FREE Iced Tea at La Madeleine Today

Celebrate the first day of summer by stopping by La Madeleine and getting some FREE Mango Iced Tea!

Enjoy!

Free Personalized Father's Day Card

Here's a great way to make a super cute Father's Day card for your dad (or your husband - from your kids) and it's FREE!

Go to the Tiny Prints website by clicking here and, once you create the card, use the coupon code 4FDAY.  Ship it to yourself for FREE or pay the cost of the stamp to mail it to someone else.

Enjoy!

FREE Donuts!

Today is the first day of this summer that I have all three kids home all . . . day . . . long.

It's going to be a LONG day.

So, I was THRILLED to realize it was actually National Donut Day.

You know what that means?

Krispy Kreme gives out FREE donuts!

So does Dunkin' Donuts (which I actually prefer) but you have to purchase a drink from them to get your donut (and there isn't one near me).

I can promise you the kids and I will be heading over to Krispy Kreme this morning.  Will I see you there??

Credit Scores

My husband and I, a few months back, taught a financial class.  One of the things we realized in the midst of the course is that people do not understand the concept of their credit score.

As financial expert Dave Ramsey puts it, "your credit score is not an indicator of winning financially. All it tells you is whether you are good at borrowing money and paying it back."

In case you are not aware, this is how your FICO score is determined:

35% of your score is based on your debt history.

30% is based on your debt level.

15% is based on the length of time you’ve been in debt.

10% is based on new debt.

10% is based on type of debt.

You know what this means?  The only way to have a great credit score is to get into debt, stay in debt, yet pay it off perfectly. 

If you pay off all your debts, and don't take on any more, your FICO score will become indeterminable.  You won't even have one! 

Another thing to keep in mind.  You should never pay a company to get your credit report.  You are entitled to one free credit score a year.  Don't pay for what you can get for free!

Gold Coin Website

My husband has always had an interest in collecting gold coins - or gold bullion, as those in the 'know' call them. He doesn't have a huge collection, but he's very pleased with the ones he does have.  Unfortunately, he's not very good at putting those coins in a safe spot and, on more than one occasion, I've found out kids playing 'grocery store' and using his coins as the currency!

For those out there who are really interested in buying gold bullion, check out the website Gold Coins Gain.  On there, not only can you buy bullion, but you can also invest in gold IRAs.  (Did you even know there was a such a thing?)   

And, if you're unfamiliar with ther term, bullion, it just refers to a refined and stamped weight of precious metal.  This can be a coin or one of those larger blocks like you see in the movies!

*** This blog post brought to you by your friend at www.goldcoinsagain.com