How Extreme Couponing Can Save You Hundreds on Your Grocery Bill

What if you can save hundreds or even thousands each month on your grocery bill?

Extreme couponing is one way to increase your cash flow dramatically. It’s the best way to cut down your grocery bill and pay off debt faster. But how do you know if extreme couponing is right for you? There are plenty of ways to cut costs and speed up your money management, but one way that doesn’t get talked about a lot is Extreme Couponing. Extreme couponing is a tactic used by people to increase the value of their coupons dramatically.

How to save money by extreme-couponing your groceries

An extreme couponer is just a patient person who is willing to work through trial and error to learn how to maximize their savings. Extreme couponers use store policies to their advantage. They know how to stack coupons on BOGO sales, and different stores have different deals and restrictions. Extreme couponers are always familiar with the current sales because they love saving money.

  1. Collect Coupon Values, Deals, And Discount Codes

Coupons are like cash. To maximize savings, collect various coupons, like percent-off coupons, cash rebates, and manufacturer coupons. Then, mix and match them when shopping to get the maximum amount of savings.

Places You Can Get Coupons:

  • Watching Sales Ads.
  • Joining Loyalty Programs like Publix, Wegmans, Meijer.
  • Checking Online Coupons Website like Coupons.com, Lozo, RetailMeNot.
  • Mobile Coupons Apps.
  • Manufacturers Coupons
  • Getting from Groceries Stores.
  1. Get Organized for Less Money

Coupon organization is essential if you want to save a lot of money on groceries. It’s a good idea to learn all you can at first. Don’t try so many different strategies that you don’t understand how anything works well enough to apply it successfully. Just choose one way to organize your coupons that you feel comfortable with and make sure that you’ll stick to it.

How To Get Your Coupons Organised:

  • Using a Coupon Binder
  • Making use of a Digital Coupon Storage
  1. Go Shopping And Save

The first time you go extreme couponing, you’ll want to stick with small deals, so that you’re not overwhelmed by the process. Once you’ve become familiar with the process, you’ll be able to start using multiple coupons per trip.

Here are some suggestions of things that you can do to prepare for extreme couponing:

  • Check Coupon Store Policies
  • Set Price Limits
  • Stack your Coupons
  1. Storing your coupons on a budget

When you’re a beginner at couponing, it can be tempting to buy the latest and greatest gadget just because it’s on sale. But if you keep putting off buying something that will serve as a permanent addition to your collection, you’ll be regretting it one day soon. So save your pennies (and occasionally cents) and make a purposeful investment in yourself as you learn about the values of savings and debt.

Final Words

There is no shortcut. It will take a lot of time and effort to learn how to do extreme couponing well. However, you can use the money you save to pay off debts, spend more time at home, start investing, etc.

Also, the nature of extreme coupons generally means that you will be accumulating a lot of daily necessities and food. This means that you can use your powerful skills with newly discovered coupons to benefit others by donating to charities such as local food banks, women’s and homeless shelters, and animal shelters.

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Budget Friendly Christmas Gift Ideas

With the holiday season approaching rapidly this year, the pressure is to find the perfect gift for someone at a reasonable price. Unfortunately, with the economy being the way it is these days, families are pretty much on a budget with their gifts. This article is all about budget gift ideas that you could get for your loved ones. It’s a very cool little list that would make it easier to plan your holiday shopping this year. I hope you enjoy it.

Here are some fantastic gifts from budget-friendly places.

  1. Zum Bag Assorted Blends

The Zum Assorted Blend Bag is one of the best holiday gift ideas to give if you are looking to get many Zum products in one go! This fabulous bag includes travel size and TSA-compliant assorted blends of mini Zum Oil, Body, Mist, Wash, Kiss Stick, Tub, Bars, and Rub.

  1. Plant Therapy Holiday Season Synergy Blend

Nothing conjures up warm memories of the holidays like certain familiar smells. These aromas evoke traditions and create a festive mood. This holiday season essential oil blend is made with 100% pure plant oils and can be diffused all over the home to spread holiday cheer or used for homemade festive holiday gifts such potpourri as or wax melts.

  1. Zum Yule Goat’s Milk Soap Bar Spiced Almond

If you’re surveying an exceptional gift for the ones you love, try Zum Spiced Almond Zum Yule Bar Soap. This hand & body soap is handcrafted with essential oils and goat’s milk. It brings holiday vibe sweetly sweeten things with a big blast of audacity from all-out almond plus a smidge of clove & fir-needle.

  1. Aloha Bay Holiday Spice Coconut Wax Candle

If you’re searching for some ideas for your next holiday or in preparation for the upcoming holiday season, here are some ideas to get you started. Aloha Bay Holiday Spice Coconut Wax Candle These delicious little pieces look like little holiday favors. These adorable small pieces will warm your heart when you open them and are sure to bring a smile to your face. They’re filled with natural spices that are sure to get your wife, husband, or best friend hooked. They’re great for adding to your morning ritual or taking on a casual afternoon stroll with friends. They’re also delicious enough to leave an impression on people who may not usually enjoy sweet treats.

  1. Earth Mama Organics (A Little Something for Mama-To-Be Organic Gift Set)

A little something for moms and mama’s is always appreciated on the anniversary or holiday seasons. Earth Mama Organic Gift Set is a five-piece set that includes travel sizes of the following: Ginger Fresh Deodorant, Morning Wellness Castile Body Wash, Belly Butter, and Belly Oil in a reusable, non-toxic, zero-PVC plastic zipper pouch.

When you’re matched with the perfect present, it feels like a dream come true. You can’t stop smiling and are in endless joy. Why is that? Because you have found someone who puts their needs first and wants to make you happy. The present doesn’t have to be expensive, and it shouldn’t require some hard pulls on your heartstrings. Finding the perfect gift for someone is all about giving happiness without strings attached and expecting nothing in return.

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What is America’s Debt Ceiling?

Have you ever wondered what America’s Debt Ceiling is? Have you wondered why the debt ceiling has been raised so many times in the past? If you have, then you’re not alone. With the news media covering America’s debt ceiling on an hourly basis, it’s no wonder we’re wondering what exactly it is.

America’s debt ceiling is a limit set by Congress on how much money the federal government can borrow. America’s debt ceiling limits total government debt that the United States can assume, assuming current policies remain unchanged. This amount has been rising steadily since World War II and has reached 16 trillion dollars equivalent in January 2011. According to a nonpartisan Tax Policy Center study, nearly 40 percent of Americans (47.3 million people) have some debt, with average annual payments exceeding 50 percent of their income in 2009. Yet, taxpayers across all income groups have experienced little change in their share of total outstanding taxes over time.

According to a new study, Americans owe more on their credit cards than they owe on their houses, cars, and other items of personal value. In addition, the average American carries debt for nearly all private expenditures except retirement payments, student loans, and medical bills.

America’s debt is rapidly approaching the ceiling, and Congress must decide if they will raise it and by how much.

What happens if we default on our debts?

How is America’s debt ceiling problem affecting you? Amazingly, the debt ceiling debate doesn’t affect Americans who already have debts. Instead, it affects everyone who will be paying off their debt in the future. This means that your credit score might be affected, but it won’t be due to the impact of your debt on the economy. Instead, it will be a traditional — and highly unattractive — factor that may delay your economic recovery.

There are many dire consequences of defaulting on your US or federal debt. You could lose your car, your home, your Social Security benefits, and even your job. The good news is that you only default once. However, once we begin to default, we enter into a period known as ‘default tourism.’ This is where people from all over the world rush to have a chance at getting their debts forgiven by the US government or by a court before we pay them off.

What happens if our creditors decide that it is no longer profitable to pay us what we owe them? The United States has a highly punitive debt ceiling. If the government doesn’t cut its budget, it will default on its debts and cause a panic that could cause a recession. What happens if the United States goes over the debt ceiling? The consequences could be enormous economic hardship on a scale not seen since the Depression.

One of the most effective ways to fight the national debt is to make it harder for the United States to borrow more money. We recommend that Americans resist the temptation to engage in “borrowing for the sake of borrowing” as a way of life. Instead, we should be focused on creating new opportunities and investing in ways that create jobs and limit our obligations. This will ensure that existing revenue streams are not used to create more debt and leave future generations with greater levels of debt.

Other options for dealing with America’s debt ceiling — all of them bad. First, we could increase taxes on wealthier households; second, reduce spending on programs that don’t help people who need it (healthcare, education, etc.); and third, increase taxes.

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TIPS ON SAVING MONEY

Money is an essential part of our everyday lives as it helps us buy or purchase items we need and want such as food, clothes, property, medications, electronics. It also aids us further our education. With that been said, it is important to save money for us not to run short of it preventing us from obtaining the various things it can get us. However, there are so many ways that have been provided for us to help us save  money and these include:

1.MAKING A BUDGET

It is primarily important to have a budget when saving. This helps us prioritize level of spending allowing you to strike a balance between your spending and saving level throughout the year.

You can keep tabs on your spending by regularly checking your credit card statements, bills, bank statements, and receipts. It is very important to notice if you’re spending more than you earn as that could be a problem. Once you notice this is happening, you should know that it’s time to cut back on some excesses. While making a budget it is very important to needs before wants and sees the need to cut back on some excess wants in order to save money. It is also advisable to renew or update your budget list at least once a year or as frequently as you can depending on the crucial change in circumstances. For example, losing a job or having a baby.

2.TRACKING YOUR SPENDING

Spending money on a lot of little things can do as much damage as spending money on big things. Both have their costly effect on your finances and this can get you into money trouble. Because of this, it is therefore essential for you to keep a day to day track on your spending in order for you not to go beyond what you earn. You bank statements help you keep tabs on your spending by telling you how much money comes in and goes out of your bank account. With this information, you can then compare it with your budget so you would know whether you’re going off track or not. You can then know or identify where you can cut down on your excesses and then save.

4.OPENING A SAVINGS ACCOUNT

A savings account is an account where you can put all the amount of left over income after paying necessary personal things such as taxes. A savings account helps you to curtail any unnecessary spending or any temptation to spend out of your budget. By restricting access to your money, savings account can give you a higher interest rate than a basic transaction account.

5.CONTROLLING YOUR IMPULSES

Technology has made it very easy for you to go into excessive spending these days providing us with credit cards, ATMs and online shopping. This gives room for you to spend more on your wants rather than your needs. It makes it very easy for you to yield to temptations and reducing the ability to show self-control. Having a constant show of self-control or self-discipline when spending gives you room to save more as you wouldn’t see the need to spend excessively on wants especially rather than needs. Whenever you feel the need to spend more on wants, it is advisable for you to to wait at least a day or two before you buy it. This might help the urge disappear.

These are essential and very helpful ways to help you save money at any given time.

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UPDATE ON TRUMP ORGANIZATION’S ALLEGED TAX CRIMES

Donald Trump, the former president of the United States, has been charged with several crimes related to tax. 

The 73-year-old Allen Weisselberg changed himself to the authorities in New York from Thursday. He got charged later with about one point seven million worth of income. 

The prosecutors state that the fifteen-year, very long scheme has helped executives evade the taxes entirely by giving good benefits. These benefits include school fees and rent. These were all hidden from the authorities. 

Donald Trump’s lawyers and people like Mr. Weisselberg begged for Trump. They begged that he wasn’t guilty of any sort or type of tax fraud. 

There wasn’t any form or type of charge which was brought personally to Trump. No one but prosecutors stated that the very old president signed some cheques at the midpoints of cases. 

The entire organization of Trump was a complete family holding firm that generally owned hotels and some other properties of sorts. 

The organization of Trump was a family holding company that owned other properties, golf clubs, and hotels. These were the cornerstone of the globally owned brands, which compiled various book deals. These included Trump TV shows and skyscrapers. 

These criminal charges were one of the first to rise from very long investigations. They also reached into fraud which Trump and his attorneys still claimed he didn’t do. 

The former president ordered everyone to hand out lots of tax returns to the prosecutors. 

What happened to New York after it was said that he committed Tax Crimes? 

New York was one of the latest people to cut all business ties with the former president. 

It was inquired by the District Attorney, also known as Attorney Cyrus Vance, that he focused on things like if Mr. Weisselberg and various other executives of the company got several benefits which included leased cars and apartment rentals without sending them properly through their tax returns. 

These charges got announced on Thursday, and they included falsifying business records and tax fraud. 

What Went Down at the Hearing 

From the Manhattan Criminal Court, the hearing’s prosecutor, known as Carey Dunne, stated that this was an audacious and sweeping scheme involving all of the book’s payments types. 

Several senior executives that benefitted themselves and the company later ended up getting pay raises in secret at the expense of federal and state taxpayers.

Mr. Weisselberg stated he was fully prepared to face and fight all of these challenges in court whenever they come. 

Everything wasn’t about politics

Donald Trump and all of his allies stated that the investigations were nothing but motivated politically. This indictment got served when Mr. Trump discussed a comeback that might occur in 2024 as the president of the United States. 

Donald Trump publicly announced that the witch hunt that occurred politically by the democrats with places like New York was now entirely with the assignment. We feel Trump wants to do everything he can to get back to power. Let’s just watch and see how it all plays out.

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HOW TO ACCESS THE IRS CHILD TAX CREDITS

A few months ago, Congress passed a COVID stimulus plan which entails that any parent with a child under the age of 17, may be qualified for a child tax credit from the IRS. Credit will usually come in form of a direct deposit for a lot of people but the IRS provides tools that can be used online for other people.

The IRS states that, people  who did not file for tax return for 2019 or the year 2020 and those who also did not use the IRS Non-filer tool 2020 to register for Economic Impact Payments, are qualified to use this tool. This tool will allow them to give their needed information details, their qualifying children’s age which is 17 and under, and their direct deposit bank information to make it easier and faster for the IRS to deposit the payments directly into their savings account.

The moment the IRS processes their 2019 or 2020 tax returns, eligibility for advance payments  will be determined by the details or information provided.

In order for families to earn tax credits and other tax benefits, they should avoid using this tool.

Filing for a regular tax return should be their better option.

Here are some other things you need to know:

  • The American Rescue Plan Act, which was legislated in March, expanded and provided a newly-advanceable child tax credit.
  • The IRS usually calculates a person’s payment based on his or her tax returns which includes those individuals who use the Non-filer Sign up tool. The IRS will normally determine the initial amount of payment using the information or details entered using the Non-filer tool that was available last year (2020) if the return has not yet been filed or is still processing.
  • Each child under the age of 6 will be issued a payment up to $300 every month and a payment of up to $250 every month will be issued for each child from the age of 6 through 17.
  • These payments will be issued by direct deposit by the IRS so far as the information or details provided to the IRS is correct.

A lot of families are already signed up for the child tax credits. Whether you signed up or registered with the Non-filer tool in 2020, or you’ve filed for 2019 or 2020 tax returns, you will for sure get the monthly child tax credit automatically without having to sign up or take any other action. In addition to this process, individuals are also eligible to application for recovery rebate credit, also known as stimulus payment. Having at least one qualifying child, earning less than $24,800 as a married couple, you are allowed to use the Non-filer sign up tool provided by the IRS in order to get the child tax credit and get missing stimulus payments.

The list of things needed for you to complete this process include:

  • You are required to have or obtain Social Security numbers for your child or children. And also for you and your spouse.
  • A reliable mailing address is also required
  • You also need an E-mail address
  • Your bank account information or details should be given correctly if you are receiving your payment using direct deposit.
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What is the Main Goal in Creating the Federal Budget?

Hello there, today I’ll be talking about the main reason the Federal budget was created. Without wasting much time, let’s roll. 

Why was the Federal Budget Created? 

The United States Constitution, the First Article’s 7th section, has congress the power to spend and raise revenue. There were about three ejected officials who presented the voters’ will. Those do not stay in offices. Congress needs to agree on where, when, and how the burden of the tax falls. It also needed to decide who received the spending benefit. This budget puts in very hard numbers on where the priorities were. The entire budget allocated funding specifically for each program and its department. 

The process of budgeting made sure every congress’s voice was heard. These provided great debating opportunities. Whenever Federal Government’s budget is followed according to plan, the entire government runs smoothly without little or no problems at hand. 

What would go wrong if the Federal Budget is not Followed 

You don’t want to run your nation like a low-income developing country, trust me. Since the year 2010, congress has followed the national federal budget only twice. Some experts argued that this budget is not workable and cannot be followed no matter how they tried. At first, they shifted the budgetary leadership burden to congress. It was not workable because the burden was too high, and congress had many other things it was handling. The congress body was not structured enough to handle a leadership role.

Secondly, it demanded coordination levels which congress was not created to catch up or meet up with. 

Third, it created deadlines that were impossible, not realistic, fake, and unattainable. 

The events which came forth from the elections at mid-term in the year 2010 supported that argument. The republicans were winners in the house as a result of the tea party movement. Democrats controlled the presidency and the senate. These republicans did not want to support the budgets, as stated by Obama. This forgot about the process of making use of the federal budget. There they used the budget as a bargaining chip to achieve all of their goals. 

My thoughts on the Main Goal in Creating the Federal Budget?

After learning what happens in low-income developing countries, I have realized that nations don’t need to create or use federal government budgets. These budgets are completely unnecessary. There should be bodies, like assigned bodies, who have roles in various ways that could help the society, the communities, states, and the country as a whole. There are different parts of the country, am I right. Why should a federal budget be created to govern and rule the entire nation? What is then the purpose of the president or the governors or the members of congress? Let’s not forget about the senators. What also happens to people, individually and specifically. What happens when the budget doesn’t touch them, and they suffer from a lack of food or clean water. Stable sources of governance are needed instead of using the federal budget, please.

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Why Do I Owe Federal Taxes?

This is a question asked by practically every American. Like why do you owe federal taxes? What did I do? Who did I wrong? Well, this article might answer this serious question. Let me give it a go, shall I? 

What are the reasons I’m told I owe Federal Taxes? 

Whenever you finish handling the tax returns, and you don’t understand why you need to send a cheque to the IRS, one of the only explanations is that you didn’t pay them completely the amount you owed them. The amount of tax you paid during the year was more than the actual amount you paid or the amount of your income level. This is why whenever you think you’re done, it always shocks you, and you wonder, “Why do I still Owe Federal Taxes.”

Other ways you might still owe federal taxes 

Starting in 2018, different exemptions occurred dependently on others, and they were not taken from your income. 

If you work for a firm, company, or organization, the IRS would need your employer to hold some of your salary used to pay your taxes. The number of funds held would depend on different factors. You have a lot of control over the number of funds that are collected from your pay. The W-4 form you filled when your job started allows you to modify how much tax you have from your paychecks. The essential news is that you could always fill out a brand new form whenever you desire. You could increase the amount taken from your income. This would help get rid of that nasty tax bill that accrues at the end of the year. 

If you are not familiar with what the W-4 form is all about, you need to understand the way allowances work before you go and make some adjustments. All allowance you report represents various reductions in your taxable income. Some of these include exemptions dependent on your amount of tax through periods before the year 2018. As you try to get your tax returned, more allowances reported on your form would state that a lower amount of tax has been held from your paycheck. If you report for a higher amount of allowances on your W-4, there are several dependents obtained from your tax return. You could later write a check whenever the IRS comes over in the future. This is simply an example. 

Several different scenarios using the W-4 calculator could test these using calculator available at TurboTax.com. 

My thoughts on the reasons you owe Federal Taxes 

Where I come from, we don’t have the normal tax-paying system. All tax forms are added to every and anything we purchase. It doesn’t matter what you purchase. You could purchase food seasoning, a bucket, a broom, and it wouldn’t matter. You still end up paying tax on that product. It is not fair, but this is the world we live in. We need to pay up and let it go.

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What are Federal Block Grants?

Today I’ll be talking about federal block grants. But what are these federal block grants? Do you have any idea what they are or their use, or why the government created something like this in the first place? If you don’t, I’m here to talk about it and explain a thing or two to you. Are you ready? Let’s ride. 

Federal Block Grants Definition 

A federal block grand refers to a grant which aids different local governments or individual states from the United States. These grants are available to help in support of a variety of purpose programs. These programs include community development, public health, and social services, law enforcement. These block grants have a lower level of oversight from the federal government. They provide a high level of flexibility in different states. Especially when it comes to implementing and designing different programs, these general revenue, definite, and block grants are the three types of federal government grants which aid different programs. 

All through the block grant program provided by Medicaid, a state would get some money from the federal government. These block grants could be organized based on per capita or from the state’s needs. These states need to fill any or every funding gap if there is to be any difference between their spending and the level spent by the government of the United States of America. 

These block grants remain a debated topic in the U.S. The 2014 CRS (Congressional Research Service) has advocated and changed Medicaid to a block grant. It has also stated that these block grants help reduce the federal deficit, aids in increasing the rate of efficiency by the government, help in the redistribution of power, allow flexibility, and increase the rate of accountability. 

Different critics specifically are against changing Medicaid to a block grant. 

Why do these Critics fight against converting Medicaid to a block grant? 

These critics are wits and win against Medicaid becoming a block grant because it doesn’t profess the national government’s objectives. It doesn’t publicly announce what the government is doing to help citizens in the country. It also reduces the rate of government spending on domestic issues, for example. Vulnerable seniors or citizens suffering from disabilities and children with parents with a low income could lose all available access to health care because of the deep cuts that could go through Medicaid. Their critics state that as a result of these block grants, they remain decentralized. Because of this, it is quite challenging to measure the performance of block grants and hold local and state government officials accountable for all of their decisions. 

In the end, you now know what these federal block grants are. You also know the kinds of arguments that go around the white house. Citizens are living in the U.S are going through hell. It isn’t all rainbows and sunshine there. Here’s to hoping for the best and wishing the nation would do what is right. 

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What’s a Ponzi Scheme? (And Other Financial Scams to Avoid)

avoid-ponzi-scheme

Financial scams have only gotten more subtle in the last decades. The most popular examples – the Ponzi scheme and the Pyramid scheme are still happening to date. This is because fraudsters find new ways to keep these fraudulent schemes afloat even when they’re against the law. In this article, we’ll be talking about Ponzi schemes and providing a list of financial scams to avoid at all costs.

A Ponzi scheme is a fraud that often proposes an investment opportunity. They offer unrealistic promises and ROIs (return on investments) within a short time by paying earlier investors with the money from more recent investors. This scheme will often masquerade as a business opportunity for some hidden, untapped well of gold. They will often act as though there is legitimacy and actual business activities going on; however, all the funds are most likely funds received from unknowing investors.

A Pyramid scheme is also a financial scam to avoid. This scheme is quite similar to the Ponzi scheme, except there is the presence of products. A pyramid scheme is a model of business that masquerades as a business with a distributorship program. The real profit, however, comes from convincing other people to register and pay to become distributors themselves.

Some other Financial Scams to Avoid

  1. Advance Fee Schemes – This occurs when a person promises to give you a product of greater value worth more than the funds you will provide. They often end up paying little to nothing in return to the victim.
  1. Charity and Disaster Fraud – In times like these, many fraudsters are masquerading as charity companies. It is important to only donate to credible sources.
  1. Counterfeit Prescription Drugs – Under-the-counter drug sales are often fraudulent, with either the victim being scammed or the drug is hazardous and unsafe.
  1. Credit Card Fraud – This is when a credit card is used without permission. Unauthorized use of debit/credit cards has been used to steal money, assets, and even property.
  1. Illegal Sports Betting – Illegal sports betting happens at underground clubs or events where a lot of money is placed on the results of sporting events. Because these events are so secretive, there is little to no official security which makes it dangerous.
  1. Internet Auction Fraud – Internet auctions can be extremely fraudulent. If you are not sure of the source and the product, it is better to avoid them.
  1. Investment Frauds – Investment frauds are quite similar to Ponzi schemes; however, they can come in several forms. If you’re being coerced into an investment, ensure that the claims being made are true and not false.
  1. Money Mules – A money mule is someone who moves money, usually physically or via internet banking, from one person to another. If the money is stolen or gotten via fraudulent activities, being a money mule can be a criminal offense. If a person you hardly know asks you to hold a large amount of money for them, always ask questions.

The FBI has compiled a list of common scams and crimes to be aware of. If you would like to read the full list, please click here.

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