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  • Car Insurance for Teen Drivers: 4 Ways to Save


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

    When your teen learns to drive, it is usually a time of pride mixed with apprehension. You are proud of your child’s achievement, but at the same time, you are probably concerned about how buying additional car insurance for him or her will affect your family’s budget. While buying an auto insurance policy for younger drivers can put a dent in your finances, there are a few ways to save so that you can focus on your teen’s well-being behind the wheel, and not what it costs for him or her to be there.

    Focus on Policy Details

    Today’s top insurance companies compete fiercely in order to earn your business by offering special deals and driver discounts. While some of these discounts may ease the cost of auto insurance for your teen driver, it is wise to carefully read the details of each policy you consider. Understanding policy details and restrictions will prevent the shock of having to pay for something you thought your teen was covered for, especially in the case of theft, fire, or other severe damage. Meet with your local insurance representative to go over your policy before you make a purchase so you can thoroughly understand what it entails.

    Seek Discounts but Avoid Cutting Corners

    While you might be tempted by cut-rate insurance that gives your household budget some relief, it might come back to haunt you later. In many cases, dramatically low monthly payments often cost you in other places, such as when the policy comes with fine print restrictions on what your teen is covered for. Consider what you might have to pay out of pocket if your teen has an accident and what might happen if your bargain insurance cannot cover it, especially if your teen is at fault. To avoid this circumstance, seek out teen driving discounts from reputable companies and approach extreme bargains with caution.

    Add Your Teen to an Existing Policy

    One of the most effective ways to save money on auto insurance for your teen is to add him or her to your policy. This is typically less expensive than purchasing a separate policy, especially if your teen will be driving a car that is already insured. For example, if you will be lending your child the family sedan to visit friends, run errands, or to go to and from their part-time job, adding him or her to your policy can save you a few hundred dollars. If you live in the San Antonio area and want to find an auto insurance company that can add your teen to an existing policy, click here.

    Look for Teen-Friendly Discounts

    Some car insurance companies recognize accomplished teen drivers by offering discounts for those who have good grades or who volunteer to take a safe driving course. Teens who make the honor roll can earn discounts that can total 10% or more depending on which company carries their policy. In order to teach your teen driver responsibility and reward him or her at the same time, make their grades an integral part of driving privileges.

    Remember that comparing policies, discounts, and restrictions can help you find the best deal when it comes to finding affordable auto insurance for your teen driver. It is wise to avoid jumping into any policy and to give yourself plenty of time to find one that will benefit both your budget and your child.

    How To Afford Your Home Improvement Jobs


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

    If you own a home, then chances are there are some things that you have been dying to change about it. There are always little projects (or sometimes big ones) that we would like to do in order to improve our homes, but sometimes money gets in the way. Home improvement projects are not always cheap, and finding money to complete them can be a challenge. To help you out, here are a few tips to help you afford those home improvement projects you’ve been eyeing.

    Start Saving

    The easiest and most straightforward way to afford your new project is to save up for it. By putting away a little money each week, you can slowly accumulate the amount of money you need. The first thing you should figure out is how much you are going to need for your project. You should have a specific amount in mind, as it will make your goal clearer. After you have an amount in mind, look at your weekly budget and see how much you can afford to put away into savings. Even just a few dollars a week can go a long way towards your goal.

    If you are saving up for a particularly large project, a good idea is to open up a separate savings account, and have a set amount deposited into it each week. Then you don’t really have to remember to save each week, and before you know it there will be enough money in the account to get to work.

    Do It Yourself

    For those of you out there who are crafty or handy with tools, doing the home renovation project yourself can be a great way to save some money. There are plenty of DIY projects that you can do around the home, and at a fraction of the cost. So if you are willing to put the work in yourself and are confident in your abilities to get the job done right, you’ll have saved money, your home will be improved, and you’ll have the satisfaction of knowing you did it with your own two hands.

    Get A Home Renovation Loan

    When you really want to do a large renovation around your home, and improving your home’s value is a big goal for you, then getting home improvement loans may be the right course of action for you. By getting a loan you can get the money that you need now, and slowly pay it off over time. There are many advantages to getting a home improvement loan, one of which is being able to improve your home now, rather than waiting. But with any loan, you should do your research and determine if it the right move for you before committing.

    Find Ways To Cut Costs

    Lastly, many home improvement jobs can simply be trimmed down in order to cut the costs. Sometimes we get ahead of ourselves when planning our home improvements, and at the end the costs are just way too much. Go back over what you had in mind, and check each part to see if there are ways that you can cut down on the costs. Perhaps changing to a different floor tile or a different paint color can save you money, and allow you to get the job done now, even if it isn’t exactly what you had planned. For some ideas, here is a list of some home remodeling jobs you can do on a budget.

    Improve Your Home

    Don’t let money stand in the way of your home improvement jobs any longer. By planning ahead and choosing the right course of action, there is sure to be a way that you can afford those changes that you’ve been after. Hopefully the above list will give you some ideas, and you can get started on making your home look the way you want it.

    $100 Visa Gift Card Giveaway from AZO Bladder Control™ with Go-Less®


    AZO $100 Visa Gift Card Giveaway | Chief Family Officer

    When you’re pregnant, you read about the changes that are happening to your body, including your bladder and the muscles surrounding it. But still, I was relieved to learn, during a moment of joking candor with my friends, that after giving birth, we all have the ability to use the bathroom at any moment.

    That’s why it’s nice to know that there are products that can help when “I’ve gotta go!” has a special meaning. (Occasional bladder issues can also happen from aging, menopause or weight fluctuations.) AZO Bladder Control™ with Go-Less® can help women enjoy everyday activities, like a night on the town, uninterrupted. To celebrate this, and to raise awareness of this common struggle, AZO wants to treat one lucky CFO reader to a night out!

    About AZO Bladder Control™ with Go-Less®:

    A safe and drug-free solution to maintaining healthy bladder control, AZO Bladder Control™ with Go-Less® helps to reduce occasional urgency and functions to maintain around-the-clock bladder support. The active ingredient in AZO Bladder Control contains clinically-studied Go-Less, a drug-free, naturally sourced supplement comprised of pumpkin seed extract and soybean isoflavones; ingredients that are proven to support healthy bladder activity and enforce bladder strength. Pumpkin seed extract supports bladder muscle integrity while the soy isoflavones help relax bladder muscles and sustain muscular strength in the pelvic floor.

    Suggested retail price is $18.99 – $25.99 for 54 capsules. Learn more at

    There will be a high-value $3/1 AZO Bladder Control with Go-Less® formula coupon in a free-standing insert in Sunday’s newspaper. You can use it at Target for the following deal:

    Buy: 1 AZO Bladder Control with Go-Less® formula 54ct at $17.99 {price may vary}
    Use: $3/1 AZO Bladder Control with Go-Less® formula coupon from 2/28 insert
    Pay: $14.99
    If you can get the coupon in the weekend edition newspaper on Saturday, you can stack the $3/1 coupon with the current Target in-ad or mobile coupon for a $10 gift card WYB $40 of Health Products!

    WIN IT!

    AZO wants to give one lucky CFO reader a $100 Visa gift card so she can enjoy a night on the town without having to go! To enter, simply follow the instructions in the Rafflecopter widget below:

    a Rafflecopter giveaway

    RSS and email readers: Click here to reach the form.

    Chief Family Officer Updates


    Updates | Chief Family Officer

    In an effort to make things as useful as possible for you, we’re making some changes here at Chief Family Officer. The most immediate change you will see will be in this week’s Ralphs match ups. Rather than providing a short list of highlights or match ups for the entire ad, we’ll be going back to highlighting the best deals from the ad in all categories.

    Based on feedback, we’ll also be transitioning away from full match ups for the other stores, and instead we’ll be providing you with the best deals via our Deal Roundups. (If you miss the full ad match ups, I recommend my friend Michelle’s site, Deal Mama.)

    If there are other changes you’d like to see here at Chief Family Officer, please leave a comment or send us an email at cfoblog *at* Your feedback helps us know what we can do to help you!

    Best of Stater Bros Deals and Match Ups: Feb 17 – 24, 2016

    Stater Bros deals and coupon match ups

    Here are the best deals starting today at Stater Bros., a supermarket here in Southern California. Don’t forget to print your coupons through the links in the match ups – it helps support Chief Family Officer at no cost to you. Thank you!

    Click here to see these match ups

    Best of Sprouts Deals and Match Ups: Feb 17 – Feb 24, 2016

    Sprouts coupon match ups and deals

    Here are the weekly deals for Sprouts, a market known for its natural foods and great produce prices. Don’t forget to print your coupons through the links in the match ups – it helps support Chief Family Officer at no cost to you. Thank you!

    Click here to see these match ups