Avoid Large Purchases on a Credit Card

If there is a debt default, it will have drastic results on interest rates. “The risks engendered by the default would cause interest rates to skyrocket, including those on the financial instruments that households and businesses use—Treasury bonds, mortgages, and credit card interest rates,” said the Biden White House in a statement.

Adding to your indebtedness could result in additional burdensome interest on your debt.

Don’t Panic

“Fight your worst instinct to act on the news,” says Teresa Ghilarducci, retirement security expert at The New School. Panic is understandable when circumstances beyond our control impact our money. This fear can lead to emotional decisions.

If there is a debt default, it’s best to not give into financial anxiety. Instead, calmly look at your finances and make measured decisions.

Avoid Buying a Car

Borrowing costs will likely increase across the board in the event of a debt default. This includes auto loans. If you’re in the market, you may want to decide if you can wait.

At the very least, use this as a time to shop around and compare lenders to find the best rate.

Avoid Raiding Your 401(k)

Withdrawing your funds from a 401(k) is an understandable reaction to financial hardship. Unfortunately, removing funds from your 401(k) can cause problems.

You will likely incur a significant tax hit. You may also sacrifice matching funds from your employer. That’s not to mention hindering your retirement savings.

Don’t Stop Investing

“The best way for investors to achieve their own success is by focusing on the things that they can control: saving regularly, keeping costs and taxes from eating away at your nest egg and knowing what you need to meet your goal.” says Joel Dickson, the global head of advice methodology at Vanguard.

Investing in the stock market is a long-term game. Don’t let a short-term blip throw you off course.

Not Having a Plan For Your Money

Not having a plan for your money leaves you aimless. “And that’s where we talk about the importance [of] preparing for the unexpected,” says Dickson.

Now is a perfect time to look at your finances and reanalyze your goals. If you need to create a budget, do that to help you see where every dollar is going.

Not Supplementing Your Income

A default will result in a delay of paychecks for some individuals. Others may see their hours cut back at work. If this impacts you, look for ways to make money on the side to supplement lost income.

Pausing Your Retirement Contributions

“Be fearful when others are greedy and greedy when others are greedy,” is a well-known quote from the Oracle of Omaha, Warren Buffet. The saying holds true now.

Many people are fearful. Don’t let that fear hold you back. Historically, the stock market performs well after minor blips of tumult.

Don’t Delay Paying off Debt

“We’re advising people to prepare for a potential default as you would for an impending recession,” says Anna Helhoski of NerdWallet. One way to prepare for times like these is to eradicate debt.

Interest rates are likely to go up in the case of a debt default. Don’t delay paying off debt as higher interest rates will likely only make it more difficult.

Don’t Stop Saving Money

“Any default still doesn’t change the fact that the Federal Deposit Insurance Corporation (FDIC) ensures deposits up to $250,000 per depositor, per account,” says Urooj Khan, professor at Texas’ McCombs School of Business.

Your money is still available to you, regardless of whether there’s a default. Continue saving and growing your emergency fund as it will help you in the long-term.

Needless Expenses to Avoid if You Can’t Make Ends Meet

Living paycheck to paycheck makes debt payoff difficult to accomplish. By cutting a few needless expenses you can free up cash to throw at your debt. Who knows, you may not even miss it.

Needless Expenses to Avoid if You Can’t Make Ends Meet

35 Proven Ways to Save Money Every Month

Many people believe it’s impossible to save money. Or, they think saving $20 or $30 a month won’t amount to anything. Both are incorrect. There are many simple money-saving tricks that can amount to significant savings. You just have to start one, then another, to increase your savings.

35 Proven Ways to Save Money Every Month

101 Ways to Make Money on the Side

Earning extra money is a fantastic way to make ends meet. But which opportunities will help you the most? There are plenty of ways to make money on the side. Find one that works for you and pocket the cash.

101 Ways to Make Money on the Side

The post Debt Default Dilemma: 10 Money Mistakes Experts Urge You to Avoid appeared first on Frugal Rules.

Top Gun Maverick (2022)

This summer blockbuster follows Top Gun Ace, Maverick, 30 years after the original Top Gun movie. While still flying, Mav has to face his past while preparing a new class of graduates for the future. Stream it on Paramount+ or Prime Video.

Pearl Harbor (2001)

Kate Beckinsale and Ben Affleck light up the screen in this classic film about the bombing of Pearl Harbor and the aftermath. There’s love, war, and plenty of action to entertain everyone on Memorial Day. Stream it on Max.

Captain America (2011)

See the movie that started it all in this fun flick that follow the first Avenger – Captain America. See how a scrawny boy became a hero. Watch it, and all the Marvel movies, on Disney+.

Top Gun (1986)

See the hit that catapulted Tom Cruise into a stratosphere of stardom. Meet Maverick and his pal, Goose, as they fight to fly their way to the top of their Top Gun class. Watch it now on Paramount+.

Born on the Fourth of July (1989)

If you’re in the mood for a heavier tear-jerker that makes you think deeply about freedom and the value of democracy, watch this classic Tom Cruise hit. Telling the story about Ron Kovic, he goes form Vietnam War vet to human rights activist. Watch it on Netflix.

The Hurt Locker (2008)

See the thrilling war pic starring Jeremy Renner that netted director Kathryn Bigelow numerous Oscars. It tells the tale of a maverick Sergeant assigned to an army bomb squad during the Iraq War. Rent it on Apple TV+. or Prime Video

Black Hawk Down (2001)

See the heroic actions of a group of soldiers shot down from their helicopter on a routine mission in Somalia. They face off against troops they aren’t prepared to fight in a battle they weren’t expecting. Watch it on Netflix.

Saving Private Ryan (1998)

When Tom Hanks and Steven Spielberg pair up, great things happen. And that is definitely the case in this classic tear-jerker war film that follows a group of U.S. soldiers who go behind enemy lines to retrieve a paratrooper after storming the beaches at Normandy. Watch it on Paramount+.

Forrest Gump (1994)

Another Tom Hanks hit, this film is as American as apple pie and the perfect film for the whole family to enjoy over the Memorial Day weekend.

Watch Forrest run through the Kennedy administration, Vietnam War, Watergate and other historic American events in search of his childhood sweetheart. Watch it on Amazon Prime Video.

Platoon (1986)

See Charlie Sheen light up the screen before his epic tailspin in this brutal but classic war movie. Set in Vietnam, it follows a solider caught between the wills of two sergeants. Stream it on Max.

Red Tails (2012)

Be inspired by the story of a heroic crew of African American fighter pilots as they duke it out in the Tuskegee training program. They overcome segregation to fight for America in World War II. Watch it on Disney+.

American Sniper (2014)

Settle in for a gripping story about a Navy S.E.A.L. sniper whose accuracy on the battlefield turns him into an American hero, but leads to struggles at home. Rent it on Amazon Prime Video or Apple TV+.

Night at the Museum (2006)

This fun family movie takes you on a magical evening with Ben Stiller and Robin Williams through an enchanted museum. If you love it, there’s two sequels to enjoy.

Stream the original on Disney+ and Night at the Museum: Secret of the Tomb on Max.

National Treasure (2004)

See Nicholas Cage and Diane Kruger race to find the legendary Templar Treasure before a band of mercenaries gets it first. There’s plenty of American history and a solid plot to entertain the whole family.

Stream it and the sequel on Disney+.

The Patriot (2000)

Take a trip back in time to the Revolutionary War as Mel Gibson morphs from a peaceful farmer to a savage war hero after the British attack America. Rent it on Prime Video.

10 Can’t Miss Marvel Movies if You’re New to the MCU

Did you enjoy Marvel Comics as a kid? Then you’ll love these ten Marvel movies you can stream on Disney+ today.

10 Can’t Miss Marvel Movies if You’re New to the MCU

Disney+ Review: A Great Streaming Service for Families

Learn more about the streaming home to all the Marvel movies and series. It also has all the Star Wars series and films, along with everything Pixar and every Disney Princess movie.

For anyone who loves fantasy, or with kids or grandchildren, Disney+ is a must.

Disney+ Review: A Great Streaming Service for Families

Peacock vs. Paramount Plus: Which Streaming Service is Better?

The streaming platforms for NBCUniversal and Paramount Global, respectively, these two streaming services have substantial movie libraries to enjoy. They also have TV series and some live channels with plans that start at just $5 per month.

Peacock vs. Paramount Plus: Which Streaming Service is Better?

The post 15 Epic Memorial Day Movies to Watch This Weekend appeared first on Frugal Rules.

Plan Your Meals

Food waste takes a big bite out of any budget. The average family wastes nearly $2,000 in food annually. That’s money going directly into the trash.

Meal planning helps you avoid this waste and save up to $150 each month since you buy only what you need. Write out your meals for a week and use that to guide your shopping. Rinse and repeat to reduce your food waste.

Automate Your Saving

A common problem when it comes to saving is that we forget to do it. One of the best ways to save more money every month is to automate your savings at a no-fee bank.

This lets you reach your savings goals without thinking about it and can be a big part of trying to save $500 a month or more. You can start with as little as you want, even $10 a month. Little by little the savings will add up.

Ditch Cable

Cutting the cord on cable is one of the best ways to save money every month. The average household spends over $200 per month on cable.

With the availability of cable alternatives, there’s no need to spend that much money. A streaming service can save you at least $100 per month. Best of all, there’s no contract and you can leave when you wish.

Find Cheaper Auto Insurance

Comparing rates from multiple insurers is one of the best things you can do to reduce expenses. Reports indicate that 40 percent of drivers have not compared rates in at least three years.

If that’s you, you could be leaving hundreds of dollars a year on the table. Sites like The Zebra let you analyze dozens of carriers simultaneously. Select a more affordable choice and pocket the savings.

Save Your Spare Change

Most lists of tricks to save money tell you to save your spare change. While this is an effortless way to save money, why not grow that change instead?

Micro-investing apps like Acorns round up all your purchases and invests the money in a low-cost portfolio of your choosing once you reach a $5 balance. This saves you money and grows your net worth at the same time.

Spend Less at the Pump

Rising gas prices can make it exceedingly difficult to reach your savings goals. Cheap gas isn’t readily available, but there are ways to reduce your spending.

Thanks to apps like Upside, you can get a rebate back every time you visit the gas station. Once you reach a $10 balance you can cash out to your bank account or redeem for a gift card.

Get Cash Back at the Grocery Store

Couponing is a fantastic way to save, but who has time for that? You can still save at the store with rebate apps like Ibotta. Do your shopping like normal and take a picture of your receipt.

The app then identifies active rebates and credits your account. When you reach the minimum withdrawal amount you can take earnings in cash or free gift cards.  

Buy Used

Waste doesn’t just impact food costs. It also affects how much we spend on items like clothing. If you have a growing family, consignment stores often offer savings of at least 50 percent on what an item would cost new.

Furthermore, you can sell clothes you no longer need to defray costs.

Save on Your Prescription Costs

Medicine can be expensive. Fortunately, there are ways to save on prescription medication. You can use a free app like GoodRx to find lower drug prices.

The app is accepted at over 70,000 pharmacies nationwide. It claims to help you save up to 80 percent on prescriptions. Give it a try and pocket the savings.

Switch Phone Carriers

Similar to cable, switching to a no-contract phone plan is a terrific way to start saving money monthly. Analyzing your needs could help you save up to $100 per line per month.

If you’re commonly on Wi-Fi, you can switch to a cheap phone plan without sacrificing reliability or your data needs.

Try the 52-Week Challenge

If saving money every month is challenging for you, it might be best to start small. This can give you the confidence to amplify future savings efforts.

With the 52-Week Challenge you start by saving $1 in week one, then $2 in week two, and this continues until you save $52 in week 52. This will net you $1,378 in savings at the end of a year.

17 Best Money Saving Apps That Save Big Bucks

Do you live to save money in all areas of life? Look no further than your phone. Whether you’re at the store, or want to grow your net worth, while saving, there’s an app for you.

17 Best Money Saving Apps That Save Big Bucks

How to Save Money on a Tight Budget

It’s not impossible to save when you’re on a limited income. You just have to be creative. Here are 13 legitimate ways to save, regardless of your income.

How to Save Money on a Tight Budget

How to Save Money on Groceries

Going to the grocery store can take a serious bite out of your budget, but there are ways to save. You may even be overlooking money-saving opportunities. These tips can keep more cash in your pocket.

19 Ways to Save Money on Groceries

The post 11 Money-Saving Secrets You Can’t Afford to Skip appeared first on Frugal Rules.

You won’t feel lost watching any of them, even if you’ve never seen a single Marvel movie. And the entire MCU library is on Disney+ so you can stream more when you’re done!

Captain America: The First Avenger (2011)

Start your cinematic journey where it all began – with the first Avenger, Captain America. Set in the 1940s, this tale is a great summer flick that the whole family can enjoy. There’s a strong hero, a solid story, and plenty of action.

Captain Marvel (2019)

If you’re a fan of the 1990s, you’ll love Captain Marvel. It has a strong female lead, a great playlist of 90s hits running throughout, and it serves as an important introduction to the Marvel movies that come later and expand their plots to the universe beyond our borders.

Iron Man (2008)

The best thing about a Marvel Marathon is that it doesn’t cost you a thing other than your streaming subscription. In Iron Man, you can see the MCU movie that started it all from the comfort of your couch.

Robert Downey Jr. plays an intriguing Tony Stark who’s frankly just fun to watch. If you like Tony Stark, you can follow his journey in Iron Man 2 and Iron Man 3.

Thor (2011)

Who do you like more – Chris Hemsworth or Anthony Hopkins? In Thor, you don’t have to pick because you can enjoy watching them both. This hit develops the story of S.H.I.E.L.D. while also delivering plenty of interplanetary action.

The Avengers (2012)

Can’t pick your favorite hero? You don’t have to in this first Avengers movie. It brings Captain America, Iron Man, Thor, Black Widow, The Incredible Hulk, and Hawkeye together for an absolute show stopper.

Grab your popcorn and settle in for a thrilling ride. Looking for other action-packed movies to escape the ordinary for a few hours? Paramount+ has a decent library of films to enjoy when you’re ready for a break from Marvel.

Guardians of the Galaxy (2014)

A truly unique superhero movie, Guardians of the Galaxy puts lovable characters, friendship and music from the 70s front and center. Plus, where else could you see Chris Pratt, Zoe Saldana, Vin Diesel, and Dave Bautista on screen together?

This is a fun flick that parents and teenagers can enjoy together. Plus, if you like it, you can stream Volume II on Disney+ and catch Volume III, which hit theaters in May 2023.

Black Panther (2018)

If you’ve never watched a single Marvel movie and enjoy films that add a little depth to their action, you’ll love Black Panther. This entertaining film starring Chadwick Boseman is as insightful as it is entertaining. Prepare to be moved and brought to your feet by the end.

Black Widow (2021)

Scarlett Johansson finally gets her first installment in this fun flick that explains the interesting backstory of the titular character. Chased by foes who want her dead, you’ll see plenty of action sequences as well as snappy dialogue with Natasha Romanoff’s long lost sister and father.

Ant Man (2015)

This fun film follows the fate of a lovable thief and guy who’s trying really hard to be a great dad into the tiny-size world of ants. Michael Douglas and Evangeline Lilly support Paul Rudd in this amusing movie that the whole family can enjoy.

Dr Strange (2016)

If you like time travel, you’ll love Dr. Strange. This first installment of the character’s trilogy is perfect for sci-fi lovers. You’ll want to pay close attention to all the twists and turns in this one.

Disney+ Review: A Great Streaming Service for Families

Learn more about the streaming home to all the Marvel movies and series. It also has all the Star Wars series and films, along with everything Pixar and every Disney Princess movie.

For anyone who loves fantasy, or with kids or grandchildren, Disney+ is a must.

Disney+ Review: A Great Streaming Service for Families

Peacock vs. Paramount Plus: Which Streaming Service is Better?

The streaming platforms for NBCUniversal and Paramount Global, respectively, these two streaming services have substantial movie libraries to enjoy. They also have TV series and some live channels with plans that start at just $5 per month.

Peacock vs. Paramount Plus: Which Streaming Service is Better?

13 Best Free Streaming Services in 2023

Looking for totally free entertainment? Free ad supported streaming services like Tubi and Pluto have a lot to offer and don’t cost a dime.

13 Best Free Streaming Services in 2023

The post 10 Can’t Miss Marvel Movies if You’re New to the MCU appeared first on Frugal Rules.

Be a Ride Share Driver

Delivery gig apps like Instacart Shopper are a fantastic option to earn extra cash. Set your own schedule and drive when you want. Earnings are paid weekly. In some cases, you can cash out daily. This is a great opportunity if you have spare time and need a side gig to make ends meet.

Be a Dog Walker

If spending time with dogs makes you smile, this is a fun way to make extra money during the summer. It’s especially fun if you don’t want to work for a delivery gig app. Rover is a great choice for making money walking and boarding pets.

Be a Housesitter

Housesitting is a necessary expense for many people taking summer vacations and an easy gig for you.

You’ll likely check mail, take out trash, water gardens and sleep over at night. If pets are involved, you’ll make even more. Find housesitting opportunities at Care.com or let your network know you’re looking for gigs.

Rent Out Your Car

Believe it or not, you can make decent money renting out your car. HyreCar is one option that lets you rent your car for free and earn up to $720 a month depending on your make and model. They provide insurance and manage the process. All you have to do is provide the car.

Rent Out a Room

Renting out a spare room or house through a platform like Airbnb is an excellent way to earn semi-passive income. What you can earn depends on where you live and what type of accommodations you offer.

Take on Odd Jobs

Do you enjoy fixing things? If you’re good with your hands or like physical work, you can make good money doing odd jobs during the summer. Sites like TaskRabbit are excellent resources for finding handyman work, home improvement tasks, yard work, painting, jobs assembling furniture, and more.

Wash Windows

If you enjoy spending time outdoors, window washing is a great way to earn money while being active outside. While you have to buy a few supplies to get started, once you build up a client base, this can become a lucrative side gig.

It’s possible to earn $30 an hour washing windows. Network with small business owners in your area and look for clients on sites like TaskRabbit.

Be a Proofreader

In a world where everyone is a writer, we all need proofreaders to dot our i’s and cross our t’s. If you enjoy reading, have a keen eye for grammar and excel at attention to detail, you can make $20 an hour or more as a proofreader. Check sites like FlexJobs to find proofreading gigs.

Surf the Web

Seeing as you’re reading this, you probably enjoy spending time online. Swagbucks is a mindless way to make quick cash while surfing the internet. Watching videos, using shopping portals, and reading emails are all common tasks you can be paid to do.

Complete Online Surveys

Do you love to share your opinion? Companies want to hear it and will compensate you for telling them what you think about their products and services. Surveys for money sites connect you with companies looking for feedback. You won’t become wealthy, but it’s a fun, mindless way to earn cash while watching TV at night.

9 Best Delivery App Jobs to Work For in 2023

Find more ways to make money on the side by diving deeper into a review of the best delivery app jobs to work for.

9 Best Delivery App Jobs to Work For in 2023

How to Make Money in One Hour

Whether you need to make ends meet until payday or you want extra spending money, earning quick cash is possible. Check out these legit ways to make money in one hour.

How to Make Money in One Hour

13 Legit Ways to Earn Free PayPal Money

Free cash sounds too good to be true, but there are legit ways to earn free PayPal money that you can use right now to earn a little extra spending money.

13 Legit Ways to Earn Free PayPal Money in 2023

The post Short on Cash? 10 Ridiculously Easy Ways to Make Extra Money This Summer appeared first on Frugal Rules.

The reality is that managing your money effectively and avoiding unnecessary costs can help you reach your financial goals faster. If you want a banking experience with fewer fees, Spruce is a good option. 

In this Spruce Money review, we look at how this no-fee banking platform can help you improve your financial situation. 

What is Spruce Money? 

Spruce is a mobile banking platform from the tax accounting giant H&R Block. When working with Spruce, the banking services are made available through Pathward, which is an FDIC-insured bank. 

The platform’s goal is to make it easy for people to be good with money. With ample features designed to make money management easier, Spruce could be a good fit for many users. 

Specifically, Spruce Money is an ideal choice for someone getting serious about their financial situation. Using the platform, you’ll have access to tools that streamline the process of good money decisions. 

How Does the Spruce Mobile App Work? 

The Spruce mobile banking app is available for iOS and Android users. In addition to the mobile money management app, you can manage your accounts from a desktop. 

If you want to work with Spruce, you can set up your account through the app or their website. Be prepared to provide your email, legal name, and phone number. You’ll also need to create a password. 

With no minimum balance requirements, you don’t need a funding account to get started. However, if you are switching banks, keep your account information handy. 

Once your account is set up, you can use the mobile app or website to manage your money efficiently. 

Customer feedback about the app is mixed. The Spruce app earned 3 out of 5 stars in the Google Play Store and 3.1 out of five stars in the Apple App Store. 

How Much Does Spruce Banking Cost? 

When evaluating your banking options, paying attention to the fees is critical. The good news is that Spruce is light on fees. 

Here’s a breakdown of what to expect:

• No monthly fee
• No sign-up fee
• No foreign transaction fee
• No minimum balance fee
• Paper checks cost $15 for a pack of 25
• Out-of-network ATM transactions cost $3
• Over-the-counter withdrawals are $4.95

As you can see, you won’t find too many fees. Although there are some fees, Spruce is upfront about them. 

Features 

While the limited number of fees makes Spruce attractive, it’s the features that help the banking app stand out. Here is a closer look at what the platform offers. 

Spending Account

The spending account is the core of your Spruce Money experience. Essentially, it acts like a checking account. You can receive your paycheck and spend money from this account via  cash, checks, or a debit card. 

As of this writing, Spruce is adding a bonus into the mix. You can earn a $50 bonus when you open a Spruce account and receive $200 in qualifying direct deposits within 45 days of opening. 

You’ll need to open an account by June 30th, 2023, to access this deal. 

Automatic Cash Back 

Cash back rewards let you stretch your dollars further. Spruce Rewards makes it easy to tap into cash back. 

When you use your Spruce debit card, you can earn cash back from thousands of participating retailers. As you shop, the rewards will land in your Extra Savings account. 

Savings Goals 

Most people have financial goals. Whether you want to fund a car purchase or your next vacation, you can set up dedicated savings goals with Spruce. 

To set up your goal, you’ll choose a total amount, an initial deposit, and an auto-transfer amount. You’ll also select a photo that represents your goal. The right picture could inspire you to stay on track. 

Without a savings goal, it’s easier to spend money on unnecessary purchases. With a goal in mind, you might decide to funnel extra funds toward that goal. 

Read our guide on ways to save money each month if you need to free up resources to reach your goal.

Fee-Free In-Network ATMs 

If you need to withdraw cash, Spruce gives you access to thousands of in-network ATMs. When you choose an in-network option, ATM withdrawals are free of charge.

Access to a large network of fee-free ATMs lets you get cash whenever you need it. However, if you make a withdrawal from an out-of-network ATM, then Spruce charges a $3 fee. 

Ability to Access Your Paycheck Early 

Early access to your paycheck can give you a jump start on your financial goals. With Spruce, you might be able to receive your paycheck up to two days early. 

To tap into this option, you’ll need to enroll in direct deposit from your employer. If you receive ACH transfers of $200 every 35 days, you’ll continue to receive early access to your funds. 

The same principle holds true for your tax refunds. If you get your federal tax refund deposited into your account, Spruce may give you access to those funds up to five business days early. 

Depending on your situation, this could be a game-changer. 

Credit Score Updates 

Spruce partners with Experian to give you free access to your FICO credit score. Within the Spruce platform, you can see where your credit score stands. 

Each month, you can view an update on how your credit actions impacted your score. 

Within the app, you’ll see a breakdown of factors impacting your credit score, including:

• Payment history
• Amount owed
• Credit history
• New credit
• Credit mix

As you manage your finances, Spruce makes it easy to check in on where you stand. This is a valuable resource if you are trying to build your credit score. 

Courtesy Coverage 

It’s easy to overdraft your account. If you make a mistake, most banks penalize you with an overdraft fee. The average overdraft fee is around $30, according to the FDIC. 

With Spruce, you can access courtesy coverage of up to $20. If you overdraft your account by up to $20 with a card purchase, the platform won’t charge a fee. Instead, Spruce will cover the charge, and you’ll have 30 days to repay it. 

In order to get courtesy coverage, you’ll need to have a qualifying direct deposit of at least $200 in 35 days. You can enroll in courtesy coverage through the app settings if you meet that requirement. 

Goal Tracking

Setting a savings goal is just the first step. After you create a goal, you’ll start making progress with regular savings. Spruce makes it easy to track your goals. 

When you look at your money goals, you can see a chart that outlines how long it will take to reach them. If you adjust your contributions, you can determine how that will impact your timeline. 

Is Spruce Safe?

Spruce isn’t an online bank, but it offers bank-level security. Pathward, an FDIC-insured financial institution, provides the platform’s banking services. 

With that, your funds are safe. Even if the bank closes, your funds are insured for up to $250,000. 

Beyond FDIC insurance, Spruce keeps your money safe through multi-factor authentication options, fraud monitoring, and transaction notifications. You can also lock your debit card at any time. 

Additionally, the debit card includes Mastercard’s Zero Liability policy. This means you aren’t responsible for unauthorized transactions. 

How to Contact Customer Support 

Spruce has customer support available 24/7. If you need help, you can reach out through a chat feature in the app.

If you prefer to make a phone call, you can call 855-977-7823.

What Are the Pros and Cons of Spruce? 

Every financial product has advantages and disadvantages. Here’s what to consider when it comes to Spruce. 

Pros:

• Automatic cash back
• Simple to set savings goals
• No monthly maintenance fees
• Early payday feature
• Easy-to-use platform 

Cons:

• No physical branches
• No interest-bearing account options
• Cash back is not available at all stores

Overall, this free banking app is worth trying if you want access to no-fee banking.

Alternatives to Spruce Money 

Spruce Money isn’t the only option for banking without fees. There are other apps that offer a fee-free experience. Here’s a preview. 

These are the top platforms like Spruce Money. 

CIT Bank 

CIT Bank offers an online banking experience with both checking and savings accounts. Unlike Spruce, you’ll need to make a minimum deposit of $100 to open an account, but there is no monthly fee. 

A big draw to CIT Bank is its interest-bearing accounts. For example, the Platinum Savings account offers an APY of 4.85 percent for account holders with a balance of at least $5,000. This relatively high APY can help you reach your savings goals faster. 

Even the eChecking account is interest-bearing, with a 0.10 percent APY on balances under $25,000. However, you won’t find automatic cash back or credit monitoring solutions. 

Read our CIT Bank review to find out more. 

Current 

Current is another banking platform designed for streamlined money management. You won’t incur any monthly fees, overdraft fees, or minimum balance requirements. 

With Current, you can get early access to your paycheck and the option to set savings goals with Savings Pods. As you save money, Current offers an APY of 4.00 percent if you maintain a qualifying direct deposit of $200. 

If you don’t meet the direct deposit requirements, you’ll earn 0.25 percent APY on your savings. 

Is Spruce Money Worth it? 

Spruce is a worthwhile option for anyone looking to manage their funds efficiently. A combination of minimal banking fees, automated cash back, and saving goal features make the app attractive. 

Of course, Spruce isn’t the right fit for everyone. If you prefer in-person banking, Spruce won’t meet your needs. Additionally, anyone looking for a no-fee banking experience that supports a high-yield savings account won’t find an option through the platform. 

Nevertheless, if you’re looking for free banking services and are willing to manage your funds online, Spruce offers an affordable experience packed with useful features. 

What’s most important to you when choosing a bank?

The post Spruce Review: Is the Fee-Free Mobile Banking App Worth it? appeared first on Frugal Rules.

Cable TV

A costly cable subscription or premium live TV streaming service is not required to watch your favorite shows. There are dozens of cable alternatives that let you catch popular programming and save lots of money.

If you’re a live sports fan, don’t fret. Some affordable options even air live sports.

Credit Card Fees

High-interest credit card debt can harm any budget. Putting a frivolous purchase on a credit card may cause you interest, putting you further behind.

Instead, save for that item so you can buy it without guilt once you have the resources.

Eating Out

Dining out is fun, but it’s expensive. The average household spends nearly $300 a month eating out. That can take a big bite out of a budget.

Even if you cut your meals out by half you can reclaim some serious savings.

Expensive Phone Plan

Legacy phone carriers are like cable companies. They overcharge you for what you can get for cheaper elsewhere.

Prepaid phone plans offer lots of data, without a contract. And, you can spend under $30 a month for what you need. That’s huge savings!

Pricey Gym Membership

We all intend to go to the gym, but if you don’t the expense is dead weight. Many people who have a gym membership don’t use it.

If you don’t use your gym, cancel it and use free exercise videos on Netflix instead.

Full-Priced Items

It’s convenient to buy an item at full price. However, you may be overpaying. Stores almost always have sales to help you save money.

You can even use a coupon app on your phone to find active promo codes to save more cash.

Banking Fees

No one should have to pay to bank. Unfortunately, banks don’t agree and often charge fees. Those minor $15 fees can add up over the year.

There are plenty of fee-free banking solutions available. Find one that doesn’t nickel and dime you so more cash stays in your budget.

Unused Subscriptions

How many memberships do you have that you don’t use? You may be leaving cash on the table. Identify what you don’t use and cut it from your budget.

You can even automate this by using a free budget app to analyze your spending.

Buying Brand Name Items

Brand name items are known, but they often also come with an added cost. If you’re brand-loyal, you may be overpaying. Many generic items are made by the same people who produce the popular brands you love.

Compare generic items against their counterparts and you may be surprised at what you can save. You may not even be able to tell the difference in quality.

Premium Music Streaming Services

Music services are helpful, but premium ones can cost a pretty penny. Even Spotify has a free version. Try it, and see if you like it. You may be able to pocket $15 a month and still stream your favorite tunes.

35 Proven Ways to Save Money Every Month

Many people believe it’s impossible to save money. Or, they think saving $20 or $50 a month won’t amount to much. Both are incorrect. There are many simple money-saving tips that can amount to big savings. You just have to start one, then another, to increase your savings.

35 Simple Ways to Save Money Every Month

7 Steps to Break the Paycheck-to-Paycheck Cycle

Making ends meet is hard on a limited income. However, it is possible to break the cycle and find financial stability. You just need to know where to start.

How to Stop Living Paycheck to Paycheck

Side Hustle Apps to Make Extra Money

Earning cash on the side is a fantastic way to make ends meet. But, which opportunities will help you the most? Side hustle apps connect you with good-paying gigs in your area so you can earn money in your spare time.

23 Best Side Job Apps to Make Extra Money in 2023

The post 10 Needless Expenses to Avoid When You Can’t Make Ends Meet appeared first on Frugal Rules.

The Advantages of Using Facebook Marketplace

One significant benefit of Facebook Marketplace is its user-friendly nature, making it simple for buyers and sellers to navigate. It seamlessly integrates with the Facebook ecosystem, granting you access to many potential customers.

It also offers various communication options, making it easy to interact with buyers while allowing you to sell without incurring hefty fees.

In the end, Facebook Marketplace provides a convenient, low-cost, and efficient way to capitalize on the social media giant’s popularity and user base.

Furthermore, it’s a fantastic app to use to make money on the side. From flipping items to selling something you no longer use, the Marketplace is a good choice to earn cash.

Setting up Your Facebook Account for Marketplace

To start selling on Facebook Marketplace, you must set up your account correctly. This involves creating a personal profile that reflects your credibility and trustworthiness.

Use your real name, add a clear profile picture, and include relevant details like your hometown, job, and interests.

Connecting with friends and family members is also essential, as it helps provide social proof and boosts your credibility as a seller. Finally, ensure your account is set to “Public” so your listings are easily accessible to potential buyers.

Exploring The Facebook Marketplace Interface

Once your Facebook account is set up, familiarize yourself with the marketplace interface. Accessible from the main Facebook menu, the marketplace includes different categories for easy browsing.

These include “Home & Garden,” “Electronics,” “Clothing,” and others.

As a seller, understanding this layout will help you list your items in the appropriate sections, making it easier for potential buyers to find them. You can also use the search bar to track listings, discover trends, and monitor competitors to up your game.

Understanding Facebook Marketplace Fees and Charges

A significant advantage of trying to make money on Facebook Marketplace is that it’s generally free, with no listing or selling fees for most product categories, enabling you to maximize your profits with minimal overhead costs.

However, Facebook does charge fees for certain transactions, such as when selling vehicles or using the “Checkout on Facebook” option.

Staying informed about these fees and charges is crucial to avoid surprises and maintain healthy profit margins.

Deciding What To Sell on Facebook Marketplace

If you don’t choose the right products to sell, you’ll have a tough time turning a profit on Facebook Marketplace. Start by conducting market research to gauge demand and find popular items in your local area.

Then, consider things like pricing, competition, and potential profit margins to analyze if selling specific products is worthwhile.

Also, focus on products that can be easily photographed and described to create appealing listings. Remember, the more enticing your product offerings, the greater your chances of success on the platform.

Crafting an Effective Product Title and Description

A well-crafted product title and description are crucial for attracting buyers on Facebook Marketplace. Keep your title concise, descriptive, and include relevant keywords to ensure it appears in search results.

Your description should provide thorough details about the item’s features, condition, and additional benefits.

Address any frequently asked questions to reduce the number of inquiries you receive, and always be honest about the item’s status. Inaccurate or misleading information can lead to dissatisfied customers and harm your reputation as a seller.

Using High-Quality Images for Your Listings

High-quality images play a pivotal role in catching the attention of potential buyers on Facebook Marketplace. Invest time in capturing clear, well-lit, and attractive pictures of your items.

Use a clean, clutter-free background to focus on the product, and take multiple photos from different angles to showcase its features. Include close-ups of any unique elements, and highlight any possible flaws to maintain transparency.

Remember, superior images increase the chances of your listing standing out from the competition and generating more sales.

Choosing The Right Pricing Strategy

Setting the right price for your items is critical to maximizing profits on Facebook Marketplace. Research prices of similar products to determine a competitive range and consider how factors like an item’s condition, rarity, and demand may impact its value.

Avoid overpricing, as this can deter potential buyers while underpricing may hurt your profit margins. You can also use “Price Negotiable” or “OBO (Or Best Offer)” to engage buyers in negotiation and potentially secure a better deal.

Managing Buyer Communication and Inquiries

Maintaining responsive communication with potential buyers is essential for fostering trust and closing sales on Facebook Marketplace. Respond promptly to messages and inquiries, and always strive to be polite, professional, and informative.

Address questions and concerns with accurate information, and if you cannot meet a buyer’s specific request, provide alternatives or recommend other products you have for sale. Excellent communication skills not only contribute to successful transactions but can also inspire repeat business and positive reviews.

Safe and Secure Transaction Methods

Safe and secure transactions are crucial for sellers and buyers on Facebook Marketplace. Use cash or secure payment platforms such as PayPal or Venmo for in-person transactions. Avoid accepting personal checks or wire transfers, as they can be associated with scams.

When shipping items to buyers, use Facebook’s built-in payment system or a trusted external service for added security. Always provide a clear transaction record and communicate shipping details to maintain transparency and enhance buyer confidence.

Meeting Buyers in Person: Safety Tips and Best Practices

As in-person transactions are common on Facebook Marketplace, following safety guidelines when meeting buyers is crucial. Choose a well-lit, public location for the exchange, and inform a friend or family member of the meeting details.

Insist on bringing a trusted companion, and refrain from inviting strangers into your home or visiting theirs.

Verify the payment method beforehand and be prepared to negotiate if necessary. If any part of the interaction feels unsafe or suspicious, listen to your instincts and walk away.

This is all of particular importance when comparing the platform versus sites like eBay for sales. Those don’t require in-person meetups, so don’t overlook this necessary step.

Shipping Options and Strategies for Sellers

When selling items that require shipping, consider different shipping options and strategies to cater to a broader audience and maximize profits. Offer both local pickup and shipping options to accommodate various preferences.

Research shipping costs and options, such as USPS, UPS, and FedEx, to find the most suitable method for your items. Include shipping and handling costs in the listing or the product price, and state estimated delivery times clearly.

Providing accurate shipping information and options helps avoid misunderstandings and keeps buyers satisfied.

Handling Returns and Refunds on Facebook Marketplace

Facebook Marketplace doesn’t enforce a universal return policy. Nonetheless, handling returns and refunds professionally is essential for maintaining your reputation. Outline your return and refund policy in your listing to set clear expectations.

If a buyer has a legitimate issue with a product, consider accepting returns or negotiating a partial refund to maintain customer satisfaction. Communicate openly and professionally to resolve disputes and reduce the likelihood of negative feedback.

Boosting Your Listings for Increased Visibility

Consider using promotional techniques to increase your listings’ visibility on Facebook Marketplace. Share your listings on your personal timeline and in relevant Facebook groups to draw attention from potential buyers.

Encourage friends and family to share your listings, expanding your reach even further. Ensure that your listings are up-to-date and well-maintained, and consider refreshing stale listings by temporarily removing them and reposting them later.

These strategies can help boost visibility and ultimately lead to more sales.

Staying Updated With Facebook Marketplace Policies

Following Facebook Marketplace policies is vital to avoid delisting or account violations. Familiarize yourself with the platform’s guidelines, including restrictions on selling certain products, services, or offensive materials.

Always ensure that your listings comply with these rules and maintain a respectful and professional demeanor. Regularly reviewing Facebook’s policies and updates will help you maintain your account in good standing and avoid disruptions to your business activities.

Leveraging Facebook Marketplace for Business Growth

When used correctly, Facebook Marketplace can be an invaluable tool for business growth. Besides selling products, it enables you to gauge market trends, test new ideas, and capitalize on opportunities in your local area.

Expand your customer base, connect with like-minded businesses, and leverage positive reviews to build a solid reputation.

As your business grows, consider launching a Facebook Business Page and utilizing Facebook’s advertising options to increase your visibility and discover new audiences.

Maximizing The Potential of Facebook Marketplace

Facebook Marketplace is a platform that offers numerous benefits for businesses to sell their products within their local communities. The platform’s user-friendly nature, low costs, and communication options make it easy for sellers to reach a diverse audience and maximize profits.

Facebook Marketplace allows businesses of all sizes to sell their products and reach a large audience within their local communities. One of the most significant advantages of the platform is its user-friendly nature, making it easy for buyers and sellers to navigate.

Overall, Facebook Marketplace is a valuable platform for businesses looking to sell their products within their local communities. Its user-friendly interface, low costs, and communication options make it an ideal platform for businesses to reach a diverse audience and maximize profits.

This article originally appeared on Wealth of Geeks.

What’s your go-to app to sell items online for cash?

About the author: Jason Butler is the owner of My Money Chronicles, a website where he discusses personal finance, side hustles, travel, and more. Jason is from Atlanta, Georgia. He graduated from Savannah State University with his BA in Marketing. Jason has been featured in Forbes, Discover, and Investopedia.

The post Profitable Selling on Facebook Marketplace: Tips and Tricks for Success appeared first on Frugal Rules.

Thanks to these platforms, you can find instant discounts on groceries and other items. Some even offer printable coupons for extra savings.

If you want to lower your monthly bills, here are the best coupon sites.

What Are the Top Coupon Apps for 2023?

Reducing spending is on the mind of a lot of Americans. Soaring costs can take a big bite out of an already stressed budget, but money-saving apps and websites can help reduce strain.

In some cases, you can even earn cash back or free gift cards for items on your shopping list. Here are the best coupon apps to save money.

1. Capital One Shopping

Formerly known as Wikibuy, Capital One Shopping applies discount codes at checkout to save you money. You can download the mobile app for Android and iOS devices or use the browser extension for Chrome or Safari.

This shopping app scans the internet for active coupon codes on the items you want. It also offers a price comparison tool that evaluates pricing at over 30,000 retailers, including Amazon.

This means you can see if buying directly from Amazon or a third-party seller is cheaper. If you’re not ready to purchase your item immediately, you can get price drop alerts to potentially score a better deal.

When you buy online, you can earn loyalty credits that are redeemable for gift cards at participating retailers. You can also earn credits via in-store shopping and paying with a linked credit or debit card.

Gift card rewards start at $5.

Unfortunately, Capital One Shopping doesn’t offer coupons that help you save money in the grocery store. However, you can earn shopping credits from your online purchases and spend less when you buy merchandise.

Read our Capital One Shopping review to learn more.

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Capital One Shopping Save more when you shop! Snag better prices automatically on the things you buy with valid discount codes. Get Started

2. Swagbucks

Swagbucks is one of the most exciting deal websites because it offers multiple money-saving opportunities.

First, you can activate digital grocery coupons in the Swagbucks app for specific stores. You won’t get an upfront discount, but you can earn points by scanning a picture of your receipt via the Magic Receipts program.

A few of their coupon categories include:

• Baby items
• Food
• Pet care
• Travel

Coupons to popular brands like Colgate, Clorox, Pop-Tarts, and Energizer are available through the site. You can also earn rewards on select generic items like eggs or bread.

To the dismay of long-time members, this coupon website no longer offers printable coupons.

Another way to save money is by using the online shopping portal to earn points at thousands of merchants. The portal may also include online discount codes you can use for extra savings when you make a purchase.

In addition to earning points by shopping, you receive rewards for taking online surveys, signing up for product offers, and playing games.

All of these activities give you points to earn free gift cards. Amazon gift code redemptions start at $1. Standard gift card and PayPal payouts start at $5.

Read our Swagbucks review to learn more.

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Swagbucks Get $10 when you sign up now! Earn free gift cards and cash rewards taking surveys, shopping and more. Sign Up Now

3. PayPal Honey

Do you frequently search for sales and other ways to save money shopping online? If so, PayPal Honey (previously Honey) is a helpful browser extension that applies coupon codes.

Honey is one of the best coupon websites to help you save money when shopping at over 30,000 online stores. A mobile app and browser extension are also available with money-saving features.

It’s possible to save at all your favorite stores, including:

• Adidas
• Best Buy
• Domino’s
• Lands’ End
• Sephora
• Target
• Walmart

You can even use the extension to find free pizza delivery or other significant discounts to save money. However, there are limited local deals and grocery store offers.

When you make purchases online, the app will save promo codes and apply them before you pay to reduce your order total. You can effortlessly receive savings for online merchandise or site-to-store pickups.

Additionally, the tool compares prices at Amazon and sends you deal alerts for items that are on your wish list.

The PayPal Rewards feature (previously Honey Gold) lets you get up to 20 percent back at over 4,500 online stores. This rewards program also includes daily deals and exclusive discounts for additional savings power.

You can start redeeming your points for the following rewards starting with a $10 balance (1,000 points):

• Gift cards
• PayPal Cash
• PayPal shopping credits

If you choose the cash back redemption, you will transfer your rewards balance to your PayPal account. In addition, you won’t need a PayPal account to redeem gift cards.

Read our review of the Honey Extension to learn more.

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Honey - find active rebate codes Earn free gift cards! This popular browser extension finds active discount codes to help you save money shopping online.  Get Started

4. Rakuten

Rakuten (formerly Ebates) offers coupons and cash shopping rewards for over 2,500 popular online retailers. In-store cash back is also available at select department stores and restaurants.

Some of the popular online retailers that offer cash back rewards include:

• Amazon
• Best Buy
• Dell
• JC Penney
• Sephora
• Target
• Walmart

You can shop online through the site to utilize coupons or download the shopping extension for Chrome or other web browsers to activate available offers. This usually occurs when you visit a site with a deal.

The cash rewards you earn will automatically credit to your account after checkout. Rakuten will even apply discount codes to try and save you extra money.

Customers can be paid by check, free PayPal money, or a gift card with a minimum $5.01 balance. Select gift card payments qualify for a redemption bonus to earn more cash.

Getting cash back on your purchases is the best reason to use Rakuten, but you can also compare prices and cashback offers by retailer in the search bar.

Once you create an account, you can receive an automatic $10 signup bonus after your first online purchase of at least $25.

Additionally, you can earn cash for referring friends. For each friend who joins and spends at least $25, you receive $25.

Read our Rakuten review to learn more.

5. Fetch Rewards

Fetch Rewards is one of the best apps for shopping in-store when you buy groceries. You don’t have to clip coupons or activate offers before checking out.

Instead, you buy participating name brands, scan your receipt, and let the app match your purchases with current offers. Most qualifying products earn ten points per dollar, but special deals earn 300 to 3,500 points.

Some offers are store-specific, but many can be purchased at any retailer. While you pay full price for groceries, you can earn points even when you redeem manufacturers’ coupons or store coupons.

Merchandise receipts and online purchases can receive points as well.

You can start redeeming your points for restaurant and retail gift cards with a minimum balance of 5,000 points ($5 face value).

Check out our guide on top receipt scanning apps to identify choices to receive cash back on purchases if you prefer money to gift cards.

Read our Fetch Rewards review for more.

6. Entertainment Coupon Book

The Entertainment Coupon Book has helped families save money for over 60 years. If you want to find the best website for coupons, this platform provides a digital coupon book for your local metro area.

Annual and monthly memberships are available in over 75 metro areas throughout the United States and Canada.

Some of the local purchases you can save up to 50 percent on include:

• Entertainment and attractions
• Florists
• Home Repairs
• Oil Changes
• Restaurants
• Shoes

In addition to saving money nearby, you get over 75,000 digital coupons. You can redeem these coupons online or with your phone. It’s possible to save money on hotels, rental cars, and retail stores.

This coupon app is a great resource for leisure and entertainment purchases vs. essential spending.

Additionally, you must decide if the potential savings are worth more than the $24.99 annual fee (after a 30-day free trial) or paying $2.99 month-to-month.

7. Groupon

Almost everyone has heard of Groupon. While you won’t save money on groceries, it is one of the best coupon apps for experiences.

The top discounts let you save up to 70 percent. Some of the most popular categories are:

• Beauty
• Entertainment
• Health and Fitness
• Restaurants

After finding an offer, you pay a lower price and can receive a digital or printable coupon to redeem at the merchant.

You can also use the rebate site to save money on travel instantly. Simply go to the Groupon website or app and type in the name of your preferred city to locate deals.

The platform offers a coupons section as well. These include discounts to physical and online retailers. If you’ve searched for ‘cheap vets near me,’ you may find specials for animal care through this service.

Read our guide on sites like Groupon to identify similar resources to save on items in your community.

8. Amazon Coupons

Amazon Coupons allows you to save money on a variety of products this popular retailer sells. The possibilities include:

• Baby gear
• Electronics
• Groceries
• Personal care
• Pet supplies
• Smart home

Depending on the promotion, offers are either a percentage or a dollar amount off of the purchase price. You can search for offers by brand when you use the coupon search engine.

This money-saving website is a great resource to pair with an Amazon Prime membership if you frequently shop on the site. In fact, some of the best discounts are exclusively for Prime members.

Make sure to keep an eye on expiration dates since Amazon has the right to modify or cancel coupons at any time. The coupon may also only be good for certain product sizes or require a Subscribe & Save membership.

It only takes a few minutes to browse the coupons section and search for online deals. Amazon does a great job of letting customers know how many items are eligible.

You can see the discount details by clicking on the product listing.

9. RetailMeNot

RetailMeNot offers discounts for online and in-store merchandise purchases. For online shopping trips, you can enter discount codes to receive instant savings.

Many stores offer up to ten percent cash back via PayPal or Venmo.

Exclusive offers from merchants can also help you pay the best price. These special discounts may apply site-wide or for specific categories.

You can even save money at grocery stores by redeeming discount codes. However, you won’t see printable coupons on specific items.

Better yet, it’s possible to save up to 85 percent on medical prescriptions with RetailMeNot.

*Related: Need a cheap place to make copies? Read our guide on the cheapest places to make copies near me to find the best options to save money.*

10. Slickdeals

Slickdeals lets you find some of the best online shopping deals. You will find deals at your favorite retailers as well as discount sites you’ve never used before.

You can find BOGO (buy one get one) deals and bundle discounts. For example, a three-for-$20 deal is common on the site.

Additionally, there are digital discount codes that you can redeem at checkout. Deal hunters may like being able to read forums to find other savings that Slickdeals doesn’t show on their homepage.

This service makes it easy to sift through daily deals and the best online coupons. The deal-finding site also offers cash back on purchases at over 150 online stores.

You can redeem your rewards for PayPal credits, gift cards, and other rewards through the Slickdeals Cashback Rewards platform.

11. Coupons.com

Coupons.com is one of the best grocery coupon websites because you can save on many different household items. Shoppers can find free printable coupons for food, household, and personal care.

Digital coupons are also easy to find through the website or mobile app. You can filter by a specific brand or locate special deals in your area.

Online promo codes are available at participating merchants like Adidas, Chewy, and Kohl’s to save on clothing, electronics, and merchandise.

12. DontPayFull

DontPayFull is one of the best coupon apps to save money at retail stores. You will find the top sales and discount codes for online stores and services.

*Related: Want to order dinner in but don’t want to break the bank? Read our review of the top choices for food delivery near me to save money and stay out of the kitchen.*

Using the website is easy. To find savings, search for your favorite store, select your preferred coupon, and apply it at checkout. You can copy and paste the code to save time.

It’s also possible to view the best deals for a particular store. Clicking on the deal takes you directly to the product listing to explore the offer in-depth.

Be sure to check out the DontPayFull search engine for Amazon product prices. You can filter results by the discount amount and potential shipping costs.

Deal hunters should also visit the blog, which posts many articles about the best sales and occupation-based discounts.

Two drawbacks of this platform are that it doesn’t offer paper coupons or grocery savings.

13. Brad’s Deals

For online shopping discounts, try Brad’s Deals. You will see current promotions from well-known retail stores and small online merchants.

There are also digital coupons for online retailers. Some of the stores include:

• Amazon
• Best Buy
• Kohl’s
• Target
• Walmart

You can have Brad’s Deals email you discount alerts or view them in the mobile app. Unfortunately, there are no printable coupons or grocery store savings.

14. DealNews

DealNews lists the best shopping deals for clothing, electronics, and home goods from various online stores. Many of the discounts that populate on the site are from Amazon. You can browse by category or store name.

The DealNews mobile app has a coupon search engine and allows you to track online deals. It’s important to note that no coupons on the app or website are printable.

This app lets you personalize the coupon offers that you see when you choose your favorite deals in the “My Interests” section.

15. Hip2Save

Save time finding the best deals for fashion, toys, and small appliances through Hip2Save. The online coupon site highlights personally-tested deals, team favorites, and those worth the splurge for high-quality products.

Users can find offers for freebies and samples in addition to restaurant coupons and savings tips. This platform doesn’t provide supermarket savings, but you can get free recipes to compile your weekly grocery list.

How Do Coupon Sites Work?

The savings opportunities vary by platform. True coupon apps like Coupons.com offer instant savings when buying participating grocery brands.

However, most services are cash back apps that issue rewards points that you can redeem for cash back, gift cards, or PayPal shopping credits.

While you pay in full, you can use promo codes and store coupons to cut back on costs.

Coupons vs. Cashback

Digital and paper coupons help you spend less when it’s time to pay. Cash back offers a rebate in the form of a percentage of your purchase, but you must wait to redeem your rewards.

It’s possible to redeem coupons and earn cash back on many offers, but make sure you read the terms and conditions first. For instance, you want to avoid anything that has an account maintenance fee.

Both options help you save money on purchases, but the potential savings can vary. Additionally, coupons usually require you to buy specific products.

Where Can I Find Legit Coupons?

All of the options on our list provide legit digital coupons and money-saving opportunities, including rewards programs and price comparison tools to help you find a better deal.

Certain rewards sites only include discounts directly from the store or manufacturer.

However, some services allow user-submitted offers that may sound too good to be true. If so, it’s potentially a scam, and you should report it to verify its authenticity.

Are Coupon Code Sites Safe?

Typically, coupon sites are safe and protect your personal data. Nevertheless, it’s smart to use a second email address to receive deal alerts since these platforms send multiple offers per day with the latest opportunities.

These sites make money when companies send sponsored emails advertising a discounted product or service. They can also earn income when you make a purchase after activating a shopping session.

Bottom Line

Using coupon apps makes it easy to spend less on essential and optional purchases. Some savings are larger than others, but you can find great deals without putting in too much time or effort.

If staying within your budget is challenging, the best couponing sites can help. You might even opt to use some of these sites weekly to save on your regular household purchases.

How else do you save money on your shopping needs?

*Capital One Shopping compensates us when you sign up for Capital One Shopping using the links provided.

The post 15 Best Coupon Sites to Save Money in 2023 appeared first on Frugal Rules.

In 2022, the average tax refund was $3,012, almost $200 more than in 2021, when the average was $2,827.

Americans can use the tax refund money in many ways. It can be used to pay bills, take a vacation, decrease debt, boost savings, invest in stocks, or take advantage of a Roth IRA.

Taxpayers receive a refund when they pay more federal or state taxes than they owe. A tax refund is essential for many people, and they often wait apprehensively and worry about how quickly they will receive their tax refund.

How Long Does It Take To Get Your Tax Refund

According to the IRS, the agency issues nine out of ten refunds in less than 21 calendar days, provided they are e-filed and the direct deposit option is used. But the website also says tax returns requiring additional review may take longer.

Despite what the website states, many people know the wait can be longer, especially if you filed a paper return or requested a refund as a check. The IRS indicates that the time may be as much as four weeks or more for taxpayers filing paper returns to receive their refund.

If you e-filed but requested a check, expect to wait a month for your refund.

Mailing a paper return and requesting direct deposit takes about four weeks.

The longest wait is mailing a paper return and requesting a refund by check. This process takes about two months.

The IRS Faced Challenges

The Internal Revenue Service (IRS) struggled during the COVID-19 pandemic. The unprecedented challenge of filing millions of tax returns when workers were away from the office made processing returns challenging.

Over the past decade, the IRS has had its budget cut, causing chronic understaffing problems. It has also been hampered by a lack of access to new technology. The pandemic exacerbated these deficiencies.

In fact, in 2021, the IRS relied on manual processing of millions of returns, causing excessive delays. According to the Tax Advocate Service,

“At the close of the 2021 filing season, the IRS had 35.3 million returns awaiting manual processing. As the IRS is preparing to begin the 2022 filing season, it is poised to carry over millions of unprocessed returns and millions of pieces of taxpayer correspondence, resulting in even longer delays for taxpayers who have been patiently waiting for far too long.”

Is 2023 Better for The IRS?

The IRS began the year with a ten million tax return backlog. But the agency has received more funding through last year’s Inflation Reduction Act, allowing it to hire roughly 5,000 more customer service agents and install new technology.

As a result, the IRS has more people to handle the flood of returns this year. Consequently, the IRS is processing claims about ten percent faster than last year.

Also, Americans are filing their returns earlier. The combination of faster processing and earlier filings should expedite tax refund issuance.

Check Your Refund Status

If 21 days have passed and you are still wondering how long it takes to get your refund, then it’s time to check the “Where’s My Refund?” article on the agency’s website.

The IRS allows American taxpayers to check the status of their income tax refund as early as 24 hours after e-filing. But the time length may be as long as four weeks if you submit a paper return.

The information on this page is updated overnight each day. To use the tool, you must provide the tool-specific information: your Social Security number, filing status, and the exact refund dollar amount on your return.

The tool tells users:

• when the IRS received their return,
• when the refund was approved, and
• when the refund was sent

Another option is to use the IRS2Go app on your mobile phone. Similar to the “Where’s My Refund” page, the app provides a status update 24 hours after e-filing a return.

You can also consult a tax refund calendar to get a rough estimate of when you can expect your refund.

A third option is to call the toll-free number provided by the IRS.

Reasons Your Refund Is Delayed

Multiple reasons exist for a late tax refund. The IRS causes some, and some result from a taxpayer’s specific situation.

IRS Operational Delays

The first category is IRS operational delays. The agency processes millions of returns. However, it is often understaffed or dealing with antiquated technology. Both of these issues are reasons for delays.

Next, service interruptions may be caused by processing tax returns that need correction or answering mail from a taxpayer.

Return Specific Reasons

Filing on Paper

The main reason for a late refund is filing on paper and requesting a check. This IRS estimates a refund will be received in two months in this case.

The bottom line is that e-filing and direct deposit are much faster.

Claiming The Earned Income Tax Credit

An automatic delay will occur if the taxpayer claims the Earned Income Tax Credit (EITC). Congress stipulated in the Protecting Americans from Tax Hikes (PATH) Act passed in 2015 the agency must hold withhold refunds until February 15.

The IRS said earlier in 2023, refunds with this claim would be available by February 28 if the taxpayers filed early and asked for direct deposit.

Claiming The Additional Child Tax Credit

Similarly, an automatic delay to at least February 15 will happen if someone claims the Additional Child Tax Credit (ACTC).

Return Has Errors or Is Incomplete

Tax returns with errors or incomplete information will cause a delay. In these cases, the IRS will contact the filer by mail for more details. The agency’s website states,

“If we need more information to process your return, we’ll contact you by mail. If we’re still processing your return or correcting an error, neither Where’s My Refund? or our phone representatives will be able to provide you with your specific refund date.”

Common errors include a typo or a miscalculation. However, if you use tax filing software such as TurboTax, a miscalculation should not occur.

Sometimes filers select the wrong filing status or make another error preventing processing.

Skipping a line or filling out a form incorrectly, or other mistakes will prevent a return from being processed.

Fraud

On occasion, the IRS detects identity theft. For instance, if someone else used your Social Security number on a different return, your tax refund will be delayed.

Other Reasons

Other potential reasons for late refunds include requiring a more comprehensive review, filing an amended tax return, or garnishment. Also, an amended tax return may cause a wait for your refund of up to 20 weeks.

Additionally, if you owe a tax debt or child support payments, the IRS may take all or a part of your refund.

How Long Does It Take To Get Your State Tax Refund

Some may ask how long it takes to get your state tax refund. The answer varies. If you use electronic tax filing methods, they often require you to file your federal return before your state return.

However, in practicality, state refunds arrive before federal ones because they are more straightforward.

In general, expect your state tax refund in 30 days or less. But depending on the state, your money may arrive in as little as two weeks.

The best solution is to check your state tax agency’s website. Some have tracking tools or apps similar to the IRS.

What To Do With Your Tax Refund?

The average tax refund in 2023 will probably be around $3,000. Of course, higher-income earners tend to receive more than lower-income earners. But whether you receive a few hundred or a few thousand dollars, a good idea is to put the money to work for your future.

The leading option is to pay down debt following either the debt avalanche or snowball methods. Paying off high-interest rate debt first is the debt avalanche method.

Rising interest rates have made credit cards expensive, with a punishing average annual percentage rate (APR) of roughly 20 percent.

Paying off credit card debt can lower your monthly cash outflow. Alternatively, you can follow the debt snowball method and start by paying off the smallest balance.

Another good option is to build your emergency fund to deal with unexpected expenses. Unfortunately, many Americans have insufficient money to deal with unforeseen expenses.

Having six to twelve months of monthly payments in a savings account can provide peace of mind. CIT Bank is one good option to stash your savings as they have competitive rates.

If you already have a robust emergency fund, today’s higher interest rates are attractive for savers. Some high-yield savings and money market accounts are paying nearly four percent.

Short-term U.S. Treasury bills and bonds ranging from 1-month to 1-year pay over four percent. In addition, Series I Savings Bonds have many advantages and usually have higher interest rates than savings accounts.

Another option is to invest in stocks or bonds to build wealth and generate a passive income stream for retirement.

Speeding Up Your Tax Return Refund

The bottom line is filing electronically and requesting direct deposit is the faster way to receive your tax refund. In addition, completing your tax return earlier helps avoid the rush around the federal and state tax filing deadlines.

This article originally appeared on Wealth of Geeks.

What are you doing with your tax refund this year?

About the author: Prakash Kolli is the founder of the Dividend Power site. He is a self-taught investor, analyst, and writer on dividend growth stocks and financial independence. His writings can be found on Seeking Alpha, InvestorPlace, Business Insider, Nasdaq, TalkMarkets, ValueWalk, The Money Show, Forbes, Yahoo Finance, and leading financial sites. In addition, he is part of the Portfolio Insight and Sure Dividend teams. He was recently in the top 1.0% and 100 (73 out of over 13,450) financial bloggers, as tracked by TipRanks (an independent analyst tracking site) for his articles on Seeking Alpha.

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