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money saving tips – Page 11 – Luv Saving Money

Getting The Most Bang For Your Buck At Dollar Tree Stores

This post originally appeared on the Dealspotr blog. Dealspotr is the most accurate coupon site that pays you to save. I’m @LuvSavingMoney on Dealspotr, use my link to join today and earn 5,000 bonus points.

Dollar Tree, an American chain of discount variety stores, has created an environment where shopping is fun and stress-free. It has become a place where customers are able to discover new treasures and purchase them without breaking the bank.

The reason? Well, Dollar Tree is famous for selling all items for $1 or less. It is an international company with thousands of stores located in malls and shopping centers in all 48 contiguous states and Canada.

Dollar Tree competes in low-end retail markets and sells anything from food, health & beauty, housewares, toys, and dinnerware to electronics, teaching supplies, books, and pet supplies. In addition, most stores sell frozen foods and dairy items like ice cream, pizza, eggs, milk, and frozen dinners. Therefore, it is truly a place where entire families can find that special something that will only cost $1.

From our experience, all Dollar Tree stores are bright, clean, stocked, and well organized. They offer a mix of merchandise that includes a wide range of trusted regional and national brands. Simply put – everything you or your family might need can be found in this store for a buck or less. And the only thing you have to do is locate the nearest Dollar Tree store and start shopping.

How To Save Money At Dollar Tree Stores

Dollar Tree’s items are so cheap that it sounds impossible to provide tips to save money there. However, as we make impossible things possible, we’ve managed to find some useful information that will increase your savings while shopping at Dollar Tree stores. But first, let’s be clear on something.

In the world of “dollar stores,” there are two types:

  • True dollar stores like 99 Cents Only and Dollar Tree that sell everything for $1 or less
  • Places that are called dollar stores, like Family Dollar and Dollar General, that also sell affordable products, but often for more than $1

With that being said, and since we’ve said it a bunch already, you won’t find anything in Dollar Tree with a price tag over $1. In fact, there are even ways to get items free of charge!

So without further ado, let’s take a look at some unknown ways to save money at Dollar Tree stores.

Use Coupons

According to Dollar Tree’s policy, you can use one manufacturer coupon per item, which can be found in newspapers, magazines, and online. In addition, from time to time you may notice occasional store coupons. But as they are so rare, they are not really worth our time.

You should know that Dollar Tree doesn’t accept overage (cash back) if the coupon is worth more than the price of the actual item, but you can still use it to get the product for free.

You’re only allowed to use four newspaper coupons and two internet coupons per household, per day. Dollar Tree doesn’t accept competitor’s coupons, and all “free product coupons” are BOGO deals, which means you’ll have to buy one item to get the other free of charge.

With that being said, the easiest way to save money at Dollar Tree is to use coupons available on our website. However, make sure to pay close attention to the size restrictions and exclusions prior to using coupons.

Finally, get familiarized with Dollar Tree’s coupon policy, and always bring the printed version for backup. It would be wise to learn couponing terminology and abbreviations to know the coupon lingo.

Shop Online

Shopping online has become so popular that all major stores are racing to become the biggest online retailers – and of course, Dollar Tree is no exception. So visit their website, find the products you need, and add them to your shopping cart. It’s that easy!

Online shopping will save you time, money on gas, the hassle of waiting in lines, and you’ll avoid impulsive purchases – the number one spending mistake most customers make. And on top of that, many products qualify for free in-store pickup.

But there’s one catch – most items will have to be purchased in bulk, which can be a good thing as it will reduce the price of the item. In addition, don’t forget to use coupons that you can find on our website.

Shop in multiple stores

If online shopping isn’t your thing, then you should browse the stores in your area to determine which store offers the best selection of the items you purchase on a daily basis. The reason for that is simple – Dollar Tree stores have different stock and you might be missing out on a hidden treasure that’s available in a nearby Dollar Tree store.

Join Value Seekers Club

Value Seekers Club is Dollar Tree’s exclusive loyalty program that offers perks for their most loyal customers. You can sign up here to receive early notice of special deals that will help you save more money. They even give you an option to choose the offers you want to receive. For example, if you are only interested in party supplies, they’ll only send you offers related to that particular department.

As an alternative, you can subscribe to text messages that contain exclusive offers, events, contests, and new products. To do that, simply text “HELP” to 28469. If you want to stop receiving text messages, send “STOP” to the same number.

Use Cash Back Apps

Another way to save money at Dollar Tree is to start using smartphone rebate apps that offer cash back on items you most likely purchase on a daily basis. The most famous rebate apps are Ibotta and Checkout 51, and we even have a guide that will explain how they work in detail. Basically, you find the item on the app, purchase it in the store, and scan the barcode to collect points which you redeem for cash via PayPal (or other payment method).

Look at Closeouts & Bonus Buys

If you prefer online shopping, then you definitely don’t want to miss Closeouts and Bonus Buys. They both offer amazing products, but there is a minimum quantity limit. So for example, if you want to purchase 4-oz. Bars of Zest Soap at Bonus Buys, you’ll have to purchase 24 cases. Currently at Closeouts there are mostly vases, but again, you have to buy multiple as it comes with a minimum quantity requirement ranging from 4 to 24 vases.

Determine Price Per Unit

Most people think that they simply can’t go wrong while shopping at Dollar Tree since everything is a dollar. However, not everything is a good deal. Sometimes, products such as Ajax dish soap are cheaper at Walmart. Therefore, always calculate the price per unit to know exactly how much money you are paying for one item. Then, compare the prices and determine whether it’s a good deal.

Things You Should Buy At Dollar Tree Stores

People who are trying to save money at Dollar Tree stores are always looking to get the most bang for their buck and are searching for great buys. To become a savvy Dollar Tree shopper you have to learn what you should and should not buy. And even though everything comes with a dollar price tag at the store, that doesn’t necessarily mean everything is worth a dollar. Therefore, we’ve decided to share with you a list of items that you should definitely purchase while shopping at Dollar Tree stores.

1. Greeting cards usually cost $3-$5 at most stores, while at Dollar Tree you can usually purchase them for 50 cents.

2. Party supplies like paper plates, cups, balloons, confetti, tablecloths, wrapping paper, gift bags and more are only $1 each at Dollar Tree. That’s a bargain compared to the prices of the same items at other stores. Plus, you can even fill balloons with free helium after checkout.

3. Bread usually costs $2.5-$3 at most grocery stores. At Dollar Tree you only pay $1 per loaf.

4. Best-selling books from famous authors like Janet Evanovich or Nicholas Sparks usually cost $8 at the local bookstore. Therefore, it definitely pays off to purchase them here.

5. Reading glasses at Dollar Tree are pretty much the same thing you would find at the supermarket or drugstore, but they have a cheaper price tag.

6. Hair accessories like hair elastics, hair ties, combs, brushes, hair bows, and clips should definitely be on your shopping list – they get the job done for a cheaper price.

7. Sunscreen for a buck seems like a bargain – and it is. Sometimes you might even find smaller bottles of famous brands like Bullfrog that cost a lot more than a dollar at the grocery stores.

8. Pregnancy tests usually cost $8-$12 at the grocery store, so it really pays off to purchase them at Dollar Stores for just $1.

9. Cleaning supplies found at Dollar Tree stores work pretty much the same as the name-brand products. They are just as effective as the pricier stuff you’ll see at the supermarket. With that being said, the next time you see dish soap, bleach, or window cleaner at the dollar store, make sure to grab them and save some money.

10. Tableware and kitchen utensils like mixing bowls, tongs, spatulas, cereal bowls, and plates are sturdy and affordable, so you should be on a lookout for them as well.

11. Shampoo and deodorant at Dollar Tree stores are generic, but contain the same ingredients as expensive, brand-name products. Moreover, sometimes the same company that makes brand name stuff also makes the generic version.

12. Non-perishables and canned food are really cheap at Dollar Tree stores. However, you have to make sure you’ll actually eat everything and avoid purchasing something you don’t necessarily need.

Takeaway Notes

Everyone loves Dollar Tree stores – they are stacked, cheap, and fun! And with the price of $1 or below, you simply can’t go wrong. However, there are still ways to save money at Dollar Tree stores, and if your goal is to increase your savings, you should start applying them.

Make sure to always look for coupons before shopping and use rebate apps to get cash back. It would be best to opt for online shopping as it helps you stay focused and purchase only the things you need. In case you prefer in-store shopping, it would be wise to visit all nearby stores to see what merchandise they have to offer.

You should also join the Value Seekers Club to receive the latest information, coupons and special deals that will give you an advantage and help you save a little more. And finally, always determine the price per unit to see whether you are getting a good deal.

Getting The Most Of The 20 Cents FuelPerks Deal At Giant Eagle #GEFuel17

The 20 cent FuelPerks deal is back at Giant Eagle. If you’re not familiar with it, whenever you spend $50 on select retailer gift cards you earn 20 cents in FuelPerks. That’s 20 cents off per gallon on your next fuel fill up for your vehicle.  The best part is you can earn even more. For instance, if you spend $100 on select retailer gift cards you can actually earn 40 cents FuelPerks, and so on. You need to use your Giant Eagle advantage card to get the deal.

Let me tell you a scenario to get the MOST bang for your buck.  For example, my daughter’s birthday is next month. I know what I’m getting her and I plan on buying it online at Toys R’ US.

  1. I’ll use my favorite rewards credit card to buy a $50 Toys R’ Us gift card at Giant Eagle. That way I’ll earn rewards from my credit card company too.
  2. I’ll make sure I scan my Giant Eagle advantage card while buying the gift cards so I earn my 20 cents FuelPerks.
  3. I’ll take my Toys R’ Us gift card and go through one of my fave cash back sites to shop Toys R’ Us online so I earn cash back when I buy my daughter’s birthday present online.
  4. I also have my Rewards R’ Us card saved in my Toys R’ Us account so I’ll earn reward points for the purchase too!
  5. So in the end I’ll have earned: rewards from my credit card company, 20 cents FuelPerks at Giant Eagle, Cash back through one of my cash back sites, and reward points for Toys R’ US!  Talk about maximizing savings!

Even if you don’t plan on using your gift cards online there are plenty of useful ways to take advantage of the 20 cents FuelPerks at Giant Eagle and your credit card rewards:

  • Buying gift cards for gifts
  • Have a date night planned?  Buy a participating restaurant gift card to earn FuelPerks and credit card rewards for your date night
  • Need hunting gear or sports gear? Buy a gift card to a participating outdoor or sports store to get the gear you need.
  • Kids needs new shoes for the spring/summer? Buy a gift card to your favorite participating footwear store before you shop.

I think you get the idea.  But the 20 cents FuelPerks at Giant Eagle is only available on select retailer gift cards from 2/23/17 – 3/8/2017.  See your store for more details.  Want to locate your nearest Giant Eagle? Check here: http://bit.ly/2kuOG1S

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Amazon Prime Hacks You Probably Didn’t Know

This post originally appeared on the Dealspotr blog. Dealspotr is the most accurate coupon site that pays you to save. I’m @LuvSavingMoney on Dealspotr, use my link to join today and earn 5,000 bonus points.

Amazon Prime Hacks You Probably Didn't Know

Amazon Prime is a subscription-based membership program that offers amazing features and helps customers save a lot of money while shopping. So, if you already do a lot of shopping on Amazon, stop wasting money and become a Prime member!

For an annual fee of $99, members get awesome benefits while shopping for over 20 million items on Amazon. In general, the Prime members get free shipping and digital goods, and access to amazing deals and special promotions. But there are more perks that come with an Amazon Prime membership, and we lay them all out for you here.

1. Free Shipping

The number one reason most people become an Amazon Prime member is to get free shipping on all eligible items. Without Prime, you would have to order at least $35 of eligible items to qualify for free shipping within 4 business days. However, when you become a Prime member, you get access to over 20 million Prime-eligible items.

It’s important to know that Prime members will still have to pay a shipping fee for some items, so always make sure to check whether the item is eligible for free shipping for Prime members. You can do that by looking for a small Prime logo next to the item’s price. If you see it, there will be no shipping costs.

2. Share Your Membership

Prime Members are allowed to share most of their membership perks with household members (up to two adults). This “household member” term is just a phrase and you can actually share your account with anyone as long as you know each other’s birth dates. In addition, you’ll have to link your accounts in an Amazon Household and agree to share payment methods.

The shareable perks include free Prime shipping, exclusive offers and digital benefits, Twitch Prime, and Photos Family Vault.

3. Two-Hour Delivery

Amazon Prime focuses on products that customers need urgently. Prime members from certain cities can get two-hour delivery on some products free of charge, while customers from 14 metro areas are eligible for same-day delivery on more than a million items (on orders over $35).

These essential products include baby wipes, water filters, batteries, last-minute travel items like towels and sunscreen, and many others.

You can use this feature via their website or their Amazon Prime Now app (available for both Android and iOS).

4. Early Lightning Deals

Amazon Prime is built around exclusivity, and members get better terms and perks when accessing Amazon deals.

Therefore, you can get Prime early access to Lightning Deals – a section listing bargain prices on household and kitchen items, electronic products, tools, video games, sporting goods, and more. Lightning Deals are located on the front page of the Amazon Gold Box and are limited in quantity. You have to be quick – these deals disappear as fast as lightning.

With that being said, Amazon Prime members get 30-minute early access to Lightning Deals that enables them to shop before regular old Amazon customers.

5. Shop on the Prime Day

On July 15, 2015, Amazon launched Prime Day to celebrate its 20th birthday. This was a huge promotional event and had more deals than the Black Friday. As a result, all members enjoyed cheap prices and purchased many items.

With such a success, Amazon has decided to keep this special day. Each year they offer better and bigger deals. This event is only available for Prime members, and they can save more money than the cost of their yearly subscription. Make sure to mark your calendars for Prime Day 2017!

6. Unlimited Photo Storage

Another perk of being a Prime member is the unlimited photo storage where you can store all your photographs free of charge. You can upload your pictures through the Amazon Cloud Drive, your web browser, or the Amazon Cloud Drive Photos app (available for iOS and Android).

7. Music Streaming

CDs? No. Everyone streams music these days. And services like Apple Music and Spotify provide an unlimited library of songs for a price of $9.99 per month.

However, all Amazon Prime members will be able to access Amazon Prime Music and enjoy listening to over 2 million songs.  In addition, there is even an Amazon Music app available for both Android and iOS devices.

8. Book Lending

Prime members can borrow free books from the Kindle Owner’s Lending Library for free. There are literally thousands of eBooks available to download to a compatible device that is linked to your Amazon account. In addition, Amazon Prime members can download one free Kindle book per month using Kindle First. They can choose one the following featured books to download before their official release date.

9. TV and Movie Streaming

In the past few years, Amazon made huge investments in streaming movies and TV and became one of Netflix’s biggest rivals. Amazon Prime Video contains thousands of movies and TV shows that the Prime members can access free of charge.

In addition, Amazon started producing their own original series’ that members can stream through the Amazon Video app (available for both Android and iOS), via their website, or through devices such as Fire TV Stick and Fire TV.

You should also know that Amazon offers video-only subscriptions for people who only want access to TV and movies. The video streamlining “membership” costs $8.99 per month — which turns out to be over $100 per year. Its annual price costs more than the entire Prime Membership. Therefore, simply pay $99 a year and enjoy TV and movie streaming perks, along with the other amazing Prime benefits.

10. Free Audible

Prime members also have a free access to short-form audio programming with Audible Channels and a rotating selection of more than 50 audiobooks across 9 Prime-exclusive channels.

The Audible Channel contains a refreshed selection of distinctive comedy, original programs, lectures, and audio editions of news and articles from The New York Times, The Wall Street Journal, Harvard Business Review, McSweeney’s, Charlie Rose, Foreign Affairs, The Onion, etc.

11. Get a Free Month of Prime When Delivery is Late

Amazon is famous for its fast delivery, and they almost never miss a deadline. However, the delivery person is only human. Sometimes there can be a delay, and your item may not come on time. If that occurs, thanks to the Guaranteed Accelerated Delivery policy, you will get a one-month extension on your Prime membership free of charge. To activate this policy, you’ll have to locate your order in “Your Orders,” and report the problem.

12. College Student Perks

The Amazon Student program enables students to get a free 6-month Prime membership. You just need to sign up with your college email address (.edu) and you’ll become a Prime member free of charge. In addition, after the 6-month trial expires, you can purchase an Amazon Prime membership for 50% of the price.

13. Check Fake Reviews

If you are suspicious about a product and think that the reviews are fake (which is becoming a common thing), then make sure to check it via Fakespot . You just have to copy the Amazon link through Fakespot and it will show you a grade of authenticity and quality of the product’s reviews.

14. Use Paribus or Keepa

In the past, Amazon had a policy that enabled customers to get a partial refund when a price drops. However, with this policy out of the picture, it is even more important to start paying attention to prices when they change.

Paribus is an amazing app and a website that keeps track of the price reduction of many online retailers, including Amazon, Walmart, BestBuy, Sephora, Target, and others. Simply put, it scans your email for receipts and tracks the item’s prices. If Paribus discovers that the price went down, it will alert the retailers on your behalf and ask for a refund. And in return, they take a 25% commission off of your refund – which is a fair deal.

Keepa is a modern Amazon Price tracker that has been optimized for Chrome and Firefox. It is efficient, elegant, and easy to use.

15. Subscribe to Washington Post

All Amazon Prime members receive a free six-month digital subscription to the Washington Post and a 60% discount after that. The digital access costs $10 per month, so after free six months, you’ll only pay $4 per month.

16. Save 20% on Diapers

If you are a Prime member you can sign up for Amazon Family to receive a 20% off diaper subscription. This can help parents save a lot of money while purchasing only the best diapers for their loved ones.

Takeaway Notes

If you are a regular Amazon customer, then getting a Prime Membership is a no-brainer. You’ll be eligible for free shipping on most items, enjoy photo storage, music, video, and audio streaming, and many other amazing perks mentioned in this article. And when you become a member, make sure to pay attention to the early Lightning Deals and the Prime Day when you’ll be able to save the most money.

How To Save Money On A Trip To The Bahamas

How To Save Money On A Trip To The Bahamas

Everyone deserves a vacation. The Bahamas is an ideal destination for budget travel. Whether you are

traveling for Spring Break or simply taking a much-needed vacation, here are some money saving tips for

your Bahamas vacation on a budget.

 

Shop Around for Flights

When booking a flight for your Bahamas vacation, allow plenty of time if you want to find the best rate.

Start your flight search up to 6 months in advance for best results. In addition to checking discount travel

sites like Expedia and Kayak for flight rates, be sure to check out smaller airlines like Spirit Airlines. This

ultra-low cost carrier specializes in deeply discounted rates to places throughout Florida, the Caribbean,

South America, Mexico and much more.

Find the Right Hotel Room

Now that you have your flight secured, the next step is to book your accommodations. If you are traveling

solo, use a discount travel site to find an affordable room at one of the many resorts and hotels in the

area. To minimize your food and beverage expenses, try to find a room with a kitchen. This allows you to

purchase and cook your own food if necessary.

If you are traveling with friends, consider using a vacation rental site like VRBO.com (Vacation Rentals by

Owner). Prices start as low as $100 a night for a property that sleeps 5 or more. Properties like the

Westwinds Club, Westwinds II or the Best Western Paradise Island resort all offer full kitchens and top-

notch accommodations.

Have a Food Plan

Food and drink are two of the biggest expenses when traveling away from home. To help minimize the

impact of this expense on your travel budget, plan your meals ahead of time. Sites like FoodStore2GO

allow you to order groceries and have them delivered ahead of time. This can save you valuable vacation

time trying to find and navigate a supermarket nearby. Packing healthy and affordable snacks is also

a great way to stay in shape while traveling. Saving money and staying fit, a two-for- one deal!

Make a schedule of what you plan to eat and drink each day. If there is some wiggle-room in your travel

budget, leave a meal or two for dining out. The rest of your meals should be prepared in your room. Once

you have finished the food schedule, make a list of the groceries you will need. If you do not choose to

have your groceries delivered, make sure you map a nearby grocery store prior to arriving.

Figure Out How to Get Around

Scooters are a popular and affordable mode of transportation in the Bahamas. Before you arrive, call a

scooter rental company and arrange for a scooter to be available at the airport. Scooters rent for as little

as $25 a day, much cheaper than a taxi.

Another option is to take advantage of the local public transportation system. Jitney busses are

available for travel throughout the island at just $1.25 each way. The number 10 will take you from the Western end

of the island to the downtown area. While downtown, be sure to check out hot spots like the famous

Straw Market, the Queen’s Staircase and Marina Village.

That is it! Follow these tips and you are well on your way to enjoying a budget-friendly Bahamas vacation.

 

Logan Peterson is a writer and contributer for USS Sports Machine

7 Black Friday Pitfalls To Avoid With Andrea Woroch

With over 150 million consumers shopping over Black Friday weekend last year, it’s clear the love-to-hate event remains a pinnacle of the holiday shopping season. Whether you plan to boycott Thanksgiving retail openings or line up with other eager shoppers before your turkey has digested, there are several pitfalls you should be aware of before blowing your budget. black-friday-image-andrea

Follow these tips to keep your spending in check and learn how to spot deceptive retail practices.

1. Shopping without a strategy.
Heading to the mall on Black Friday without a list or strategy often results in a devastating blow to your budget. That’s because it’s easy to lose track of your spending as you wander from store to store to check out their sales. Shopping with a list keeps you focused on your gift list and keeps you from making impulse purchases. If you don’t have a large purchase on your list, consider leaving your credit cards at home and only bring cash so you can’t spend a cent more.

2. Allowing big discount claims to influence spending.
Store ads will have you believe that nearly everything will be 50% off or more on Black Friday. Make sure you read the fine print and compare prices, keeping in mind that some retailers will inflate the original price to make that doorbuster sale appear to be a better value than it is. Research prices on popular items ahead of the event and don’t allow big discount claims to influence your spending.

3. Falling for derivative products.
Some products are manufactured specifically for Black Friday and may be missing certain features or key components so the brand can sell it for less. This means you could get stuck with an item that isn’t really what you wanted! Last year’s Roku SE is a great example of a derivative product which was released in mid-November and discounted to $25 to Black Friday shoppers, despite barely being on the shelves for $49.99 prior to the holiday weekend. Research model numbers and compare features to ensure the product isn’t missing key components.

4. Battling crowds on Friday.
Most retailers will be starting Black Friday early and opening their doors on Thanksgiving. JCPenney, for example, is opening at 3pm on Thanksgiving, while Macy’s will welcome customers starting at 5pm that day. However, many Black Friday deals will be available online prior to doors opening, with Kohl’s offering online shoppers access to Black Friday doorbusters as early as Monday, Nov. 21. Consult BFAds.net for scans of Black Friday ads from popular retailers to determine what you can buy online, what you must buy in store, and exactly where you need to be and when so you can schedule your Thanksgiving dinner accordingly.

5. Assuming the sale price is the best price.
With prices advertised at all-time lows, consumers are easily convinced that coupons and other discounts don’t apply. However, it’s important to read the fine print and use a deals’ site like CouponSherpa.com to seek out extra savings. For example, a Bon-Ton coupon will be available for an extra $10 off any item of $10 or more (sale or regular price) for purchases made between 5pm on Thursday and 3pm on Friday, according to Bon-Ton’s Black Friday circular. Same goes for online shoppers, who can score an extra 30% off sale or regular-price items at Michaels during certain periods on Thursday and Friday with promo codes.

6. Failing to mail a rebate.
The sale price of select Black Friday doorbusters can be misleading, since some require mail-in rebates to reach the low price. The $10 price tag on JCPenney’s deal for a Pyrex 8-piece bowl set, for instance, requires a $15 mail-in rebate. That means you’ll pay $25 at the register! With over $500 million in rebates going unclaimed every year, this sales tactic gets shoppers through the door and results in huge profits for stores. Make sure to keep your receipt and the packaging for products that require rebates, and complete and mail the rebate immediately.

7. Blowing your entire budget on Black Friday.
While there are plenty of good deals on Black Friday, there are plenty of bad ones, too. Some items are better to buy on Cyber Monday like clothing and beauty products, and you may find bigger savings closer to Christmas as retailers cut prices further to move merchandise before the holiday passes. Wait for sales later in the season and take advantage of Free Shipping Day on December 16, when up to 2,000 retailers will offer free shipping with no minimum order requirements and other discounts, plus delivery by Christmas Eve.

 

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Andrea Woroch is a money-saving expert who transforms everyday consumers into savvy shoppers by sharing smart spending tips and personal finance advice. As a sought-after media source, she has been featured among such top news outlets as Good Morning America, Today, CNN, Dr. OZ, New York Times, MONEY Magazine, Consumer Reports, Forbes and many more. In addition, Andrea’s stories have been published among leading publications and sites such as Yahoo!, AOL Daily Finance, CNN Money, Huffington Post, LearnVest and New York Daily News. Check out Andrea’s demo reel or visit her website at AndreaWoroch.com for more information about booking an interview or requesting an original written article. You can also follow her on Twitter or Facebook for daily money tips.

For all media inquiries, please contact Andrea Woroch at 970-672-6085 or email andrea@andreaworoch.com.