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  • Gifts For Her on a Budget

    The following is a guest post from Jenna. Consideration was received for the editing and publishing of this post.

    It’s fairly easy to maintain a budget if you put forth the effort. Budgeting your money simply means that you are not spending more than you make. Ideally, you are adding a little to your savings each month, but for many Americans this is a hard feat to do. With wages not increasing as quickly as our cost of living, it is easy to understand that many of us are barely making ends meet.

    By staying persistent, you can achieve financial freedom and the stress-free life that comes with that. In the meantime, I want to address an added anxiety many of us face sporadically through the year. Gifts that come with holidays, birthdays and the random housewarming party or graduation can put a strain on an already tight budget. It doesn’t have to be this way.

    Gifting for me can be a little bit easier because they often don’t expect much and are pretty satisfied with the happy wishes. This may seem a little stereotypical, but sometimes stereotypes are pretty dead on. {Ed. note: In my experience, their expectations may be lower because their wishes are so expensive as to be unrealistic!}

    Women on the other hand, frequently expect – or at least hope for – something from the heart. We don’t necessarily need diamonds or other expensive presents to show that we have been in your thoughts on those special days where gifts are a natural part of the theme. We just want something that shows you care and that you took time out of your busy life for us.

    Here are some simple gifting ideas that stay within your financial means to do exactly what we as women need to make an already great day even better:

    The easiest way to achieve satisfaction is a card with a sincere message attached. This could be a message provided by Hallmark that expresses exactly what you are feeling in the moment or it could be a handwritten one. Either way, the smile on her face will let you know she appreciates the gesture.

    Another idea is a gift basket. These are especially nice when they include items that your wife or girlfriend are fond of. They also work for THE most important woman in your life: your mom, you know, the person who gave you life. Shari’s Berries baskets for mom specialize in gourmet cheeses, nuts, chocolates, teas and fruits and come in a variety of arrangements and prices. They work for Mother’s Day, or any important day that is cause for celebrating a strong, devoted woman. As an extra bonus, there are coupons available online and they will ship the basket overnight.

    My final idea that won’t break the bank but will show her that you appreciate her is a plant or a beautiful bouquet of flowers. This may seem like an obvious one, but there is nothing that speaks to a woman more than beautiful flowers. This is my go-to gift for my mom on all holidays. I tend to lean toward the plant, as it is a gift that keeps on giving for months or even years to come. As cliché as it sounds, women love greenery even if they don’t have the thumb to keep it alive.

    There are many things you can do to show that special female in your life exactly how much you care. On an average day a simple thank you or I love you will go a long way, but on those special occasions we are almost obligated to take it a step further.

    Staying within your budget is doable so long as you take the time and go about it the right way. Women are understanding individuals and will appreciate that while you couldn’t afford the most extravagant gift, you did get her something that she loves. It doesn’t matter if you are shopping for your wife, girlfriend, mother or daughter – women are fairly universal most of the time. There are always exceptions, but you can never go wrong so long as you go with something from the heart.

    Morning Coffee: Part 2

    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Please note this post contains affiliate links that help support this site at no additional cost to you. Thank you for using them! You can read CFO’s full disclosure here.

    Thanks for your patience as I try to get caught up on all of the latest deals and coupons! Here’s the rest of what’s available this morning:

    There are new SavingStar offers, including:

    Learn more about SavingStar here.

    Stack this printable coupon for $3/1 Hormel Party Tray with this $3/1 Target Web coupon to get a tray for just $3.19 at Target.

    Enter to win a $500 Visa Gift Card from CommonKindness by printing these 5 coupons and finding the “secret code” which will be located in the orange box on ONE of the five printed coupons. Email the “secret code” to Promotions@CommonKindness.com. You can play everyday (every 24 hours) to increase your chances of winning. The drawing will be May 30, 2013.

    VocalPoint members can get a high-value printable coupon for $2.50/1 Iams So Good Dog Food.

    My Frugal Adventures reports that you can get $0.50 Corn Dogs at Sonic all day tomorrow (5/23).


    Banner ad via Escalate Media Network

    Help Kleenex Support Healthy Schools by Entering the Kleenex in the Classroom Sweepstakes

    This post is brought to you in partnership with Kleenex brand. You can read CFO’s full disclosure here.

    Kleenex

    Kleenex brand is America’s softest tissue and committed to supporting healthy kids. Kleenex has introduced the new Kleenex Everyday Tissue with Sneeze Shield, which is now thicker and more absorbent to help keep the wet stuff off kids’ hands. Plus they come in a variety of portable and convenient package sizes for use on-the-go. They’re especially useful in the classroom, where germs spread all too easily.

    The 2012-2013 school year may not have ended yet, but Kleenex brand is already looking ahead to next school year. As the only facial tissue that participates in Box Tops for Education, Kleenex brand is giving teachers, school administrators and parent volunteers the opportunity to win 250,000 eBoxTops for the 2013-2014 school year through the Kleenex brand in the Classroom sweepstakes. That’s the equivalent of $25,000 that your school can spend on much needed supplies and support, and there will be three winners!

    TeacherLists.com

    All you have to do is submit a list at TeacherLists.com. You don’t have to be a teacher to create a list – in fact, I was able to create one on behalf of my child’s teacher. Be sure to include Kleenex and at least three other items on your list to enter the sweepstakes. The list looks like it is going to be an easy way to share classroom needs and wants with other parents and volunteers, and after creating my list, I received an email with a direct link to the list that I can cut and paste into emails and web sites.

    What would your school do with an extra $25,000?

    Seeds of Change Share the Good Grants

    Seeds of ChangeSeeds of Change, maker of certified organic rice blends and Indian simmer sauces, contacted me to let me know about their grant program, and I invited them to share the following information in the hope that maybe some of us can get a grant for our school gardens!

    When it comes to talking about nutrition and the foods we eat, the best laid plan can sometimes be looking at it from the ground up! Many cities are home to local community garden or farming programs, whether it’s a local gardening association, community club or even school. These programs are an incredibly powerful tool for teaching families and communities about the foods they eat and where it comes from. Seeds of Change® is currently accepting applications through April 22 for its Share the Good grant program, which offers a $25,000 grant and 15 $10,000 grants to support organizations that inspire nutrition, gardening and farming programs.

    If you’re interested in applying for a Share the Good grant, just visit www.sharethegoodrant.com to “Like” the Seeds of Change Facebook page and get access to the grant application and information. Share the Good is funded by the Seeds of Change “1% Fund,” the company’s commitment to donate one percent of its global net sales to community-based nutrition, gardening and farming programs.

    Organizations can apply for a Share the Good grant until 11:59 a.m. ET April 22. At noon on the same day, all application will be available to view and for a public vote to determine the top 50 that move on to the final judging phase. You can vote once per day. The grant recipients will be announced around June 4th – good luck!

    Living and Borrowing Abroad With a Bank You Can Trust

    This is a guest post from Julie. Consideration was received for the editing and publishing of this post.

    Moving and living abroad carries with it its own set of complications – cultural, linguistic, and, for many expatriates, living at a great distance from friends and family. But fortunately, thanks to a number of very good international banks with branches around the world, banking and borrowing money abroad doesn’t have to be another stress added to your already-hectic international life.

    The importance of a good bank while living abroad probably goes without saying; you need to be able access money easily from bank branches and ATMs, and without fees, but you also need a bank that is able to offer other services like good savings plans, solid investment vehicles and the ability to secure personal loans. In fact, being able to secure a personal loan is particularly helpful for many families living abroad or planning to live abroad, as it often takes an infusion of cash to get started in another country.

    Up-front costs can include enrolling children in an expensive international school, refurbishing a house or apartment to make it more family-friendly, buying an automobile, making a down-payment on a property, transporting furniture or other large items abroad (or paying for a storage facility for those items you plan to leave back home), or some combination of several of these things.

    For American families who have moved to the Middle East – particularly Egypt and the UAE – the advice from expatriates is to find a trustworthy international bank that also has a presence in the country in which you live; by banking with such an institution, you have the benefit of speaking with someone face-to-face – and often people who work for large international banks, especially ones with branches in major cities like Dubai or Cairo, will in fact have English-speaking staff on hand – while also ensuring that if you relocate to another country, you’ll stand a good chance of being able to keep your bank, provided the bank’s reach is global.

    Do your comparison shopping when searching for a bank, especially if you know you’ll be looking for a personal loan. Comparison websites allow you to instantly make personal loan comparisons based on the amount of money you’ll want to borrow and the amount of time you plan to pay that personal loan back; of course, banks will charge different interest rates based on factors like your credit history, so always contact the bank first in order to receive a definitive quote. But many comparison websites are about more than just loans: they will also allow you to make a side-by-side comparison of international bank accounts for expatriates.

    Online magazines like Forbes.com also feature articles on international banking and finding the best bank for you, and Forbes notes that it’s worth checking whether your U.S. bank has branches abroad, or is owned by a larger conglomerate that does. It’s important to do your homework here, as making a decision on bank – and potentially also a personal loan – is an important decision that will affect your daily life. You want to make sure it’s a decision that will make your international life easier, not more difficult.