budget – Page 10 – Luv Saving Money

Finance Solutions When Preparing For College

My oldest son is halfway through his senior year. I can’t believe it. We’re getting information on ordering graduation announcements. My son’s last prom will be coming up. It just all seems surreal. I’ve also realized there are more expenses when planning for college than just going to college.

There are fees I didn’t even think about like:

college application fees
SAT and ACT fees
Transferring SAT scores to applied colleges ($12 by the way)
travel for campus visits
and more

If you’re planning for college years down the road, good for you. There are lots of finance solutions available to you. One of the best ones is a 529 plan. 529 plans are tax advantaged education savings plans. The earlier you start a 529 plan the better to really save properly. You also have opportunities for additional funding through the Upromise program in Pennsylvania. You can also do a traditional savings account but it doesn’t have as many advantages as the 529 plan.

Talk With An Expert

Taking to a financial planner might be the best route. Financial planners can look at your finances and your goals and help you create a game plan for the future. This option is good even if you didn’t plan years ahead. If you have more than one child to plan for the future this is probably your best bet. They can also give advice on the best savings solutions for you and your family.

Use School Resources For Help

High School guidance counselors are a great source of information to help find local scholarships, grants, and tips for a smoother transition to college. I’ve talked to my son’s guidance counselor a few times. In fact, I need to make another phone call soon. She’s given my son info about local scholarships, applications processes, and more.

When doing campus visits, the institution you’re visiting typically has someone available to give information on tuition, financial aid, etc. My son visited a local campus. They said with his SAT scores he’s guaranteed about $3000 in scholarships which was nice to hear.

Apply For Grants and Scholarships

I know this should be a no brainer but I’ve heard some people say “I’m not going to apply for that scholarship, there’s a lot of people applying for it” The thing is, they’re going to give it to someone, you may as well throw your name in the hat.

There are also some scholarships that really don’t have many people apply for it. There are also scholarships designed specifically for kids going into certain majors which cuts down on the amount of people that can apply.

FREE 12 pc Stemless Wine Glass Set After Cash Back

This offer is for new TopCashBack members. This set would make a nice gift or help with holiday entertaining. If you’re not a member of TopCashBack yet you really should be. You could be earning cash back and many of your online purchases! It really adds up if you do a lot of your holiday shopping online.

Step 1:
Click Here to Get Started. Join TopCashback and signup for a FREE account if you haven’t already.

Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.

Step 2:
Click on the pink “Get Offer Now” Button

Step 3:
Add any Wine Glass Set from Walmart totaling $11.96 or more to your cart and head to checkout. You must spend at least $11.96 to get this deal.

TIP: Want to purchase more than $11.96? Make a second transaction instead of adding more to an existing cart to maximize additional cash back.
Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.
Free In-Store Pick Up + Free Shipping over $35+!

Step 4:
Pay $11.96 or more. That’s it! The $11.96 will post to your TopCashback account within 14 days, and the amount will become payable. Cash back can be credited straight to your checking or PayPal account.

Note: Transactions must contain at least $11.96 worth of purchases to ensure the $11.96 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $11.96. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 11/17/2019 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.

10-in-1 Tool That Fits In The Palm Of Your Hand

Everyone knows that multi-tools can be so handy. Some of them are bulky, Some of them you have to search through your backpack, purse, or tool box for. But what if you have a multi-tool that was compact, light-weight, clipped right onto whatever you’re wearing and had TEN different uses? That’s what PockeTool brings to the table…or the campsite..or bike ride or whatever.

So what exactly can the PockeTool do?

It’s a carabiner
It’s a flathead screwdriver
It’s a phillips head screwdriver
It’s a bottle opener/letter opener/staple puller
It’s a bicycle spoke key
combine the tip with magnesium for a fire starter
It’s a wire bender
It’s a wire cutter
It’s a scraper/lid popper
It’s a 6 point wrench 10 cm, 8 cm, 7 cm, 5.5 cm

You’ll find though, the more you use it the more things you realize you can use it for. Use it as a keychain so you have it everywhere you take your keys, Use it to scratch your lottery tickets, use it to help separate, so much stuff.

It’s compact and fits right in the palm of your hand. Easily clips onto a purse, backpack, pant loop. Or small enough to fit in a pocket, wallet, purse, or change pouch. Keep it in your car for emergency like quick car fixes.

Don’t worry about it bending or breaking when trying to pop that paint can lid off or tightening a screw it’s made for 420 grade stainless steel. Check this video out to see the Pocketool in action:

You can pre-order PockeTool Now! Plus if you pre-order right now, it’s only $15! Great stocking stuffer or under $20 gift!

PockeTool is part of this year’s Holiday Gift Guide 2019 here on LuvSavingMoney.com so watch for that!

I received the above mentioned product sample in order to complete this post. Any opinions expressed are my own.

WOW FREE 72 Pack of Gain Flings from Staples After Cash Back!

If you’re not a member of TopCashBack yet, this is an awesome freebie offer. When you buy a 72 ct of Gain Flings from Staples through TopCashBack you get $21.99 cash back making this FREE!!! That will do a few loads of laundry huh?

TopCashBack is free to join. I’ve been a TopCashMember for a few years now. I can tell you they consistently have the highest cash back on a lot of sites I like to shop. Imagine earning money back for holiday shopping, birthday shopping, or even just every day purchases!

Here’s the details:

Step 1:
Click Here to Get Started. Join TopCashback and signup for a FREE account if you haven’t already.

Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.

Step 2:
Click on the pink “Get Offer Now” Button

Step 3:
Add any Gain Flings from Staples totaling $21.99 or more to your cart and head to checkout. You must spend at least $21.99 to get this deal.

TIP: Want to purchase more than $21.99? Make a second transaction instead of adding more to an existing cart to maximize additional cash back.
Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.
Free In-Store Pick Up!

Step 4:
Pay $21.99 or more. That’s it! The $21.99 will post to your TopCashback account within 14 days, and the amount will become payable. Cash back can be credited straight to your checking or PayPal account.

Note: Transactions must contain at least $21.99 worth of purchases to ensure the $21.99 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $21.99. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 11/1/2019 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.

Sam’s Club One Day Sale Coming Soon!

My husband and I just got a Sam’s Club membership for the first time in years. After shopping a few times I wonder why we didn’t do it sooner. So much savings already! I almost forgot about the Sam’s Club One Day Sale and now I’m super stoked!

Saturday November 9th is the Sam’s Club One Day sale. Doors open at 7 am. Guess what?! I have the circular so you can check out the deals. Amazing deals on Roomba, Kitchenaid, Xbox, tires, and much more!

I actually told my husband I think I want a Roomba for Christmas but only if I could find a good deal. This might the deal! There’s some awesome deals on laptops too!

If you’re not a Sam’s Club member yet but have been thinking about it, you can join through my referral link: https://www.samsclub.com/r/jqfwmbv My link gets you a free $10 e-gift card when you sign up! I was able to print mine out and use it in store when I signed up. So maybe you want to save it to get an even better deal during the one day sale? Just a suggestion.

This post does contain affiliate links. I will get a small commission from sales made through these links