Don't forget to use up all your soon to expire coupons. Now is a great time to find sales as the stores do their own end of year clean out. There are also lots of rebate offers expiring at the end of the month. I'm off this morning to get it all done!
Update:
Went to the store today, still sick, but I just can't let my coupons expire! Saved about $50 in coupons and did another $51 in rebates plus a free calendar. Nice!
Wednesday, December 30, 2009
Sunday, December 27, 2009
Fresno Bee today
The Fresno Bee had a great article today about a guy who found his way out of debt through the bible. Imagine that!
Target holiday markdowns
Target holiday markdowns (except Christmas) follow a 3-3-2 schedule. It goes to 50% off the day after the holiday, then three days later 75%. Again, three days after that what's left is 90% off. Two days after that it goes to salvage (Goodwill). However, Christmas is a little different.
Christmas markdowns are based on manager discretion and inventory. Based on prior experience, 50% off from 12/26-12/31 is typical. January 1st markdowns usually go to 75% off, and then a few days after that 90% off.
Christmas markdowns are based on manager discretion and inventory. Based on prior experience, 50% off from 12/26-12/31 is typical. January 1st markdowns usually go to 75% off, and then a few days after that 90% off.
Wednesday, December 9, 2009
Harvard University
Harvard University Announcement
Harvard University has announced that from now on undergraduate students from low-income families will pay no tuition. In making the announcement, Harvard's president Lawrence H. Summers said, "When only ten percent of the students in elite higher education come from families in the lower half of the income distribution, we are not doing enough. We are not doing enough in bringing elite higher education to the lower half of the income distribution."
If you know of a family earning less than $60,000 a year with an honor student graduating from high school soon, Harvard University wants to pay the tuition. The prestigious university recently announced that from now on undergraduate students from low-income families can go to Harvard for free... no tuition and no student loans!
To find out more about Harvard offering free tuition for families making less than $60,000 a year, visit Harvard's financial aid website at:http://www.fao.fas.harvard.edu/
(617) 495-1581 .
Harvard University has announced that from now on undergraduate students from low-income families will pay no tuition. In making the announcement, Harvard's president Lawrence H. Summers said, "When only ten percent of the students in elite higher education come from families in the lower half of the income distribution, we are not doing enough. We are not doing enough in bringing elite higher education to the lower half of the income distribution."
If you know of a family earning less than $60,000 a year with an honor student graduating from high school soon, Harvard University wants to pay the tuition. The prestigious university recently announced that from now on undergraduate students from low-income families can go to Harvard for free... no tuition and no student loans!
To find out more about Harvard offering free tuition for families making less than $60,000 a year, visit Harvard's financial aid website at:http://www.fao.fas.harvard.edu/
(617) 495-1581 .
Tuesday, December 8, 2009
restaurant gift certificates
To celebrate the gift of giving, Restaurant.com is stocking a giving site with $30 million of Restaurant.com Gift Certificates. You now have the opportunity, every day for 30 days, to enrich the lives and satisfy the palates of those around you.
It is absolutely FREE to give and FREE to receive.
Please pause for just a moment to think about the joy you feel when you give a gift. Think about the expression on the face of a friend when you deliver a holiday surprise. Please reflect upon the warmth that fills your heart, as a loved one tears the wrapping paper off a present.
These feelings are ones that cannot be wrapped up in a box like other gifts, but they are gifts nonetheless. The feelings created by the gift of giving lift spirits, spread joy, and strengthen community.
So please join us. Give to friends. Give to neighbors. Give to families in the military. Give to teachers. Give to co-workers. Give to working moms. Give to those that would not otherwise make your holiday list, but most of all, give, and in doing so, enjoy with great pleasure, the very special gift of giving.
The team at Restaurant.com is honored to bring you our giving site so that you can
"Feed It Forward". feeditforward.restaurant.com
It is absolutely FREE to give and FREE to receive.
Please pause for just a moment to think about the joy you feel when you give a gift. Think about the expression on the face of a friend when you deliver a holiday surprise. Please reflect upon the warmth that fills your heart, as a loved one tears the wrapping paper off a present.
These feelings are ones that cannot be wrapped up in a box like other gifts, but they are gifts nonetheless. The feelings created by the gift of giving lift spirits, spread joy, and strengthen community.
So please join us. Give to friends. Give to neighbors. Give to families in the military. Give to teachers. Give to co-workers. Give to working moms. Give to those that would not otherwise make your holiday list, but most of all, give, and in doing so, enjoy with great pleasure, the very special gift of giving.
The team at Restaurant.com is honored to bring you our giving site so that you can
"Feed It Forward". feeditforward.restaurant.com
Some good deals
I haven't posted in a while. Black Friday was super fun. Hope everyone got some good deals and stayed within budget. My husband got his new longed for flat screen TV. I have to admit it's nice. I have a couple of things that look really good this week.
Get the $50 Fisher Price Trio Castle for only $14.99 after price matching KMart ad, using Target coupon and manufacturer coupon!
Use the KMart ad from 12/6 Sunday newspaper.
Use the $10 Target coupon from the Target website, select 'toys' to find quickly.
Use the $5 Fisher Price coupon. (Must register, easy)
Pay only $14.99 plus tax.
Update: I did this deal today no problem. Some people have reported a $10 off coupon on the trio products. I did not find one, but I did have a $10 gift card from Black Friday making my final price only $5 anyway!!!!!!
Hooked On Phonics Free shipping until 12/14/09. Use code HOP35 to get 35% off or code HOP50 to get 50% off!
Learn Colors on the Go! $4.95 (Reg $10.95) -- code makes it $2.50!
Learn Shapes on the Go! $4.95 (Reg $10.95)-- code makes it $2.50!
Hooked on Math Learn Numbers on the Go $4.95 (Reg $10.95)-- code makes it $2.50!
(Click on "On Sale" in the left column.)
Discover Reading Toddler normally $99.95, now $29.95 - code makes it $15!
MasterReader normally $199.95, now $79.95, then use code HOP50 to get half off
Handwriting & Beginning Printing normally $39.95, now $14.95 then use code HOP50 to get half off
Learn to Count normally $39.95, now $14.95 then use code HOP50 to get half off
Addition and Subtraction normally $39.95, now $14.95 then use code HOP50 to get half off
Get the $50 Fisher Price Trio Castle for only $14.99 after price matching KMart ad, using Target coupon and manufacturer coupon!
Use the KMart ad from 12/6 Sunday newspaper.
Use the $10 Target coupon from the Target website, select 'toys' to find quickly.
Use the $5 Fisher Price coupon. (Must register, easy)
Pay only $14.99 plus tax.
Update: I did this deal today no problem. Some people have reported a $10 off coupon on the trio products. I did not find one, but I did have a $10 gift card from Black Friday making my final price only $5 anyway!!!!!!
Hooked On Phonics Free shipping until 12/14/09. Use code HOP35 to get 35% off or code HOP50 to get 50% off!
Learn Colors on the Go! $4.95 (Reg $10.95) -- code makes it $2.50!
Learn Shapes on the Go! $4.95 (Reg $10.95)-- code makes it $2.50!
Hooked on Math Learn Numbers on the Go $4.95 (Reg $10.95)-- code makes it $2.50!
(Click on "On Sale" in the left column.)
Discover Reading Toddler normally $99.95, now $29.95 - code makes it $15!
MasterReader normally $199.95, now $79.95, then use code HOP50 to get half off
Handwriting & Beginning Printing normally $39.95, now $14.95 then use code HOP50 to get half off
Learn to Count normally $39.95, now $14.95 then use code HOP50 to get half off
Addition and Subtraction normally $39.95, now $14.95 then use code HOP50 to get half off
Monday, November 23, 2009
The dollar store christmas
Christmas is coming up soon, and I'm really looking forward to it. There was a time I used to dread it. In particular the year I had to shop for my kids at the dollar store. When I first had kids I used to buy gifts according to what I could afford, which was never anything really expensive, but they always enjoyed it. We baked a lot, shared the baked goods with others, and visited friends. Then came the year I got divorced. It was hard, I was broke, and I made the mistake of shopping with credit cards to try to compete with my ex. By the following year, I was still broke with major credit card debt and no cash. Now what? I had no money to buy a tree, no money for gifts, in fact I wasn't sure where we were even going to get enough food to eat. So I went to the dollar store with $20 that I didn't have to spend and bought my five kids christmas presents. I felt horrible. I can't tell you how horrible I felt that year. My ex dropped off my kids that christmas and the kids were so excited to come home. I was so stressed they would be upset and disappointed. They opened all their gifts and were thrilled to get them. In fact my son Josh said it was the best christmas he'd ever had. I went to the bathroom at that point and just cried. While I was relieved that they were happy I felt like the worst mother in the world for buying my kids gifts at the dollar store. How did I get to this place? What happened to me? I went from looking forward and celebrating christmas with my family and enjoying the birth of Jesus to crying in the bathroom because I had no money. I used to spend every christmas baking and bringing things to my friends and was now sitting home alone. What happened to me that my handmade gifts weren't good enough? Why did I lose the spirit of christmas? I'm not sure where I went wrong, but I do know that it's easy to get caught up in the commercialism of christmas. Prior to my divorce, as finances improved over the years, I started buying more and more things. Christmas became all about the stuff, and the divorce didn't help. My ex bought stuff to compensate and compete with me, and I did the same. It was wrong, it was sad, and the worst part was it had nothing to do with Jesus. I don't know when it happened but somewhere along the way I found my joy again. I quit worrying so much about the stuff, started baking again, and just started enjoying the holiday rather than dreading it. I'm glad because christmas is a hard time of year for me. I don't tend to work as much as I usually do in the winter, so money tends to be tight. I'm happy to hand out homemade gifts, and spend time at church, and with my family. I have friends right now that are struggling to make ends meet and are very worried about how to pay for christmas. They are dreading christmas rather than looking forward to it. I know what that's like, I've been there. It's my hope, and what I'm praying for this year that my friends find the joy of the christmas season again. That they find gifts they can make, or coupons with donations of their time to do a chore, play a game, or spend some time with the receiver of their gift. That they look forward to these things, rather than dread it. Please post your favorite christmas traditons. If you have any handmade gift ideas or pictures, please post them too.
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