Deal of the Day May 16, 2008

I bought a pair of OshKosh B’Gosh shorts for my son when he was just a few months old. I loved them so much I had him wear them to his 1st birthday party (they were a little big, bot not overly so). He’ll be 4 in July and not only do they still fit (but not for much longer), they are in almost new condition.

OshKosh B’Gosh has some great deals this week! They’re offering 70% off during their Summer Blowout Sale. They’re offering a printable coupon for 20% off a $50 purchase through May 21, 2008.

You can also get a $10 off $25 Play Card with each $25 purchase through May 21, 2008.

Have fun shopping!

Check back tomorrow for another great deal!

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The Best Financial Move I Made in College

Nobody tagged me for this meme (I don’t think!) , but plonkee started it. I’ve read many other’ ‘posts and decided to do my own. So I tag me, and if you want to participate, go tag yourself! Or, leave your story in comments.

Deciding to attend community college wasn’t only the best financial decision of my college career, it was one of the best life decisions I ever made.

After 13 years of public school I was burned out. I’d done the AP classes and the Drill team and DECA and Clique Avoidance and I was very much over all of it. I really didn’t want to attend college at all, but I knew that not only was a degree almost essential for success (and it really seemed that way in the 80’s) I actually wanted a degree. I just soooo didn’t want to go have to attend class to get it.

Then my Dad invited me to come to Florida and go to the local community college, aka Beer Can College. It was an opportunity to get to know my Dad better, attend a few classes and hit the beach. Dad was willing to foot the bill for my classes and my living expenses (he’d promised to rent me an apartment). It was a complete no-brainer.

At first it did not look like the best decision I’d ever made. First, I moved away from all of my friends and a life I was used to. I went from having a full social life to barely knowing a soul. Also, I did not get along with my stepmother. At all. I was living with them until we found an apartment for me (something that never came to fruition, by the way), and every day my stomach clenched as I drove up to the house.

And I was just not into school. At all. I spent two years going full time and only amassed ten credits. Ten. I never failed anything - in fact I had three A’s and one B. I simply lost interest and dropped classes constantly. Dad was paying, and I just wasn’t invested.

Then in the fall semester of my third year at Beer Can College a friend went on a student orientation to Florida State University and invited me along. I loved it. I wanted to go. But with only ten credits it wasn’t going to happen anytime soon.

The next week I had a session with my guidance counselor. She showed me how I could earn 55 credits and make it happen to go to FSU at the end of the coming summer. It would involve taking lots of classes in regular session and through both summer sessions, and finding ways to “clep out” of others (getting college credit for real life experience). She got my attention.

Suddenly I was a woman on a mission. I had a direction. I was excited and committed. I started paying for my own school, making a financial investment in my own future, though I did still live at my Dad’s.

I earned fifty-five credits that year, and got only one “B”. I didn’t ‘walk’ graduation, as I took classes up until the week before I left for FSU.

But I graduated Beer Can College Summa Cum Laude. And I was awarded a scholarship that covered all but $75 of my tuition per semester at FSU. My Dad paid my rent, gas, insurance and books, but I worked part time to pay everything else - food, phone, cable, water, electricity, entertainment, etc. I had to learn to budget and make my money last. This was really the start of my frugal ways. And by getting my AA at a community college I saved about 75% on tuition (versus FSU if I had gone there my first two years).

And I graduated without a penny in student loans.

If I hadn’t chosen to go to community college I’m not sure I would have gone to college at all, and I likely would have never completed my degree. But I did complete my degree, Cum Laude (it would have been Magna Cum Laude if FSU counted my Beer Can College grades in the ranking process), and that piece of paper is one of the most important pieces of paper I will ever own.

And in case you were wondering, my social life did improve. The people I met at Beer Can College are my best friends to this day, some 25 years later. One was the best man at our wedding, another is godfather to Son.

And I met Husband there. He was one of those best friends, though we would not date until many years later, and only married less than six years ago.

And since I stay home with Son and Husband supports us completely, I’m thinking you’ll agree that going to community college first was one of the best financial, and life decisions I’ve made to date.

Deal of the Day May 15, 2008

You deserve a break today…

Today you can have a free breakfast and a free lunch on McDonald’s. During breakfast hours on Thursday, May 15, 20008 they’re giving away a free Southern Style Chicken Biscuit with the purchase of any medium or large drink. Head back at lunch time for a free Southern Style Chicken Sandwich with the purchase of a medium or large drink also. Valid on 05/15/2008 only.

Just please don’t go back for dinner…

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A Little Something is Poison to Emotional Spenders

Emotional spenders beware! There’s a newish website whose gimmick is designed to separate you from your money.

If you send The Something Store $10 they will send you…something. Something random. It could be a wallet or a fruit basket or a hair trimmer or a wallet.

Blink.

You send them $10 of your hard earned money, and in return what you get is “maybe something you need, something you want or something you desire.”

Ohhhhhhhhhhhhhh. Clutter!

Why, why would anyone do this? Why would anyone spend their hard-earned money on this? Are there people that lonely, that frivolous, that bored, that wasteful with their money?

Yes. They are emotional spenders. People who spend money so that they will feel fill in the blank. Happy, loved, worthy, stimulated… there are many reasons emotional spenders spend. And there are a brazilian things emotional spenders spend their money on.

This particular venue gears their marketing message directly to the emotional spender. “How will you feel when your receive your something? ” they ask on their website.Get Your Something and find out!”

Blech.

I can think of a thousand things for which I’d be much better off using my $10. Can’t you?

Deal of the Day May 14, 2008

My best friend Carol Lee will like this one.

Petite Sophisticate is running a great sale.  All regular price merchandise is cut by 40%. For even more savings, take a look at the clearance section where all items are reduced by an additional 50%. Offer ends 05/19/2008.

Check back tomorrow for another great deal!

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The Dot Makes Its Debut

WARNING: I advise all men to STOP READING NOW. This topic will not interest you at all. Trust me. I’ll try to write about football or jock itch or something equally manly tomorrow…

Lotus at Sarcastic Mom wrote a very funny post that I had no choice but to read after seeing the title: When I hated both my vagina and my mom, simultaneously. Go ahead, you know you’re going to click…

I started to comment about my own story, but as we all know how long-winded I am (and how in much in need of a post) here you go:

My sister was one of those crazy girls who was happy. She was so thrilled she called my Dad, “Daddy! I’m a WOMAN!”. Dad says my stepmother handed him a drink and a chair before she’d let him hear the news. Both were apparently needed.

I, on the other hand, had the proper please-just-let-the-earth-open-up-and-swallow me reaction. I didn’t think thoughts of, “I am now a WOMAN! Hear me roar!!!” I had thoughts of, “I’m going to feel like THIS every month for the next 40 years? And I can’t go swimming (in those days that was the prevailing wisdom)?!?!? This sucks!!!!!!!!!!”

When my Mom suggested I call my Dad I declined with all of the thirteen-year-old newly hormonal disgust I could convey. My Dad tells me he wondered when he didn’t get a phone call, so he checked with my sister when I was seventeen to make sure it had indeed arrived. He asked her instead of me to save me the embarrassment.

Thank G-d.

I won’t have to go through this with Son, thank goodness.

But, then again, there’s nocturnal emissions.

Oy.

Deal of the Day May 13, 2008

I have two for you today.

Deal 1:

I’m not much of a coffee drinker, but Dunkin’ Donuts coffee is the exception. Before I retired to stay at home with my son I’d go to DD every day to get me some yum. I think I’ll find myself there this Thursday…

On Thursday, May 15 Dunkin’ Donuts will be giving away FREE iced coffee. You can receive the free 16 oz regular or Berry Berry iced coffees from 10 am to 10 pm.

Dunkin’ Donuts is also partnering with the National Police Athletic League (NPAL), which supports underprivileged youth through education, sports, and leadership opportunities as well as various community service projects. Dunkin’ Donuts is donating $80,000 towards funding their Youth Leadership Program.

Go DD!

Deal 2:

Haagen Dazs is offering a free scoop of their new flavor, Vanilla Honey Bee, today only between 4-8pm.

Turns out there’s a Haagen Dazs shop just a few miles from my home and I didn’t even know it existed.  For shame!

Check back tomorrow for another great deal!

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Monday Links-A-Lot

The Festival of Frugality was hosted at Frugal For Life this week. It included my article Stamp Prices Are Going Up, Even if You Don’t Care.

More terrific articles to read:

  • I enjoyed The Ethics And Economics Of Used Baby Clothes by Kelly at My $mall C€nts. I have also sold at garage sales, but you get much less there than on consignment or on Ebay. I’m very excited that I just finally found a kids’ consignment store near me. Yay!!! If items were handed down to us I offer them back to the person who gave them, but if they decline I feel no remorse for selling them. I give away many of Son’s clothes, too.
  • Cash Money Life’s Save Money with Refurbished Electronics is very informative. Now I ‘ll actually consider buying a refurbished product!

The Carnival of Money Stories was hosted at Free From Broke this week. My article My Economic Stimulus Check Didn’t Arrive When Promised!, my most popular article ever, was included. Apparently lots of people didn’t get their checks!

Great posts include:

The Money Hacks Carnival was hosted at Save and Conquer and included my article Bank Fee Phobia. I’ll try not to be insulted that he thought it only “somewhat humorous”.

I also liked:

  • Single Guy Money talks about Reasons to Join A Credit Union. I was in one in college and joined one after I bought my last car to get a really good extended warranty for a really good price. They’re not nearly as hard to get into anymore, either. The one I joined has a branch in my local WalMart!
  • Dough Roller wrote a great roundup of Tax Rebate Deals–Supersize Your Economic Stimulus Payment. I’m not going to be using any of them, but I keep checking back to see if Costco or Publix appears on the list!

I’d also like to thank Quest for Four Pillars for including a link to my post I am a Stay at Home Mom. Here’s How I Finagled My Finances to Make It Happen. in their post Everyman’s Guide to Decreasing Expenses.

I’d also like to thank Donna at MSN MoneyBlog for including Stamp Prices Are Going Up, Even if You Don’t Care in her post Snail-mail bargain: Time to buy forever stamps.

Another great week. Thanks to all the hosts for their hard work, and to all the bloggers for great material!

Florida Residents: Save Money By Combining Citizens Policies

I called my old office last week to get a quote for insurance for my Dad’s new condo. I knew that State Farm would not let him move his policy from the house to the condo - the condo is right on the beach. I also knew he’d need a policy through Citizens Property Insurance Company, the state entity. What I didn’t know was that if you live in Florida and Citizens Property Insurance Company insures you separately for Homeowners and Wind coverage, you may save a bundle by getting these policies combined - something they didn’t used to do.

This could save some people a great deal of moolah.

First let me explain how we got where we are…

1970

The state of Florida started the Florida Windstorm Underwriting Association (FWUA) to provide Windstorm only coverage for people who could not find it through the regular market, specifically Florida’s coastal properties in Monroe County and the Florida Keys. Over time, the FWUA was expanded to include all or parts of 29 of Florida’s 35 coastal counties as insurers grew wary of insuring those properties closest to the coast.

1992

In the wake of Hurricane Andrew the insurance industry was in trouble. Several went out of business and the ones that remained decided to cancel large chunks of their policies to reduce their potential loss exposure in the event of another major hurricane. As a result there was a need to create another residual market for people that were being canceled, as no insurance company was accepting new policies. The people of Florida needed a policy similar to a standard multi-peril Homeowners policy. The Florida Residential Property Casualty Joint Underwriting Association (FRPCJUA) was created in 1992 and was structured similarly to the FWUA. At the same time insurers decided to expand their definition of “coastal” and began excluding windstorm coverage from homeowners policies for millions more. The FWUA was expanded to cover Dade, Broward, and Palm Beach counties, and Hillsborough and Pinellas counties followed a short time later.

So.

That left people with either:

  • FRPCJUA policy for multi-peril (Homeowners) and wind
  • FRPCJUA policy for multi-peril (Homeowners) and FWUA for wind
  • X Company for multi-peril (Homeowners) and wind (no change)
  • X Company for multi-peril (Homeowners) and FWUA for wind

Got it?

2002

Citizens Property Insurance Corp was created when the Florida legislature passed a law combining the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). The organizations may have been combined but wind was still written as a separate policy for the next five plus years, so many people had/have a Citizens Homeowners policy AND a Citizens Wind policy. Two policies, two bills, two sets of paperwork (and some have a separate Flood Insurance policy, too!).

2007

On August 1, Citizens Property Insurance Corporation rolled out a new product: one policy that covers both windstorm damage and traditional multi-peril (Homeowners) coverage. The two-for-one coverage is in response to a change in Florida law designed to make Citizens more profitable and less vulnerable to the risk of a catastrophic event. According to Citizens, policyholders who combine their plans could see annual premium savings of up to 10% (When my Dad’s policy was quoted it was more like 20-30%, but his is right on the ocean). Citizens customers who have windstorm coverage through Citizens and multi-peril coverage from a private insurer may also take advantage of the new single policy.

The Bottom Line:

If you have any Citizens Windstorm policy call your insurance agent to see if you can take advantage of the new policy and see how much you’ll save. They don’t just do a price adjustment so you will need to have a new policy written. That means you’ll have to have money available to pay the new premium and then wait to get pro-rated refunds on the old policy(ies), or wait for renewal.

Either way better in your pocket than the state’s.

~

The preceding information is not advice, it’s just my thoughts and opinions. I’m just a girl on the web, not currently licensed in insurance or anything else in any state. You should absolutely seek the counsel of an insurance agent licensed in your state before taking any action at all. Coverages and programs discussed may or may not be available in your state.

Deal of the Day May 12, 2008

Even though I’m still upset about the turned-cuff socks

Coupon code EXTRA15OFF makes the great clearance deals at Old Navy even better by slashing an extra 15% off prices. Shop for items pulled from throughout the store in women’s, men’s, maternity, shoes, accessories, and kid’s. Expires 05/14/2008.

Check back tomorrow for another great deal!

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