HUGE list of Halloween Freebies

Oct 29, 2010

The blog, Free Sample Freak, posted a HUGE list of FREEBIES for the next few days . . .

Check it out right here . . . .

The freebies will keep you busy ALL weekend!

GAP Outlet BOGO Coupon

If you have a GAP Outlet near you, here' s a great coupon!

Buy One item, Get one FREE!!

One day only - October 30!

FREE Entree at IHOP

If you're on Facebook, sign up on the IHOP page  - join their Pancake Revolutin and, once you do, they'll send you coupons for a FREE meal once you sign up, a FREE meal on your birthday and another one on your one-year anniversary of signing up!

Enjoy!

IHOP Free Scary Pancakes

IHOP is giving away a FREE scary pancake to all kids, 12 and under today.

Enjoy!

A&W Free Meal with Drink Purchase Coupon

If you are on Facebook, "like" A&W - then click on the "Welcome Tab" to print a coupon (which expires on Monday, November 1).

The coupon says that if you buy a 32 oz drink, you'll get a $3 Big Meal (sandwhich and fries) FREE!

Great deal and inexpensive way to take the family out to dinner!

Taylor Swift's New Album - Only $3.99

Oct 28, 2010


Today is my daughter, Jordan's, 8th birthday and she LOVES Taylor Swift.

So, it was "fate," I believe, that Amazon would be offering the MP3 download of Taylor Swift's entire new album for only $3.99!  Click here to get it.

What a GREAT (and inexpensive) birthday present!

I bet you can think of someone in your life who would enjoy this, too - maybe for Christmas?

Daily Money Email for Women

I just found a website that I'm finding very interesting.

It's called Daily Worth and once you sign up with them, they will send you a daily email regarding money management for women.

You can see some of the sample emails when you to to their site.

Click here to sign up . . .we can ALL use some money management tips, right?

Pure Start Energy Website

I don't know about you, but I am EXHAUSTED - ALL the TIME!!

I have a busy life, as I'm sure most of you do - especially those moms out there.  I am constantly juggling kids, family, the house, my jobs  . . . and I have a hard time finding the energy to do it all.

I was recently made away of an energy supplement called "Pure Start Energy."  It is designed to help women who are constantly on the go . . . does that sound like anyone you know?

It is supposed to help with memory support and mental focus - both areas I need some assistance in!  The supplement is to be taken daily and contains no caffeine or stimulants.

I don't know about you, but I'm willing to give it a try!

Two Can Dine for $12.99 at Abuelos

Oct 25, 2010


Abuelo's is running a special right now (no coupon necessary) where two people can eat for $12.99.  Each person gets an entree (from their 'special' menu and sopapillas for dessert (with the purchase of 2 drinks). 

GREAT deal!
Available Sunday through Thursday, but only for a limited time!

Free Movie at Blockbuster Express

Blockbuster Express is really going all out to give us FREE movies on Mondays!

Today's code is:  BBXMDY

Remember, you can get one FREE movie per credit card!

I have seen so many FREE movies lately, I'm running out of movies to see!

Enjoy!

FREE $30 Benihana Gift Certificate for your Birthday

Oct 20, 2010


Sign up for Benihana's birthday club and get a FREE $30 gift certificate for your birthday!!

This is really about equal to a free meal - but it sounds go much NICER when you say $30 gift certificate, doesn't it?

Click here to sign up!

FREE Taco Bell Orange 'n Creme Frutista

Oct 19, 2010


Taco Bell is giving away FREE Orange 'n Creme Frutistas!

Click here for your coupon!

FREE Night at a Bed and Breakfast for Veteran's Day

Oct 15, 2010

If you or your spouse (or someone you know) is a Veteran - check out this deal!!  (It says for Active Duty or Retired Military personnel, but I would try for the deal even if you served without "retiring" officially.)

I'd love to be able to take advantage of this, but it's a school night . . . so, no can do.

Here's the deal - make sure to pass it on!

BED AND BREAKFASTS ACROSS THE UNITED STATES TO HONOR U.S. MILITARY B&Bs

and Inns are providing free rooms on Wednesday, November 10, in observance of Veterans Day, November 11, to honor servicemen and women currently serving or who have previously served their country. The program was started in 2009 by the West Virginia B&B Association (formerly called MABB) and this year has expanded to include 48 states, 4 international locations and more than 700 Inns.

Reservations need to be made directly with the participating Inns and B&Bs. "We just wanted to say thank you to the courageous men and women from our armed forces", says Kathleen Panek, owner of the Gillum House in Shinnston, WV. "These are some trying times for anyone serving or who has served and a good night's rest is our way to say, thank you." A valid Military or VA ID will be required for each reservation. For more information contact Kathleen at 304-592-0177 or via email at gillum@GillumHouse.com

Each B&B is making at least one room available on the night of Wednesday, November 10 (only) to active and retired military personnel.

Availability is limited, so Inns may not have a specific room listed for the promotion and once the available rooms are booked, the B&B may not be able to provide another free room.

More information and a list of participating B&Bs can be found at:

http://www.bnbsforvets.org/

Rent Two, Get One DVD Free

Blockbuster Express is offering Rent Two DVDs, get one FREE from now until midnight on Sunday, October 17.

The code is DRGN3

I just reserved three movies for me (a chick flick) and my kids. 

I love reserving them online and knowing they will be there when I go pick them up!

FREE Gum

Oct 14, 2010

If you're on Facebook, go to the "Extra Gum" page and "like" it.

Then, click on the "Check free samples" link to request your FREE gum for National Dessert Day!

Thanks to my friend, Lynda, for making me aware of this one!

FREE Movie from Blockbuster Express

Oct 11, 2010

Get a FREE movie (today only) from Blockbuster Express.

Use the code:  MBBX2

Enjoy!

Glass Tile Store Website

If you are thinking of redoing your bathroom or kitchen, and are looking for some tiles, I have a great website for you!

Its called The Glass Tile store and you can order thousands of different tiles online!

They are the only tile site out there which offers FREE shipping on all orders. 

If you are looking for bathroom tiles, they have a wide variety, from hand-made tiles to marble to shell collections.

If you are redoing your kitchen backsplash or your shower, you may want to consider using subway tiles.  These are ageless rectangular tiles that are named after the tiles that were originally in the NYC subway.

*** This blog post brought to you by your friends at http://www.glasstilestore.com/

Teaching Your Kids about Money

Oct 5, 2010

For about a year now, I have struggled with the concept of giving our nearly-eight-year-old daughter, Jordan, an allowance. For awhile, she received a $1 a week – regardless of what chores she completed. Some weeks, I had her do a lot. Some weeks, I forgot to have her do any. Most weeks, I forgot to pay her. Ultimately, somewhere down the road, she came up to me and said that I owed her something like $16. Really? Maybe. I wasn’t sure. I hadn’t kept track. Clearly, my system was not working.

And, that stressed me out immeasurably because Rob and I are, as a couple, very concerned about not only saving money, but also teaching our children the value of money and hard work . . . how to earn it . . . save it . . . spend it wisely . . . and give it away.

I realized, though, that what I was doing wasn’t teaching her anything. I wasn’t demonstrating to my daughter that her “labor” directly affected how much she “earned” – and, since more than half the time, she wasn’t even getting paid, I certainly wasn’t teaching her how to manage the money she did make.

As I mentioned in a post last week, my husband and I are leading Dave Ramsey “Financial Peace University.” A lot of what Dave teaches is “old news” to me and Rob. We have been doing many of his strategies for years and that is why we felt secure in being able facilitate the class.

But, when we got to the lesson on teaching your children about money, my ears perked up. This lesson was one I, personally, needed to hear. Fortunately, Rob felt the same way about it and we quickly got on the same page – with each other and Dave.

So, I would like to share with you what Dave suggests and what we have done . . . and how it is working so far.

Dave Ramsey’s philosophy on children and money is that they should not earn an “allowance.” He feels “allowance” is too much like “welfare” – as was the case in our home, our daughter was getting her dollar, whether she had chores to do or not that week. Instead, Dave suggests your children earn “commissions”- specific amounts of money for particular tasks they complete.

Now, because our children are members of our family, there are certain chores they must do just because they live here –with no monetary compensation attached to them. For example, Jordan must fold and sort the laundry and carry everyone’s pile to their rooms. She also needs to water the plants and empty the dishwasher. Our four year old son has chores, too. He empties the silverware drawer from the dishwasher, cleans up the backyard toys and carries down the laundry from all the hampers to the laundry room. Our two year old (it’s never too early to start them!) helps me put the clothes in the washing machine, then into the dryer and eventually carries them to our couch, where Jordan will fold them.

There are other chores, however, from which they can earn “commission.” About two months ago, we bought a dry erase board and Rob hung it on the back door to our house. On the board is each child’s name and under it, the chores for that week. Next to each chore is the amount of money they can earn for completing that task. For our daughter, most of her chores earn a “commission” of 50 cents to a dollar. Our four-year-old earns about 25 cents a task. Our poor two-year-old isn’t earning any money yet!

What tasks do we put up there? Well, our daughter has recently cleaned out all of our kitchen cabinets and drawers – taking all the items out (as I sorted through everything to see if anything should be sold or thrown out) and then she used soap and water to scrub the inside of each cabinet and drawer and then neatly rearranged everything back in place. For that, she earned 25 cents a drawer and a dollar a cabinet. Last weekend, I had her do the same thing with my bathroom cabinets. Boy, were they a mess! I don’t think I’ve done that job in five years! Our four year old pulls weeds in the backyard with Daddy and helps carry buckets of dirt and mulch around.

On Sunday night, my husband sits down with the kids and the dry erase board to review what tasks they have completed - he calls that the family "business meeting." Those completed jobs determine how much money they earn each week. With our daughter, she usually has a chance to earn $5 a week. Some weeks she earns it, some weeks she doesn’t.

For arguments sake, though, let’s say she earns all $5. What’s next? We can’t just hand her five bucks and say, “Here you go!” If we did that, she’d blow it all on soda and candy!

So, instead, Rob went out and bought one of those small coupon accordion files. Inside, he labeled three of the files: Saving, spending, and tithe.

If she earns five dollars in a week, she is to put one dollar in her tithe folder. When we go to church, she puts it in the basket to give it to God (actually, in our church, she has a choice of which basket to put it in – either for the church, for the widows and orphans, for the sick, weak and poor or for missions – so she’s learning about giving to others by choice, too). Two of her dollars go into the spending folder and the other two go into the savings file.

Let’s talk about the savings folder. What is she supposed to be saving for? Well, even though she’s not quite eight, she is saving for a car! As Dave Ramsey suggested, we have told her that when she is of “age” to get her own car –we will not be buying one for her. However, if she saves her money from now until then, we will match what she saves and put that towards her first car. So, if she saves $1000, we’ll put in another thousand towards that car. If she saves $5000, we’ll match that amount.

Note: Dave suggests that you put an “up to” limit on this offer. If you don’t, your child could turn out to be the best saver in history and you may need to fork over $20,000 at the end!!

A woman in our class also gave us a great idea. She told us that she has implemented this same plan with her children regarding the car savings account. But, she was worried that once they were of driving age, she wouldn’t have the money to “match” their amount. Thus, as they save their money and put it in the bank, she puts the same amount in at that same time. So, if they deposit $30 into their account, she also puts $30 in their account right then. This way, she won’t need to come up with a huge amount of money that she doesn’t have –and break her promise to her children – when they are ready to buy their first car.

Along those same lines, she also mentioned that if her children ever want to pull money out of that account to, let’s say, buy a video game, she says, “Okay, you can do that, but if you pull out $15, then I’m pulling out my matching $15, too!” She says this usually stops them from pulling out their money because, though they might be willing to spend $15 or $30 at a time, they aren’t willing to lose double that amount from their bank account!

The whole point of this is that we don’t believe in having a car payment. Rob and I have never had one and we want to instill in our kids that it’s important to pay cash for their cars. What they save, starting now, will determine how nice (or clunky) a car they get when they are older.

That leaves us with the spending file. We have given Jordan some leeway here. She can spend that money on snacks or toys or whatever she likes. But, we have also encouraged her to “save” some of the “spending” money so she can buy bigger items in time – nicer toys or clothes, etc. She says she’s saving it to buy a cell phone. (We haven’t yet had the discussion of how a cell phone may cost $150, but you still have the monthly plan to worry about!) Still, she has a goal and she’s working towards it.

We don’t have quite as “sophisticated” a system for our four year old. He has a large, plastic bucket (one we cleaned out after the Costco cashews were all eaten.) His money just gets put in there. If he gets dollar bills, we crumble them up so they look like a lot of money floating in the bucket. Occasionally, Rob will take him to the store and let him buy a drink or candy with some of his money. He, too, takes some of it to church on Sundays to put in the basket. When he gets a little older, we’ll implement a system like we have for Jordan. For now, though, he knows he’s earning money and he can buy “stuff” with that money.

Will all we are doing work to make our children responsible financial adults in the future? We sure hope so! In the meantime, last week I had Jordan’s parent-teacher conference and her teachers told me she does very well on the “money” math units. I said, “Gosh! I would hope so with all the time we spend talking about it at home!”

I am also encouraged by the fact that, on one of the Dave Ramsey DVDs, his teenage daughter spoke about her financial upbringing. She said that, after spending years and years of earning commissions at home – and then, eventually, getting an after-school job – she had saved $8,000 for her car. Her parents matched that and so, at the age of 16, she was able to purchase a $16,000 car in cash – with money she earned! Even at her young age, she knew that was a fabulous feeling!

That’s the kind of feeling I want my kids to have when they grow up.

How about you?

Las Vegas Pest Control Website

If you live in the Las Vegas area and are dealing with some nasty, pesky pests, why don't you consider contacting Elite Pest Control?

This Las Vegas exterminator only uses child-safe and pet-safe products.  They also have a commercial pest control department. 

This pest control company in Las Vegas knows what pests are indiginous to Nevada and how to treat them.  They know all the bug facts and how to make those irritating creatures vanish!

Check them out.

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Free Movie at Blockbuster Express TODAY

Oct 4, 2010

Get a FREE movie at Blockbuster Express TODAY only!

Use the code MDVD1.

Enjoy!

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