Last Updated On: May 01, 2015 08:34

Flowers are starting to bloom, the grass is actually green now, the birds are singing – May has arrived! This month brings many things to be excited about: the warmer weather, the beginning of summer activities, graduations, and Mother’s Day.

(“Oh no…I forgot about Mother’s Day…”)

No fear! We’ll help everyone out with a few great (but frugal!) ideas for the mom in your life!

  1.  Make her favorite meal or dessert. The key here: clean up after yourself!
  2. Take over her regular chores for the day (or weekend – there really is no limit here!)
  3. Spend time together with no distractions. Whether it’s a day of shopping, movie watching, or just relaxing, make it just about her. Put your phone away for the day!
  4. If you can’t be there in person to celebrate: write a letter and/or send her a handmade card. All this will cost is cheap supplies for the card, an envelope, and postage. A heartfelt letter can mean more to her than any gift could! If you can, you can also include gift certificates to get a massage or manicure/pedicure.
  5. Make a gift basket of some of her favorite things. With a little bit of searching, Easter supplies can still be found – for a great discount. Grab one of those colorful baskets and then fill it with her favorite things. Dollar stores come in handy with their huge selections of lotions, candles, nail polishes, and all other sorts of pampering materials. Grab a selection and a cute card, and you’ve got an affordable gift she’ll love!

Bookmark and Share Filed Under: Saving Money
Last Updated On: April 01, 2015 10:15

Now that we’ve entered April, Tax Day is quickly approaching. If you haven’t filed your tax return yet, NOW is the time to get the process rolling!

First, make sure you have all the forms you need. If you don’t, start tracking them down immediately so you still have a little bit of time to file your taxes.
Second, find your preferred way to file. If you have questions on whether you should file online or find a tax professional, check out our recent post here. Keep in mind that filing online, or electronically, is a faster process.
Third, double check everything! Last minute preparation may make you rush and could cause simple errors to occur. Take the time to make sure everything is correct before you submit.
Lastly, consider filing for an extension. Be aware that an extension only allows you additional time to complete your filing; it does not extend the date your taxes are due if you owe additional taxes. It’s better to complete filing your taxes and enter into a payment plan, if you can, instead of not completing your tax return and risking a penalty fee.

For more information and tips for filing taxes, make sure to visit www.irs.gov or visit your tax professional.

Now that you have these tips – get busy and remember how stressful last-minute filing is so you can try not to procrastinate again next year!

Last Updated On: March 16, 2015 10:18

St. Patrick’s Day is here and it’s got us thinking of all things green
...grass (it might actually be green soon!)

…drinks and beer (especially today!)
…and money (our favorite topic!)


While we’re thinking of all this green, here’s a few simple ways to help you save some of yours!

  • Cut back on dining out
    -It all adds up! Make going out to restaurants a special occasion, not just every day for lunch or multiple suppers a week out. Pack lunches or make supper at home; not only does it save money, it’s usually healthier for you, too!
  • Stop those expensive, bad-for-you habits
    -We understand that some things are just a harder to cut back on than others, especially our bad habits that we may have including smoking and excessive drinking. Save some money and cut back!
  • Shop secondhand
    -Visiting either rummage sales or discount, second-hand apparel stores is a great way to not spend as much on your attire. It is getting to be quite the norm for great, still in great condition clothes to find their ways into these stores – and at quite a discount from what you’d pay new.
  • Start couponing
    -When shopping, use coupons, store fliers and emails, and special discount days to your advantage. Just don’t buy items you don’t need!
  • Public Transportation
    -When you can and where it’s available, take public transportation like buses. Another way to save on those high vehicle and fueling costs is to dig that old bike out of the shed or just walk to your destinations.

With these simple tips that you can start today, you’ll be saving more of your green before you know it!

Have a safe and happy St. Patrick’s Day from all of us at CreditSoup!

Bookmark and Share Filed Under: Saving Money
Last Updated On: February 26, 2015 10:39

There’s nothing quite like the awful feeling of going to the grocery store, picking up all your necessities, getting to the register, quickly realizing this was no cheap trip…and then remembering you’ll have to do it all again next week. We feel your pain; so here are a few quick tips to hopefully reduce your grocery bill each trip!

  • Make Lists
    -Don’t go into the grocery store without a plan! Keep yourself to only what you have on your list. You’ll find that you spend much less than when you just start browsing the aisles.
  • Eat before you shop
    -Nothing is more tempting than going grocery shopping on a
    n empty stomach – everything looks good! Eat a good meal before you go shopping; it could prevent you from those impulse purchases.
  • Couponing
    -The key with couponing is to not go overboard. They can be appealing, but there is no need to buy something you really don’t need – just because you have a coupon. It’s really not a deal if you buy something that’s $2 off when you wouldn’t have bought it in the first place.  
  • Generics
    -Generics or store brands are much, much cheaper than the name brand items, and are usually just as good!
  • Use your calculator
    -Grab your cellphone and figure out if the bigger packaged items really are a better deal than the smaller boxes. It may just be a few cents different, but it all adds up!

Hopefully these few tips can help you save a little dough on your next grocery store outing!

Bookmark and Share Filed Under: Saving Money
Last Updated On: February 03, 2015 10:50

Consumers, tax season is upon us. Are you still trying to decide whether to file your taxes yourself or to visit a professional? Here’s our quick guidelines to help you make the decision and get your taxes done before April 15th!


Filing On Your Own
We suggest filing online if you:

  • Have no investments, you don’t own a business, have a simple return, or have no major changes since the last time you filed

Options: Some great online options include TurboTax, FreeTaxUSA, eSmart Tax, TaxACT, or H&R Block.


Going to a Pro
We suggest finding a tax professional if you:

  • Have recently gone through some big life changes, such as you bought/sold a home, cashed out investments, got married/divorced, or are expecting a more complex return with your situation

Options: Reach out in your community to find the tax professional your friends, family, or coworkers trust with their taxes.


Just remember that each option has its own pros and cons, but it all comes down to what you are most comfortable with when it comes to your taxes. Happy Tax Season! 

 

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Disclaimer

Information in these articles is brought to you by CreditSoup.com.  Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

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