Spend Less On Tech Gadgets

Purchasing the latest tech toys isn’t cheap. With the help of companies such as giftcardrescue, you are able to purchase discounted gift cards to stores such as Target that will help you Here’s how to soften the blow to your wallet.

spend less on tech gadgets

1. Sell your old device. Before upgrading to a new smartphone, laptop or tablet, consider selling or trading in your old device. Many retailers and wireless carriers offer trade-in programs. “The more current the phone or gadget, the more credit you can expect to receive,” consumer and money-saving expert Andrea Woroch says.

While retailers typically offer a gift card toward future purchases, trade-in websites including Gazelle, BuyMyTronics and Glyde offer cash. “Some sites will buy it from you even if it’s broke, though naturally you’ll get a lower buyback,” says DealNews.com spokesman Mark LoCastro. “That’s money that you can in turn use for your new gadget purchase.” You may get more money reselling the device yourself through eBay (EBAY) or Craigslist, but that option also requires more legwork to complete the transaction and more potential for the buyer to flake out or defraud you.

2. Know your needs. According to Stephanie Humphrey, weekly tech columnist for Ebony.com and founder of the blog A Matter of Life and Tech, it’s a good idea to determine how much storage space and what features you need before a shopping excursion. That way a slick salesperson won’t upsell you to a model that has extra bells and whistles you won’t use. Customers sometimes “go in and say, ‘Gimme that one,’ and it’s more expensive than what [they] need,” she says.

With most non-Apple products, you can usually add more disk space later if needed, although it’s often cheaper to buy the right amount from the start. If you must upgrade your disk space later on, Humphrey says you can save money if you buy the component pieces online and install them yourself.

3. Consider buying the previous generation. iPhone 5s may be popular among the tech cognoscenti, but if you’re price-conscious, consider an iPhone 4 or 5 (not 5s). “Electronics have one of the fastest depreciation values on any consumer good as manufacturers and brands release new updates and models on popular gadgets every few months,” Woroch says. “What’s hot today may be old news in a few months, so it’s not worth paying a premium just to get the latest bells and whistles.”

LoCastro adds that a previous generation device is often still capable of running the latest apps and software. “You might just sacrifice a faster processor or thinner design,” he says.

Timing your purchase to the release of a new model can also save you money. “The best time to buy a current-generation iPad is toward the end of its life cycle,” LoCastro says. “So the minute you hear rumors that a new iPad is in the works, chances are retailers will discount the current iPad. That rule generally applies to all types of gadgets, from smartphones to tablets.”

4. Look for open-box deals or refurbished devices. Many retailers sell open-box items at a steep discount. “Open box may just mean it was the display model, or [an employee] may have opened it to show someone and that person decided not to purchase that item,” Humphrey says.

Refurbished devices have typically been used and returned to the manufacturer, which usually restores it to factory settings and tests it for defects. Humphrey says it’s a good idea to buy refurbished products from a reputable source, and make sure it’s factory certified.

5. Exercise caution on secondary markets. Worldwide sales of smartphones to end users totaled 968 million units, and tablet sales reached 195.4 million units last year, according to Gartner (IT), a technology research and advisory company. Plenty of these functional devices wind up on the secondary market when the owner gets tired of them or decides to upgrade.

Craigslist and eBay are two popular sources for used devices, but they can be riskier than buying directly from a retailer or manufacturer. Humphrey likes that eBay displays reviews from previous buyers. “You want sellers that have a lot of ratings so you can get a feel for how many people have walked away satisfied,” she says. Just be cautious about what you read. “There’s a whole industry now around buying fake reviews,” Humphrey points out. Craigslist connects local buyers and sellers, allowing them to meet in person to test a device. “The only real way to know if a product is going to function is to power it up,” she adds. If you’re conducting a Craigslist transaction in a public place for safety reasons, you can easily test out a smartphone or laptop, but trying out a TV or other large device becomes trickier.

6. Skip the extended warranty (most of the time). Retailers make much of their money from selling extended warranties, not from the products themselves. Your credit card may automatically offer protection beyond a standard manufacturer warranty for some items, so it’s worth checking before you pay for an extended warranty. Also consider the type of gadget you’re buying. “When it comes to televisions, you’re usually safe to skip over this added expense,” Woroch says. “While warranties do offer peace of mind, HDTVs are surprisingly reliable.” Humphrey says you probably don’t need an extended warranty on a TV, but it might be worthwhile for a laptop or tablet. “You’re transporting those, so there’s more of a chance that you’ll drop it or scratch it,” she explains. Still, the manufacturer warranty may not cover accidental damage such as water damage, so read the fine print before you buy.

Original article on U.S. News

How I Cut My Food Budget In Half

Kali Geldis tells the DailyFinance about how she cut her food budget in half. If she would have known about services such as giftcardrescue.com, she could’ve saved even more!

With discounted gift cards to major grocery stores like Whole FoodsWalmartTarget, and more; saving hundreds of dollars a month is common. Here is her story.

cut your food budget in half

I opened up my budget tracking tool last November, and my jaw dropped — I had spent $1,200 on food that month. That’s when I knew I had to make a change.

Now, a few notes about that total: That includes groceries, restaurants, bars and fast food. Also, I prepared Thanksgiving dinner — $125 for couple of pies and a turkey for six people. However, that $1,200 number stuck with me — I needed to cut my spending on food.

It’s no surprise that food was a big budget-breaker for me — it’s one of the most common expenses on which financial planners see clients spending too much money. I definitely felt like I was throwing money away. There are so many other ways I could use that money — paying for a vacation, investing more money in an individual retirement account, saving for a down payment on a home, paying for a wedding.

It was when my now-fiancé proposed over Christmas that I knew needed to buckle down and cut my food spending by a lot. Weddings are expensive, and the money that was going toward nights out and nice dinners with friends was wrecking my budget. While I wasn’t going into debt, I realized it was just a matter of time. And debt is something I strenuously avoid. (I never carry a balance on my credit cards and am constantly monitoring my credit scores for free on Credit.com to make sure my credit utilization level is low.) If I was going to start cutting my food spending, I needed new rules for myself.

How I Cut My Food Spending in Half

  • Pack lunch for work. A simple step, yes, but I realized that I don’t need to pack a lunch every day for work, just pack supplies for lunches once a week. I realized I could get a big supply of baby spinach, some dried cranberries and some salad dressing, and have enough to last me for lunches the entire week. It made packing a lunch less of a hassle, and helped me avoid ordering lunch delivered to the office on Seamless on a daily basis. (I still let myself order in every once in a while.)
  • Make grocery shopping a priority. I’m a New Yorker, so stocking up on groceries for the week is more difficult than hopping in my car, filling up my cart and heading home. I have to carry all my groceries from the store to my apartment, and a week’s worth of food is shockingly heavy. I’ve opted instead to use Fresh Direct to order groceries every week. Even though I know I’m not getting the best deal on every item I buy, I know that by regularly filling my fridge, I’m not ordering a $25 meal from an online food delivery service. The savings adds up.
  • Just say no. Part of my food spending problem was that I would go out with friends and feel pressured to order another round of drinks, splurge on dessert, or get a bunch of appetizers for the table. I deserved it, right? I had to learn some self-control and think about the bigger expenses I really wanted — owning a home in a few years, saving money for my upcoming wedding (and the awesome honeymoon we want), and planning for a fully funded retirement. (Yes — I’m a millennial who is thinking about retirement — we do exist!)

I looked at my food spending in May — it’s down to about $600, a huge accomplishment, I cut my food budget in half! It took me about six months to really get into a groove with these new habits, but the payoff is big. My fiancé and I are on track to save more than $1,000 a month for our wedding, and we’re hoping to have a little left over to save for the other big costs down the road.

Food To Cut From Your Kids Diet

Food companies are good at marketing to unknowning consumers that their product is healthy when, in fact, it could be putting artificial and unhealthy ingredients into your kids diet. Below is a list of food to cut from your kids diet, instead find healthy alternatives that are equally as satisfying. With this list of food to cut from your kids diet, you can kick artificial food coloring and sugar to the curb. Try shopping at places such as Whole Foods to have a larger, healthier food selection.

foods to not feed to your kid

Kool-Aid Burst Cherry

 Red-stained mouths are common during the summer, as kids gulp down huge cups of Kool-Aid, made by Kraft Foods Group KRFT +0.25%  . But parents looking to cut down on artificial dyes may want to limit kids’ consumption of Kool-Aid Burst Cherry. The 2013 study shows that just eight fluid ounces of Kool Aid has 52.3 mg of artificial food coloring in it. The FDA says that children weighing 30 kilograms (66 pounds) shouldn’t have more than 210 mg per day of the red dye contained in Kool Aid — and just over 32 ounces of Kool-Aid Burst Cherry (that’s roughly the size of three cans of soda) would put your kids over the edge. Some groups don’t think any of this dye is safe: The Center for Science in the Public Interest, a nonprofit agency that advocates for safer foods, has lobbied the FDA to ban Red No. 40 dye. Kraft did not respond for a request for comment.

Kraft Mac & Cheese

It’s a dinner staple in many households, but the 2014 study shows that just one serving of Kraft Macaroni & Cheese has 17.6 mg of artificial food coloring in it, compared with fewer than 8 mg for a serving of Hamburger Helper, another family favorite. Even Cheese Balls have fewer than 9 mg per serving. The FDA says that children weighing 30 kilograms (66 pounds) shouldn’t have more than 113 mg of Yellow No. 6 or 150 mg of Yellow No. 5 — the dyes that color Kraft Macaroni & Cheese — per day; the CSPI names both of these yellow dyes as two of the three it wants the FDA to ban. Kraft did not respond for a request for comment.

Cap n’ Crunch Oops All Berries

With its cartoon captain on the front of the box and the sweet cereal inside, there’s a reason your kids love Cap n’ Crunch Oops All Berries. But the 2014 study found that just one cup of this cereal has 41.3 mg of artificial food coloring (red, yellow and blue dyes). This was the highest amount of dye per serving of any of the 10 cereals measured. Switching to regular Cap ‘n Crunch as well as Cap ‘n Crunch Crunch Berries are both better (though still not great) bets with 9.5 and 17 mg of artificial dyes per cup, respectively. Stevens says that “better yet, choose a whole grain cereal low in sugar that does not have any dyes.” Children shouldn’t have more than 210 mg of the red dye in Cap n’ Crunch, 150 mg of the yellow dye and 360 mg of the blue dye, according to the FDA. PepsiCo PEP -0.52%   referred MarketWatch to the Grocery Manufacturer’s Association for comment, which questioned the analytics of the Purdue study.

Keebler Cheese & Peanut Butter Sandwich Crackers

When parents hear cracker, they often think healthy. But they may want to proceed with caution. One package of these crackers has 10 grams of fat, 190 calories and only 1 gram of fiber. But it’s the dye that may give parents pause: A serving (eight crackers) of Keebler Cheese & Peanut Butter Crackers, made by Kellogg Co. K -0.21%  , has 14.4 mg of yellow dye in them; this is one of the dyes that CSPI want to ban. The FDA says children shouldn’t have more than 113 mg of this dye per day. Keebler did not respond to a request for comment.

Trix

 “Silly Rabbit, Trix are for kids.” There’s nary a child in America who doesn’t know that tagline, or at least know what Trix cereal is. But that sugary (there are 10 grams of sugar per one-cup serving), colorful cereal your kids love is loaded with artificial dyes (36.4 mg of red, yellow and blue dyes per serving, the second highest of the 10 cereals measured), the 2014 study showed. Children shouldn’t have more than 210 mg of the red dye in Trix, 113 mg of the yellow dye and 360 mg of the blue dye, according to the FDA. What’s more, in general, sugared colorful cereals tend to have one of the highest levels of dyes per serving, compared with popsicles and ice creams. A spokesperson for General Mills GIS +0.47%   says that the dye “levels in a product like Trix would actually be lower than what is listed by as much as 30%”.

Powerade Orange

Many parents think that Powerade Orange is a healthy drink to give Junior after his soccer or tennis match. Indeed, Powerade’s marketing campaigns say that it will help replenish electrolytes lost in sweat. But the study found that Powerade Orange, a product of Coca-Cola Co. KO -0.73%  , has 22.1 mg of artificial dyes in it per eight ounce serving. You’d be better off with PepsiCo’s Gatorade Orange, which only has 3.2 mg per serving or HyDrive Energy Orange, which only has 6.7 mg, though Stevens says that “100% diluted fruit juice over ice” may be even better.” The FDA says that children shouldn’t have more than 113 mg of Yellow No. 6 or 150 mg of Yellow No. 5, or more than 210 mg per day of the red dye. Coca-Cola did not respond for a request for comment.

Fruity Cheerios

Some parents think of Cheerios as a healthy breakfast, but if you’re worried about artificial dyes, you may want to steer clear of Fruity Cheerios. One serving of this cereal, a General Mills product, has 31.8 mg of red, yellow and blue dye. Parents might want to switch to Kellogg’s Special K Red Berries, as their berries are made from strawberries and don’t contain dye, or Berry Berry Kix by General Mills, whose berry balls are sweetened with fruit juice and also don’t contain dyes. Children shouldn’t have more than 210 mg of the red dye in Fruity Cheerios, 113 mg of the yellow dye and 360 mg of the blue dye, according to the FDA. A spokesperson for General Mills says that “the safety of both artificial and natural colors has been affirmed through extensive review by the U.S. Food & Drug Administration (FDA) and the European Food Safety Authority (EFSA).”

Sunny D Orange Strawberry

Sure, eight ounces of Sunny D Orange Strawberry has 100% of the government’s recommended daily allowance of Vitamin C in it, but it’s also got a lot of sugar and artificial dyes. Indeed, Sunny D Orange Strawberry drink, made by parent company Orangina Schweppes, contains 41.5 mg per serving of artificial dyes — that’s second only to Kool-Aid Burst Cherry among the 32 beverages measured. A Sunny D spokesperson says “the health and safety of our products is paramount, we use only FDA-approved ingredients and we stand behind the safety of all of our beverages.” The FDA says that children shouldn’t have more than 113 mg of Yellow No. 6 or 150 mg of Yellow No. 5 — the two yellow dyes the study found in Sunny D Orange Strawberry — or more than 210 mg per day of the red dye.

M&M’s

Parents know that candy isn’t healthy for kids, but many don’t realize how much artificial dye goes into it. One quarter cup of M&Ms (48 pieces) has 29.5 mg of dyes (red, blue and yellow) in it — the second highest of the more than 50 candies measured. They also have 27 grams of sugar in them — one of the highest levels of those measured. Mars says that their products comply with both internal quality and safety standards as well as government standards. The FDA says that children shouldn’t have more than 113 mg of Yellow No. 6 or 150 mg of Yellow No. 5, 210 mg per day of Red No. 40, 360 mg of Blue No. 1, 75 mg of Blue No. 2 — all of which the study found M&Ms contained.

Skittles

When your kids “experience the rainbow,” they’re also gulping down a lot of artificial dye. One serving (a packet, which contains 61 pieces) of the candy has 33.3 mg of artificial dyes in it. But perhaps even more disturbing to parents is the 46 g of sugar that go along with that. Wrigley, the maker of Skittles, says that all the colors used “comply with our own strict internal quality and safety requirements as well as all applicable laws, regulations and safety assessments relating to colors added to food.” Skittles contains the same dyes that M&Ms do.

5 Things To Consider When Getting a Credit Card

There seems to be a million different choices when getting a credit card. Different cards are better for certain people than others. DailyFinance.com explains what to consider when getting a credit card and how to avoid choosing a card that is wrong for you.

 things to consider when getting a credit card

1. Use comparison websites. The myriad of credit card options today is matched by a slew of comparison websites that make it easier than ever to customize your search for the right card for you. Google’s credit card search tool lets users narrow down their search by interest rate, rewards and a dozen other factors. IndexCreditCards.com, Bankrate.com, CreditCards.com, CreditKarma.com and NerdWallet.com all offer credit card search tools.

 

If you always pay your bill in full each month and never carry any debt, then you can take a closer look at the rewards options. Perhaps you prefer cash back to airline miles, or points that let you make purchases at retailers such as Best Buy (BBY) or Home Depot (HD). If you do carry any debt, though, then you’ll want to focus on minimizing the APR, or annual percentage rate. Just don’t sign up for the first offer you get in the mail because it might not be the best one for your situation.

 

2. Check up on the extra protections that come with your card. Credit cards come with various forms of protection, including from theft, non-delivery of items from a company and even extended warranties. If you travel a lot, then you might want to focus on cards that come with travel perks like insurance; if you buy a lot of large electronics, then the extended warranty protection might be for you. If you’re a big shopper, then price protection, which offers to make up the difference if an item you buy drops in price, could be your best bet. The important thing is to read the fine print, ask questions so you know what perks come with your card and to pick the card that has the benefits that are important to you.

 

3. Don’t be tempted by freebies. Credit cards sometimes offer tempting short-term benefits, including token gifts like T-shirts or a temporary zero percent APR. For the most part, you don’t want to get sidetracked by these offers because they mask the far more important factors, namely the interest rate and any relevant fees. In fact, you should probably ignore introductory gifts all together because you’ll have your card far longer than you’ll enjoy the added freebies. You can buy your own T-shirt later.

 

4. Avoid rewards cards unless you carry zero debt. On average, rewards cards carry higher interest rates than non-rewards cards. According to IndexCreditCards.com, the average interest rate on a consumer rewards card is currently 17.64 percent, and the average rate on a non-rewards card is 15.48 percent — that’s a full two-percentage point difference. It might not sound like much, but if you’re carrying debt each month, then you want to make sure you’re paying as little as possible for it. (Along with developing a plan to pay it off in full as soon as possible.) Any rewards are not worth the extra interest payments.

 

5. Rates and fees can be negotiable, so always ask. Credit card providers are sometimes more flexible than you might think. If you’re a good customer with a strong credit history, then you might have some leeway to ask for a lower interest rate or for an unexpected fee to be removed. You can sometimes negotiate better terms for yourself, especially if you’re a good customer who pays on time. There’s no harm in calling up the customer service representative to ask what they can do for you.

 

The bottom line: You want to make sure your credit card is working for you, and not vice versa. Pay off your bill each month so you’re not carrying any debt, and take advantage of the free rewards coming your way. If you do have debt, make a plan to pay it off, because the high interest rates on credit cards add up quickly over time.

20 Best iPhone Apps

Out of the hundreds of iphone apps that are now available on the itunes store, EliteDaily has introduced the 20 best iphone apps to download. If you are looking to purchase an iPhone, first get a discounted apple gift card to save.

1. Secret:

 

secret app iphone

 

Cheating, stealing, peeing in Pringles cans and money issues are just a few things you’ll find on Secret. The new social network gives you an anonymous look into the lives of other people. It’s definitely entertaining to read, but even more fun to share your own dirty laundry.

Price: Free


2. Evernote:

 

evernote app

 

When you want to be productive, use Evernote. The digital notebook makes it easy for you to jot down quick notes, make lists, record voice memos and even save web articles. What’s great about Evernote is that everything you create is stored in the cloud, so even if you don’t have your iPhone, you can still log in on the web and have everything you need.

Price: Free


3. Checkmark 2:

 

checkmark 2 app

 

Checkmark 2 is a gorgeous to-do list app. It’s much better than the one that comes with your iPhone because you can set reminders based on when you arrive or leave a certain location.

You can even set reminders for a specific time or date. To help keep everyone productive, Checkmark 2 also features reminders for groups, too. The price is a little steep, but it’s definitely worth it.

Price: $5.99


4. Acompli:

 

acompli app

 

Does dealing with emails bum you out? Acompli makes managing your digital messages easier. What’s great about Acompli is that it combines your email and calendar, making it easy to schedule meetings and keep on top of things you have to do.

Price: Free


5. Fantastical 2:

Image via Shawn Blanc

Fantastical 2 is the best calendar app around. We love it because it’s so simple to enter an appointment or task. Simply type, “coffee with kevin tomorrow and 8 am” and the app automatically fills in everything else. You’ll never forget an appointment again.

Price: $4.99


6. Spotify

 

Screen-Shot-2014-04-02-at-08.49.29-940x631

 

Spotify is hands down the best music app around. The app’s library is massive, with over 20 million songs, both old and new.

You can create playlists, listen to custom radio stations, discover new music and follow your favorite artists.

If you want to get the full Spotify treatment, consider its premium service. For $9 a month, you get ad-free access and can download playlists directly to your iPhone, this means you can listen even when you don’t have service.

Price: Free ($9 a month for Spotify Premium)


7. SoundFlake

 

soundflake iphone app

 

Soundflake is a brand new SoundCloud player. It looks great, and makes managing your SoundCloud account on the go ridiculously easy.

While Spotify has a huge music library, it often doesn’t have music as soon as it’s available. That’s when we turn to SoundCloud and can listen to all the new jams.

Price: $2.99


8. Litely

Photo Credit: The UltraLinx

The UltraLinx

When the regular Instagram filters don’t cut it, try Litely. The photo-editing app was created by the guy who made some of Instagram’s most popular filters, so he knows what he’s doing.

Price: Free


9. Google Docs

 

google docs iphone

 

Pretty much everyone has a Gmail account, which means everyone has a Google Docs account, too. The screen on your phone might be small, but with Google Docs for iPhone, you can create new documents or open and edit any that you started on the web or another device.

Best of all, you never have to worry again about losing your work — everything is automatically saved as you type. What are you waiting for, it’s time to ditch Microsoft Word.

Price: Free


10. Snapchat

 

snapchat app

 

Snapchat just had a huge update recently. Now you can chat and video chat moments with your friends, making the app much more interactive.

The new chats aren’t permanent so you can be as candid as you want, without fear or shame. Don’t forget that your friends can still take a screenshot though.

Price: Free


11. Fever

 

fever app

 

So, you want to go out but have no idea what to do… We’ve all been there before. Now there’s a solution: Fever. The event discovery app, gives you a curated feed of hot options with a social component that lets you and influencers share activities on the go.

Price: Free


12. Jobr

jobr_eliteadily

Jobr is the Tinder for finding a new job. Specifically, Jobr connects those searching for a new gig with employers and vice versa. You can get matched with recruiters, and even earn rewards for referring friends for positions.

Price: Free


13.  7 Minutes In Hell Workout & Weight Tracker

 

7minsinhell app

 

You want to get in shape, but don’t have a lot of time. We get it, and so does 7 Minutes in Hell. The app makes it incredibly easy to get in a vigorous workout.

You get 30 seconds for each of the 12 punishing exercises, with 10 seconds of rest in between, just in case you need to hydrate, catch your breath or vomit into a bucket.

Price: $2.99


13. Threes

When you have a few minutes of down time, check out Threes. The puzzle game challenges you to add together like numbers to get a high score. The challenge is never ending.

Price: $1.99


14. Piano Tiles

 

piano-tiles-app-for-iphone-android-ipad

 

Piano Tiles is like Rock Band or Guitar Hero except on your phone and it’s free. Playing Piano Tiles really gets your heart racing.

The idea is simple, tap the black tiles, don’t tap the white tiles. The game has multiple modes that allow you to race against the clock, it’s perfect for when you need to kill some time.

Price: Free


15. QuizUp

 

quiz up iphone

 

QuizUp is a fun trivia game that lets you challenge your friends or some strangers to see who knows the most.

You can use from over 400 categories with 250k questions. There’s something for everyone to enjoy on QuizUp and who wouldn’t want the bragging rights of knowing more than your friends?

Price: Free


16. HealthyOut

 

healthyout app iphone

 

Give Seamless a break and check out HealthyOut. The recently updated app shows you the healthiest options for delivery or take out near you.

HealthyOut promises that its curated selection of dishes offers half the calories and fat compared to other restaurant’s dishes.

Price: Free


17. Art.sy

 

artsy iphone app

 

Step your knowledge of the art game up. Artsy lets you explore, collect and share more than 100,000 high-resolution artworks.

From Monet, to Warhol, to Marina Abramovic, Jeff Koons, Ed Ruscha and Cindy Sherman, Art.sy spans everything from historical masters, to today’s top artists.

Price: Free


18. Comedy Central

 

comedy central app

 

Comedy Central’s new app lets you stream full episodes of nearly all the channel’s shows. It’s great when you want to catch up on new episodes or binge watch a series. Best of all, you don’t need an account or anything to sign in.

Price: Free


19. Circa

circa app iphone

You want to keep up with the news, but sometimes it’s too hard to digest, right? We get it. That’s why Circa is perfect for staying on top of breaking news across a ton of different areas.

The news app takes the news and presents it in a way that’s easy to understand and easy to read. You can also follow stories and get alerts once it’s been updated or more information has been released.

Price: Free


20. Make it Rain: The Love of Money

 

make it rain app

 

If you can’t make it rain in real life then at least make it rain virtually. The game is simple, you just swipe, swipe and swipe to see how much money you can blow.

Price: Free

Top Photo Credit: Shutterstock

Financially Savvy Gift Ideas

With graduations, father’s days, summer birthdays in the future, DailyFinance shares some great financially savvy gift ideas that will make your gift the highlight of the party. Staying financially savvy is an important trait to pass on to the people you care about. By using site such as giftcardrescue.com you can save money every day on gas, groceries, and clothes. Check out how to pass on the gift of money smarts to your family and friends.

financially savvy gift ideas

LOS ANGELES — Americans typically spend nearly $5 billion on gifts for graduates, with a little over half giving cash and a third offering gift cards, according to last year’s National Retail Federation survey.

Those surveyed spent an average of $49, which won’t buy a laptop, a retirement fund or many of the other gifts often touted as “financially savvy.”

If you actually want to do some future good with your gift, here are some money-smart suggestions for grads from personal finance experts, college consultants and recent graduates:

Living Life

Experiences give us more happiness than stuff, according to various researchers. You can put those findings to practical use in a variety of ways.

“I’m a sucker for experiences over products, so I might give a gift certificate or Groupon (GRPN) to a nice restaurant or a Paint Nite with a few friends,” said personal finance columnist Kathy Kristof, Los Angeles-based author of “Taming the Tuition Tiger” and mother of a recent college graduate.

(For her own daughter, Kristof bought the airline tickets for four months spent “kicking around the world.”)

College consultant Shirley Bloomquist of Great Falls, Virginia, sometimes buys gift certificates for lunch, dinner or a theater outing for the graduate and a friend.

Cooking Essentials

Learning to fix meals from scratch at home will save your graduate a fortune. A good basic cookbook, such as Mark Bittman’s “How to Cook Everything,” is one option. Kitchen starter sets are another. Ikea has 7-piece cookware sets for $25 to $50, while Caphalon and Oxo have kitchen gadget sets for $40 to $50.

College consultant Bloomquist recently gave a gift certificate for a cooking class to a law school graduate that she could share with some buddies.

Help Being Grown Up

Transitioning to the work world often isn’t easy. Grads may benefit from the services of a resume doctor, a career counselor, a wardrobe stylist, a fee-only financial planner — or other professionals.

“I know someone who had an interior designer just spend a day rearranging things in their apartment,” said Zac Bisonnette, author of “Debt-Free U” and “Good Advice from Bad People.” Such help, he said, “can turn an ad hoc sort of deal into something more adult.”

Professional help isn’t cheap, however. The cost for any of these services can be $150 an hour, or more. Some may offer discounted initial sessions, but givers on a budget may have to resort to self-help books instead.

For career advice, Lynn O’Shaughnessy, author of “The College Solution,” recommends “Getting from College to Career: Your Essential Guide to Succeeding in the Real World,” by Lindsey Pollak and “Graduate to a Great Job: Make Your College Degree Pay Off in Today’s Market,” by David DeLong.

Some other titles to consider:

  • “Get a Financial Life: Personal Finance in Your Twenties and Thirties,” by Beth Kobliner.
  • “Style Bible: What to Wear to Work,” by Lauren A. Rothman.
  • “Apartment Therapy: The Eight-Step Home Cure,” by Maxwell Ryan.

Prepaid Cards

If you’re still leaning toward a cash gift, you might consider a reloadable prepaid card that allows users to track their spending and offers some protection against loss, theft or fraud.

“The main advantage over cash is that cash tends to disappear quickly,” said Curtis Arnold, founder of CardRatings.com and BestPrepaidDebitCards.com. “I have a son that graduated a year ago, and I would never give him a cash gift … even though I required him to take a personal finance class during college.”

A prepaid card that charges fat fees is, however, the exact opposite of a financially savvy gift. Arnold recommends two lower-cost options: Serve from American Express (AXP) and Chase Liquid (JPM).

Serve has a $1 monthly maintenance fee, free point-of-sale transactions and none of the typical hidden third-party costs such as ATM and cash load fees, he said. Users can also send money by email, text and Facebook (FB) and set up subaccounts to easily share money among family members, Arnold said.

Chase Liquid offers unlimited free withdrawals at Chase ATMs. Point-of-sale transactions are free and there are no cash load fees. The card can be used for paying bills and its “sophisticated mobile apps” are well worth the $4.95 monthly maintenance fee, Arnold said.

The card you choose could well become the gift that keeps on giving.

“Once they spend your gift, they will hopefully consider reloading the card later rather than using a credit card and running the risk of increasing their debt load,” Arnold said.

10 Money Rules To Live By

Are you trying to save money and reach your financially goals? With mintlife’s, money rules to never ignore, having that extra cash at the end of each month shouldn’t be a problem. Saving money and being able to purchase the things you want doesn’t have to be a trade off. Using coupons and discounted gift cards allow you to purchase the products you want at a fraction of the price.

money rules to live by

There are no shortcuts.

If someone tells you they can double your money in no time with no risk, tell them you already know how. Then fold your money in half and put it back in your pocket. Risk and reward are correlated.

Doubling your money in a short period of time equates to a high return on your investment; that corresponds to taking more risk, not zero risk.

There’s nothing wrong with taking appropriate risk, but buying into an investment with those kinds of unrealistic promises is sure to disappoint.

Beware of the pretty, shiny things.

We are bombarded with new and better gadgets, toys, and opportunities for fun every day, all day. Madison Avenue survives by sowing seeds of discontent with our lives.

Sure, we all know that’s what they’re doing, but they’re really good at it!

We no longer have to look down the street to see what the Joneses are up to, we have Facebook to constantly remind us that our friends have better, newer stuff.

If we’re not careful, those seeds of discontent can take root and before we know it, we’re spending money on things to fill a need we didn’t even know we had.

Listen to your mom — don’t pay attention to what everyone else is doing, just worry about yourself and your goals.

Watch your waste.

Shiny objects aren’t the only source of needless spending. It’s painful to look at my own life sometimes and realize what I’ve frittered away.

Forgotten rebates, fruit that goes bad before we eat it, buying doubles of things because I can’t remember where I put them in the first time.

I suspect I’m not alone in this!

Save money, and do it intentionally.

Saving regularly through your 401K at work and toward your emergency fund are fundamentals of good financial health. But you should also stash money that you would have spent but decided not to.

Were you going to buy a new tablet but thought better of it? Pat yourself on the back for your frugality, and then take that chunk of change and put it in the bank instead.

Did you decide as a family to skip a dinner out this month to tighten your belts? Put that money away; don’t let it sit in your checking account.

That serves two purposes: It keeps the money from evaporating, and it gives you a psychological boost by seeing your savings grow.

Don’t wait until your debt is paid off to save.

It may seem more prudent to skip the savings when you’re paying off credit cards, but it’s important to continue to save anyway.

It takes time to form a habit, and training yourself to save is a great habit to form. So start now.

Aside from that, what will you do when your car breaks down and there is nothing in the bank to pay for the repair? Out comes the credit card, and there goes your progress.

It’s better to have some money put away to pay for those expenses, and change the mindset of funding your living expenses with plastic.

Don’t deprive yourself.

While you’re doing all these great, disciplined things with your money, don’t forget to let loose and have a little fun with it sometimes.

Being too strict with your spending can lead to feelings of deprivation, which in turn can lead to spending binges. Starvation budgets are much like starvation diets.

When you cheat, you tend to cheat big

Automate your finances.

Life is busy and the days fly by. Before you know it the month is almost over, and oops, that bill was due last week.

Schedule at least the minimum payments on your bills, so if you forget, you won’t be penalized with a late fee.

Plan out your monthly bills in advance, and take advantage of free bill pay if your bank offers it.

Automate your savings so you don’t have the opportunity to weigh whether or not you really can save that amount this month.

But don’t go on auto-pilot.

Automate what you can, but don’t go on auto-pilot.

It’s easy to stop paying attention to what is being charged monthly on your credit card or automatically paid from your bank account.

That can make you numb to your spending, and easy for it to get out of control.

Even though you have payments automatically scheduled, be sure to review your accounts regularly.

Purchase life insurance.

Buy enough life insurance to protect your family. It’s an extra bill, to cover something thatprobably won’t happen, but a small price to pay to provide for your loved ones if it does.

Group policies at work are usually the easiest to get, and that’s fine, but you should also have coverage you own personally, outside of work.

You never know when you will develop a health problem that will affect your insurability, and if you don’t already own a policy when that happens, you could be out of luck.

Or rather, your family will be.

Decide how much is enough.

Did you ever dream about a raise, and how that would make things more comfortable for you financially?  Then it comes, and things end up just as tight as before, and soon you are dreaming of the next one.

The increases in costs of living play a part no doubt, and our income doesn’t go as far as it used to. But it is also human nature for us to expand our lifestyle to fit our income.

Carefully consider what kind of lifestyle you would like to have, and when you get there, stop.

 

23 Gifts Dad Will Love

We picked our favorite Father’s Day gifts from MensHealth.com to bring your the best list of gifts dad will love this father’s day. If the way to dad’s heart is through his stomach, try getting him a gift card to Ruth’s Chris Steakhouse or Bahama Breeze.

DAD GIFTS

Source – The Daily Meal

 

1. Connor NYC e-stationery

There’s nothing like a handwritten card, but lately, Dad’s been on an iMessaging kick. Tell him about this Connor NYC app that brings together old school class and new school tech before he texts everyone “thx” on Father’s Day. He’ll just need to download the app, choose his stationery, write his message and send via email.

Free, itunes.apple.com

2. JKL Short Sleeve Polo Shirt

Unlike sunscreen, Dad just needs to put on this polo once to shield his skin from harmful UV rays. The pima cotton and cocona fabric is woven to provide UV protection. Cool factor:JKL, which stands for “Just Keep Living,” is Oscar-winning actor Matthew McConaughey’s activewear brand.

$60, dillards.com

3. Nautica Woven Bracelet

You’ll never forget the first time Dad took you to the shore as a boy or the smell of salt water in his hair when he’d carry you into the house. This Nautica bracelet will bring back those same memories.

$15, nautica.com

4. Coach Slip On Sneaker

Simplify Dad’s morning routine with these slip-on sneakers from Coach. They’re made of leather—just like his favorite pair of driving loafers—but hip enough to be worn to the ballpark.

$188, coach.com

5. Tommy Bahama Backpack Beach Chair

Dad will be the most popular guy at the beach BBQ thanks to this Tommy Bahama beach chair. Not only will he be able to fold it down and wear it like a backpack, but he’ll also be able to chill a six pack in the insulated cooler pouch.

$58, Tommy Bahama Red Backpack Cooler Chair

6. Banana Republic Printed Short

There were some good (but mostly pretty embarrassing) aloha shirts dad wore on those family summer vacations growing up. Luckily for him, the trend is back—and you know these Banana Republic shorts are a cool alternative.

$60, Banana Republic Printed Short

7. Oliberté Narivo Pullup

The best gift is one that gives back, and these 100 percent goat leather Oliberté shoes do just that. The sustainable brand believes in supporting its workers in sub-Saharan Africa—and workers all over the world.

$125, Oliberte Narivo Pullup

8. Dunhill Bulldog Steel Keyfob

With this weighted Dunhill keyfob, Dad won’t have to fumble through his briefcase every time he reaches the front door. And if he’s a dog lover, even better.

$360, Dunhill Bulldog Keyfob

9. Birdie Box Father’s Day Box

If you couldn’t find Dad on Sunday morning, chances are he was on the back nine—but he always made it on time to your little league tournaments. So give him this gift from Birdie Box that will have him looking—if not playing—like two-time Masters champion Bubba Watson.

$75, birdiebox.com

10. Tommy Hilfiger Signature Sport Sunglasses

Shield his eyes and keep him looking youthful with these cool blue sunglasses from Tommy Hilfiger.

$1, Tommy Hilfiger Sport Sunglasses

11. DODOcase x Ball and Buck iPad Case

Whether he’s a cool hunter or duck hunter, this camo DODOcase x Ball and Buck case will protect his iPad in theme with his favorite hobby.

$98, ballandbuck.com

12. Polo Ralph Lauren Surf-Wash Oxford

The crisp white dress shirt Dad wears into the boardroom shouldn’t be the same one he wears to the beach house. Make sure he’s dressed appropriately with this Polo Ralph Lauren oxford. Its 100 percent cotton, short sleeve construction make it the perfect weekend shirt.

$90, ralphlauren.com

13. Billy Kirk Leather Tray

Move a paper on Dad’s desk, and you might find random receipts and coins underneath. This limited edition Billy Kirk tray for Gilt will keep his change all in one place. What he spends it on, though, is yet to be determined.

$35, gilt.com

14. Filson Oil Tin Wine Tote

If your dad loves wine, help him look the part. This Filson wine tote will get him to the party in style—with his favorite wine pairings in tow.

$145, filson.com

15. Jack Spade Shell Jacket

Help him pack light—and dress light—this summer. Versatile enough to be worn over sweaters in the fall or over a T-shirt on his next vacation, this Jack Spade jacket also packs down into a pouch for easy storage.

$298, Jack Spade Shell Jacket

16. Owen & Fred Custom Leather Luggage Tag

Those elastic rainbow luggage straps aren’t helping Dad’s look. Help him identify his bag with a handsome luggage tag from Owen & Fred. If he has a carry-on and check-in bag, opt for the 2 pack.

$45, owenandfred.com

17. BeltCraft Custom Monogrammed Belt

That one reversible belt Dad’s been rocking since you were in college isn’t cutting it anymore—especially when BeltCraft offers affordable custom belts, which can now be monogrammed for that extra special touch.

$69 belt, $6 monogramming; beltcraft.com

18. Michael Kors Jet Set Saffiano Card Case

This Michael Kors card case will keep his cards and cash in order—while still looking cool.

$68, michaelkors.com

19. RoboReel Portable Power Cord System

Exhausted from watching your dad fight with his extension cord like it’s a Burmese python? Check out this motorized spool with one-touch retraction. It takes the hassle out of rolling up extension cord by reeling in your cord at the touch of a button, into a consistently neat and compact bundle. Its 360-degree rotation allows you to make the most out of the RoboReel’s 50ft, triple-headed extension cord.

$280, Portable RoboReel Power Cord System

20. Nike+ FuelBand

He may not like silver or gold, but this is one bracelet any fit guy would be willing wear: The Nike+ FuelBand tracks your daily movements, steps taken, and calories burned, and tells you how they measure up against your fitness goals. The wristband syncs with the free iPhone app to help you visualize your progress and goals while competing against friends for extra motivation or just sharing your success on Facebook. Whether it’s running between classes or kids, the Nike+ FuelBand helps make sure every step counts towards your fitness goals.

$75, Nike+ FuelBand

21. Zippo Wallet

Zippo’s lighters may be retro-cool, but at Men’s Health, we can’t advocate giving Dad a trendy excuse to light up. Thankfully, Zippo added a couple of other stylish accessories to its arsenal of old-school offerings this year, including this sleek, stainless steel wallet. The outer shell is impenetrable to RF thieves, and despite its flashy exterior, it’s still perfectly functional. Dad can stuff a wad of cash, six credit cards, and his ID comfortably inside.

$33, Zippo Wallet

22. Brinkmann Dual Function Gas/Charcoal Grill

Dad might say he doesn’t play favorites among his kids, but see how quickly that changes if he wakes up on Father’s Day and sees Brinkmann’s beast sitting out on the patio. The dual-function charcoal/gas smoker has three burners that are capable of pumping out 36,000 BTUs—and a side burner kicks in an additional 10,000. With 806 square inches of cooking surface, the only problem will be locating enough meat and veggies to pile onto the spacious stainless steel cooking grates. And between us, we all know who’s going to get served first.

homedepot.com, $300

23. Dad is Fat

Parenting ain’t easy. And if you don’t believe that’s the understatement of the year, flip through a few pages of Jim Gaffigan’s Dad is Fat in which the comedian sums up life with five kids. Among the observations: “There is no difference between a four-year-old eating a taco and throwing a taco on the floor,” “Toddlers always sound like they have traveled by horseback for hours to deliver important news.” You might not understand until you get there, but give this one to Dad to enjoy—perhaps while he’s lounging in that hammock—and watch him smile knowingly.

$10, Dad Is Fat

Shop Smarter On Amazon

Amazon is known as the internet go-to for finding the best deals on any product. Here is how to get even better deals!

amazon

Recent studies done by the Wall Street Journal find that Amazon’s prices can fluctuate as much as 9 times per day! If you pay attention you can get better deals on already low prices.

Be Informed: Knowing the products price history will help you to identify if it is a good time to buy. Camelcamelcamel allows users to get previous pricing data from Amazon as well as a slew of other information for a more informed decision. TheTracktor.com is another website to use if you are trying to get pricing information on a product. If you decide to track the item, you’ll receive an email any time the price is lowered.

Get automatic savings delivered to your doorstep: Amazon’s Subscribe & Save program is a combination of convenience and savings. Simply select items you buy regularly — anything from diapers to paper towels to office supplies — and Amazon will deliver them automatically AND give you 15% off. You choose how often the item is delivered (anywhere from monthly to every six months) and you can change or cancel deliveries any time. The caveat? Some items, like diapers, are generally a great deal, while others are on par with your local grocery store, so do a little comparison shopping first.

Click for golden deals: See that gold treasure chest at the top of the Amazon home page? Make it your first click for some of the best deals around. Every day, Amazon features a Gold Box Deal, several Lightning Deals, personalized discounts, and more. The Gold Box and Lightning Deals can be huge, especially when it comes to electronics. (I recently landed a printer for 50% off.) The savings on personalized deals aren’t as impressive — my offers today included a DVD for $0.50 less than the regular price and a video game for $1.85 off. Still, because these items are selected based on your purchase history, you can save a bit on something you’d buy anyway.

Protect yourself from price swings: It’s a little-known secret that Amazon prices change frequently, in some cases daily. The best way to play the price swings? Add items to your shopping cart in the “save for later” section and check back often. A yellow box at the top of the page will alert you to any price changes. It requires a little patience, but I’ve scored deals of up to 50% off using this strategy. Price drops from the Gold Box and Lightning Deals don’t show up on the Shopping Cart page, so you’ll still want to click the Gold Box icon for those.

Score cheap reads: If you like free books, you’ll want to bookmark Pixel of Ink or sign up for the site’s email newsletter. You’ll get notified of the best deals on Amazon’s Kindle e-books — most are $2 or less, and many are free. These aren’t just dusty old classics, either. Thanks to Pixel, I’ve got a virtual bookstore stocked with best-sellers, cookbooks, how-to guides, and kids’ books, all downloaded for free. Best of all, you don’t even need a Kindle: A free app allows anyone with a PC, Mac, iPad, or iPhone to read Kindle books.

Scout the bargain basement: Full of refurbished and open-box items, Amazon’s Warehouse (warehousedeals.com) is a great source of discounts on nearly everything Amazon sells, from Kindles to candles. As with any discount site, it helps to know the going prices for the items you covet: A deal on the P90X fitness system offered 30% off, while the discount on an Apple TV was just a few bucks under retail. Worried about defective merchandise? All Warehouse purchases are covered by Amazon’s standard 30-day return policy.

Hit the virtual outlet mall: Amazon’s Outlet doesn’t offer as many deep discounts as the Warehouse, but the prices are still better than retail and the selection is much wider. You can find the Outlet link by clicking that trusty treasure chest and looking right under the search box.

Slash shipping costs: The biggest downside of shopping online is the lack of immediate gratification. You order. Then you wait. And wait. Amazon offers a solution to this dilemma with Amazon Prime. For $79 a year, you get free two-day shipping on nearly everything. So where do the savings come in? First, of course, is the savings you’ll get if you buy a lot from Amazon. In the past year, I’ve bought everything from a pingpong table to dumbbells to a leaf blower — all shipped for free. Second, Prime can be shared with up to four other people, so if you get a group to split the cost, your share drops to just under $16. Finally, Amazon Prime includes free instant video streaming, which on a monthly basis is cheaper than Netflix’s (NFLX) new streaming-only plan.

Snag free shipping on everything: Prime is a decent deal, but it’s even better when you get it for free. Amazon offers two programs that let you do just that. If you have a .edu email address, Amazon Student gives you a free year of Prime. Don’t qualify? Try “Amazon Mom.” You don’t have to be a mom, or even a parent, to qualify. You’ll get three months of Prime for free, 30% off on diapers, and you earn an additional month free for every $25 you spend on qualifying items (up to a year). Here’s the quirk: While most of the qualifying items are kid-related, not all are. Just look for the “Amazon Mom” banner on the product page. I’ve found it on a seemingly random assortment of furniture, electronics, and household items. (Note: Neither of these programs includes free instant video.)

Sign up for tailor-made savings: Amazon helpfully offers dozens of email subscriptions — select the categories you most often shop to be notified of special deals and discounts. My favorite is the “New Deals at Least 50% Off” (find it under the Outlet category).

Charge ahead!: Only for the most die-hard Amazonian, the Amazon Visa card is a good way to compound your Amazon savings, IF you commit to paying it off every month. You’ll get a $40 credit when you sign up, plus three points for every dollar spent at Amazon, redeemable for — you guessed it — Amazon gift certificates.

Article written with help from DailyFinance

16 Target Shopping Secrets

If heading to Target is the highlight of your week, here are some awesome secrets that will help you save money and have a more fruitful experience. Purchasing a discount Target gift card before hitting the store will allow you to save even more!
Flickr: partymonstrrrr / Via Creative Commons

1. Target has a schedule for when they mark product pricing down. The schedule is as follows:

Monday – Electronics, Accessories, Kids Clothing, Books, Baby, and Stationery

Tuesday — Domestics, Women’s Clothing, Pets and, Market food items

Wednesday — Men’s Clothing, Health and Beauty, Diapers, Lawn/Garden items, and Furniture

Thursday — Housewares, Lingerie, Shoes, Toys, Sporting Goods, Decor and Luggage

Friday — Auto, Cosmetics, Hardware, and Jewelry

Target has a schedule for when they mark product pricing down. The schedule is as follows:

Target / Via facebook.com

2. The price tag will tell you what percentage the markdown is.

The lower left shows the original price and the upper right hand corner shows the percentage off for the markdown.

The price tag will tell you what percentage the markdown is.

3. If the price tag ends in $0.06 or $0.08, the item will be priced down again.

As long as there is inventory in the store. It will probably remain on clearance for around 2 weeks.

If the price tag ends in $0.06 or $0.08, the item will be priced down again.

Target / Via facebook.com

4. If a price tag ends in $0.04, it is final clearance andwon’t be marked down again.

They’ve gotta draw the line somewhere.

If a price tag ends in $0.04, it is final clearance and won't be marked down again.

Target / Via facebook.com

5. Target enforces a limit on the number of returns you can make without a receipt.

It’s no more than $75.00 a year.

Target enforces a limit on the number of returns you can make without a receipt.

Target / Via facebook.com

6. All electronics and entertainment purchases have alimited amount of time in which they may be returned or exchanged.

You have 30 days after the day of purchase.

All electronics and entertainment purchases have a limited amount of time in which they may be returned or exchanged.

Target / Via facebook.com

7. Beyond the 5% off it gives it’s users, REDcard debit and credit card holders will receive an extra 30 daysto return nearly all items purchased with their REDcard at Target and Target.com.

And there’s no annual fee.

Beyond the 5% off it gives it's users, REDcard debit and credit card holders will receive an extra 30 days to return nearly all items purchased with their REDcard at Target and Target.com.

Target / Via facebook.com

8. You can return Target purchases by mail for free.

Just visit the online return center and print out a prepaid return label. Target will pay the return shipping fees.

You can return Target purchases by mail for free.

Target / Via facebook.com

9. If you find an item in a competitor’s ad, bring it to Target and they’ll match the advertised price.

No questions asked.

If you find an item in a competitor's ad, bring it to Target and they'll match the advertised price.

Target / Via facebook.com

10. If you pay with a check, you have to wait 10 daysbefore you can get a refund in cash.

Otherwise you have to settle for a Target GiftCard.

If you pay with a check, you have to wait 10 days before you can get a refund in cash.

Target / Via facebook.com

11. Target has mobile coupons available to be sent directly to your phone.

You can sign up here. You don’t have to clip coupons anymore.

Target has mobile coupons available to be sent directly to your phone.

Target / Via facebook.com

12. And the Target app gets 10 or more new couponseach week.

Your cashier can just scan your phone if you decide to use one and the app is FREE to download.

Lara Parker for BuzzFeed

Lara Parker for BuzzFeed

13. The Cartwheel app is a free app that Target recently debuted. It offers several deals that change weekly that offer different ways to save than the Target app does.

The app will link to your Facebook, but you can choose whether or not you allow it to post for you. It’s beneficial for you that it links to your Facebook because the more friends you have using Cartwheel, the more coupons you get to use. For example: one week Cartwheel may offer 15% off women’s shoes and the next 10% off all Women’s Underwear. You can search the app easily and find exactly what you need to buy.

Lara Parker for BuzzFeed

Lara Parker for BuzzFeed

14. If you find an item on sale that you wish to purchase but the store runs out of stock, you canrequest a rain check.

This means that no matter what, when the item is restocked you can purchase it at sale price.

If you find an item on sale that you wish to purchase but the store runs out of stock, you can request a rain check.

Target / Via Facebook: target

15. At most Targets, for each bag that you bring in to use, you will receive $0.05.

That adds up!

At most Targets, for each bag that you bring in to use, you will receive $0.05.

16. You can find brand new Target merchandise for cheap at Goodwill.

After Target clearances certain items and they still don’t sell, they will then donate those items to Goodwill.

You can find brand new Target merchandise for cheap at Goodwill.

Flickr: jeepersmedia / Via Creative Commons

Go forth with this information and prosper.

Go forth with this information and prosper.

NBC
If you would rather skip Target and shop at Walmart, find out how to coupon to save.
Original article from Buzzfeed.com