Relationship Goal: Alleviate Financial Stress With A Plan

In almost any relationship when you bring up the topic of finances or money, you’re sure to be met with opposition. Many couples indicate that finances are the number one reason they have stress within their relationship. “A third of Americans in a relationship believe they are the saver and their spouse/partner is the spender. In contrast, only 21 percent would cop to being the spender and admitting their spouse/partner is the saver. – Suntrust Banks. Let’s focus on ways to help alleviate this stress by focusing on ways to talk with our spouses/partners about finances.

Before you even begin your financial discussions, make it a rule that there will be no finger pointing throughout the entire discussion and that you will both be open minded and allow each other to speak and explain their side of the equation.  Make sure to do this when you can carve out some distraction free time. It’s hard to have a crucial financial conversation with the kids asking you a million questions, or when your spouse is preoccupied because they have a big project due.

What is your debt philosophy? Financial disagreements often arise from different views of debt, from how much to use a credit card to the term and amount of a new car loan. Ask your partner what they consider an acceptable level of debt and see how much it diverges from your answer.

Creating an environment where both sides can speak freely, without judgement, is crucial to establishing open communication, which makes it much easier to dig in and get to root of any would-be financial struggles.  Maybe one of you is hiding deep financial secrets, now is the time to come clean about them.

Once you have laid out the ground rules — it’s time to dig in!

Set Financial Goals

It’s important for both sides to be on the same page when it comes to finances.  In a recent SunTrust survey conducted by the Harris Poll, a third of Americans in a relationship believe they are the saver and their spouse/partner is the spender. In contrast, only 21% claimed they are the spender and their spouse/partner is the saver. If you have one party that just wants to spend everything, while the other wants to squirrel it all away for emergencies — you’ll have nothing more than 2 upset people and mounds of disagreements.  Sit down and hash out realistic goals that you both agree on.

Do you want to have all your debt paid off in 5 years?  Have you always dreamed of having a Christmas Club or Vacation Club account?  Discuss your dreams together and use those dreams to help plan your financial future.

Create a Working Budget

Once you know where you want to be, its time to figure out where you are.  Comb through and lay out all of your monthly expenses and create a monthly cash flow plan or budget.  What are you actually spending on a monthly basis?  Are there any areas that you can shave your expenses, such as your cable/satellite bill, cell phone, monthly subscriptions, expensive coffee habit, etc? I will admit I LOVE having one type of coffee, but it is also one of the more expensive brands. That is one area where I knew if I stopped going out every day for coffee, I could easily save $100 a month. Now, I only go out for my coffee when I have a gift card.

After you know what you’re spending every month, figure out just how much you have coming in every month.

 

Make a Plan

Now that you know where you’re at and where you want to be, it time to make a plan that you both agree on.  If you have money left over at the end of every month, what do you plan to do with it?  Too much month left at the end of your money? How are you going to fix that?  Is it time to take on a second job or do you need to shave expenses somewhere else?

 

Plan a Date

In order to keep the lines of communication open, and the financial secrets at bay, plan a date every month for you and your spouse/partner to discuss your finances.  This is important so that not one person is in sole control of the finances and each knows exactly where you’re at financially.  Meeting once a month will also give you a clearer picture as to how close you are to reaching your goals and if something in your budget or your goals needs to be adjusted.

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Savannah Morning News 2/12/2017 Inserts

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Redplum Insert #1

$3.00/1 Allegra-D Allergy Product – 2-12-17 RP (exp 02/25/17)
$5.00/1 Allegra Allergy 24 Hr Product – 2-12-17 RP; Includes 24 ct or Larger Only (exp 02/25/17)
$3.00/1 Allegra Children’s Allergy Product – 2-12-17 RP (exp 02/25/17)
$5.00/1 Allegra Children’s Allergy Product – 2-12-17 RP; Includes 8 oz or 24 ct Only (exp 02/18/17)
$2.00/1 Keri Lotion – 2-12-17 RP; Includes 15 or Larger Only (exp 4/30/17)

Redplum Insert #2
$1/1 Absorbine Veterinary Liniment Gel, DND – 2-12-17 RP, (exp 12/31/17)
$2.00/1 Covergirl Mascara Product – 2-12-17 RP; Excludes Trial and Travel Size; Limit of 4 Identical Coupons Per Household Per Day (exp 02/25/17)
$1.00/1 Covergirl Eyeshadow or Eyeliner – 2-12-17 RP; Excludes Trial and Travel Size; Limit of 4 Identical Coupons Per Household Per Day (exp 02/25/17)
$10/1 Flonase Semimist, 120 ct- 2-12-17 RP, (exp 02/19/17)
$2/1 Flonase Semimist, 60 ct- 2-12-17 RP, (exp 03/12/17)
$4/1 Flonase Semimist, 120 ct- 2-12-17 RP, (exp 03/12/17)
$15/1 Flonase Spray, Twin Pack, 120 ct- 2-12-17 RP, (exp 02/19/17)
$10/1 Flonase Spray, Twin Pack, 120 ct- 2-12-17 RP, (exp 02/19/17)
$2/1 Flonase Spray, Flonase and Children’s Flonase, 60 ct or larger- 2-12-17 RP, (exp 03/12/17)
$4/1 Flonase Spray, 120 ct- 2-12-17 RP, (exp 03/12/17)
$1.00/1 Oreo Churros – 2-12-17 RP; Includes 10.3 oz Only (exp 04/16/17)
$1/1 Uncle Ben’s Whole Grain Brown Rice, 2 lb bag (exp 4/9/2017)
$1.25/1 Uncle Ben’s Converted Brand Rice, 2 lb or 5 lb bag (exp 4/9/2017)
$1.00/1 Wisk Laundry Product – 2-12-17 RP (exp 03/19/17)

SmartSource Insert

$2.00/1 Ambi Product – 2-12-17 SS; Excludes Bar Soap (exp 05/06/17)
$1.00/1 Barber Food Product – 2-12-17 SS (exp 04/08/17)
$1.00/1 Campbell’s Well Yes! Soup – 2-12-17 SS (exp 04/09/17)
$1.00/2 Dannon Activia Regular, Light, Fiber, Fruit Fusion, or Greek – 1-15-17 SS; Includes (2) 4 pk; (5) Single Serve Drinks; or (1) 12 pk or Larger Only (exp 02/25/17)
$1.50/1 Farm Rich Bakery Item – 12-4-16 SS; Includes 9.5 oz or larger only (exp 02/28/17)
$1.00/3 General Mills Big G or Nature Valley Cereals – 2-12-17 SS (exp 03/25/17)
$1.00/2 Glade Products – 2-12-17 SS; Excludes Solid Air Freshener and Room Spray, 8 oz (exp 03/25/17)
$2.00/3 Glade Products – 2-12-17 SS; Excludes Solid Air Freshener and Room Spray, 8 oz (exp 03/25/17)
$1.00/1 Irish Spring Body Wash – 2-12-17 SS; Excludes Body Wash, 2.5 oz and Trial Size (exp 03/04/17)
$0.50/1 Irish Spring Multi-Bar Soap Packs – 2-12-17 SS; Includes 6 ct or Larger Only (exp 03/04/17)
$0.75/3 Kleenex Boxes or Bundle Pack – 2-12-17 SS; Includes (3) 50 ct or Larger Only or (1) Bundle Pack; Excludes Trial and Travel Size (exp 03/11/17)
$0.75/2 Nabisco Oreo Cookies – 2-12-17 SS; Includes 10.1 oz or Larger Only (exp 04/01/17)
$2.00/4 Powerbar Bars – 2-12-17 SS (exp 05/12/17)
$2.00/2 Powerbar Clean Whey Bars – 2-12-17 SS (exp 05/12/17)
$4/1 Rhinocort Children’s 60-120 sprays (exp 03/12/17)
$1.00/1 Scott Tube-Free Bath Tissue – 2-12-17 SS; Includes 9 ct or Larger Only (exp 03/26/17)
$1.00/1 Smart Balance Product – 2-12-17 SS (exp 04/30/17)
$1.00/1 Woolite Detergent – 2-12-17 SS; Includes 50, 75, or 100 oz Only (exp 03/26/17)
B1G1 Buy 1 Zyrtec 70 ct get Rhinocort Allergy Spray for Free. Up to $25.99 (exp 02/26/17)
$4/1 Zyrtec 24 – 30 ct (exp 03/12/17)

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Start Your Day With Community Coffee & An Exclusive Coupon!

 


Community Coffee is a family business, currently under a fourth-generation leadership. Founded in 1919, they’re well on their way to celebrating a centennial of great products at great prices. Staying true to their original vision, Community Coffee focuses on the freshest, most flavorful blends they can create, and for that they use mixed beans from all around the world to make the very best coffees for their customers. In more recent times, they added new flavors inspired by modern tastes and have started using spices to offer customers even a wider range of choices. Ranging from ground roasted to whole roasted coffee beans, to single-serves, teas and Community Coffee cups, gift baskets and even apparel, they offer a huge variety of products under their brand name.

 

My absolute favorite method of making coffee is possibly one of the simplest out there, but I believe it offers the punch that coffee needs to give you, and infuses a lot of the flavor into the water. Take your favorite coffee cup and fill it up to the brim with water, then pour it in a kettle and leave it on the stove until it is very close to boiling. Turn down the flame before it starts to actually boil. Now if you take your coffee with sugar, this is when you would add the sugar. Finally, add 1 full teaspoon of ground Community Coffee beans for each 4 ounces of water (this will vary on the size of your serving). Stir at a low flame until you see the coffee start to rise, but no more than one minute. Pour it into your cup through a sifter and it’s done. Add milk or cream depending on taste. Keep in mind that out of all the brewing methods out there, this one will also infuse the most caffeine in your drink.

 

If you’re looking for a brand of coffee with great, full flavors, then Community Coffee should be your first choice. Found in Walmart stores across the country, you can now get a $1.50 off any bag or K-Cup box coupon! This is great if you want to experiment and find the flavor that best fits you, but do not want to spend too much in the process. Use the printable coupon to get a great price on Community Coffee! If you live in Florida, check your Valpack envelopes for a free, additional Community Coffee Coupon!

 

From medium, to dark and extra dark roasts, to flavored, spiced and premium blends, to single-serves with a bunch of different flavors, Community Coffee is clearly apt at transforming the passion they have for coffee into a great tasting cup.

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PINCHme: Free Name Brand Samples!!

Note: The next PINCHme sample box goes live tomorrow (January 24th) at 12 pm EST. You must register before you can request samples and they go fast!

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Every time I see a new product mentioned in on online ad or on the television I make a mental note. I love trying the latest and greatest products when they’re released. Whether it’s a new pet food, household cleaner or food staple, you can count on me to run out and purchase it so I can give it a try. Most times I’ll go back and buy the items again or put them on my weekly list. Unfortunately, my love of trying new products can get a little costly. You know how it is, you want to try everything but sometimes your budget groans in protest.

This is where PINCHme comes in. If you have a love for trying new samples of products that you’ve been waiting for but don’t have the extra cash to always be spending, PINCHme is the perfect service for you. They provide samples of all the latest products and send them directly to your door each month but the absolute best part is that it’s all FREE. PINCHme lets you discover new and exciting brands at no cost.
PINCHme is comprised of over 2.3 million members and allows you to discover and try free samples from leading brand names that you love. Every month they provide these free samples in an assortment of amazing categories. Not only do these samples include items that pertain to all areas of your life but benefits from joining also include exclusive special partner offers, sweepstakes, product review opportunities and other fun promotions.
The only thing they ask of their consumers is to provide them with your honest feedback about each sample. Their sample categories range from beauty, cleaning products, household items, personal, care, baby, pets and more. Each month they release their Sample Tuesday box and encourage users to sign up this month as they release their next round of freebies on January 24th at 12 Noon Est so you can claim your free samples.
Here is a picture of my most recent box from PINCHme. I must say that they really do read your answers that you fill out as part of your profile! I know this because EVERY product in my box, is something I like or want to try!
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I received: 
McCormick Organics Taco Seasoning
Goddess Garden Mineral Removing Cleanser
Goddess Garden Dream Repair
Blistix Ultra Moisturizing Bliss Flip
Scotch Brite Scrubbing Dish Cloth
Hyland’s Good Morning Tablets
Popcorners Chips
Starbucks Caramel Caffe Latte K Cup Pods (see they really do know me!) 
Every box is different and it will depend on how thoroughly you fill out your questionnaires and how quick you are to claim your samples on sample Tuesday!
This September PINCHme is celebrating your furry friends. The months samples will include names such as Purina One, Purina Puppy, Chow, Greenies and Beyond. Just head over to their website and make sure you fill in the PETS section of your profile so you’re qualified to receive the samples.
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Also, if you’re a fan of snacks like I am then you’ll be doubly pleased with Septembers box. This month they’ll be sending out samples of Carnival Kettle Chips from PopCorners and Taco & Chili Seasoning Mix from McCormick’s.
If you love free samples as much as I do and want the chance to get your hands on some of the items I mentioned above and then some, I recommend signing up for PINCHme. The service is 100% free of cost and will never ask for your credit card number. This isn’t your average sample box, people. It comes with a lot of different samples to choice from and includes samples for pets, household, beauty, baby and more!
Better even than free samples (if that’s even possible) is that they also offer their members the chance to take part in special partner offers as well as exclusive sweepstakes each week. Each box will include between 3-5 samples and range from this months samples as well as past samples as well.
How to join: 
  • Become a Pincher
  • Pick your samples. On Sample Tuesday pick samples to add to your box.
  • Provide your honest feedback.
When you’ve signed up and are completing your unique profile, it’s important to fill it out as much as possible. This allows the folks behind PINCHme to bring you the best opportunities available at the time and to match you with relevant samples. The more they know about you, the better the chances you’ll have to receive samples that are relevant to your individual preferences.
It’s important to sign up for your box as soon as possible on Sample Tuesdays. Due to the free nature of the PINCHme platform, it isn’t guaranteed that everyone who signs up will be sent a sample box. All samples are available while supplies last and on a first come first served basis so signing up as soon as Sample Tuesday goes live is important to ensure that you get your free samples for the month.
I received free products to review from PINCHme, however all opinions are my own.
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King Soopers Top Deals 1/18 – 1/24

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Beverages

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King Soopers brand Water, 24 pk 16.9 oz bottles – $1.88
Dairy
When you buy 8 or more in the same transaction.

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Dannon Greek Yogurt, 5.3 oz – $0.88
  • $1.00/2 Dannon Activia Regular, Light, Fiber, Fruit Fusion, or Greek – 1-15-17 SS; Includes (2) 4 pk; (5) Single Serve Drinks; or (1) 12 pk or Larger Only (exp. 02/25/17)
Final Price: $0.38

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Noosa Yoghurt, 8 oz – $1.50
Final Price: $0.95
Frozen Foods

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Birds Eye Steamfresh Vegetables, 8 – 16 oz – $1.00
  • $1.00/2 Birds Eye Varieties – 1-8-17 SS (exp. 02/27/17)
Final Price: $0.50

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Totino’s Party Pizza, 9.8 – 10.9 oz – $0.99
Out-of-Pocket Price: $0.74
Final Price: $0.49
Fuel Rewards

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Earn 3X Fuel Points Simple Truth and Simple Truth Organic Items

Offer Valid 1/4/17 – 2/7/17

Home Supplies
When you buy 2 in the same transaction

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Quilted Northern Bathroom Tissue, 6 Mega Rolls – $5.00
Out-of-Pocket Price: $4.50
Final Price: $3.75
Meat, Poultry & Fish

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Beef, London Broil, Boneless, per lb – $3.99

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Beef, Steak, New York Strip, per lb – $4.77

Bone-In; Super Value Pack

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Chicken, Drumsticks, per lb – $0.88

Includes: Heritage Farm

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Chicken, Thighs, per lb – $0.88

Includes: Heritage Farm

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Pork, Spareribs, per lb – $1.99

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Shrimp, EZ Peel, Extra Large, per lb – $5.99

Includes: Raw, 21 – 25 ct

Natural & Organic

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Annie’s Naturals Macaroni & Cheese

FREE when you download digital coupon 1/20/16 and redeem by 2/5/16

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Annie’s Naturals Macaroni & Cheese, 6 oz – $1.00
Final Price: $0.50

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Blue Diamond Nut Thins, 4.25 oz – $2.00
Final Price: $1.25

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Evol Burrito, 5 – 6 oz – $1.50
Final Price: $0.50
Personal Care

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Colgate Toothpaste, 4 oz – $1.00

Includes: Select Varieties

  • $0.50/1 Colgate Toothpaste – 1-15-17 SS; Includes 3 oz or Larger Only (exp. 01/28/17)
  • $1.00/2 Colgate Toothpaste – 1-15-17 SS; Includes 3 oz or Larger Only (exp. 01/28/17)
Final Price: $0.50
For this weeks full deals click here.
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