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  • Check out Chief Family Officer's Valentine's Day Pinterest board for lots of fun ideas to celebrate LOVE!
  • Recently read and enjoyed: Love Does: Discover a Secretly Incredible Life in an Ordinary World by Bob Goff
  • Enter for a chance to win a $25 Target Gift Coin gift card! And click here to see all of our current giveaways.

  • Morning Coffee: Nora Roberts book for $1.99, 1-cent copy paper at Staples & More

    Morning Coffee - July 5, 2015 @
    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. 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.

    ~ Today’s Kindle Daily Deal: Whiskey Beach by Nora Roberts for $1.99 {4.4 stars in 3,197 reviews}

    ~ New printables:

    $1.00 off any THREE Kellogg's Cereals
    $0.50 off (1) Shout product
    $2.00 off any THREE Glade products
    $2.00 off any Glade Automatic Spray starter kit
    $2.00 off any Glade Wax Melts Warmer
    $1.00 off any TWO Glade Automatic Spray Refills
    $1.00 off any TWO Glade Wax Melts 6ct. Refills
    $1.00 off any TWO Glade Jar Candles
    $1.00 off any TWO (2) Glade products
    $0.75 off 1 Glade PlugIns Scented Oil Twin Refill
    $0.50 off any 1 Glade PlugIns Scented Oil Warmer
    BOGO Playtex Sport Pads, Liners or Combo Packs
    $2.00 off TWO Pantene Shampoo or Conditioner
    $1.25 off ONE Pantene Styling Product

    ~ New Staples coupons: 1-cent ream of copy paper, free shredding, and more

    ~ For the Mommas: Short stack of pancakes for $0.57 at IHOP

    ~ Cupcake Project: How much does a cup of flour weigh, and does it matter?

    ~ Andrea Dekker: Use the 80/20 rule to declutter

    ~ The Kitchn: How canning was invented

    July 2015 Reader Appreciation Giveaway: $25 GAP Options Gift Cards (2 Winners)

    GAP Gift Card Giveaway | Chief Family Officer

    Each month during 2015, we’ll have a month-long Reader Appreciation giveaway. The prize for July is a $25 GAP Options gift card! It can be used at the GAP family of stores (including Banana Republic and Old Navy), and there will be two winners!

    GAP Gift Card Giveaway |

    Some of the entries can be done every day, so be sure to bookmark this page and come back daily to increase your chances of winning. To enter, simply follow the directions in the Rafflecopter widget below – and thank you for reading CFO!
    a Rafflecopter giveaway

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

    A Few Easy Ways to Curb the Cost of Being a Homeowner

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

    Being a homeowner is one of the most pivotal aspects of being a responsible adult. That humble house is supposed to represent a sense of security, stability, and family. However, as great as it is to have your own home, that ownership often come with a hefty financial responsibility. The responsibility of paying the mortgage, bills, insurance, taxes and household upkeep, in addition to personal expenses, can seriously put a strain on your wallet.

    However, there are many things you can do to help curb the cost of being a homeowner:

    Take advantage of your tax deductibles: Many newer homeowners are unaware of the deductibles that are available for them to take advantage of – instead of filing your taxes on your own, this season partner with a qualified tax expert or use a detailed DIY tax return program, and learn how take advantage of available tax breaks. You may be eligible for deductions on your mortgage, closing costs, property taxes and home equity loans.

    Be more energy efficient: Being energy efficient is not only a way to save the environment, it can also help you keep some green in your wallet. You can take steps to being more energy efficient by upgrading your appliances to energy efficient options and by properly insulating your home to repair any open cracks. Additionally, you can purchase energy efficient power strips, switch to LED bulbs, hang energy saving blackout curtains, insulate your water pipes, use solar powered chargers, and do laundry less often.

    Consider a reverse mortgage: Home financing through a reverse mortgage is an option for homeowners who are 62 years or older. This option will allow you to turn part of your home’s equity into cash to help cover monthly living expenses.

    Brush up on your DIY skills: It goes without saying that it costs money to outsource home repairs and upgrades. However, it doesn’t do very much for the value of the home if you don’t properly maintain it. Therefore, the best option is to do it yourself. Now, it is still highly recommended that you save the massive projects for the experts, however, you are well able to tackle the moderate household repairs yourself – such as painting, replacing windows and doors, upgrading toiletries, insulating and landscaping. Learning how to become a home DIYer can save you a lot of money, and doing so will give you that sense of satisfaction and pride that you learned new skills and tackled projects on your own.

    Make extra money: There is no better way to avoid the sting of financial struggle than to make extra money so that you can comfortably live in the home that you love. This current age of technology has made it possible for anyone to make a few extra bucks every week. To begin, you have to determine your skills and think of ways through which you can capitalize on them. For example, if you are a good writer or web designer, you can freelance on the side. You can even become a product flipper – buy inexpensive/valuable items from thrift shops and yard sales and sell them for a little more on auction sites. Or, you can complete surveys, sell your handmade crafts or homegrown veggies at fairs, or build your own website or use social media to be an affiliate marketer for a few companies.

    The worst scenario for any homeowner is to struggle to make payments every month or to lose their home entirely. This isn’t the dream of homeownership. Therefore, is up to you to find ways to save money so that you can live the peaceful, secure life that you deserve.

    Morning Coffee: Free cereal, Cheap Head & Shoulders, & More

    Morning Coffee - June 23, 2015 @
    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. 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.

    ~ New printables:

    $2.00 off any Tinactin product
    $1.25 off TWO Crest Kids Toothpaste or Mouthwash
    $1.50 off (1) all product
    $2.50 off 1 of Kibbles 'n Bits 35lb or larger
    $1.00 off any one PLAY-DOH Mini Bucket toy
    $2.00 off 2 Purina Busy Bone Chew Treat
    $1.50 off two Purina Beggin' brand Dog Snack
    $1.50 off 2 Alpo Tbonz or Snaps or Biscuits

    ~ Money Saving Mom: Free samples of Yogi tea for a friend

    ~ Passion for Savings: Cheap Head & Shoulders at Target

    ~ Also at Passion for Savings: Free Veet strips at Target or Walmart

    ~ Deal Mama: Cheap diapers and possibly free wipes at Ralphs/Kroger

    ~ For the Mommas: Free Fisher Nut Exactly Bites at Walmart

    ~ Wild for CVS: Cheap styling gel at CVS, no coupons required

    ~ Freebies 4 Mom: $25 Walgreens gift card giveaway

    ~ The Kitchn: How to be a great host and introduce guests to each other

    ~ Wild for Wags: Free Quaker Oatmeal Squares cereal at Walgreens

    Taking Care of Your Skin as You Age: Tips and Tricks

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

    As we age, our skin tends to lose its luster. From fine lines and wrinkles to puffiness and sagging, our skin reflects our age, lifestyle habits and overall health and well-being. And while there’s a lot to be said for aging gracefully, protecting our skin is just good common sense.

    Keep reading for tips on reducing, preventing and even reversing the signs of aging on your skin.

    Healthy Skin, from the Inside Out

    Great skin starts on the inside. After all, our outer appearance is a direct reflection of our inner health, so, for a bright, glowing, younger-looking complexion, take the following factors into account:

    • Diet. If you eat lots of processed, starchy, fatty, high-calorie foods, your skin likely suffers as a result. These foods cause inflammation in the body, which speeds up the aging process and leads to sagging, dullness and the development of wrinkles. Revamp your diet by trading processed, unhealthy foods for fresh, whole foods like colorful produce, whole grains, lean proteins and healthy fats. Also, since even mild dehydration can add years to your appearance, be sure to drink plenty of water, and ditch the sodas, sugary juices and excess caffeine.
    • Activity levels. A sedentary lifestyle can wreak havoc on your skin and overall appearance. On the other hand, regular exercise can boost circulation in the skin, rid the pores of impurities and lead to a brighter, healthier complexion.
    • Sleep patterns. From dark circles and puffiness to acne and other complications, not getting enough sleep really shows on your face. And while getting a full eight hours can be challenging, sufficient sleep will keep your complexion looking fresh, bright and more youthful.
    • Stress. For many of us, stress is a unavoidable part of life. However, excess stress can lead to breakouts, rashes and irritation, premature aging and other unsightly effects. Combat these complications by reducing the stress in your life, or making an effort to manage stress more effectively. Exercise, practice deep-breathing techniques, or, when you feel the stress creeping up, take a short time-out to relax and regroup.

    The Best Products for Healthy Skin

    Sometimes, we need a little help in giving our skin that healthy glow. Include the following types of products in your skincare arsenal, and you can experience the fresher, brighter complexion you’re after:

    • Moisturizer. Even if you have oily skin, the right moisturizer can keep your skin soft, smooth and healthy, while also protecting against fine lines, wrinkles and other telltale signs of aging. For dryer skin, use a thicker, heavier cream or serum; if you have oily or combination skin, try a lighter, water-based formula.
    • Wrinkle treatment. To reduce lines and wrinkles, use products with retinol (a form of vitamin A). This crucial ingredient evens out lines and wrinkles, and promotes a healthy, more youthful glow. Also, an old, yet effective, at-home remedy for crow’s feet includes the use of a hemorrhoids treatment product applied to the skin around the eyes. This simple, inexpensive treatment can also help reduce puffiness and under-eye bags!
    • Blemish treatments. If you’re one of the many adults who suffer from acne, know that you’re not alone. Factors like stress and hormonal imbalances can lead to breakouts, no matter your age. However, older skin may not respond to treatments designed for younger skin, so look for products that have your age group in mind.
    • Sunscreen. Damage from the sun’s UV rays can result in wrinkles, age spots and discoloration. Protect yourself by using SPF 30 or higher, every time you’re out in the sun.
    • Exfoliants. Exfoliants can slough away dead skin cells to a reveal fresher, healthier complexion. Use these treatments sparingly, though, as too much exfoliating can lead to redness, dryness and irritation.

    Though aging is a natural part of life, taking care of your skin can help you look and feel better than ever before. Use the tips provided here, and start enjoying the benefits of fresher, healthier, younger-looking skin.