Keurig Mini Recall- Free Repair Kit

Keurig Green Mountain is recalling more than 6 million hot beverage-brewing machines in the United States that could overheat liquids and burn users (apparently, this event is more likely to occur if the brewer is used to brew more than two cups in quick succession). The systems being recalled are the MINI Plus Brewing System units with model number K10 (formerly identified as B31) produced prior to July 2014 – note that no other brewer models have been affected.

To determine if your brewer is among those units potentially affected based on its serial number displayed on the bottom of the unit (pictured above), head over here or call 1-844-255-7886 Monday through Friday from 8AM-8PM ET and Saturday and Sunday from 8AM-3PM ET or email keurig@inmar.com (call center will be closed December 25, 2014 and January 1, 2015). If your brewer is affected, you will be able to obtain a free repair kit which resolves the potential issue. Go HERE for more information.

11 Great Donations to Make

If you're feeling charitable or just have some stuff you want to unload, consider these simple donations you can make before 2015 comes around. (Just make sure you keep good records for the tax man!)

1. CLOTHES AND HOUSEHOLD ITEMS

There's a good chance you'll get some new clothes and other stuff for the holiday season. Now may be a time to donate some of your older (but still usable) items to a thrift shop or charity such as Goodwill. You'll free up some closet space and get a 2014 tax deduction in the process. This time of year, coats and other warm-weather items are especially needed.

2. FOOD

Local food pantries are always in need of donations, especially during the winter months. Drop off a few bags of canned goods, or get in touch with a charity such as Meals on Wheels to donate food to a shut-in. You're probably cooking a ton for the holiday feast anyway, so set some aside for a needy family.

3. SHARES OF STOCK

If you've seen portions of your investment portfolio rise in 2014, why not share the wealth? Donating shares of stock is a great way to help out a charity because unlike a cash donation, the contribution may rise in value. You get a tax deduction by donating, and also avoid any capital gains fees you might have otherwise incurred by selling.

4. A CAR

If you're thinking of buying a new car in 2015, consider donating your car to charity this year to get the tax benefits. Many charities will accept donations of cars, which they then sell at auctions and pocket the proceeds. Other charities turn the cars over directly to needy families. A car donation is tax deductible, and many charities will even go through the effort to pick up the car from your house free. Donating your car makes sense if you feel like you wouldn't get much for a trade-in anyway.

5. NEW TOYS

It's almost impossible to avoid seeing the U.S Marines manning Toys For Tots stations all over the country. A donation of a new toy will help ensure a great Christmas for an underprivileged child. This year, Toys For Tots is looking to collect 7 million toys. Go toToysfortots.com to find a drop-off location near you.

6. OLD BUILDING MATERIALS

When my family built a new addition to our house, we donated some old windows and a sliding glass door to a local charity that recycles such things. It was a stress-free way to unload the items, and we got a sizable tax deduction. Contact the Building Materials ReUse Association to see if there's a charity near you.

7. YOUR TIME

Rather than spending a day at a mall indulging in retail excess, consider taking time to help out at a soup kitchen, food pantry, or other charity. Better yet, consider making a commitment to volunteer not only during this holiday season but throughout the year.

8. YOUR ARTISTIC TALENT

This time of year, it's common for organizations to have parties featuring silent auctions as fundraisers. If you're an artist or photographer, why not donate a painting or photograph? It's a great way to direct money to a charity and perhaps also get some exposure for your skills. Similarly, a musician could volunteer to perform holiday music at a charitable event, or even offer free lessons.

9. CASH

This may seem lazy, but most charities are more than happy to receive monetary donations. In fact, sometimes money is the best gift to a charity because they know better than anyone what specific items they need. Donating cash could be as easy as dropping some coins into a Salvation Army pot, or writing a sizable check to another non-profit group.

10. BLOOD

This time of year, blood donations are often low because people are so busy. But it's a great way to give back in a way that won't cost you a dime. I make a point of donating blood every December 24 at my local Red Cross donation center. It gets me in the Christmas spirit, and there are usually free cookies. Go to RedCross.org to locate a blood drive or donation center near you.

11. MONEY TO YOUR FUTURE SELF

This may not be a "donation" in the classic sense. But it's still a great idea to try to max out your retirement accounts by the end of the year. If you have an IRA, you can contribute up to $5,500 for 2014. Any contribution up until April 15, 2015 counts toward 2014, but why wait?

Source: Wisebread.com

What to Buy (And Avoid Buying) in December

FIRST, WHAT TO BUY…

So, it's that time; the Christmas and holiday shopping lists are being made, and it's time to start digging out the best deals to keep everyone happy and your wallet in check. Here are the deals you should pounce on this month.

Gift Cards

If you're smart, you can grab yourself some free money by buying select gift cards that come with incentives. You can get $25 to $50 in free gift cards by spending $150 to $200 on them. If you were planning to shop at those stores anyway, you've just bagged free money. Even places like Chipotle will give you a free burrito for buying a certain amount in gift cards. If you eat their food often, you're golden.

Thanksgiving Merchandise

When Thanksgiving ends, the stores are desperate to dump their stock to fill the shelves with Christmas goodies. Make a space in your basement or attic for the killer deals you'll find on decorations, cards, cookware and much more. There are also going to be huge discounts on Thanksgiving themed food and drink. It's still fresh; it's just got a dated theme. Who cares?!

Thrift Store Goodies

If you aren't shopping in thrift stores, you're missing out on some unbelievable bargains. Most people are too busy with the upcoming holidays to bother listing unwanted items on eBay or Craigslist, so they drop them off at the local ARC or Goodwill. Not only will you find some items in like new condition, you'll also get incredible bargains on items you can resell on eBay for a massive profit. One great find could pay for your whole shopping list, if you know what you're looking for.

Christmas Decorations and Goods

Wait a second. Don't go rushing out for these now. You need to wait until after December 25th. But after that, go hog wild! The stores do not want all that merchandise clogging up their shelves. Expect to see 50% to 90% savings on everything from trees and lights to yard decorations, cards, and gift-wrap. Remember, Christmas will be here again next year, so buy now to save later.

Champagne

It's odd, putting champagne on the discount list when this is the peak month to buy it. But, liquor stores are smart. They know that by making champagne a loss leader, they'll make it back on the other booze you'll buy. However, you don't have to buy anything else — just grab the cheap champagne and celebrate in style.

Cars

As the year comes to a close, and the bad weather comes rushing in, car dealerships are clearing out inventory. They'll drop their prices to do it, and offer huge incentives. If you don't mind braving the weather on those cold, open lots, you could drive into 2014 with a great bargain. However, it's always better to buy used, even if it's just a year old. New cars depreciate quickly.

Homes

Just like car dealerships, sellers of homes have it tough at this time of year. Most just take their homes off the market to ride out the winter months. So if houses are on the market, the sellers are very motivated. Now is the time to do some home hunting, and dare to undercut asking prices by a chunk.

Kitchen Supplies

Manufacturers know this is the season for cooking impulse buys, and they'll do what they can to lure you in. A nicely timed discount will tip people from "maybe next month" to "I'll take it." So with all the different holidays and events coming, you can stock up on new kitchen gadgets and save more than a few bucks. Also, consider wedding gifts, which may be coming up in the spring.

Toys Go Cheap

Deals on lots of toys pop up in December every year, even though they're in high demand. There is insane competition between all the different toys, and so manufacturers are cutting prices to grab your attention. It's good news for you and the kids, but there is a catch — you'll have to wait until Mid-December.

Tool Prices Are Cut

It's not a great time to be doing DIY, but it's a great time to stock up on the essentials everyone needs to get the jobs done. You'll see prices cut on all sorts of tools and equipment, from power drills (go for Lithium batteries) and bench saws to screwdrivers, wrench sets, and sanders.

AND, WHAT TO AVOID…

With the exception of Cyber Monday, there are some deals that are too good to be true in December. With 2015 quickly approaching, you may see some good offers on older equipment, gadgets, and appliances. Make sure you're okay with dated products before you dive in. Here are other things to avoid this month.

Gym Memberships

I said it last year, and I'll say it again. Gym memberships and subscriptions hit a peak in the New Year, and they are starting to see those increase in December. A lot of people like to have the membership in place, so that they can get straight down to the hard work in the first week of January. It's going to be this way for a while, so just find another way to stay fit. Craigslist will have some killer deals thanks to new equipment for Christmas.

Electronics

Aside from Cyber Monday, the best deals for your electronic gadgets have come and gone. What's more, any deals you may find will be on the 2014 stock that retailers are trying to clear out before the 2015 goodies arrive in the New Year. Do yourself a favor, and wait it out.

Jewelry

People love giving jewelry at this time of year. And when people love doing something, retailers love charging them top dollar for it. So unless you really have to drop some of your cash on rings, necklaces, and other sparkling items, wait until next year for that pricey item.

Calendars

Unless you absolutely have to put a brand new calendar up on the stroke of midnight on New Year's Eve, you should steer clear of calendars. They are expensive right now. Full price, everywhere you look. But come a few weeks into 2015, the prices will start to fall like the rain in Seattle. You can expect to save at least 50%, and when February comes around, stores everywhere will be almost giving them away. Really, with the smartphones and tablets, does anyone really need them as reminders anymore?

Winter Gear and Clothing

It's cold out there. Snow shovels, big coats, hats, gloves, boots, and all the other winter gear is marked at full price for the next few months. If you really need them now, consider Craigslist or thrift stores to save some cash.

Source: Wisebread.com

What to Buy (And Avoid Buying) in November

The big, big shopping day of November is Black Friday. So called because it was traditionally a day when stores went from being in the red (or in debt) to being in the black (or profitable), it's now synonymous with large crowds, crazy shopping sprees, early morning doorbusters, and those inevitable fights after standing inline for four hours. But you don't have to wait until Black Friday for great deals. Look out for these starting November 1st.

Halloween Everything

The day after Halloween (and sometimes the evening of Halloween) the stores will start clearing out their stock of spooky merchandise. That's great news for anyone who is celebrating Halloween on Saturday or Sunday night this year, as you can bag a last-minute costume for at least 50% off. Stores like Target and Walmart will start slashing prices after a few weeks, with $50 and $60 costumes going on sale for less than $10. If you have plans for a costume for 2015, see if you can grab a bargain now. You can always store the really cheap ones, and sell them for a profit before next Halloween.

Candy

Hot on the heels of the costumes and accessories, Halloween candy gets slashed early this month. Remember, this is all perfectly safe to eat, with expiration dates months (or even years) off. Of course, the pumpkins and ghouls make it seasonal, and it has to go. So, if you don't mind some out-of-date wrappers (and who does?) grab yourself some sweet treats.

Laptops and Notebooks

The smaller the better, as far as pricing goes. This month, you will see stellar savings on laptops and notebooks. If the sales are anything like last year, you can expect to pick up a decent 13" laptop for around $200 including taxes. Just a few years ago, these laptops would have been double that price. Apple typically sells their stock a little cheaper this month, but don't expect amazing deals. Even with the company floundering compared to its Steve Jobs days, it still doesn't like putting bargain prices out there.

Sneakers and Summer Footwear

If you're a sneaker and sandals fan, November is your month. The winter shoes are coming out, and the summer stock is being cleared fast. But, people are still going on vacations to sunnier places, and it won't be long before the warmer weather is back here again. Do a little online shopping and expect to see the price of great sneakers drop by at least 50%.

Wedding Dresses and Paraphernalia

When it's cold and grey outside, those wedding day photos can look pretty grim. Very few people like getting married in the winter months, and so they're not going shopping for the wedding dress and other accessories. Even if your wedding is in July or August, pick up a dress now. The bridal stores get large stocks of wedding dresses in at this time of year, ready for the rush after the Christmas and New Year engagements. Take advantage of that, and browse the empty stores with a bargain in mind.

Turkeys

Thanksgiving month is turkey month. So you'd think, with turkeys being in high demand, that the prices are high, too. Well, far from it. The turkey breeders have been preparing all year for this month, and it's when a glut of turkeys hits the market. It's cheaper to buy turkey at this time of year than any other, and if you plan wisely, you can even pick up a decent one for free. Yes, some stores will be offering free turkeys to people spending a certain amount of money. It varies by store, so check your local papers and online ads.

Toys Are a Strong Bet

As we noted last year, you no longer have to wait for until Black Friday, or early December, for the toy bargains. As Black Friday is now more focused on electronics, computers, appliances, and loss leaders like DVDs and Blu-rays, toys are getting overlooked. So the retailers are dropping the prices earlier. Also, Saturday, November 8th is Neighborhood Toy Store Day. You'll see a lot of promotions around that.

Kitchen Gear

As the season of cooking and eating comes into full effect, you'll notice bargains in the kitchen and appliance aisles of your local retailers. Last year saw a record number of deals in these departments, particularly pots and pans and baking dishes, so now is the perfect time to stock up on essentials, before the holiday rush.

HDTVs

At this point, there won't be a month that goes by without HDTVs being hot items. Yet again, prices are dropping, this time fueled by the Black Friday madness. And it's not madness to tell you that on Black Friday itself, you will be able to pick up 60-inch 1080p sets for just over $400. Actually, I take it back… that's just nuts. You'll also be able to pick up a 42-inch 1080p set for under $200, which is just as crazy. Remember though, these deals come with long lines, and the inevitable pushing and shoving. Don't get caught up in the insanity.

And, What to Avoid

November is actually one of the best months for shopping. There are not a lot of landmines, or shopping traps, to avoid. But based on the last few years, there are a few so-called "deals" that you should stay away from. Here's what to avoid.

Travel Deals

The travel season is just starting to heat up, and so the deals are not yet worth looking at. You'll see modest price reductions on a select number of vacation packages, but as demand for booking vacations is so high, the prices stay high as well. Wait a while. However, you should see some nice deals on hotel rooms around this time, especially if you fancy booking a fancy suite in Vegas on Thanksgiving Day or Christmas Day. Hey, some people do it, and they save a bundle.

Winter Clothing and Gear

It's a no-brainer. Avoid the brand new selections of outerwear, including coats and jackets, skiing equipment, boots, winter shoes, gloves, scarves, and the usual rosy-cheeked accessories. This is not the time to go shopping for the upcoming winter season. Wait until January, and the prices will plummet.

The iPad Mini 3

It's slightly new and improved. But not really. For the extra money you'll pay for it, you won't see much of a difference. Save your money, you can bag some huge bargains on Black Friday, and the iPad Mini 2 is just as good. Is Apple going to do anything innovative anytime soon? It doesn't look like it.

Souce: Wisebread.com

20 Fun Ways to Entertain the Kids for Free

If you've ever been stuck wondering what to do with your kids on the weekend, this list is for you. You don't need to spend a dime to entertain your family and bond in the process. Sometimes the best things in life really are free! (See also: 47 cheap, Fun Things to Do This Weekend)

1. VISIT YOUR LIBRARY

We frequent our local library at least every week for free storytimes. Plus, you can pick up books, DVDs, and other materials to entertain your child for free. Many libraries also arrange toys in their children's section, and it's a great place to meet other parents to set up play-dates.

2. CHECK THE COMMUNITY CALENDAR

While you're at the library, check your local paper (or click online) and any bulletin boards for any and all events going on in your area. Very often colleges, universities, and other community centers will host family events that are free and open to the public.

3. CRASH STORE EVENTS

Sometimes book stores, grocery stores, craft stores, toy stores, and other merchants will host free activities. More often than not, these events are intended to get you to come into the store and buy things. So, consider leaving your cash and cards at home and sticking to the zero dollar budget.

4. MAKE COOKIES

Spend a Saturday afternoon in and use your baking powers to mix up a big batch of sugar cookies. Take your time and cut out shapes with cookie cutters. Then frost them. Get artistic. Encourage your child to take the lead. Small activities can turn into big learning experiences.

5. PLAY GAMES

Start a weekly tradition of playing board games with your kids. I've seen games that allow kids as young as three to participate. You can also try charades with older kids, and a deck of cards is useful in a pinch.

6. CAMP AT HOME

Skip all the site fees and other camping costs and set up the family tent in your backyard. What I love about backyard camping is that you don't necessarily have to sleep outdoors to enjoy all the fun. And you can fire up the grill for a good old fashioned cookout! (See also:This Is How You Grill Pizza At Home)

7. CREATE A SENSORY BIN

The youngest children get a kick out of homemade sensory bins. Fill a shallow plastic container (choose one with a top) with rice, corn kernels, uncooked noodles, and anything else that boasts some interesting texture. It's like a cleaner version of a sandbox that you can play with indoors.

8. VISIT MUSEUMS ON FREE DAYS

Many museums are either free or donation-only. Those that do charge admission sometimes have admission-free days each month or season. Check the museum's website or call ahead for more information.

9. REUSE CARDBOARD BOXES

Take all the cardboard boxes you intend to recycle and turn them into something great. You can make race cars, boats, robots, and even entire houses! We often do our grocery shopping at Aldi and use the boxes they stock to transport our food home. Our daughter gets hours of enjoyment! (See also: What You Should Never Buy From Aldi)

10. BUILD A LIBRARY

Have you heard of Little Free Libraries? They are tiny "houses" you place books into for your neighbors to borrow. (They can leave books for you to read, too!) If this concept sounds cool to you, take a weekend to build and decorate a structure. Then identify a few old books on your shelf that you'd be willing to share. (See also: Free Books: Little Libraries That Build Community)

11. MELT CRAYONS

Take all those odds and ends of your child's crayons and turn them into neat shapes with swirled colors. You just preheat your oven to 300 degrees Fahrenheit, place crayons in a silicone mold, and bake for 15 minutes. Let cool completely before using.

12. RIDE A BIKE

Head to a local park or hit the sidewalks for a family bike ride. You can have a destination in mind, like a playground, or just wander the streets. Sometimes you'll discover more free things to do — street performers, festivals, neighborhood gatherings — on the go.

13. RAKE LEAVES

It may seem like a chore at first, but getting the whole family involved with raking leaves will get the job done faster. Or maybe not. Half the fun of completing this chore with your kids is jumping in them. Make sure you drink a warm mug of cider when you're done.

14. USE PERKS

If you have store or restaurant loyalty cards, take a weekend and use as many free meals, ice creams, pizzas, doughnuts, and whatever else you've earned. I like to store my coupons and cards in a plastic zip pocket inside a three-ring binder. That way, I don't lose anything and can quickly check there before heading out the door.

15. GO GEOCACHING

Take your family on a real life treasure hunt using your GPS device. You'll navigate to specific coordinates and look for clues to get you to your next destination. Little explorers are sure to love this activity.

16. CREATE A HOME THEATER

Save yourself the high ticket and concessions costs and watch a movie at home. Make it legit! Have the whole family wear their pajamas, pop some popcorn in your microwave, and turn out all the lights. You can even make it a double feature for the same $0.00 price tag.

17. WALK IN NATURE

Grab a bag or container and head into your backyard or local hiking trail. Have your child collect small plants, leaves, nuts, flowers, and any other natural treasures. Then bring them home and identify them. Your little scientist might also like to make his or her own terrarium and add to the collections as weeks go on.

18. PARTY AT THE BEACH

Well, now that the weather is getting colder, you won't go to the actual beach. Instead, have an indoor beach party. Turn the thermostat up a degree, fill up the tub with water and some floatation devices, and have you kid put on his or her swimsuit. You can lay out on the living room floor, pack and indoor picnic, and slip into your sandals.

19. CRAFT

You don't need an expensive subscription service to do crafts with your kids. Gather up all your crayons, markers, glues, glitters, stickers, pipe cleaners, and other supplies and create DIY Craft Kits. Whatever you group together doesn't have to make anything specific. The magic is in the creativity.

20. HOST A SLEEPOVER

Invite a couple of your child's friends over for a sleepover using some of the activities above. You can make homemade pizza versus getting takeout. Play hide-and-seek with flashlights. Build forts. Play board games. If you kid is a little too young for a whole night, make it an afternoon!

Source: Wisebread.com

10 Types of Bargains You Should Skip

1. GOING-OUT-OF-BUSINESS SALES

Take care these aren't run by a liquidation firm that is trying to get as much money as possible for the products. You'll find products marked down that are actually marked up from the original selling price, but are now being compared to a Suggested Retail Price.

Investigators at ABC news found on "product after product we could peel back the surface price tags to reveal the old prices below. For example, the surface price tag on a Calphalon saucepan said $124.99. But the one underneath said $109.99. Rachael Ray cookware? $199 on the new label, $179 on the old. The tag on a curtain scarf said $39.99 on the top, but peel it back carefully and there was another price tag for $27.99 below."

In some cities, stores have been "going out of business" for years. Even when Blockbuster went out of business, the prices they were charging for used DVDs were comparable to the prices of new DVDs online.

2. REALLY CHEAP FOOTWEAR

They may look decent enough, but your feet deserve good support, and any shoe or sneaker under $20 is going to have some major quality issues. A lot of these shoes are made in very undesirable places by impoverished laborers, and the emphasis is always about making the cheapest product possible. Not only will they give you back problems and cause blisters and other foot maladies, they'll also disintegrate within a few months of wear.

Unless it's a genuine quality shoe that was marked down by 80%-90%, you should avoid cheap footwear at all costs.

3. ZERO-INTEREST FINANCING

There's a caveat to this one. If you are someone who is meticulous about paying bills, and know with absolute certainty that you'll never miss a payment, you should consider it. Otherwise, don't bother. Free credit comes with a ball and chain of legal documentation that is designed to jump on you should you miss a single payment, or not pay off the loan in full within a certain time frame. The interest is calculated throughout the life of the loan, often at an exorbitant rate (think 25% and greater) and it's all added on if you make one mistake. Zero-interest financing can be great for a select few, but for others, it can be a nightmare.

4. DOORBUSTERS

Black Friday is coming, and you'll see adverts and flyers advertising insane "doorbusters" deals. Just be careful with these, and do your research. Doorbusters items are often old models that the store wants to dump, or are not even bargains at all. The Wall Street Journal found that many of these doorbusters were available at lower prices at other times that year, and pricing research firm Decide Inc. found that "nearly one-third of the products had been sold at lower prices this year." It may say doorbuster, but it doesn't mean it's a deal.

5. MANY BOGO OFFERS

BOGO used to mean Buy One, Get One free. Now it means anything from Buy One, Get One 50% off, to Buy Ten, Get One free (which is technically BTGO). The BOGO offers can be great money savers, if you want two or more of anything you're setting out to buy. But they are often designed to coax you into buying more of a product than you really want; and often, more of a product that the store is trying to get rid of. Just remember to average out the cost of the product, and if you can use all of it (especially if it's a perishable).

6. FLOOR MODELS

Stores like Best Buy will often let you buy floor models at reduced prices, but beware. First, you have no idea how long the floor model was actually on display. This is not a big deal for a dishwasher or fridge because they aren't in use. But for HDTVs, Blu-ray players, laptops, and other electronics, it's significant. You can ask an employee, but usually they don't know. Being on for 18 hours a day is wearing out the life of the product, and you don't want to take that risk. You also have to consider factory warranties, any missing accessories, and return policies. Then, look at the price of a new product (it may be on sale), or one that is "open box." The latter is a much better deal as it will be a reduced price for something that's simply missing its packaging. Floor models are often too big of a risk, despite the hefty discount.

7. EXTENDED WARRANTIES

Also called service plans, these are sold to you as a bargain. "It's just an extra $50 to cover your product for three years," says the store clerk as you're checking out with a $200 printer. Well, it's $50 you don't need to spend, and it adds a significant cost to the item you're buying. Consumer Reports says, "Our data show that products usually don't break during the two-to-three-year period after the manufacturer's warranty expires and the service plan is in effect." To put it bluntly, you're paying for something that won't be needed until it's expired. Don't bother. It will be money down the drain.

8. INTEREST CHECKING ACCOUNTS

Banks want you to skip the free checking and earn interest on your money. But it is often just a way to get you paying a monthly fee for a return that's almost insignificant. You will often need to keep a minimum balance in that account to earn a paltry rate of return, and when you look at the statements every month you'll see your banking fees are greater than what you're getting back. Unless you've got a ton of money in a regular free checking account (which is unlikely), you should stick to traditional free checking.

9. RENTAL CAR INSURANCE

It may sound cheap enough at the counter when you're signing the paperwork; especially when you compare it to the hundreds, or even thousands, of dollars you may have to spend should someone even ding the car while it's in your possession. But the truth is, most people don't need it. Your current car insurance policy will usually extend to a rental car. If you pay with a credit card, it will almost certainly offer rental car coverage in the transaction. The sales clerk will scare you with bug numbers and what-if scenarios, but seriously, skip the "bargain" that's "just a few extra bucks for a lot of protection."

10. OVERDRAFT PROTECTION

Federal law now states that you have to opt in to overdraft protection (it used to be an opt out clause) but you really need to stay away from it.

The pros of overdraft protection are weak to say the least. Sure, you won't have your card declined at the register, or be humiliated in a restaurant. But to be honest, you really should have a better handle on your money to avoid that ever happening anyway.

The cons? They're huge. A simple $4 cup of coffee can cost you $35 in overdraft protection fees. In fact, a study by Moebs found that "the average customer who took out a $100 loan from a payday lender paid about $17.97 in interest and fees, compared to the $27 average for overdraft fees." When something is looking bad next to a payday loan, you know it's awful! See if you can link your checking to your savings account. It's your money you're using, not the bank's.

Source: Wisebread.com

Baby Wipe Recall

Effective October 25th, there has been a nationwide voluntary product recall on select baby wipes distributed by the company Nutek Disposables as some packages may contain bacteria.

This recall affects wipes that were manufactured under the brand names including Cuties, Diapers.com,Femtex, Fred’s, Kidgets, Member’s Mark, Simply Right, Sunny Smiles, Tender Touch, and Well Beginnings. These wipes were distributed by Nutek prior to October 21st, 2014 to the following retail stores: Walgreens, Sam’s Club, Family Dollar, Fred’s, and Diapers.com. For more information, go here.

Truvia Class Action Law Suit

Did you purchase at least one Truvia Natural Sweetener product in the United States between July 1, 2008 and July 24, 2014? If so, you qualify for up to a $45 check or $90 worth of FREE Truvia Natural Sweetener Products via the Truvia Natural Sweetener Settlement.

To submit your claim, head here and complete the form no later than December 5, 2014. You can also request that a copy of the claim form be mailed to you by calling 1-888-512-0492 or request the form by e-mail at mail@TruviaSweetenerLawsuit.com. You may choose to receive either a cash refund or a voucher for free products. Click here for more information.

** No proof of purchase is necessary to obtain settlement benefits. However, the Claim Form must be signed by you under penalty of perjury (either by hand or, if you submit it online, electronically), affirming that you are a qualified member of the Settlement Class and that the information provided therein is true and accurate to the best of your knowledge. **

AT&T Customer Refund

If you are a current or past AT&T Mobile customer (AT&T customers after January 1, 2009 are eligible) and you believe that you may have been charged by AT&T for unauthorized third-party charges (like subscriptions for ringtones and text message subscriptions for horoscopes, celebrity gossip, and flirting tips), then you may be entitled to a refund.

To submit your claim, head here and complete the form no later than May 1, 2015. To request a refund, you will need either the AT&T billing account number or mobile phone number for the affected account. If you are unsure if you are eligible for a refund, contact the FTC’s refund contractor at 1-877-819-9692 for more information.

73 Easy Ways to Save Money

The first step to saving dough is to have a go-to list of cost-cutting strategies in your pocket. Below are 73 ways to cut spending, some more orthodox than others. Find just a few that work for you and watch the savings add up. (See also:The 10 Things Everyone Should Be Saving For)

1. CANCEL CABLE TV

With so many streaming options like Netflix, Hulu, and Amazon Prime, there's barely any reason to pay for cable TV. at all. Unless you watch a whole lot of new programming, it's even cheaper to buy your shows by the season through itunes.

2. FIND A CHEAPER CELL PLAN

Don't overpay for minutes or data that you're not using. Likewise, be sure to shop carriers every time your contract is up to make sure you're buying from the cheapest service provider (assuming they also offer the best coverage, of course).

3. SHOP FOR GROCERIES WITH A LIST

A list can help keep you from adding needless items in the shopping cart (chocolate chip cookies, anyone?) that can flatten your wallet while fattening your waistline.

4. SHOP YOUR HOME AND AUTO INSURANCE POLICIES

There are no discounts for loyalty these days. One expert I spoke with recently estimated a$600 – $800 annual savings by comparing insurance carriers every couple of years. That's a big bang for a couple of minutes worth of work.

5. BUY DISCOUNT PHARMACEUTICALS

Large retailers are increasingly offering discounted pharmaceuticals. GoodRX.com compares prescription prices to help you find the lowest costs in your area. Both Target and Walmart have a large list of generics that are priced at $4 for a month's supply. Shop Rite also offers a discount generics program as well as free short-term supplies of prenatal vitamins and diabetes medication.

6. THROW A POTLUCK PARTY (INSTEAD OF GOING OUT)

Going out to eat is expensive. Why not have your friends over, instead? If everyone brings a dish or drink, you can all eat like royalty for the night — for next to nothing.

7. LEARN TO SEW

Taking your duds to the tailor for button and rip repairs can add up, not to mention the price of scrapping the item altogether and buying new. Why not learn to sew and make minor repairs on your own at the fraction of the price?

8. ASK YOUR CREDIT CARD COMPANY FOR A RATE REDUCTION

If you carry a credit card balance, any reduction in rate can help shave a couple of dollars off your costs. Before you call, be prepared with any offers you've received from competitors and come to the phone with a script, like this one. If you have a $5,000 balance, a 5% rate reduction could save you $250 over the course of a year.

9. CONSIGN CLOTHES YOU DON'T WEAR ANYMORE

Clearing clutter not only saves space and time, but it can also pad your savings account, if you send your castoffs to your local consignment shop. Most consignors offer you a percentage of what the items sells for, keeping the remainder for themselves to pay for overhead and as profit. If you're not wearing the duds anymore, it can pay (literally) to clean house.

10. LEARN TO COOK

A recent study found that it costs $12.28 per person to dine out, on average. If you live in a major city or have champagne tastes (like me), it can cost substantially more. Cut your dining costs by at least half by cooking more of your meals at home.

11. COOK MEALS IN BATCHES

Save time and money by doubling or tripling recipes when you cook. It takes just as much effort to cook one meal but you'll end up with two or three nights worth of dinners (saving you time as well!) plus you can save cash by buying groceries in bulk. (See also: Save Time and Money With a Bulk Cooking Weekend)

12. OPEN YOUR WINDOWS

Cooling costs add up in the summer. Instead of turning on the air conditioner, open up the windows. You'll save money and air out the house at the same time.

13. TURN OFF THE LIGHTS

Don't let your electric bills get out of control. Listen to what dad always said and turn off lights when you leave a room.

14. UNPLUG UNUSED APPLIANCES AND GADGETS

Even if they're not in use, they're still draining electricity, so long as the plug is in the socket.

15. BORROW BOOKS, EBOOKS, AND AUDIOBOOKS FROM YOUR LOCAL LIBRARY

Voracious readers know that book costs can add up quickly. Save yourself some dough and borrow from your local library instead. Most libraries have added e- and audio books to their catalogs, so you can borrow in your favorite format.

16. DECLUTTER

Decluttering your home helps you find the things you already own — so you're less likely to make the mistake of buying items in duplicate or triplicate (of which I am guilty!). Bonus: You'll also save time because you'll know where everything is. (See also: Do This One Thing a Day to Defeat Clutter Forever)

17. USE LED LIGHTBULBS

A household can save over $6,000 by switching their home lighting from incandescent bulbs to LEDs. The bulbs cost substantially more up front, but they're extremely energy efficient. They can last between 11 and 17 years, even if used up to 12 hours a day. Over time, the higher up-front cost of the bulbs will pay you back in substantially lower energy and replacement costs.

18. CANCEL UNUSED SUBSCRIPTIONS

Unread magazine subscriptions needlessly clutter your space and drain your wallet. If you're not reading the issues, let the subscription go.

19. CANCEL UNUSED MEMBERSHIPS

It's easy to let memberships services like those to Netflix and your local gym run, even if you're not using them. Check out where you're being billed monthly for a service you don't utilize and get canceling.

20. BUY USED

Consignment stores are good for more than just selling. You can often buy high end brands at a fraction of the price at your local consignment shop, eBay, or from sporting goods resale shops. Great finds can also be found at yard sales and estate sales.

21. SET UP A BABYSITTING CO-OP WITH FRIENDS

Long gone are the days when a local teen would watch your kids for $3 an hour. Today's babysitters charge anywhere between $10 and $20 per hour, depending on where in the country you live and how many kids you have. Instead of breaking the bank to get some much needed quality time with your partner, set up a babysitting co-op with other local parents.

22. BROWN BAG YOUR LUNCH

One online calculator estimates a New Yorker can save $31,200 over 10 years by packing a lunch instead of going out. Even workers in less pricy cities can see substantial savings from a homemade lunch. (See also: 25 Quick, Cheap Lunch Ideas)

23. PERFORM ROUTINE MAINTENANCE ON YOUR CAR

Your car's regular service isn't the place to scrimp. Changing your car's oil and filter every 3,000 – 10,000 miles (depending on what your owner's manual recommends) is the best way to avoid engine failure, which can add up to thousands of dollars in repair or replacement costs. That's just for starters. To avoid costly repairs, follow your auto manual's recommendations for air filter changes, tire rotations, brake checks and more.

24. WEAR MORE TRADITIONALLY STYLED CLOTHES

Following fashion trends can be expensive, particularly for women. Traditional or conservative style choices go out of fashion less often, meaning you can update your wardrobe less frequently.

25. PLANT A VEGETABLE GARDEN

According to one blogger, the Burpee Seed Co. estimates a $1250 produce yield for every $50 a family spends on seeds and fertilizer.

26. CHECK OUT FREE OR CHEAP COMMUNITY EVENTS

Most communities offer free or inexpensive community events like these, found in New York City. Check out your local chamber of commerce or township website for what's available near you. Most often you can stay entertained without spending a dime.

27. DITCH YOUR CAR

According to AAA, the average annual cost of owning a car is $8,876 per year. If you live in a walkable area or in a city with a good transportation system, you could easily forego that cost.

28. PACK YOUR OWN VACATION SNACKS

Most major theme parks will let you carry your own snacks through the gate and the savings can really add up. A snack-sized serving of grapes costs $3.69 in Walt Disney World's Magic Kingdom while you can buy an entire bag at the grocery store for about the same amount. Pack a backpack on your next day trip and you can shave beaucoup bucks off your final day's tab.

29. PACK SNACKS AND COFFEE FOR YOUR CAR TRIP

We all want to break up a long drive with a stop at Starbucks. In my area, a tall frappuccino costs over $4. Add in another for my spouse and some snacks for the kids and a little diversion can add up to over $20. Instead, bring some brew from home and pack kiddie snacks in a couple of ziplock bags.

30. NEGOTIATE FEES WITH SERVICE PROVIDERS

Everything is negotiable, so… negotiate!

31. USE COUPONS

If you don't like the coupon clutter, check one of the latest coupon apps like RetailMeNot orFavado.

32. VACATION WITHIN DRIVING DISTANCE

Airfare rose 2% in 2013 and flyers coughed up $3.4 billion in fees last year. Bring down the cost of your vacation by going Griswold style and packing up the station wagon (or minivan).

33. EXERCISE AT HOME

According to one source, the average cost of a gym membership is $55 per month. Instead, check out these exercises that will give you a gym-quality workout for free.

34. PAY OFF YOUR DEBTS

The average household owes in $7,221 in credit card debt at an average fixed rate APR of 13.02%. All that interest adds up to money that's needlessly being paid out to credit card companies. Stop the cycle, pay in cash, and stash those payments in your own account. (See also: How to Wipe Out Your Credit Card Balance)

35. SAVE YOUR LOOSE CHANGE

Put it in a jar at the end of each day and watch the pennies add up.

36. QUIT SMOKING

A pack of cigarettes costs $5.51, on average, and THEY KILL YOU.

37. BREW YOUR OWN COFFEE

One blogger estimates the cost of a cup of home brew at 16 cents per cup. Compare that to your local coffee shop.

38. USE FEE-FREE ATMS

Find one here.

39. PAY EXTRA TOWARD YOUR MORTGAGE

Calculate your potential annual savings here.

40. WEATHERPROOF YOUR HOME

You'll save on energy and replacement costs by insulating pipes, installing storm doors and windows, and caulking cracks.

41. BUY CLOTHING ON SALE

Retailers want to make room for new merchandise at the end of a season and usually slash prices to a fraction of what you'll find at high season. Take advantage of the savings by buying off season and preparing for the following year.

42. BUY CONSIGNED CLOTHING ONLINE

Consignment stores aren't just for selling your cast offs. Check your local options or check out some of the newer online consignors like Twice, ThredUP, or Greene Street Consignment.

43. BUY HIGH QUALITY CLOTHING

Don't like to buy used? Invest in higher quality duds that will stand up to wear and tear over the years. The upfront cost may be higher but over time you'll be shopping far less often.

44. LEARN TO IRON

The average two-piece dress costs $12.47 to dry clean. Iron your pieces at home and you can stretch the time between dry cleanings.

45. SET GIFT PRICE LIMITS

The average cost of Christmas for families in 2013 was $801. Birthdays and holidays don't have to be as expensive if you talk to your loved ones and set a price limit on gift giving. It's the thought that counts, anyway. Right?

46. BUY A SMALLER HOME

Because lower utility bills, lower maintenance costs, less to clean, less to furnish, and lower tax bills. Need I say more?

47. LIVE CLOSE TO WORK

One blogger estimates you can buy a house priced $15,900 more for each mile you live closer to work.

48. MOVE TO A CHEAPER CITY

According to one online calculator, it costs half as much to live in Chapel Hill, NC as it does to live in New York City. Make your own comparisons.

49. GET A ROOMMATE

Half the rent, half the utilities.

50. PAY YOUR BILLS ON TIME

Chronic late credit card payers can face a fee of $35 per month, in some instances. That's an added expense with no included benefit. (See also: How to Get Rid of and Avoid Late Fees)

51. DOWNSIZE TO ONE CAR

Save on the added insurance and maintenance costs of the extra set of wheels.

52. DOWNSIZE TO A SMALLER CAR

A sedan has a lower sticker price and also guzzles less gas than an SUV.

53. SKIP THE CREDIT CARD WITH THE ANNUAL FEE

There are plenty of reward cards available that don't tack on an unnecessary annual fee.

54. CANCEL YOUR LANDLINE

91% of Americans carry a cell phone so there's little reason to maintain the expense of an additional land line.

55. SEND YOUR KID TO A CHEAPER COLLEGE

In his latest book David and Goliath, Malcolm Gladwell argues that the academically gifted will rise to the top at a lower-tier school and that there are many esteem-boosting advantages to this education strategy. You and your kid can also save a whole heck of a lot of money in the process.

56. KEEP DRIVING YOUR BEATER

A paid off car has one major advantage over a new car: It's paid off. Think twice before you upgrade to a newer model with a hefty monthly price tag.

57. CREATE A PERSONAL WAITING PERIOD

One study found that North Americans spend more than $4 billion per year in impulse buys. Create a cooling off period for yourself and go home to think about a purchase, before you make it. You'll be surprised by how much you'll save.

58. USE CLOTH DIAPERS

For new parents who can stomach the added responsibility, cloth diapering can save a family several thousand dollars by the time baby turns two and a half.

59. SKIP YOUR SUPERMARKET'S PRE-CUT FRUITS AND VEGETABLES

The markup is high and they expire faster. Cut your own and save.

60. BUY GENERIC GROCERIES

Generic groceries usually taste just as good as their more expensive brand-name counterparts. They're also cheaper.

61. EAT HOMEMADE SOUP

Invest in a $20 crock pot and throw all your leftovers in the pot. Dinner is made when you get home from work, it was cheap, and it's good for you. Triple win. (See also: Thursday Night Soup: Delicious Soup From Leftovers)

62. MAKE YOUR OWN BREAD

Baking bread is easier than you think. A homemade loaf also costs a small fraction of a store-bought loaf.

63. FREECYCLE YOUR CASTOFFS

Declutter your life by taking advantage of your local freecycle community. You can also find a few new things for yourself, at zero added cost.

64. MOW YOUR OWN LAWN

The cost to hire a service to mow your lawn averages between $0.06 and $0.31 per square foot. Mow your own and you can save a bundle over time.

65. GO TO THE MATINEE

From the movie house to Broadway theater, matinee showings are substantially cheaper. If you're paying for a few friends or family members, the cost can be cut dramatically by watching a show in the afternoon instead of evening.

66. MAKE FRUGAL FRIENDS

Frugal friends can help you keep your savings goals on track, inspire you with new ideas, and won't encourage you to break the bank on the newest trends.

67. HAVE YOUR SHOES REPAIRED

Repairing quality footwear is usually more cost effective than buying cheaper shoes more frequently. A quality pair of men's dress shoes can last for 10 years or more, particularly if they're resoled or re-crafted. A good cobbler can extend the life of your shoes for decades.

68. BUY CHEAPER WINE

The research shows that we really can't tell the difference between an expensive bottle of French wine and a cheaper bottle of domestic swill. Save yourself the bucks and buy cheap. If you're serving guests and want to look upscale, invest in a decanter, just for show.

69. SHOP CONSIGNMENT SALES FOR KIDS CLOTHES AND TOYS

There are consignment sales throughout the country where parents sell their castoff toys and clothes for a fraction of the cost of buying new. Find one near you and save big.

70. DRESS FOR THE WEATHER

Before you crank up the heat, grab a cardigan to stay warm. Offset the cost of high fuel costs with appropriate winter gear in the house. Sweaters, fingerless gloves, and fleece pants help keep you warm in cold weather.

71. VACATION IN THE OFF SEASON

A September beach vacation can cost half of what it costs in July or August. (See also: Top Travel Reward Credit Cards)

72. VACATION VIA A HOUSESHARE PROGRAM

Services like Airbnb give you the opportunity to find unique vacation accommodations while you save a few bucks. You can also earn some cash by renting out your own place while you're out of town.

73. DRINK AT HOME

Skip the expensive bar and have your nightcap at home with friends.

Source: Wisebread.com

Consumer News: Kindle Unlimited

Amazon.com may be set to debut an unlimited e-book subscription service based on pages that were posted to its website before being taken offline. Early on Wednesday, observers began noticing pages from the Seattle online retailing giant advertising “Kindle Unlimited” a service that will offer “unlimited access to over 600,000 [e-book] titles and thousands of audiobooks on any device for just $9.99 a month.”

Source: Forbes.com

23 Money-Saving Items Everyone Should Own

Can I get this cheaper?

This is a question that all thrifty shoppers ask themselves before opening their wallets. And well they should: Less expensive is good. But what about items that actually save you money over time? (See also: 101 Ways to Save Money Around the House)

It's time to pile savings on top of savings with these 23 money-saving items that everyone should own.

1. RECHARGEABLE BATTERIES

Remote controls, wall clocks, cameras, toys, smoke alarms. There are just too many items that take batteries around the house. Instead of shelling out big bucks for new batteries every month or so, invest in a set of rechargeable batteries. Not only will you stop wasting time running to the store, but also you will avoid the frustration of finding out that stored batteries have no charge. Just make sure to unplug the battery charger when not actively charging your batteries. Battery chargers continue to draw electricity even then.

2. EFFICIENT SHOWERHEADS

Showering accounts for about 17% of residential indoor water use. High efficiency showerheads optimize the amount of water that needs to flow through your hot water heater. By installing efficient shower heads, the average American family can save about $70 on water costs per year and more on water heating costs. Look for the U.S. Environmental Protection Agency's WaterSense label to ensure satisfactory showerhead performance.

3. OUTDOOR SOLAR POWERED MOTION ACTIVATED LIGHTS

Outdoor lights represent a challenge in many ways. By being on for several hours, they use a lot of electricity. Also, you need to remember to turn them off the next day or they keep ramping up your electricity bill. Harness the power of the sun and motion sensor technology and get solar powered motion activated lights. The lights draw energy from the sun during the day and activate only when they sense nearby movement.

4. ENERGY STAR WASHING MACHINE

The average American family does about 300 loads of laundry every year. An Energy Star certified washing machine uses about 20% less energy and 35% less water than conventional ones. If your washing machine is over 10 years old or a top loading model, you need to take action! It is estimated that if every household in the U.S. switched to an Energy Star washing machine, we would together save about $250 million every year!

5. ENERGY STAR CFLS

• Change a single bulb for a CFL (compact fluorescent lamp), save $40 or more over the lifetime of the bulb
• Change 5 bulbs for CFLs, save $200 or more over the lifetime of the bulbs.

Use this savings calculator to get a more accurate estimate on how much you can save based on your local electricity cost and desired type of bulbs.

6. BAKING SODA

At just a bit over $1.50 per pound, this is the ultimate household tool. With baking soda you can:

• Wash produce.
• Clean your grill.
• Freshen up rugs.
• Remove hard stains from clothes.
• Wash your teeth.
• Clean the dishwasher or coffee machine.
• Treat throat infections.
• Deodorize a cat litter box.
• Fight dandruff.
• Melt icy sidewalks.
• Clean toilets.
• And many more fantastic uses!

Think about how much you spend on products for each of these uses. Switch to baking soda and start saving money.

7. FOAM ROLLER

Chiropractors and massage therapists are expensive. The average rate for a massage is about $60 per hour. This doesn't mean that you should totally give up on taking care of your body. You can take care of your pain points and "knots" on your own with a foam roller. Starting at about $5, a foam roller is the most budget friendly way to take care of tight muscles and prevent common injuries. From hardcore runners to couch potatoes, everybody can benefit from a foam roller. (See also: Turn Your Home Into a Spa With These 5 Frugal Stress Relievers)

8. GROCERY AND SHOPPING BAGS

Stop wasting money on trash bags and reuse the bags that you get from grocery stores and retailers. Reduce and reuse. Grocery bags are perfect for bathroom trash cans, and bigger bags can be used for tall kitchen cans and certain diaper pails. Small grocery bags are perfect for keeping smelly kitchen residues, such as onion and garlic, contained. You save money and do your part in helping the environment.

9. REUSABLE WATER BOTTLE

Stop your plastic habit! If you buy a $6 water bottle case every week, you end up spending over $300 per year. This is before redemption fees and applicable taxes. Switch to a reusable water bottle and use those savings for a credit card payment. (See also: Stuff We Love: A Lifefactory Reusable Glass Water Bottle)

10. HERB GARDEN

Cooking at home is always cheaper than dining out. Fresh herbs are great to give your dishes that extra "oomph." However, buying fresh herbs, such as mint, basil, and parsley, can be quite expensive. If you have a spot that gets about six to seven hours of daily sunlight, such as a ledge on a kitchen window, you can have an indoor herb garden. You can pick only the amount that you need and let the rest double as a nice kitchen accent piece.

11. OLIVE OIL

Besides being great for cooking, olive oil helps you:

• Moisturize your skin by drinking it and adding it to warm tub baths.
• Preserving extra fresh herbs for later use.
• Untangle your hair and moisturize damaged hair.
• Prevent hairballs from your cat by adding a teaspoon into your cat's food.
• Free stuck zippers by dipping a cue tip into olive oil and swabbing the zipper's teeth.

12. CANNING JAR

Attention wine drinkers: Save leftover wine for up to a week by storing leftover vino in a canning jar. It preserves the original flavor longer than just a cork and bottle, a method that only keeps the original flavor for a day or so. This tip is especially useful to prevent that $30 wine bottle from becoming vinegar in just a few days.

13. MOUTHWASH

At Walmart you can get a whole 1.5 liter bottle of mouthwash for around $5. Here's how to stretch that bottle even further:

• Use as an antiseptic if you have no nearby alcohol.
• Make a 50/50 solution of alcohol-based mouthwash and vinegar and treat nail fungus.
• Treat athlete's foot with the same 50/50 solution.
• Apply alcohol-based mouthwash to a cotton ball to your face as an astringent lotion.
• Clean your windows.
• Deodorize your toilet with a cup of mouthwash and let it sit for about 30 minutes before flushing.
• Mix 4 parts of water to one part mouthwash in a spray bottle to help plants affected by mildew and fungus.

14. SPARE CHANGE JAR

Avoid the coins-in-couch cliche and get a spare change jar to keep all those coins around the house. In just a couple of months, you will be surprised how much you can save without even trying. Encourage your whole household to chip into the spare change jar. (See also: 20 Smart Ways to Spend Your Loose Change)

15. .EDU EMAIL ADDRESS

Ok, so this one isn't really an "item", but still. Current college students and past graduates that keep their .edu email active can often:

• Get free Microsoft Dreamspark software.
• Download Autodesk software, such as AutoCad and Revit, for free.
• Read the digital version of the Washington Post without a paid subscription.
• Apply for a one-time $10 bitcoin stipend.
• Receive freebies from companies through your social media activity.
• Free two-day shipping with Amazon Student.

Some high school students may be eligible also for .edu email accounts so check with the student's educational institution.

16. CASH BACK AND REWARD CREDIT CARDS

Competition among credit cards is constantly increasing. There is no need to be tied to a card that offers neither rewards nor cash back offers. With cash back credit cards offering up to 2%, it is amazing how some companies will pay you to use their credit cards. If cashback is not your cup of tea, then there are also gas rewards cards and air miles programs.

17. VACUUM SEALER

This is one of the kitchen gadgets that can save you the most money. A vacuum sealer allows you to buy items in bulk and not have any of them spoil. Think beyond meat, poultry, and seafood. How many times have you bought a two-pound basket of strawberries at low prices during the summer, only for over half of it to spoil? With a vacuum sealer, you can seal half and freeze it for later use. Zero waste.

18. BLENDER

Some people gotta have their daily Jamba Juice fix. With the cheapest smoothies starting at $4, this habit can cost you about $120 per month. Save money by making your own smoothies at home with a blender. With $20 or less you can get a blender. Not only you save money, but you can control the amount of sugar and extra calories that go into your drinks.

19. ELECTRIC TOOTHBRUSH

My wife has the most beautiful smile. Every time that she goes to the dentist, she passes the checkup with flying colors. Her secret is that since she turned 29, she followed the advice from her dentist to switch to an electric toothbrush. Ever since that switch, she has been able to minimize the amount of additional necessary dental work during her visits, which lowers our medical bills. (See also: The 5 Best Electric Toothbrushes)

20. TWITTER ACCOUNT

Another non-item item,Twitter is not only for catching up your friends and the latest news. It can be a major tool for savings. (See also: 3 Easy Ways to Save With Twitter)

• Several retailers release Twitter-specific flash deals, giveaways, and coupon codes.
• Customer service reps are under pressure to give outstanding service in this public format.
• Some companies, such as American Express, are willing to sync your Twitter account to its online platform for perks and special services.

21. SQUARE OR PAYPAL HERE

How many times have you tried to collect from a friend who owes you money and she gets away because she doesn't have cash on her? Fix this problem by using your smartphone as a credit card processing machine with the Square or Paypal Here apps. Both companies ship you a credit card reader for free — nothing else is needed. Square and Paypal do take around a 2.7% cut but a payment in hand is better than an IOU.

22. WHATSAPP

If you have friends and relatives abroad, sending text messages is very convenient but gets expensive quite fast. Even if you sign up for an international SMS plan through your cell carrier, you're looking at about $0.25 per SMS, depending on carrier and country.

The reason why Whatsapp is superior than other international messaging apps is that the app is designed for virtually every smartphone. Even though my Mom uses a Blackberry and lives in Ecuador, my sister uses a Nokia and lives in Germany, my wife uses an iPhone, and I use an Galaxy S3, we are all able to text with each other from our own phones. I used to spend over $50 in international SMS and now I spend zero. That's four of us not spending a dime while keeping in touch across the world.

23. CROCKPOT

A crockpot is a lifesaver for busy people. You know that eating at home is cheaper, but often there is just no time to prepare a meal. With a crockpot you just need to chop up your ingredients, throw some spices, and you are good to go. You can leave a crockpot running before leaving for work or overnight to have a meal ready for you when you come back from work or to take there for lunch. (See also: 25 Cheap and Easy Crockpot Recipes)

What is your favorite money-saving item?

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Where to Find Free Product Coupons

Here are the best places to find FREE product coupons!

Companies that Like to Show the Facebook-Freebie Love:

Bath and Body Works
Redbox
Suave
Yankee Candle

Tip: Set up a Google Alert for the phrase "Facebook freebie," and you'll be among the first to know when a new deal goes live.

Rebate

Get serious about rebating. It's a great way to earn both rebate checks and free product coupons.

Check Out:

• Current Rebate Offers
• How to Rebate Like a Pro

Contact Manufacturers

Make a list of the products that you use regularly (food, cleaners, toiletries, etc.). Then, email the manufacturer of each one to let them know what you think of their product – good or bad. A bit of feedback could (and likely will) net you a mailbox full of coupons for freebies.

Sign Up for Product Tests

Agree to test products for companies, and they'll hook you up with plenty of loot (free product coupons included).

A Couple Test Sites to Sign Up For:

Kraft
Vocalpoint (P&G)

Spread the Word About New Products

Businesses know word-of-mouth advertising (WOM) is powerful stuff. Sign up to spread the word about new products; and they'll send you coupons, so you can try them first.

WOM Sites to Sign Up For:

BzzAgent
House Party

Consumer News: Amazon Prime Pantry

Yesterday, Amazon finally unveiled its Prime Pantry service, which allows customers to consolidate as many grocery items as they can into one large box for home delivery. But given Prime Pantry’s selection and long delivery times, is this something that people can actually use? The answer is… maybe.

WHO WOULD WANT THIS?

•Urban Dwellers Who Don’t Cook: I’ve met a surprisingly large number of people who live in major cities but who rarely, if ever, cook at home. They eat out, get take-out, or order every meal. But these people also tend to have things like soda, cereal and snacks in their cupboards… and of course they need the usual suspects like toilet paper and soap.

But many densely populated cities lack proper supermarkets, forcing urban dwellers to pay extortionate corner store prices. Having a service that delivers these pantry staples cheaply and efficiently to their doors may be appealing.

•Senders Of Care Packages: Got a kid living off ramen cooked on a hot plate in her college dorm room? Prime Pantry seems tailor-made for the parent or loved one who wants to treat someone to a box full of stuff to someone who could use cookies, deodorant and toothpaste.

•Rural Shoppers Who Want To Save A Trip To The Store: Some rural areas of the country face a similar problem to densely populated urban centers — a lack of readily available quality supermarkets. And sometimes those stores don’t carry items for shoppers with specific dietary needs, like food allergies. A service like Prime Pantry wouldn’t solve all these issues for everyone, but it could be used to supplement trips to the supermarket.

•Consumers Without Cars: For people who don’t drive or don’t have ready access to a vehicle, supermarket shopping can be a huge pain in the read-end, especially for the non-perishable items. Shopping without a car means you often have to sacrifice value for convenience; for example, buying only a single roll of paper towels instead of the 8-pack. Every non-perishable item you can get delivered to your door is one you don’t have to carry home from the store.

WHO WOULDN’T WANT THIS:
•Extreme Couponers: Prime Pantry does offer coupons on some items, but people who are practiced in the coupon martial arts will probably want to stick with their current shopping habits.

•Food Snobs: While there are a handful of smaller brands available on Prime Pantry, most food snobs will turn their noses up at almost every item. This is not the place to pick up items you can brag to your friends about having in your kitchen.

•Anyone Who Needs Things Quickly: Yes, ordering online is incredibly convenient and may be less expensive than going to the store. But if you’re going to run out of dishwashing detergent tomorrow, Prime Pantry isn’t going to help. The delivery estimates on Pantry orders are upwards of 3-4 business days, so it’s not for people with any urgent needs.

•Warehouse Shoppers: Even though Prime Pantry is all about shipping items in bulk to save time and money, it’s not about actually buying in bulk. So if you’re a fan of going to Costco and buying a stack of toilet paper the size of a dog house, or if you looked at the earlier mention of a 30-oz. jar of mayo and went “Is that all?”… then you’re probably best sticking with your local warehouse store.

Would you use this service???

Source: Consumerist.com

Twitter Party: Win Amazon Gift Cards, More #EasterSavings

#EasterSavings Twitter party- $250 in prizes!

Easter is just around the corner. Let's talk Easter traditions, recipes, and ways to save!

Join us on Tuesday, April 15th @ 9 pm ET in the #EasterSavings hashtag on Twitter!

Hosts:  @mommysavesmoney @prettyfrugal @savingsmania 

@mycrazysavings

Prizes and sponsors: (2) $50 Amazon gift cards courtesy of Savings.com, (1) $100 Target e-gift card courtesy of Savings.com.

RSVP: Go here to RSVP

Spring Cleaning Twitter Party: March 18, 2014 @ 9 PM #SpringSavings

Spring cleaning: do people really do it, or is it all a huge conspiracy? Come find out, and share tips for making spring cleaning (if it is indeed real) as painless and frugal as possible! Plus, we have $300 in prizes to give away!

Join us on Tuesday, March 18th at 6pm PT/ 9pm ET in the #SpringSavings hashtag on Twitter!

Hosts: @mommyswishlist @savewshellie @savingsmania @sawickis

Prizes and sponsors: (2) $50 Amazon gift cards courtesy of Savings.com, (1) $100 Amazon gift card courtesy of Savings.com, (1) $100 Target e-gift card courtesy of Savings.com.

RSVP here! See you there!

Consumer News: Amazon Prime Price Increase

Amazon.com has just announced that existing Prime members will now pay $99 per year on their annual renewal date and Amazon Student members will pay $49. If you are an existing Prime Member, you will be receiving an email from Amazon sometime today with this announcement and the date that your membership is set to renew.

Buying in Bulk: Shopping Tips

Here are some great tips on how to shop bulk and save money:

Compare prices
Make a list of the items you might buy in bulk, or the ones you know you’ve seen at your favorite retailers, and visit each store to compare. Write down the prices for the bulk buys, and also write down the cost of buying the same item as a single. Then, do the same search online, and make sure to take shipping costs into account.

Do the math
Divide the price of the bulk package by the number of individual items in the package. For example, if there are 12 paper towel rolls for $9.99, each one comes to about 83 cents a roll. 

The bulk math is a tool you can use for any kind of purchase.

Then take that $.83 figure and compare it to what you’d pay for a single roll.

Then do the math for a three-pack or a six-pack of the same item, and bingo — you know if bulk pricing for that item, from that store, or which bulk item from which store, is worth your while.

If you have a coupon for the item, remember you’ll save more per unit if you use the coupon for a non-bulk purchase.

Be realistic about storage 
No matter how great a deal is on any product, you first need to make sure you have space to store the items.

If you’re in a small apartment, you might want to keep your bulk buying to a minimum — unless you have other small apartment friends who want to split the bargain with you. Or, get creative. No one says you can’t store extra toilet paper next to your dishes in the kitchen cabinets if you have the space.

If you have a larger home with a basement or a garage, or even a second freezer, buy away if the price is right.

Be realistic about expiration dates
We know that misunderstanding “use-by” dates and plain-old expiration dates leads to lots of waste.

But still, bulk food can go bad, so use common sense when you buy. Those delicious looking loaves of bread that you can get three-for-one and those half-priced veggies aren’t worth the extra money if you can’t eat it all before it spoils.

There are times when bulk perishables make sense. If you buy a gazillion tomatoes, for example, and you plan to head home to make a few jumbo pots of sauce that you can freeze, that’s great. We don’t advise trying to freeze the tomatoes. Okay, well, you can freeze tomatoes, but that’s one bulk buy on which I’ll take a pass.

Bulk Specifics
So what is a good deal? Like we said, you have to shop around and do the math. Here’s the lowdown on some common items sold in bulk packaging.

Meat: When all that uncooked protein is on sale, you can save a bundle. Just make sure you have a plan to prepare it, or you have a very large freezer. But you can’t just chuck the meat in the freezer in the supermarket’s packaging. Take some time to store your mass meat the right way.

Paper products: It’s one of the most commonly bulk-packaged products, and it all depends on the math. Just don’t count on the bulk packaging as a promise of lower per-unit pricing.

Diapers: These are almost always cheaper when you buy in bulk, but we repeat: do the math. Costco regularly offers coupons in the flier for $ off diapers.

Prescriptions: If you take any regular prescriptions, ask your doctor for a prescription for a 90-day supply rather than just 30 days. You’ll save on co-pays, and you’ll find some pharmacies have a cheaper per-pill price for bulk buys. Also, note that you don’t need to be a member of Costco nor Sam’s Club to get prescriptions filled at their pharmacies.

Big-ticket items: If you’re traveling and need train or plane tickets, or if you’re buying seats for a sporting event or Broadway (or other) show, you can find group discounts. Hotels will do the same. You can save 15 percent or more.

Insurance: It’s a different form of bulk pricing. If you insure your home and your car with the same company, you’ll get a discount.

Source: Consumerist.com

Recall: Graco Car Seats

Graco has recalled 11 models of Graco Child Car Seats (not infant) sold from 2009 to 2013 are being recalled due to the buckles not unlatching properly, making it difficult to remove the child from the seat. This increases the risk of injury in a crash, fire or other emergency when a speedy exit from the vehicle is required. Graco did mention in this article that they are offering an improved replacement harness buckle to affected consumers at no cost. Go here for more details on this recall.

The recalled models include:
Cozy Cline, ComfortSport, Classic Ride 50, My Ride 65, My Ride with Safety Surround, My Ride 70, Size4Me 70, Smart Seat, Nautilus, Nautilus Elite, and Argos 70.

Forget Your Coupons? These Stores Can Help!

If you forget your coupons, these stores can help!

Michaels: There’s probably one of the chain’s ubiquitous 40% off one item coupons stashed next to the cash register. “I’d say 90% of the time they’ll open a drawer under the register and pull out a coupon and scan it,” blogger Kyle says of his wife’s shopping trips to the craft supplies chain.

Old Navy: Asking for a coupon works less consistently, but does work sometimes. If you have a smartphone, you can also check it for in-store deals, which may be on the company’s Facebook page.

Jo-Ann: This craft chain also offers 40-50% off one item coupons weekly. If you forget yours, there may be one on a sale flyer sitting around the store, or just ask. The chain also has a smartphone app that you can use to pull up insta-coupons.

Bed Bath & Beyond: If the cashier doesn’t have a loaner coupon or you don’t find one sitting around the store, you can bring your receipt back to the store with your sweet 20% off deal and get a refund.

Dick’s Sporting Goods: Kyle shares the tale of a shopping trip when he pulled up a coupon on his smartphone, only to have the cashier offer an even better one. Handy! It may have helped that he had some raucous children with him.

Kohl’s: This store can scan e-mailed coupons from your smartphone. Don’t have one? The cashier may have scratch-off coupons, which add the fun of an instant lottery ticket to your shopping trip. Just ask.

JCPenney: Yes, they’ve re-embraced coupons. Look for a flyer when you enter the store, or ask a cashier.

Costco: Readers have told us that if you forget the coupon book that Costco mailed you, cashiers have spares. Ask nicely.

Source: Consumerist.com