What to Buy During August

1. Air Conditioners The best time to buy air conditioners continues through August and runs through September.

2. Outdoor Furniture, Grills, and Camping Gear  Summer is nearly over, and the stores are clearing out their summer furniture space to make room for Halloween and Christmas.

3. Garden Plants and Flowers Garden centers begin clearing out their showrooms mid-summer, and the sales continue through August.

4. Lawn Mowers - The selection may be limited, but if you are looking for deep discounts late summer is a great time to find a bargain lawn mower.

5. Swim Wear and Flip Flops Watch for end of season sales on all summer wear in August. Stock up on items for your kids for next year, and maybe something special for you as it doesn't look like the temperatures will be cooling down any time soon.

6. School Supplies Bargains for back to school supplies are to be had everywhere. You can find pencils for a penny, paper for a quarter, and backpacks marked way down. 

7. Laptops Per PC World, July had some stellar sales on laptops with prices dropping to record lows, and these bargains will continue into August with back to school sales that not only offer discounts, but could also offer freebies such as free software or free printers.

8. White Sales: College, back to school and fall are good times to stock up. The next best time to buy for linens? January.

9. MP3 Players Stores are clearing out old models to make room for the new models arriving in September. Look for great bargains on last year's models.

10. Food When looking for bargains on food this month think fresh produce. The list includes vegetables such as cucumbers, corn and eggplant and the fruit includes such delicious items as watermelon, strawberries, cantaloupe, and peaches.

Ibotta Money-Saving App

 

  • First download the FREE app here.
  • Before you head out to shop, browse through all the different offers. You’ll earn money by watching quick videos, viewing recipes, taking polls, posting to your Facebook Wall etc. AND then actually going to the store to purchase these specific items. Note that Ibotta works in every Target, Walmart and Walgreens in the United States and has plans to expand to additional retailers in the near future.
  • Be sure to check out the product detail page on the app itself in order to view the offer’s expiration date. Offers can sell out, so it’s important to redeem them before they’re gone! 

 

  • After you make your in-store purchases, you’ll just need to upload your receipt via the Ibotta app. Ibotta will then verify your purchases and determine whether credit should be added to your account within 24 hours.  In many cases, you will receive word from Ibotta in under 1 hour. It is super simple to upload your photo and money was added to my account within an hour.  
  • Once you’ve reached at least $5 in earnings, Ibotta lets you transfer your earnings directly to your PayPal account.  Choose Withdraw Cash from the main menu of the app, then select Get My Cash to link Ibotta to your PayPal account. 
  • If you’d rather opt to donate your earnings to your favorite school, you can make a donation to any school in America as soon as you’ve earned $1 with Ibotta. Just choose Withdraw Cash from the main menu of the app, then select Donate to Schools.  Ibotta can use your current location to find nearby schools, or you can type in any zip code and pull up a list of schools in that area.
  • Be sure to tell Ibotta which offers you like and dislike by tapping the image of any product and choosing either thumbs-up or thumbs-down. Over time the app learns what kinds of products you prefer and offers them accordingly.
  • Also note that there is no limit on the number of offers you can redeem.  Once you have successfully redeemed an offer, Ibotta immediately restocks your shelf with a new offer.  The more offers you redeem, the more new offers you will see, and the more money you can earn.

 

Click below to get started!

 

What to Buy During July

1. Air Conditioners Bargains on Air Conditioners begin in July, especially around the holiday weekend. If you can wait until September even better, and the absolute best time to buy air conditioners is in the winter, especially October through February.

2. Major Appliances  I'm sure you've noticed the July 4th Sales popping up all over the television from your local appliance stores. Holiday weekends around major holidays such as July 4th are great times of year to find bargains from anywhere up to about 50% off. 

3. Home Decor July is still wedding season, so look for bargains this month on home decor  gift items such as linens.

4. Furniture New furniture styles hit the stores two times of the year and August is one of them. Look for great sales in July as furniture retailers look to clear out their showrooms.

5. Computers It's back to school sale time for computers and sales can be found. Look specifically for computers that are being replaced by newer models.

6. Summer Wear The deeper into summer we get the deeper the discounts for summer wear get as well. Especially watch for next month's discounts on swim suits.

7. Kids' Clothing & Back to School Supplies  Sales start in July for bargains on anything related to back to school. 

8. Craft Supplies School Supplies start to go on sale in July, and along with them so do craft supplies. Enjoy the discounts and stock up the many needed tools you use to get your crafting on.

9. Grills Some sales on grills are available in July (after the July 4th holiday), but for the best deals wait until August.

10. Broadway Tickets July is a slow time for New York tourism, and big bargains can be had on Broadway tickets because of this lull. Beat the heat, go inside, and enjoy a great show on the cheap.

11. Food Think barbecue this month.

  • Soda, Pope or Coke (depending upon which part of the country you're from)
  • Beer
  • Condiments
  • Hot Dogs
  • Ground Beef
  • Hamburger and Hot Dog Buns
  • Salad Dressing
  • Chips
  • Ice Cream
  • Popsicles
  • Bottled Water
  • Iced Tea Bags and Mixes

Target Settlement- Apply by July 31st

Remember that data hack at Target in 2013? You can join in the Target Breach Settlement case and may be able to RECEIVE COMPENSATION.

If you shopped at Target between 11/27/13 and 12/18/13 and can prove that you suffered losses to your credit or debit card in the hack, you may be entitled to as much as $10,000. You must SUBMIT YOUR APPLICATION FOR SETTLEMENT before 7/31 and provide proof that your information was stolen during that time.

Even if you shopped at Target between those dates and can’t prove your data or identity being stolen, you may be able to get $30.

Send in your information to be included or excluded from the settlement before 7/31.

5 Items in Your Garage with High Resale Value

Before anything hits the trash though, take a step back: there are probably a number of items you have stowed away that could earn you some impressive cash. Check out the ideas below, and feel free to share your tips of the trade in the comments. 

1. BIG TICKET ITEMS

A brand new generator might set you back between $200 and $2,000 from my latest survey of prices at a popular home improvement chain. My dad has a portable generator he bought when my parents lived way out in the country. Now that they've moved to a more central location, it gets little use and he wants to sell it. Sound familiar? Consider the value. I searched "used portable generator" on eBay and discovered around 75 hits with prices ranging from $50 to $2,400 for items in good condition.

Other big ticket sellers might include snow blowers, ride-on mowers, and even motorcycles or cars. The trick is assessing a fair value and finding the right place to sell. Kelley Blue Book is always the first place to check with vehicles. For the rest, try looking at similar listings in your local paper, Craigslist, eBay, or even on donation valuation charts (as a loose guide). When we bought our house last year, the couple who lived here planned to downsize. They sold their snow blower in two days for $350 by simply placing it outside the garage with a cardboard sign.

2. CAMPING GEAR

We have a whole shelving unit full of camping stuff in our garage. There's anything and everything from lanterns to tents to portable cooking devices to cots and much more. Other frugally minded outdoorsy folks would surely appreciate the care we've taken to keep our gear in working order, so we might try to sell a few things this year. In fact, we bought our large family tent used for a couple hundred dollars — so we know the system works.

If this arena interests you, try sites like GearTrade, where you can buy and sell camping wares or just get insight on appropriate pricing if you'd rather sell yourself. Some items in "excellent" condition attract up to 99% of their original value. There are also a couple area camping groups on Facebook I might contact about larger things to avoid shipping.

3. HAND TOOLS

Let's face it, most of us aren't super handy. But that doesn't stop the hand tools from streaming in as gifts from well-meaning friends and family. Rather than hold onto a tool waiting to be inspired, try selling it. Take this Bosch 18-Volt Hammer Drill, for example. It retails at $219, and a few days ago I found a used one on eBay for $150. This number accords with the $131 average price for used hammer drills listed on Statricks. And it would make a solid return (a little over 55%) on something you might not have touched in over a year.

Keep in mind that certain brands of tools resell better than others, including DeWalt, Bosch, Ridgid, Makita, Milwaukee, Hitachi, Porter-Cable, Skil, and Delta. In other words, that entry-level saw you got a great deal on new might not seem as appealing on the used market. Along with quality, your buyers will be inspecting these tools for wear and tear, so check for any crimped cords or other issues and price accordingly.

4. BUILDING MATERIALS

Most of us have bought and sold on Craigslist, but have you heard aboutDiggersList? Those of you into DIY and home improvement might want to take a look. You can sell your surplus building supplies (or find some to purchase) and get a good portion off the original price. Anything back is better than waste, right?

You can sell your doors, pavers, flooring, wall tile, appliances, circuit breakers, and much more. If you'd rather not list online, try taking out an ad in the classifieds or contacting a local carpentry club. Then consider donating anything you don't sell to a Habitat for Humanity ReStore.

5. OUTDOOR TOYS

Children outgrow their playhouses and other outdoor toys quickly, so they clutter garages like crazy. Not only can you earn back a good portion of what you paid (depending on the condition) — but the used toy market for items like these is refreshing with each generation of kids born into the world. Before having a yard sale, try local Facebook groups, Craigslist, and even re-sale stores like Once Upon a Child.

 

7 Things You Should Always Order on Amazon

Here are 7 items you should always be ordering on Amazon:

1. PET FOOD

Depending on the size and breed of animal you own, buying pet food  can be costly, or downright extortionate. If you own a large-breed dog, you're also faced with carrying a huge amount of food from the store every time you need to stock up. Let Amazon take care of that for you. Whether it's dry or canned food, Amazon has thousands of options. Prime shipping covers most of them, the prices are slashed on many items, and you can also choose Subscribe & Save for additional 5%–10% discounts.

2. DISHWASHER TABLETS

Running out of those dishwasher tablets  is a real pain, and when you go to the grocery store you pay top dollar for them. Amazon has a great range, and offers them with either free Prime shipping, Prime Pantry, or Subscribe & Save. 

3. DIAPERS AND WIPES

You will find great deals on name-brand diapers , especially if you use Amazon Prime or Prime Pantry. And once again, as this is the kind of item you will be using every month, look for Subscribe & Save options for additional discounts and free shipping. You can get an additional 20% off for signing up for the S&S service. For example, Pampers Cruisers Size 6 Giant Pack runs $41.22 list price. Amazon Prime price drops it to $35.10, and if you use Subscribe & Save, it drops further to $28.08. That's over $13 off the original price, with free shipping! And make sure you look into Amazon Mom for your savings.

4. COFFEE PODS

There's no denying that coffee pods, in particular the K-cups , are incredibly popular these days. However, they can be expensive, especially if you buy them in small batches of 10–18 per box. Skip that, and get the bigger boxes from Amazon. With the free shipping options available to you, you can get a much better deal by buying in bulk. And of course, this is another great Subscribe & Save purchase, with further discounts making 80-count boxes come in well under $30.

5. TOILET PAPER

Most of us buy toilet paper  in packs of at least 6 to 12. Even then, they take up a lot of room in the grocery cart (and your trunk). Instead, buy more of it less often on Amazon, and get it delivered for free. Right now, you can get a pack of 48 double rolls of either Quilted Northern or Angel Soft for under $23 using the Subscribe & Save feature. Figure out how long it will last you, and opt for a free delivery interval that will ensure you never run out again.

6. VITAMINS

If you use vitamins  regularly, Amazon will save you a lot of money. There is a massive variety (over 113,000 items come up on an initial search) and you have Prime, Prime Pantry, and Subscribe & Save options available. If you opt for the Prime Pantry, split the small $5.99 shipping fee with a few friends and order all of your vitamins together in bulk. Just make sure you know you can use them before they expire.

7. CAT LITTER

Amazon is the perfect place to go for your regular supply of cat litter . You can find deals in Subscribe & Save, Prime, or Prime Pantry, with some litter coming in at just over $4 for a 20lb bag! (In that instance, that's around 20 cents per pound, delivered to your doorstep for under $6 shipping.) 

Source: Wisebread.com

Good Grades? Freebies for Your Child

Chuck E. Cheese - Receive free tokens for being a good student. Choose from the Super Student Award or Graduation Certificate.

Krispy Kreme - Get a free original glazed donut for each A (up to 6 A’s).

Chick-fil-A – Bring in your all A’s and B’s report card and receive a free 8 pack nuggets.  (This varies greatly by individual franchises.)

Pizza Hut – Each grading period period, any child who has 3 A’s or the equivalent will receive one Personal Pan Pizza and a small soft drink or carton of milk by presenting his or her report card to the manager. This offer is good for Elementary and Middle School students. Dine-in only. Student must be present and the original report card must be presented. Available at participating locations.

McDonalds – If your child has a straight “A” report card, he/she can receive a FREE Happy Meal. This may vary by location so call ahead first!

Family Video – Throughout the month of June, Family Video gives a FREE overnight movie or game rental to
students for every ‘A’ they receive on their final report card in any core subjects designed to ensure that we are an active, participating member of the community in which our store is located.

Cheryl’s Cookies – Get up to 3 FREE Cookies for A’s.

Cold Stone Creamery – Not on a national level, but the stores are individual owned & operated so the best thing to do would be to ask your local store as some have offered them in the past.

Bank Rewards – Check with your local banks and credit unions as many of them offer money rewards for good grades as well.

11 Retailers Where You Can Negotiate Prices

Several major retail stores will actually take part in price negotiations, and will usually give you a better deal than the one you were expecting. You just have to know how to play the game. And it goes without saying — be polite and courteous the whole time. Demanding a discount won't get you anywhere.

1. BEST BUY

Let's start with the one most people have asked me about. "Can you really haggle at Best Buy?" Yes, you absolutely can, although the results will vary from store to store.

First, you want to go shopping towards the end of the month, between the 29th and the 31st. Like most retail stores, Best Buy gives its floor managers sales goals, and they really want to hit them. By going in when they are down to the wire, you have more haggling power.

Next, follow a few simple rules and you will get the bargain you want.

  • You will get better discounts on high-end items. A huge $2500 TV or home theater system has a serious markup, and therefore, more wiggle room. If you go big, start negotiating.
  • Ask for freebies to be thrown in. If you're buying a computer, ask for a pack of blank DVDs. If you get a laptop, ask for a free bag or wireless mouse.
  • Focus on floor models and open box items. I've had great success buying floor models at massive discounts. The great thing is, you can buy the Geek Squad protection on it, and they'll replace it for a brand new item if they're unable to repair it. Open-box items are also easy to haggle on, and 20%-25% off is fair. And if the packaging on a new item is damaged, ask for a discount. They will often give you 10% off.
  • Bundle and save. Buying a monitor and a keyboard? Ask for a discount on both. The same goes for a TV and Blu-ray player, or a bunch of DVDs. If you are buying multiples, the store manager has some discretion to give you a deal.
  • Remember price matching. If you see a lower price anywhere, Best Buy will match it. So before you buy, search for the item on your smartphone and find the lowest price online or locally. Then watch the salesperson crumble.

2 & 3. HOME DEPOT AND LOWES

The top two big box DIY stores both have very similar policies when it comes to negotiating, and the following guidelines apply.

  • Scratches, dents, and dings give you great haggling power. On big appliances, most customers want their new items to be pristine. They cost a lot of money, they should be perfect. But who cares about minor dings? After a few months in the house with kids and pets, those dings will soon appear anyway. Seek out scratched and dented items when you want a new appliance, and start haggling. It's damaged goods, and the managers have wiggle room. Even torn packaging can get you a discount.
  • Get deals on poor quality lumber, roll ends, and off cuts. If you're building a fence and don't mind a few imperfect pickets or posts, grab them from the rack. Then, talk to a store manager and ask for a discount. You should easily get one, since the lumber they can't sell gets junked, anyway. You can also get great deals on roll-ends for carpet and linoleum, as well as off-cut wood and other materials.
  • Floor models are also great starting points for negotiations. These days, you can get all of your major appliances from the hardware store, and they all have floor models that have been poked, prodded, and generally used and abused by potential customers. However, they work just fine, most of them have never even been plugged in. Ask for a floor model, at a 10%-15% discount. If they are not ready to sell the floor models yet, ask when they are. You may even be able to put one on hold, if you are particularly charming.
  • Take advantage of stocking errors. This doesn't always work, but if you see something you want and the price looks too good to be true, it could be a product that has been placed in the wrong section. If it's a one off, forget it. But if the whole rack is marked at $10, instead of $20, then it is a legitimate angle for a discount. They priced it incorrectly, it's their mistake, and their loss. This happens a lot at hardware stores, especially in some of the aisles with very similar products at vastly different prices.
  • Price match. This is always a good option. Now, Home Depot and Lowes seem to be a little tougher on this than other stores, and will require evidence of a product in stock locally for a lower price. Online price matching will be way more difficult to achieve.

4 & 5. SAM'S CLUB AND COSTCO

Wherever you do your bulk buying, there are some strategies you can employ that can help you get better prices. Remember, just because you're already getting a discount, it doesn't mean the prices cannot go lower. Your membership fees and the bulk buying formula are the reason the prices are low. The stores are getting this stuff cheap, they make great profits, and you can negotiate.

  • Know the store layouts. Clark Howard, a consumer expert, says that the best deals in both of these stores are on aisles five, six, and seven. Knowing this in advance, you can head over to these areas and talk to the manager about buying a lot of these goods for a discount.
  • Look for items going off that day. Whether it's fruit, meat, bread, cakes, or vegetables, the manager will be very pliable towards the end of the day. They'd rather get a sale from you than throw it all in the dumpster.
  • Check the prices. For instance, any items ending in .97 at Costco are either discounted or on clearance, even if they don't advertise it. That means the store wants them gone, and gone quickly. Knowing this can really help you when it comes time to ask for a few bucks extra off.
  • Tires should never be bought at sticker price. The warehouse stores rely on you thinking that they will have the cheapest prices around. This is a complete fallacy. With your smartphone at hand, bring up the prices of the same tires at places like Discount Tire or Tire Rack.

6. FURNITURE STORES

There are big retail chains, and there are local mom-n'-pop businesses. However, they both have one thing in common: They are willing to negotiate on certain items, especially as the markup on furniture is so high. How high, you ask? Try 80%. A lot of the stock is bought overseas, shipped in, and marked up to ridiculous amounts. Here are some negotiation strategies you can use.

  • First, head to the back of the stores, or the clearance sections. You will find some products marked "as is" or "last one." Well, this is a great place to start haggling. They have discounted the stock because they want it gone, and if you are ready to take it off their hands on that day, you'll be doing them a favor. Don't get greedy, it's already cheap, but drop the price another 20%. If you can, offering cash also helps.
  • They know many of their products are not as high-quality as they make out. So, start looking over the pieces like they're used cars. Inspect the joints, the finish, point out the flaws. As you make your case for the poor craftsmanship, you are laying the groundwork for a discount.
  • Buy more, get more of a discount. If you plan on remodeling the bedrooms, see if you can afford to buy everything at one time. If you're dropping a lot of money, the furniture store may work with you.

7 & 8. WALMART AND TARGET

You might think that the country's two largest retailers wouldn't let you haggle. Well, this isn't the case. There are times you can haggle, if you know what you're doing.

  • Like other stores on this list, Walmart and Target will let you haggle on items that are damaged or dinged. On damaged items, you can get a13% discount at Target. I checked into this, and it's a standard figure that is often offered, especially if you received a damaged item from Target.com. So, if you are okay with the amount of damage the item has, ask for the discount. They will often apply it right there.
  • Food is very easy to negotiate on. Just like in the warehouse stores, Walmart and Target managers know that food that has reached its best-before-date is not going to be easy to sell. That's why you'll often see those "manager's special" stickers on meat and seafood. Well, just go and talk to a manager and ask for a discount on the food. They will usually apply a savings sticker right there. It can be anywhere from $3 off, to half price. If it's in questionable shape, or the packaging is beaten up, you can often get it for 75% off.
  • Discontinued items are another great way to save money. You can find out about them from websites, and armed with that knowledge you can ask for big discounts. You will also see them in bargain bins. The store wants them gone; they will negotiate.

9. PAWN STORES

You've seen Rick on Pawn Stars, so you know the score here. This is one of the few kinds of stores that actively encourages haggling, due to the nature of their "buy low and sell high" model. They want to engage you in negotiations, but this of course works both ways. You can get a deal, if you know how to approach them:

  • Learn the pawn store discount codes, such as the codes from Pawn America. Once you know the secret, you are instantly given a way to know how much the item can be discounted. Other pawn stores may have similar codes, so do your homework.
  • If you're selling, make sure you know as much as you can about your item. And then, make sure you make the first offer, knowing that it will be countered by a much lower offer. One of the first rules of negotiation is that the person who sets the price controls the bidding.
  • Don't over-negotiate. The pawn store owner is running a business, and has to make a profit from the items he or she buys. Yes, they are ready to haggle, but if you offer them half of what the item is worth, they'll laugh you out of the store. When they say "final offer," they mean it.

10. THRIFT STORES

As someone who goes to thrift stores often, haggling is a great skill to have. Every thrift store is different, but having worked behind the scenes at Goodwill, I can tell you that the pricing is very loose. Some items are marked too low, and others too high. With that in mind...

  • Look at the color-coded tags. If a color is on sale that week, it means it has been sitting on the shelf for a long time. Thrift stores have a high turnover, and want to make room for new merchandise constantly. These items are ready to go to something called salvage, and that means you have the ability to haggle the price.
  • Look carefully at the condition. Is it scratched, dented, or chipped? Does it work correctly? Did you find snags or holes that the pricer may have missed? Simply by pointing those things out, you can get a manager to knock a few bucks off the price.
  • Use your smartphone to bring up the going rate of the item you want. If they have overpriced it, they'll usually bring it down to the price you show them. After all, they get all of their items for free, so it's all profit for the charity.
  • Ask for discounts on bulk purchases. I recently bought a set of four plates the same price that three would have cost me, simply because I asked for a discount if I took them all.

11. DEPARTMENT STORES

Despite what you may think, Nordstrom's, Macy's, Kohl's, and Dillard's are definitely open to haggling. Managers are open to a little negotiation, and are even authorized to go 10% below a competitor's price. Here's what you need to do to make sure you are in the discount zone.

  • Price matching is key. If you find a blouse or a pair of shoes cheaper in another store, bring it up on your smartphone. They want your business, and they have numbers to hit. The price is not going to be much lower anyway, and they'd rather have less profit than no sale.
  • Sales happen all the time. Ask if the item you're looking for was recently on sale, or if it is coming on sale again soon. The store manager will often give you last week's sale price. You can also come back to a store when the item you bought at full price is now on sale, and ask for the difference as a refund. They will usually honor this.
  • Once again, scuffs, scratches, and dents are great haggling points.
  • Use something called "sticker shock." That means you're very interested in the item until the clerk reveals the price. If you are really taken aback, they will look into discounts for you. Sometimes, those discounts can be significant, especially on jewelry and watches.
  • Ask for extras to be thrown in for free. If you buy a suit, ask for a shirt and tie.
  • The golden rule with department stores — ask for the manager. They have the authority to offer bigger discounts, and if you are very polite, they often like to show how powerful they are by giving you a big fat discount.

Source: Wisebread.com

8 Ways to Get Student Loan Debt Forgiveness

The cost of higher education keeps climbing. Since 2004-2005, average college tuition in the U.S. has grown by over 35% to a total of $9,500 in the 2014-2015 school year. While there are many opportunities to receive grants, scholarships, and relatively affordable loans to finance a college education, there are also a number of loan forgiveness programs that can help to erase debt after you've graduated. Here are some of the best loan forgiveness options available.

1. TEACHERS

Many areas of the country need high quality teachers, particularly schools with students who fall into low income brackets. If you teach at one of these schools or at educational service agencies for five consecutive years, you may be eligible for up to $17,500 worth of complete forgiveness on Federal Stafford Loans. PLUS loans are not eligible for forgiveness under this program.

2. EDUCATORS

While the forgiveness of Federal Stafford Loans is limited to teachers, theforgiveness of Federal Perkins Loans is more expansive, and broadly includes educators. Perkins Loans can be 100% forgiven if you elect to become a school librarian, an employee at a child or family-centered agency, a staff member at a Head Start program, pre-kindergarten, or childcare program, or a school speech pathologist, special education teacher, or full-time teacher. Most of these programs require you to work in a low-income school, remain a teacher for a certain number of years, and some also carry specific education requirements, such as a master's degree.

3. ARMED FORCES

If you are considering joining the military, there are loan forgiveness opportunities for you. Should you serve in a hostile fire or imminent danger area, you may be eligible for forgiveness of your Federal Perkins Loans. If your active service ended on or before August 14, 2008, you can receive up to 50% loan forgiveness. If your service began after or includes August 14, 2008, you may receive up to 100% loan forgiveness.

4. FIREFIGHTERS OR LAW ENFORCEMENT OFFICERS

Should you feel called to protect your city by becoming a firefighter, law enforcement officer, or corrections officer, you may be able to receive up to 100% forgiveness of your Federal Perkins Loans.

5. NURSES OR MEDICAL TECHNICIANS

Nurses and medical technicians across the country are in short supply. In less than 10 years, the nursing field is expected to increase job openingsby 19%. Full-time nurses and medical technicians can be awarded up to 100% loan forgiveness of their Federal Perkins Loans.

6. AMERICORPS VISTA OR PEACE CORPS VOLUNTEERS

Many young college graduates feel a compelling call to serve in a volunteer capacity in the U.S. or overseas. If you fall into that category, there are two programs that would help you to gain up to 70% loan forgiveness of your Federal Perkins Loans: AmeriCorps VISTA is a volunteer program for students who want to serve in vulnerable areas in the U.S. The Peace Corps is a storied program that pairs American volunteers with sites abroad in developing nations.

7. EARLY INTERVENTION SERVICES OF THE DISABLED

There are many nonprofit and government organizations that seek to provide critical and early intervention services for the disabled. If you work for one of these organizations, you may be eligible to receive up to 100% forgiveness on your Federal Perkins Loans.

8. FULL-TIME FACULTY AT A TRIBAL COLLEGE OR UNIVERSITY

The U.S. Department of Education has designated certain colleges and universities as tribal colleges. This means that these colleges and universities are primarily focused on educating U.S. citizens who are American Indians and Alaskan Natives. Full-time faculty members at these schools can receive up to 100% forgiveness of Perkins Loans.

Receiving a college education today is now an expensive proposition for just about everyone. Luckily, these loan forgiveness programs provide options to finance your education while also helping you to make a meaningful and lasting impact in a community that needs your skills and talents.

Source: Wisebread.com

Target agrees to pay $10 million to settle lawsuit from data breach

Were you effected by the 2013 holiday credit card theft? I was! Now they are paying out to consumers.

Under the proposal, which requires federal court approval, Target will deposit the settlement amount into an interest bearing escrow account, to pay individual victims up to $10,000 in damages.

The claims will be submitted and processed primarily online through a dedicated website, according to the court documents.

See complete story.

10 Outlet Shopping Hacks

1. KNOW YOUR "OUTLET" STORE

"Outlet" stores come in three flavors: factory stores, actual outlet stores, and conventional retail stores. Always ask an associate what type of store you are shopping in to quickly figure out the type of deals you might find.

Factory Stores

Factory stores are locations that sell merchandise made specifically for the factory store. While the deals to be had can be quite good, be aware that often the merchandise is of lesser quality. I actually had a manager at an Eddie Bauer factory outlet tell me that the stitching is not as good compared to their regular stores and items typically won't last as long. In addition to Eddie Bauer, examples include Gap, Banana Republic, and Gymboree.

Actual Outlet Stores

Actual outlet stores are locations that sell merchandise originally stocked in regular retail stores. Often products are last season's overstocks or have a small blemish on them. You can typically score a much better deal at outlet stores compared to factory stores. It is important to always examine products carefully to ensure quality. Popular examples of real outlet stores include REI, Coldwater Creek, and Lands' End.

Conventional Retail

Conventional retail locations dressed up as outlet stores are also prevalent. In an attempt to take advantage of popular locations and high foot-traffic, some retailers willingly buy space at outlet malls. The deals at these stores often match the deals found in their conventional retail counterparts. Examples include Old Navy, Merrell, Famous Footwear, Sunglass Hut, and American Eagle Outfitters.

2. FIND HIDDEN CLEARANCE DEALS

Just because you're shopping at an outlet mall doesn't mean stores are without a clearance department. Typically, you'll have to walk past all of the full-priced merchandise to find the clearance section hidden in the rear of the store. If you can't find your size or color, ask an associate for assistance — they often have clearance items in the back that haven't been put out on the sales floor yet or were recently returned.

3. PRACTICE INFORMED COUPONING

When it comes to outlet shopping, not all coupons are created equal. Typically, coupons are created specifically for outlet or factory stores and regular in-store coupons won't be accepted. Check the coupon fine print to avoid the disappointment of a printable coupon being turned away at the register. Always do a Google search for "Store Name OUTLET coupon" before you head out to the store to make sure you find an applicable coupon.

4. SHOP HOLIDAY WEEKENDS

Outlet stores are notorious for offering amazing sales on holiday weekends like Memorial Day, Labor Day, Fourth of July, and Thanksgiving. You'll often find entire outlet stores marked down 40%-50% off original prices. The parking lot can be quite full on holiday weekends, so it's advantageous to get there when the stores open to avoid the crowd.

5. DON'T BUY JUST BECAUSE YOU MADE THE TRIP

All too often, shoppers get caught up in the mystique of outlet malls and feel they need to buy just because they made the drive. Don't fall prey to this mindset. Instead, shop with a list and a budget and stick to it. If the deals simply aren't there, then leave the store knowing that they eventually will be, especially on big holiday weekends.

6. GO SOCIAL AND SAVE

Did you know that the majority of outlet centers have their own Facebook pages? Do a quick search for the Facebook page of the outlet mall you plan visit and get exclusive sale and coupon information.

7. SCOPE THE NIKE OUTLET HASH WALL

The Nike Outlet is a big favorite with many outlet regulars, and many contain a far back wall referred to as the "hash wall," where they typically stock shoes that are marked down for a quick sale. What you see is what you get, so if you are not particular on style or color, it's a great place to score a deal.

8. HAGGLE THE PRICE (WHEN APPROPRIATE)

You can absolutely haggle the price at a traditional outlet location, where items are likely to have a blemish or be reconditioned. Politely point out the imperfection, ask for an extra 15% off, and be prepared to settle for a 10% discount. The bigger the imperfection the better chance of success, especially if you are making a substantial purchase. The same goes for damaged packaging as stores realize they will have a tough time selling items at the advertised price. Give it a try it and you may be pleasantly surprised with the result.

9. SHOP FOR NEXT SEASON

A great way to use save on outlet shopping is to stock up on apparel, shoes, and outerwear for the following year, especially when shopping for growing kids. When you stumble across an amazing deal, simply buy a size or two up and store for next year.

10. BE AWARE OF THE RETURN POLICY

The return policies at outlet shopping locations can often be kind of screwy, so always ask before they slide your credit card. Sometimes items are final sale with no refund available. Sometimes you can only return items to an outlet location, which, depending on how far you drove, can be a real pain. Always be aware of the store's return policy and shop accordingly.

Source: Wisebread.com

7 Money-Saving Restaurant Tips

1. GO FOR LUNCH

Many fine dining establishments are also open for lunch, and while some just serve a smaller menu of the dishes they serve for dinner at the same price, others offer some real deals.

Bouley, a well-known and well-loved restaurant in New York City is known for their tasting menus. Their dinner version is six courses and costs a cool $185, while their five course lunch version is $55. It may not have all of the same flourishes, but you are still eating a fancy pants tasting menu at Bouley without having to take out a second mortgage.

Blackbird, a celebrated spot in Chicago offers a lunch prix fixe that is $25 for three courses, which is cheaper than most of their single dinner entrees. They also offer a complete lunch menu that runs half the price of their dinner menu. Check out your restaurant of choice's menus and compare lunch and dinner to see if they offer midday bargains.

2. GO ON A WEEKNIGHT

Not surprisingly, Friday and Saturday nights are the busiest times at all restaurants, let alone the really nice ones. Some establishments offer discounts or special (cheaper) menus on weekdays, especially Monday through Wednesday — Tuesday is statistically the least busy day for restaurants. Call or check a restaurant's website to find out if they offer weekday deals. City publications also like to do articles about such deals, like this round-up of Weekday Dinner Deals in LA.

Little Dom's, a popular Italian spot in Los Angeles that frequently serves celebrities, offers a $15 three-course family-style dinner on Monday nights along with drink specials. Just an entree can run up to $30 on a normal night, making a Monday night reservation a no-brainer.

3. EAT AT THE BAR

Restaurants don't just put a bar in their upscale dining rooms so that the liquor and bartender have someplace to hang out — it also adds seating without taking up as much room as tables. To reward you for sitting elbow to elbow with your stranger neighbors, many places offer bar specials, happy hours, or even an entire menu only available at the bar.

Spago is Wolfgang Puck's restaurant in Beverly Hills and is highly regarded by eaters and critics alike. The bill can easily surpass $100-200 per person even at lunch, but luckily they have a bar with it's own "bar bites" menu. Go during happy hour from 9 p.m. to 11 p.m. and order a drink and some "bites" and relish in the fact that you're sitting in Spago without maxing out your credit card. Call your local fine dining spots and see if they havesimilar deals. Be sure to mention that you want to eat at the bar when making your reservation.

4. BYOB

While some fine dining spots are pushing their 15-page wine lists, others are becoming more open-minded. A surprising number of restaurants are offering BYOB now, even if they offer wine.

Goosefoot, largely hailed as one of the best restaurants in Chicago, permits BYOB with just a $10 corkage fee. The food will still cost you a pretty penny, but you'll save big bucks on your drinks while eating top-notch food. Look for articles about BYOB spots in your city, or call and ask about a restaurant's policy. Then do a little math and compare their drink prices with bringing your own plus the corkage fee. The numbers are often in your favor!

5. DON'T BUY $50 LEFTOVERS

Finally time to order? Take a look around. What are people ordering? How big are the portions for appetizers and entrees? How much food are they ordering? Pay attention to the details and it will help prevent over-ordering and a $50 leftover situation. Make a plan with your fellow diners and share dishes so that everyone can try more things without over-ordering.

6. HOLD THAT DRINK ORDER

All wait staff is trained to ask for your drink order immediately, or even offer you a drink while you wait for a table. While there is nothing wrong with this policy, since you might be thirsty or might actually want a drink, they also do it in hopes that you'll order more drinks as the night goes on. Start early and you can easily be a drink in before you even order your food. Alcohol charges can add up quickly, so hold that drink order until you order food and enjoy your wine with the meal. Or, if you're a digestif fan, wait for dessert. If you don't want to give up that pre-dinner drink, pregame at home or at a lower-priced bar. It can also help to make a drink limit for yourself at the beginning of the night and stick to it.

7. SKIP THE EXTRAS

Or, to really save money, don't order drinks at all. Drink orders can easily double your bill since alcohol typically has the highest mark-up at restaurants. You came for the food anyway, right? Plus, more alcohol equals more spending in more ways than one: a tipsy diner is more likely to order whatever they please and be surprised at their credit card bill later. If the restaurant isn't known for their desserts, then skip that, too, and grab some of your favorite ice cream on the way home instead. It will extend your fun night and save you an extra $10-$20.

Source: Wisebread.com

18 Frugal Foods You Should Always Have in Your Freezer

Here are 17 items that should always be chilling in a frugalista's freezer.

1. READY-TO-EAT MEALS

These could be dinners you batch cookedpancakes stacked between sheets of parchment paper, or heck, even TV dinners and frozen pizzas purchased on sale. It's up to you whether your emergency rations are homemade or store bought; the point is that when you are running late and haven't packed yourself a work lunch, or when kids' activities keep you out of the house until 15 minutes before dinner, you need something to fall back on to prevent you from wasting your money on unintended restaurant meals.

2. CUBES OF… EVERYTHING

Don't waste left-over coffee, tomato paste, or even champagne — just empty it into an ice cube tray, then later pop out the cubes and store in a labeled freezer bag. Go past the obvious uses for ice cube trays — try preserving fresh herbs or making ready-to-bake cookies.

3. RAW MEAT

If you're a carnivore, there is no more versatile meal base than a one-pound package of ground meat. Defrost it in the microwave, and you're ready to make a casserole, chili con carne, or so many other recipes.

My grocery store marks down meat by 30%-50% close to its expiration date, so I generally have three or four packages of discounted meat in my freezer. Some Costco shoppers repackage the warehouse store's mammoth meat portions into meal-sized freezer bags. Some clever folks even pour marinade into their frozen meat bags. On the rare occasion that I find a BOGO sale on whole chickens, I'll chuck a whole bird in the freezer — just keep in mind that these take a lot longer to defrost than small portions of cut-up meat.

4. COOKED, CHOPPED MEAT

Even if you don't go all-in for "freezer cooking" or "once a month cooking," having a pound of cooked, chopped up beef, pork, or chicken ready to defrost can cut 20 minutes or more off meal prep time.

5. FISH

Although fish can be on the expensive side, a lot of wild fish is really good for you. And itcooks quickly from a frozen state, making for a great weeknight dinner with no pre-planning needed.

6. A WHOLE TURKEY

When turkey prices dip below a dollar a pound at Thanksgiving, why buy just one? I always buy at least one spare, depending on freezer space, for a future family feast with lots of leftovers.

7. A WHOLE COW

Okay, you're not going to fit a steer into the freezer over your refrigerator. However, if you are feeding a family of carnivores, and especially if you prefer grass-fed or organic meat, consider purchasing a whole animal directly from a ranch, or splitting one with another household. You may have to buy a chest freezer, but you can save a lot this way.

8. COOKED BEANS

You can save money over canned beans by soaking and boiling your own. But who wants to do that every time they make chili? I soak a whole pound of beans at once, cook it all up in the slow cooker overnight, then use a cup or two for dinner while freezing the rest in meal-sized portions.

9. COOKED RICE

We like brown rice, for which restaurants often charge more. So when we order Asian takeout, we'll skip ordering rice and make our own. To be honest, I don't see defrosting frozen rice as much less work than cooking a fresh pot — but if you forget to start rice before the doorbell rings with your food, having a bag or two in the freezer that you can quickly microwave is a savoir.

10. OLD BREAD

A lot of recipes, like meatloaf, call for breadcrumbs, others, like strata or stuffing, call for cubed bread. I never have to buy bread crumbs, because every time I have a slice or two that has been sitting around too long, I add it to the large bread bag in the freezer. When I need crumbs, I throw some in the food processor.

11. BAGS OF FROZEN VEGETABLES

When the grocery store has a deal on frozen veg, stock up. Even if you prefer fresh produce, this way you'll never be stuck eating a meal with no greens. My favorite veggie to keep in the freezer is peas, because I can reach in for just a handful every time I make a salad, and they'll defrost on their own while I chop the fresh veggies. Other Wise Bread writers have lots of recipe ideas for frozen spinach and frozen broccoli.

12. BAGS OF FROZEN FRUIT

Frozen berries or mango pieces are great to have on hand — they're so much less work than washing and cutting up fresh, and when making smoothies, they can substitute for ice. If you have an orchard or garden, of course, freezing your own fruit is even more frugal than buying it.

13. MILK

If you are going out of town, you don't want to leave an opened container of milk in the fridge to go bad. But you don't have pour it down the drain, either. Pop the whole carton into the freezer if you have room, or decant it into a smaller container, or even save a leftover ounce in an ice cube tray. Perfect is you take your coffee with milk.

14. BUTTER

Running out of butter can be a real recipe killer, so even if it didn't save me any money I would keep a pound or two on ice. This stuff tends to go on sale around the holidays; buy multiple pounds then and you'll be set for a few months.

15. BACON GREASE

Now that cooking with lard, chicken schmaltz, and other animal fats is coming back into vogue, I've started saving my bacon grease and other drippings for cooking, just like my mom did. If you're not going to use them up quickly, you can always stash them in the freezer.

16. HOMEMADE STOCK

When you're a guest at Thanksgiving dinner, others might think it's weird if you ask to take home the turkey carcass. Do it anyway. You can boil those bones to make cups and cups of delicious stock, the base of future soups, stews, and recipes you never even thought of. Once you've made your stock, pour it into containers or bags, label and freeze.

17. STOCK INGREDIENTS

Not every day is Thanksgiving (thank goodness for our waistlines). You might not feel like making stock out of the carcass of a small chicken or even from leftover rotisserie bones, but you still shouldn't throw them away. I keep two large bags in my freezer: one labeled "carcasses," and one labeled "veggie scraps." All unused chicken parts go in the first bag, broccoli stalks, carrot scrapings, and other unused bits of plants go in the second. When they start to bulge, I pour everything into a stockpot, add a bay leaf and some spices, cover with water, and, voila! Stock. (By the way, my stock never seems to suffer from having been made from frozen ingredients, then refrozen when complete. Stock is forgiving.)

18. FREEZER POPS

They may not keep your kids from wanting the ice cream truck's treats (for my kids, nothing does that), but homemade pops are an affordable summer treat that can even be healthy, depending on the ingredients.

 

Source: Wisebread.com

Consumer News: Walmart Savings Catcher Program

Starting February 14th, Savings Catcher will not apply to produce and bakery items. Additionally, Walmart is limiting comparisons to offers of other mass market retailers, grocery and dollar stores and removing comparisons with drug stores. 

As a reminder, Savings Catcher compares your receipt to advertised prices from top stores in your area, and if it finds a lower advertised price, you get the difference on a Walmart eGift Card – all you have to do is enter your receipt and then Walmart does the rest of the work for you. Or click “Redeem to Bluebird” on your Savings Dashboard and Walmart will double your Reward Dollars and turn them into Walmart Bucks – separate funds on your Bluebird Account that can only be spent at Walmart.

9 Financial Skills Everyone Needs

1. MAKE A BUDGET — AND STICK TO IT

It's tough to barely cover bills month after month, but if you make a budget and look for little ways to save some money, a little advance planning pays off big time — it can mean the difference between living comfortably and looking for change between the cushions to buy your next meal.

The first step to managing your money is to know how it's coming in, and where it's going. Use an accounting tool, whether it's paper and pencil or an online program like Mint, to keep tab of your income and expenses. Total all your expenses for the month and compare that to how much you earn every month. If current expenses exceed income, then you need to figure out where to cut.

2. WHEN IT COMES TO SAVING, EVERY PENNY COUNTS

There's always going to be something to spend on, whether it's your faltering car engine or a costly toothache. Living on a small income can make it hard to save for a roof repair or a retirement fund, but it can be done.

  • Ask your bank to automatically transfer funds each month — even as little as $10 — from your checking to your savings account.
  • Put all your loose change into a piggy bank, then transfer it into your savings account. A nickel a day, plus $10 from your checking-account transfer, adds up to $140 a year — and over a lifetime can total many thousands of dollars.

3. SEEK MORE MODEST HOUSING

Too many of us have larger (or more expensive) homes than we actually need. Consider downsizing to the least costly home that will meet your family's needs. If you own a home, check with your lender whether you can refinance your mortgage at a lower rate. Mortgage interest rates are at historic lows, so refinancing could save you years of payments and a good deal of money that you can stash away into savings. Or, consider renting out a room in your home or finding a roommate to reduce costs.

4. REDUCE YOUR CAR USE

When you're on a tight budget, you're attuned to minimizing your driving as much as possible in order to cut gas costs. The best way? Combine multiple shopping trips into one. Of course, you save even more on gas and auto maintenance if you can ditch the car and walk, bike, rollerblade, or even skateboard to the store or work.

5. MAKE USE OF AVAILABLE BENEFITS

Low and moderate-income workers can qualify every year for an Earned Income Credit on their tax returns, which can refund up to $496 for an individual and $5,450 for a family of four. You can find out if you're eligible by using the IRS's EITC Assistant website.

And don't forget to make use of health care benefits — an unexpected medical emergency can be costly, so make use of Medicaid, or hospital financial assistance, if you qualify. Also, remember that the Affordable Care Act offers government subsidies that can offset all or part of the cost of private health insurance. HealthCare.gov is a good place to start.

There are plenty of other useful programs that provide help with a variety of things, such as utility bills or advancing your job skills. Start at the Benefits.gov website to see what you could be eligible for.

6. FIND A SIDE GIG

As many people with tight budgets know, one paycheck is rarely enough. Even if you already have a full-time job, a little extra income can come in handy to pay off debt, cover bills, and save for emergencies. And there are plenty of money-making ideas that won't detract from your 9-to-5 job, such as selling items on eBay or renting out your extra room on Airbnb. If you have desirable skills, freelance or consult on the side. Many side jobs have little to no start-up costs and can be done during your down time.

7. BE SAVVY ABOUT HEALTH CARE COSTS

People on tight budgets use these methods to lower medical costs:

  • Find the lowest-cost place to purchase prescription drugs. Call and do a price check at ethnic supermarkets and discount centers, and look online at mail-order pharmacies.
  • Ask your physician to consider prescribing generic drugs. Generics can cost several hundred dollars less to purchase annually than brand-name drugs — and they're thoroughly regulated by the FDA.
  • If you've got a minor ailment (like the flu or an achy muscle) check out low-cost retail clinics in your area. CVS, Walgreen's, and Walmart often offer these.

8. NEVER PAY FULL PRICE IF YOU DON'T HAVE TO

People with limited incomes usually can't afford to pay full price. And you should get in the habit of never doing so, either. If you're shopping retail, wait until the end of a season to buy items once they're priced half off or more. And save your receipts: Most stores will refund the difference if your purchased item's price declines within 30 days of purchase.

9. POOL RESOURCES

Carpooling, sharing baby-sitting duties, and cooking pot-luck dinners are examples of ways to reduce costs by pooling resources. Can other family members live in your home and pitch in for rent? Can older kids make a few extra bucks by mowing lawns on the weekend that can be used to pay for school lunches? Communal living not only brings us closer, but also reduces expenses and creates a sense of common purpose.

Source: Wisebread.com

Trade in Gift Cards at Walmart

Starting Christmas Day, Wal-Mart is letting customers exchange gift cards from more than 200 retailers, airlines and restaurants for a Wal-Mart card. The cards don't expire and can be used in stores and online.

It's a test program, but if it's successful, Wal-Mart Stores Inc. said the card swap could become a permanent service. Wal-Mart spokesman Ravi Jariwala said the chain doesn't have specific metrics to evaluate that but will watch how shoppers react.

Shoppers won't get the full value of their gift cards to use at Wal-Mart. For example, with Amazon.com, customers can redeem up to 95 percent, while for Staples that figure is up to 90 percent and for Gap, up to 85 percent. For some brands, a Wal-Mart gift card will be worth just 70 percent of the original card.

To exchange a card, go to http://walmart.cardcash.com and input your information. The Wal-Mart eGift cards should be emailed to you within an hour.