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  • Enter to win one of two $25 Target Bean Bag gift cards!
  • Plus, enter to win another Mystery Box Full of Goodies!
  • Rent over 20,000 videos for $1.99 or less at Amazon.

  • Evening Roundup: Cheap deodorant, Free kids’ music & More

    Evening Roundup 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.

    - Use three of this printable coupon for $2/1 Speed Stick Gear deodorant at Target to get three deodorants for less than $1 after gift card offer

    - Amazon: Free MP3 download of Veggie Tales Silly Song Snack Pack

    - All You: Free sample of Dial 7-day moisturizing lotion

    - Krispy Kreme: Buy One Get One Free Original Dozen Doughnuts on 4/28

    - Money Saving Mom: Free Pretzelmaker pretzel on 4/26

    - Passion for Savings: Cheap Up & Up baby toiletries at Target

    - Hip2Save: Huggies diapers as low as $3.59/jumbo pack at Target

    - Printable Coupons: Rare Vidalia onions coupon

    Banner ad via Escalate Media Network

    Reader Appreciation Giveaway: Mystery Box of Samples, Full-Size Products & Other Goodies

    Mystery Box Giveaway

    It’s time for another Mystery Box giveaway!

    Like previous Mystery Boxes, this one is full of samples, full-size products, and other surprises. It’s just another way for me to say, Thank you for reading CFO!

    The current Mystery Box is a USPS Medium Flat Rate Priority Mail box like the one pictured above, and contains all of the mystery items that will arrive at the winner’s doorstep. If that sounds like fun, simply follow the instructions in the Rafflecopter widget below to enter the giveaway, and good luck!

    a Rafflecopter giveaway

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

    Use Your Taxes as Your Springboard

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

    Spring cleaning isn’t just about decluttering your house and making everything all clean and sparkly. Spring cleaning is about taking stock of your life. It’s when you look at where you’ve been, where you are, and where you want to go. Yes, a lot of those ideas manifest in the clearing out of physical clutter, but it also manifests in other ways, like getting your finances back on track . . . or did you think that it was a coincidence that tax time happens in the spring?

    Okay, well, it probably is a coincidence, but let’s pretend that it’s all part of a bigger system, okay? It’ll make this post more fun.

    Starting Up: What Are You Bringing In?

    The most eye popping number on your tax forms isn’t the amount that you owe or the amount you’re getting back. The most important number on your tax forms is your earned income. Trust us: now that you have that number, everything else gets a lot easier.

    Step One: What Is Your Debt to Income Ratio?

    The best place to start here is with your bills. Gather together all of your utility bills, your credit card bills, your car loan and mortgage bills and any other payments you might be making. This will give you a black and white evaluation of what you’re spending at a minimum each year. Divide that amount by the amount of money you brought in. This will give you your debt-to-income-ratio.

    According to the Consumer Financial Protection Bureau, you want a debt-to-income ratio that is below 43%. If your debt-to-income ratio is higher than 43%, you are more likely to have problems paying your bills on time. If the amount you pay out every year is higher than the amount you’re bringing in, that means that you are living on credit. Living on credit never goes well.

    Step Two: Lowering Your Debt to Income Ratio

    First – don’t be ashamed if your debt to income ratio is higher than 43% or even if you’re living on credit. What’s important isn’t what you did last year. What is important is what you are going to do this year. There are a few different approaches that you can take to reducing the amount of money you pay out every month (and year):

    1. Settle Your Debts.

    Settling your debts is where you work with a creditor to come up with a lump sum payment that is less than the full amount you owe but that you pay all at once to declare your commitment fulfilled.

    Sometimes you can do this yourself but it is usually better to work with a third party. Most creditors and debt holders prefer working with debt reduction specialists. They are also more likely to give you a better deal when you work with these companies and individuals than if you approach them on your own.

    2. Adjust your payments.

    Creditors and debtors want to keep your business. They would rather lower interest rates and forgive fees than have you close your account. Call them and ask them to work with you to make your debt repayment easier.

    3. Live on the Cheap

    Debts aren’t the only things eating up your annual income. Track your spending habits for a month or two and then evaluate: can you cut anything? There are lots of ways to live super frugally without having to give up the things you love. You just have to be creative.

    Remember: the goal is to be in a better financial position next year than you are this year. Even if you can’t get debt-free within the next twelve months, some progress is better than none!

    Best of Walmart Deals: Apr 21 – Apr 27, 2014

    Walmart deals and coupons

    Here are the best Walmart deals this week! You can get two freebies, as well as cheap Benadryl sticks, laundry detergent and more. Check out their official coupon policy here.

    Click here to see these match ups

    Earn Free Money: Swag Code Alert!

    Today between 10 – 11 a.m. PDT, enter Swag code MusicMonday for 3 Swag Bucks!

    If you’re new to Swagbucks, click here to find out why it’s my favorite way to earn free money {I’ve earned thousands of dollars through them!}. Then, click here to join Swagbucks and get a bonus 500 Swag Bucks when you make a $25+ Shop & Earn purchase – that’s like getting a FREE $5 gift card! This offer is only available to new Swagbucks members who join through this link and make a qualifying S&E purchase. {This promo is available to new members only. Valid only where Shop & Earn is available. Bonuses will be paid out to after the Shop & Earn earnings are paid out, up to 35 days from the purchase date. Offer ends May 7.}

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