Monday, July 18, 2016

5 Tips To Protecting your Identity Online



I do a lot of shopping online, as a matter of fact I take care of many
things online. Manage my bank account, pay bills, stay in contact
with friends and family and get information I’m looking for on
anything and everything. There is a lot of info on the web, and
you want to make sure that yours stays secure.

We are fast approaching the holiday shopping season and there
will be more reasons for you to conduct transactions online. For
some of you, this may be the first year you make a purchase online.

Luckily, I have never had to deal first hand with identity theft, or
 having purchases made that weren’t mine but I do have family and
friends that have had to take care of the mess that left behind! It can
be very scary and quite a nuisance to handle.

Here are some quick tips and things to consider to help keep your
personal information safe while conducting business online.


Make Your Passwords Very Difficult

You would think this would be a no brainer, but many people make their
 passwords something as simple as their pets name, or their birthday. It’s
 not hard for a identity thief to figure this out. There are programs out there
that they use that can quickly go through various words, phrases and digits.
 You should create a password that is a good mixture of letters (capital and
 lowercase) numbers and special characters.

The following would be a good
example of a hard password to figure out.  J8h!ut6Y$

Keep Passwords Different For Each Account And Change Them Often

You don’t want all of your accounts having the same passwords. If your email/
password is compromised and it’s the same as your bank account and credit
card accounts, then you can easily have some trouble become of those accounts
 as well. Change your passwords often. If it helps, you can write them down in a notebook 
and keep them locked away in a safe or other place you keep your valuables hidden.

Use Prepaid Cards For Purchases

To keep your credit cards and bank accounts safe, use prepaid cards
 to make your purchases online. You can keep whatever amount you
 would like on them and will have the piece of mind that they are not
 attached to your personal bank account or credit cards.

Pay Close Attention To Giving Out Your SS#

There may be many places online that ask for the
last four of your SS#. Many people feel safe giving out 
this info since it’s only four numbers. But keep in mind 
that identity thieves can find out a lot with just those 
last four numbers, and it isn’t hard for them to figure
 out your full social considering the first 3 digits of your
 social pertain to the area in which you were born or where
 the number was applied for. So always make sure it is absolutely
 necessary before giving out any form of your SS#.

Keep A Watch On Your Credit Report

Did you know that you have access to your Credit Report
for FREE once a year? If you go to  annualcreditreport.com
 you can request your credit report once a year. Monitor your
 report often so that you can be aware of any  changes, open accounts
 that you don’t recognize or requests to see your report from a company 
that you aren’t familiar.  If you notice items like this, make sure to dispute 
them with that credit reporting agency. It is also helpful to put a fraud
 alert on your account as well.

The top 3 credit reporting agencies are:

Equifax
Experian

Transunion

Each of those sites can tell you more about how you can protect
your credit and report any errors you find.  Got any other suggestions to protect your identity and credit online?  Leave them in the comments below!

Tuesday, July 5, 2016

5 Terms Every Couponer Loves (And Why)!


As you learn to coupon and interact with other couponers, you will start to discover a whole new language! There are many different terms associated with couponing and I’m going to share five popular terms from the coupon lingo with you today.

Blinkie – When you see the term blinkie, it indicates a coupon that can be found in a small box attached to the shelf near the product. This machine will dispense coupons one at a time. Generally, it will allow you two coupons and will not dispense anymore until you walk away.

OYNO – An abbreviation for On Your Next Order. This refers to savings or promotion to take advantage of the next time you shop. This could mean a coupon for money off that you will earn when you purchase a set amount of items, then later get to use that coupon to take the money off your next order.

RC – This would also be known as a Rain Check!  If a product were to run out of stock on the shelf during a great sale, you can go to your customer service desk and request a rain check. That will lock the item at that sale price for you when the item comes available again. Generally you can get 4 of the item at the sale price and are normally good for 30 days after issued.

STACK – This is a wonderful term, one of my favorites! It means to use a manufacturer coupon on top of a store coupon on one item! Not all stores allow this, but when they do, you can see some amazing deals!  For example, If cereal is on sale for $2.00 a box, you have a $1 off Manufacturer coupon and $1 off Store coupon.  You can use them both on that one box and get it for free!

YMMV – Stands for Your Miles May Vary, or I have sometimes seen it addressed as Your Manager May Vary.  This term is used when describing deals that may only be specific to certain stores, or something that certain managers are allowing, but the same name store in other areas may forbid.

Those are just five of my favorite words in the couponing world.  I would love to hear some of your favorites!

Thursday, June 23, 2016

3 Steps to Get the Grocery Coupons You Want!

Get the grocery coupons you want with the following 3 steps
 Have you ever had a difficult time finding a coupon for your favorite product after looking at the coupon circulars of the week? Chances are it’s an established product that will have very few coupons. But, there is hope! I have found a way to get around the difficulty of searching for those coupons that you so desperately want.

1. Contact a Retailer

    •    If you go to the manufacturer of the product you want and say “can I have a coupon for your product?” it’s very possible that you will get one.
    •    What I Did:
Recently, I went to Chiquita’s website in search of some coupons for produce because I could not find any in the mass circulars. I went to the “Contact Us” section and filled out the Contact Form. Under the “Subject” Section, it already had a subject designated for “Coupons”, which I of course selected. A week or two later, I got a letter in the mail from Chiquita! They had sent me two coupons for Fresh Express Salads, along with a message from a Response Specialist saying that they appreciated my interest in their brand.


2. Sign up for Newsletters

    •    Newsletters have proven to be a good way to gain great coupons on a regular basis. Also, creating an account is a way of “proving” to a retailer that you’re a dedicated customer who deserves to receive offers and coupons.
    •    What I Did: 
I went to Pillsbury’s website and signed up for newsletters by creating an account. Every week they give me access to new coupons that I can’t get anywhere else, for their products and great recipes. Sometimes I even find better coupons on their site than the coupons that they’ve put out in the mass distributed circulars. 


3. Scour a Retailer’s Website

    •    If you go to a particular retailer’s website, you may be pleasantly surprised to find a section specifically for coupons or promotions.
 What I Did:
 I went to Marie Callender’s Meals website and found that they had a “News and Offers” page that had a section dedicated to coupons. I then found two good coupons for two different types of meals.



It may take a little digging, but any or all of these methods will help you lower your grocery bill!!


Monday, September 9, 2013

Blings and Things Summer Giveaway Part 1

 
Welcome to the Blings and Thing Summer Giveaway Hosted by Extreme Saving Moms. 

Extreme Saving Moms along with over 30 small business owners have partnered together to bring you this AWESOME giveaway!

This giveaway is divided into two parts. Part one is for a $25.00 Target Gift Card! Part two consists of over 30 prizes from various companies! Prizes include jewelry, health and beauty items, household items, gift certificates, and items for the kids! There are some AMAZING prizes available! To get started complete the tasks on the Rafflecopter below to be entered to win the $25.00 gift card then head over to Part 2 to enter to win over 30 prizes! GOOD LUCK!!

Giveaway starts September 6th and ends September 20th at 11:59pm EST
 open to US residents ages 18+



GIVEAWAY PART TWO! Click here to enter to win over 30 AWESOME prizes! Your entries here do not count towards the second part of the giveaway be sure to check out all the great prizes and enter to win!

Disclosure: This giveaway is in no way affiliated with Facebook, Twitter or Pinterest. Please email extremesavingmoms@gmail.com with any questions related to this giveaway

Friday, September 6, 2013

Bling's and Things Summer Giveaway Part 2

Welcome to the Bling's and Things Summer Giveaway Part 2 Hosted by Extreme Saving Moms. 

All of these wonderful prizes are up for grabs. To enter simply complete the tasks on the Rafflecopter for each prize you are interested in! Additional information on products can be found on the sponsors website or Facebook page. Over 30 prizes are available! GOOD LUCK!

If you have reached this page without entering part 1 of the giveaway be sure to check it out and enter to win a $25 Target Gift Card!











Willow House: Simply Good Design with Nicole Warren
 
Bali Scroll: Beaded Trio Necklace
22" stainless steel chain with beads of labradorite, smoky quartz and pearl is perfect by itself, and dazzles with our enhancers (enhancer, rings and bracelet not included but available for 50% off).

Wednesday, August 7, 2013

Blogger Opportunity--Blings and Things Summer Giveaway!



Welcome to the Blings and Things Summer Giveaway Hosted by Extreme Saving Moms
Giveaway Dates 8/15-8/31
Valid for US residents only 18 +
This giveaway consists of multiple prizes (Over 30 confirmed sponsors as of Aug. 6th. with more to come) PLUS one GRAND PRIZE. TBD by the amount of paid participants we get. Will either be a special gift basket or a gift card
Prizes include a ton of jewelry and BLING from multiple companies, as well as a variety of other prizes including, stuff for the kids, Beauty products, diet and nutrition products, household decor and MORE!
Bloggers will receive one free link (Twitter or Facebook) for posting announcement (waiver fee of $5 if not posting) and agree to Post and promote at least 3x/week for the duration of the giveaway.
Additional links are available for $2.00 each. Link options include, Facebook, Twitter, Pinterest, Instagram, Bloglovin, Networked Blogs,Email subscribe, RSS Subscribe, or a Picket Fence Vote.
Host pages are available for $10.00 and will include your free link plus 2 additional links of your choice, and a follow page. Follow pages are a GREAT way to drive more traffic to your blog and increase your page views, which in turn will help you achieve better statistics and ratings!
Referral Prize: The blogger that refers the most sign ups will receive a FREE host page with 2 additional links.
any questions please contact extremesavingmoms@gmail.com or contact me on Facebook
If you are a business and would like to sponsor in this or any other giveaway, please contact me at extremesavingmoms@gmail.com

Free BIC Pens and Mechanical Pencils at Target

Back to school season is here. Give your wallet a break and snag BIC pens and Mechanical pencils for FREE at Target!



 

Bic Crystal Pens, 10 ct $0.99, regular price
Use $1.00/1 Bic Stationery Product, Limit 4 like coupons per household per day from SS 8/4 (exp 9/15)
Final Price: Free 




 
 
 
 
 
 
 
 
 
 
 
Bic Mechanical Pencils, 8 ct $0.99, sale price through 8/10
Use $1.00/1 Bic Stationery Product, Limit 4 like coupons per household per day from SS 8/4 (exp 9/15)
Final Price: Free