Friday, August 26, 2016

DO YOU REALLY NEED THAT?

Courtesy of quotesgram.com



When budgeting, it is wise to determine your needs versus your wants. This is very important because you may think that something you really want you may need but not so fast! Feeding the ego is not so good because you crave the thing but your budget won't allow it. 

Lets say you want to go to a concert but you have rent, utilities and other expenses due. You insist on going to the concert and must do something fast! Robbing Peter to pay Paul comes to mind. Wait a minute though...this concert is not in your budget! The ego rears its ugly head saying to you that you can put off a bill and go; it's a once in a lifetime opportunity.

Really? No, not really because that bill you are putting off will double along with late fees and late fees are not a friend of mine. There is always other passive streams of income (look in my past posts for that) and you can not only have extra money but, pay off some of those expenses. Please pay those bills and listen to the singer on the radio. 

Take a deep breath, sit down and analyze what is truly a need and a want without any instant gratification (ego) involved. 
Those things dealing with household (rent, food etc) and personal (student loans, car notes,etc.) stay in the forefront period! These are needs. Anything dealing with hot sales, hot concerts, clubbing (you get my drift), put to the side. They are wants. Those things are put in the background. 

Keep up your budget and please stick with it. There are those who have wants all the time and have a garage full of them to show for it (garage sale alert). 

I am not saying to never want anything but we must keep things in perspective. The wants get out of hand when you disregard your needs. 

Save Money~Make Money~


Dot


TGIFF~THANK GOODNESS IT'S FREEBIE FRIDAY!

Courtesy of textimages.us


1.) Free Live Metallica Albums (Registration Required)-First register for a LiveMetallica.com account, then you can easily download entire shows in MP3 format. If you are a Metallica fan and enjoy listenting to live music this is a great chance to enhance your digital library.


2.)Free Food @ Mimi’s Cafe-Sign up for the Mimi's Cafe e-club and you'll get a coupon good for a free slice of crepe cake, or 2 free muffins or croissants. Also, they will occasionally send you more deals and freebies via e-mail.


3.)Free Sample of Cat-Sip-Cat-Sip is a milk based treats for cats available at Petco & Pet's Mart. You can request a free sample of it here using the code "lovecat-sip" to reach the form.


4.) Free ACLU Pocket Constitution-The ACLU is offering this free pocket constitution here via this simple request form. Also consider making a donation to help support the defense of civil liberties on the next page after you request the pocket constitution.


5.) Free Skating Passes for Kids (12 and under)-First, select the location nearest you at the link below. Then use the green button to reach the registration form and proceed to get kids' your free passes for skating center you selected.


6.) Free Bowling for Kids this Summer-Just select your state via the drop down menu, then pick the bowling center nearest you. Lastly, fill out the short form to sign your kids up for 2 free games of bowling every day this summer (up to a $500 value)


7.) Free Samples of Fancy Feast Medleys-To request a free sample of Fancy Feast medley's cat food just visit the link below and click the "Try it For Free" button on the left side of the screen. Then just fill out the simple request form.


8.) Free Carmex Lip Care Product @ Kroger (Today Only)-Kroger customers can load a digital coupon to their shoppers card good for a free Carmex lip care product. This offer is good at Kroger stores and any of their sub-stores you'll find listed at the link below. If you don't already have a shoppers card with one of these store's you'll have to get one in-person before you can get this freebie.


FOLLOW ME FOR UPDATES


TWITTER (wealthysoul)


INSTAGRAM (opulent57)


PINTEREST


GOOGLE +


THANK YOU AND HAVE A GREAT DAY!






Thursday, August 25, 2016

SAVING: JUST START!

Courtesy of alternativefundingpartners.com


Saving: that word stirs up either positive or negative emotions depending on what the persons' mindset is. There are those who love to save because they feel that this can help them in their goals. However, lots of people want to save, yet have every excuse in the book not to. Some of those excuses can range from not enough money, living not long enough to make saving justified or just want to be able to get what they want now.

Lets face it, we must save money because most of us will be living for a long time. Social Security will only give you but so much and your job will only pay you but so much and give a decent pension. It is up to you to fill in the gaps. Saving is not hard unless you scream and holler about it being hard. The best solution to saving is to start...lets go!

First get a jar with a lid, whether it be a mayonnaise, or otherwise, just get one! Second, whatever coins you have in your pocket, put them in the jar, put the lid on it and put it on top of the closet shelf. If you find coins on the street (I do regularly), on the floor or between the couches, (yes that place too), put those coins in the jar. Once the jar is full, take it to your bank and open a savings account making those coins as a deposit. You may have to roll the coins but that is fine as long as you make the deposit.

Wash~Rinse~Repeat each and every month, without fail. No comments, complaining or whining, just do it! Happy Saving!

Save Money~Make Money

Dot

THRIFTY THURSDAY FREEBIES~YOU'RE WELCOME!

Courtesy of quotesgram.com


1.) 93 Free Kindle ebook Downloads- These kindle ebooks can be read on the kindle, but also on your computer with the kindle program, or the kindle app on many different mobile devices. There have also been a lot of other free kindle ebooks posted here, so be sure to check those out. Also, kindle book prices change very frequently, so make sure it’s $0 before you checkout.
Today’s top rated books:

2.)Free HxNEY BRxWN Cosmetics Sample -email your address to:Hxbxcosmetics@gmail.com to get a Free HxNEY BRxWN Cosmetics Sample.


3.) Free 2017 Chabad Jewish Centre of Barrie Calendar--fill out the form to get a Free 2017 Chabad Jewish Centre of Barrie Calendar. 


4.) Free Pizza @ Pizza Hut w/ Specially Marked Pepsi-From now until August 31st you can score a free personal pan pizza at Pizza Hut when you bring in a specially marked Pepsi product with a pizza emoji on the sleeve. Not all Pepsi bottles have this emoji on it, most of them will have different emojies. So, keep an eye out for the ones showing either a full pizza or a slice of pizza.


5.) $1 Hot Dogs @ Sonic (Today Only)-Today only, Sonic Drive In is selling their hot dogs for just $1 each all day long.


6.) Starbucks Treat-Receipt Deal-From now until August 30th Starbucks is doing a special deal. If you visit Starbucks in the morning save your receipt. Then bring that receipt back after 2PM on the same day and you'll get a grande beverage for just $2.50.


7.) Up to 25% off @ Lord & Taylor-This printable coupon is good for 25% off your purchase of clearance items, and 15% off regular and sale priced items at Lord & Taylor clothing stores.


8.) Free Samples of Mack’s Earplugs (Starting at 11am EST)-From now until Friday everyday at 11 am eastern time this page will make some free samples of Mack's Ear plugs available. These will go very quickly so if you are interested make sure you check back at exactly 11 am Eastern Time without being late.


9.) Buy 2 Get 2 @ Candle-This Yankee Candle is good until August 28th for 2 free large jar candles when you buy 2 large jar candles.


FOLLOW ME FOR UPDATES:


TWITTER (@wealthysoul)

 

PINTEREST


GOOGLE +


LINKED IN


THANK YOU AND HAVE A GREAT DAY!

Wednesday, August 24, 2016

IN SICKNESS AND IN WEALTH

Courtesy of library.fora.tv

In Sickness and in Wealth

In Sickness and in Wealth

By: Tom Justice

For Starters
When asked to name an effective way of obtaining wealth, a common answer is: "Invest". What is the problem with this answer? Well, the majority of respondents have very little or no money in their savings account. I see the beginning of wealth building in a different light. A saying that almost everyone knows but nearly no one applies is: "A penny saved is a penny earned". In today's culture it is definitely much easier to spend money than it is to save it. The average American is exposed to 247 advertisements in one day! Less than 5% of Americans have at least $3000 in savings and no debt. It is no wonder that most consumers struggle with saving money or grasping the concept of building wealth. We are mentally flogged with television and radio commercials, newspaper and magazine ads, billboards, signs, posters and even conversations. Whatever the method, it all serves one main purpose - to take your money and make it theirs.

Unveiling the Mystery
So with all those statistics and all that advertising, how in the world is it possible to build wealth? Well consider yourself ahead of the game already. By reading this article you are opening your mind to ideas and concepts which could help you to begin the process which is more than can be said for most people out there. A house starts with a single brick and the same is true with wealth building. You have to start with what you can and keep adding to it.

Why not jump in to stocks, mutual funds or other investments right off the bat? Life will continue to happen whether you plan for it or not. So plan for it. You must start with a lump sum of money in your savings account which has been referred to as an "emergency savings". A good figure for this is $1000. You MUST pay your savings first, before anything else. If you do not, your savings will not grow (or it may not happen at all). This extra money will act as a soft landing for any financial falls that can and will occur while you pay down other debts that are road blocking your way to building wealth. You must realize though; this money is first priority but can not be touched - ONLY for emergencies. By following these 2 steps:
1) Stocking up your savings with $1,000 and then
2) Eliminating extra debts (with great fervor), you will prepare yourself for a much easier road to building wealth.

Making it Happen
You have to take action now or this whole savings thing will not happen. First, get a savings account. If you have one, find out what the interest rate is. Many have something like 0.25% to 1% (WHOOPEE!). Remember that you are not trying to make all your money in interest right now but since the money is going to sit you may as well look around. It is possible to land up to a 3-5% interest rate. Another option is a money market account to get a good rate although restrictions sometimes apply for things like early withdrawal fees and keeping a minimum amount in the account at all times. Secondly, as I stated earlier, take your savings off the top on payday. You have to make a painful change as well though. You may have to sacrifice some things to get that initial $1,000. This could mean no eating out or temporarily cutting out an expensive hobby. You also might want to try changing your phone company or downgrading your cable package. I hate this next idea but it is for a good cause: Drop your credit card payments below the minimum (JUST FOR NOW). Anyway, you get the idea. Cut some here - cut some there. Now, take all the figures you cut and add them together. This is what you will put in to your savings account until you reach $1,000. See, when the average person feels like they are getting ahead or even staying even, a setback occurs and sends everything spiraling downward. This is the hard part of building wealth and it is just the beginning (the first brick). However, without this extra money in savings you will tread water until you eventually drown, so stop thinking about it and start acting on it today.

Author Bio
Tom Justice is the webmaster for Clean Credit Online and does all the designing, marketing, SEO and maintenance for the site. He has a passion for personal finance and how the economy and consumers are affected by money. To see how you can use Clean Credit Online to help you with your personal finances please visit www.cleancreditonline.com

WONDERFUL WEDNESDAY FREEBIES~YOU'RE WELCOME!

Courtesy of quotesgram.com


1.) Free $5 Target Giftcard w/ Flu Shot @ CVS Stop by a CVS Pharmacy or Minute Clinic for a flu shot (no appointment needed) and you'll also get a free $5 Target Gift-card. The flu shot is not free unless it's covered by your insurance, but this is a good chance to get something back for something you will be buying anyways. This is good until March 31st, 2017.


2.) Olive Garden $6 Lunch Coupon-This coupon can be printed, or saved to your mobile device and will get you a soup, salad, & bread-sticks lunch combo for just $5.99 at Olive Garden. This coupon must be used on or before Friday, August 26th.


3.) $1 Hot Dog Combo @ Sam’s Club-From now until August 26th at the Sam's Club food court you can get a Nathan's Famous Hot Dog Combo for just $1.00. This combo comes with a hotdog and a large drink.


4.) Free Digital Copy of Monsters Inc.-First, click the "Get Connected" button in the scrolling pane showing Monsters Inc. and set up a new account. Next, link your new account to an existing iTunes, Amazon Video, VUDU, Google Play, Microsoft, or Fios by Verizon account, which will add a free copy of Monsters Inc to the video service you just linked up.


5.) McDonald’s Happy Meal Toy Safety Recall-  If you purchased a Happy Meal that came with a Step-it Activity Wristband you should know that McDonald's is doing a safety recall for that product. Take the product back to McDonald's and you'll get a free replacement toy and your choice of Yogurt or Apple slices.


6.) Free Kids Science Coloring Book-Jefferson Labs has this free PDF coloring book for kids to educate them on how they detect and understand quarks, the smallest particle currently known.


7.) $10 Off Vera Wang Perfume @ Kohl’s-This Kohl's coupon can be printed or saved to your smart phone and will get you $10 off a purchase of $45 or more of Vera Wang Princess Revolution fragrance line.


8.) Free Healthy Recipe eBook-Check out this free Healthy Recipes ebook from The National Institute of Health with 160 pages of recipes for health conscious people.


9.) 15% off one item @ Staples-At the top this page you'll find a Staples coupon good for 15% off one item. There are some exclusions so make sure you read the fine print to know what items you can't use this coupon for.


10.) $5 Off @ Dollar General-The top coupon on this page is good for $5 off any purchase of $25 or more at Dollar General Stores.


FOLLOW ME FOR UPDATES:


TWITTER (@wealthysoul)


PINTEREST


GOOGLE +


LINKED IN


THANK YOU AND HAVE A GREAT DAY!

Tuesday, August 23, 2016

THRIFTY TUESDAY FREEBIES~ENJOY!


Courtesy of pinterest.com


1.) 113 Free Kindle ebook Downloads-These kindle ebooks can be read on the kindle, but also on your computer with the kindle program, or the kindle app on many different mobile devices. There have also been a lot of other free kindle ebooks posted here, so be sure to check those out. Also, kindle book prices change very frequently, so make sure it’s $0 before you checkout.
Today’s top rated books:

2.) Free eb5 Skin Care Samples--fill out the form to be added to a wait list for Free eb5 Skin Care Samples.


3.) Free stuff for hosting Fantasy Football Draft at Hooters and Buffalo Wild Wings--sign up to host your draft at Hooters to get a free draft kit and season-long savings. It includes up to $250 in Hooters Freebies, Official Bleacher Report Draft Kit with Koozies, a pen, and coasters, and up to 12 Free Football Pint Glasses.
http://www.buffalowildwings.com/en/fantasy-football/ -call ahead to book your
draft at Buffalo Wild Wings to get a free Pepsi Fantasy Draft Kit. It includes a Draft Board and Player Stickers, Brag Flag, Last Place License Plate Frame, Pocket Schedule, Turf Drink Sleeve, and Coupons.


4.) Free Evil Energy Drink Mix for referring friends- – enter your email and get 5 friends to do the same to get one free case of Evil Energy. 10 friends and receive six free cases of Evil Energy. Refer 50 friends and receive twelve free cases of Evil Energy. Refer 100 friend and receive twenty-four free cases of Evil Energy.


5.) $10 Off Vera Wang Perfume @ Kohl’s-This Kohl's coupon can be printed or saved to your smart phone and will get you $10 off a purchase of $45 or more of Vera Wang Princess Revolution fragrance line.


6.) Free Sample TIGI Bed Head Hair Color-On this page you can request a free sample of TIGI Bed Head Color Tip hair coloring. Just click the "Free Sample" button and then proceed to fill out the brief survey to complete your request.


7.) $1 Short-stack @ IHOP (Today Only)-Today only from 7am to 7pm IHOP restaurantswill be selling their short-stacks of buttermilk pancakes for just $1 each as part of a fundraising effort for childhood hunger charities.


8.) BOGOF Wings @ Sonic-From Monday to Thursday from 5PM to closing time Sonic Drive-In is doing a buy one get one free deal with their boneless chicken wings with no coupon necessary.


9.) Free Stuff for T-Mobile Customers-If you have an active T-Mobile line you're eligible to participate in their T-Mobile Tuesdays program. Just download their app for iOS or Android and every Tuesday you'll get coupons for free gifts. This week there is a free movie rental, a free Wendys frosty, and more.


10.) $7.49 Adult Buffet @ Souper Salad (Available Again)-This Souper Salad coupon will get an adult into their all you can eat buffet for just $7.49.


FOLLOW ME FOR UPDATES:


TWITTER (@wealthysoul)


PINTEREST


GOOGLE +


LINKED IN


THANK YOU AND HAVE A GREAT DAY!

TUESDAY DEALS OF THE DAY~YOU'RE WELCOME!




Luxury Pearl Strap White Flower 

Bracelet Watch 

$16.99 free shipping

You save 66% off the regular price of $50.00

ITEM#:  427893


AVAILABLE IN:

WHITE

LIGHT COFFEE


*********************************


Bridal African Vintage Crystal Flower 

Butterfly Pendant Necklace Earrings Set

$19.95 free shipping
You save 58% off the regular price of $47.50

ITEM#:  406968


AVAILABLE IN:

RED

GREEN

PINK

ORANGE

PURPLE

BLUE


**************************




Bohemia Style Pendant 

Turquoise Stone Necklace 

$5.99 free shipping

You save 70% off the regular price of $20.00


ITEM#: 526301



VISIT:


These hot deals go F-A-S-T! 


Order yours today!

Thank you so much for your business in advance!


Have A Great Day!