The Christmas Gift That Could Change Your Financial Future

finances

Seven years ago on my youngest daughter’s first Christmas, her aunt and uncle gave her such a wonderful gift.

 

Instead of running out to purchase an extra toy for that eight month old (who clearly didn’t need a thing), they asked if they could spend their regular gift money on a savings bond for her instead.

 

We were thrilled.

 

The temptation to buy an extra gift for those kiddos is all too easy (even when we know they don’t need it!) And, while splurging on your kids is so much fun when they’re little, it’s amazing to consider what saving a few of those pennies could do to change their financial future.

 

Did you know that if you chose to invest just $50 today for your child, in thirty years that little $50 would turn into $872.50? (Assuming just a 10% annual rate of return?)

 

Now, that may not seem all that exciting, but what if you decided to invest $50 every year (4.16 per month) for the next thirty years . . .

 

Your total investment would be $1500, but in thirty years you’d have $9,905 in that little account.

 

Wow.

 

Now, let’s just say you go really nuts, put it all out there, and decide to give up a meal or two out each month to add $50 to that account every single month for the next 30 years (that’s $12.50 per week. I’m betting you can do that?) 

 

That little $50 each month ~ maybe just two meals out a month ~ would come out to a ridiculous total of . . .

 

{Are you ready for this???}

 

$109,438.68.

 

For real. 

 

Your total money invested would be $18,000, but you’d earn a whopping $91,000 in interest.

 

Craziness!

 

So, are you heading out Christmas shopping for that cute kiddo of yours today? :)

 

You might want to consider what pinching a few pennies instead could do to change the direction of their financial futureAnd, if you’ve not started investing yet for your own future, it’s kind of fun to take a few minutes to consider what just a small investment can do.

 

Check out this investing calculator to see just how strong the power of investing is ~ I love that it allows you to see how adding just a few dollars each month has the power to completely change the direction of your long term financial goals!

 

Take a minute to step away from the hectic holiday hoopla and contact an investing Endorsed Local Provider. They’ll help you determine exactly how much money you’ll need for retirement, and guide you in choosing the best investment options for your family. You’ll get a chance to start planning for the future and an opportunity to focus on your family’s long term financial goals.

 

Dave Ramsey’s Endorsed Local Provider program is also a great place to find tax help or a local real estate agent, or get insurance advice!

To get more information on how to invest wisely, click HERE and decide how to best plan for your family’s financial future.  Spend a few minutes getting information on investments from someone who understands how investing works, and change the future of your family’s finances today!

 

This is a sponsored by Dave Ramsey’s Endorsed Local Providers, however all opinions are my own.

 

 

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Amazon Best Deals of the Week (12/14/14-12/20/14)

 

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If you’ve never tried Amazon Subscribe and Save before, this is for you. Right nowAmazon Prime members can save 50% off any one Subscribe and Save order when using the code PRIMESNS at checkout. AND, if you’re not a Prime Member you can try it out for FREE for 30 days to take advantage of this promotion.

Here are the Amazon deals this week! If you haven’t tried out Prime yet, remember you’ll get one month FREE to see what you thinkI love Amazon Prime especially during Christmas season, so this is a great way to try it out!

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HP Chromebook by Samsung for $199

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 Large Lego Storage Container for just $13.24

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Little Tikes Anchors Away Outdoor Pirate Ship to $46.41

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Black & Decker Jig Saw with Smart Select Dial for just $29.97 (regularly $71,34)

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Lifetime Portable Basketball System to $89

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Kindle with Touchscreen Display to $59

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Dirt Devil Stick Vacuum to $14.99

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3-Tier Toy Storage Bin for $49.49

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Finish Powerball Tabs, Fresh Scent, 90 Count for only $9.99

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42 piece Rubbermaid Set on sale for $19.99

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 240 ct Lysol Wipes at Amazon and your price is just $.031 per wipe

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FurReal Friends Happy To See Me Pet to $14.77

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Cuisinart Advantage 12-Piece Knife Set to $22.77

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Huggies Simply Clean Baby Wipes, Refill, 648 Count $8.17

See more Amazon Deals, and remember when you subscribe and save to 5 or more items in one month, you’ll also save an additional 15% on all of your subscribe and save purchases.

Remember that pricing on Amazon is subject to change at any time.

 

This post contains affiliate links.  See my disclosure policy to learn more.

Join Amazon Prime for one month free – Watch Over 40,000 Movies for free plus get free shipping on thousands of items

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*HOT* Kohl’s Savings On Big One Pillow & Flannel or Fleece Sheet Sets

sheets

Kohl’s continues to have some great deals going on, and if you order soon you’ll have plenty of time for Christmas delivery! Their Big One Microfiber Pillow are as low as $5.99, plus use a few codes to sweeten the deal even more. And, their Cuddl Dud Sheets are the lowest price I’ve seen them (we have these and LOVE them), so you can get new sheets too!  Check out this deal:

 

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Place 2 Big One Microfiber Pillows in your cart $5.99 each

Place 2 queen set Cuddl Duds Flannel Sheet Set $29.99

  • Use the code CANES to save 15% off your order or 20% off your $100+ order with the code CANDY (Kohl’s cardholders, use the code HOLIDAY20 to save 20% off)
  • Pay $52.77 out of pocket, get back $10 Kohl’s cash
  • Makes everything $47 after coupons and Kohl’s cash ~ woot!

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I bought three sets of these sheets this year as Christmas gifts because I honestly love them that much. (I ordered the blue and green snow flake ones for our bedroom and the kids picked out more of the fun patterns.) Head on over to Kohl’s and see all the great deals going on right now!

 


Kohls Department Stores Inc 

Thanks, Sisters Shopping on a Shoestring!  Check out the rest of the crazy deals at Kohl’s going on right now.

 

 

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Dozens of Magazine Subscriptions Just $5 (Ending Soon)

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This weekend only choose from dozens of magazines subscription for just $5 or $.41 per issue! This sale ends tomorrow, 12/21/14, so order soon if you’re interested. These would make great Christmas gifts if you’re hoping to find an extra gift for someone on your list!

 

Find more top retail deals.

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Target 10 Minute Or Less List (Target Printable Coupon Matchups)

 

 

While you won’t get every deal at Target using only these printable coupons, you should get quite a few and save yourself oodles of time. Note that the prices are before the coupon, and also check out the full list of deals in the Target ad this week

Print all the Coupons.com coupon matchups for the Target sales ad ~ just click “unclip” if there are any there you’d rather not print.

Coupons.com  ~ all the coupons that match up with this week’s ad pre-clipped for you!

Coupons.com

[Read more…]

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Our Christmas Surprise!

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Soooo excited about our fun Christmas surprise for our kids today! Meet Summit ~ our new Goldendoodle. (My kids said last Spring that if we ever bought a dog they’d name him Summit so that when he got in trouble we could holler “dadgummit, Summit!”) :)

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When we moved to Ohio so many folks shared that getting a pet might help our house feel more like home, and already (in the 3 hours we’ve had him!) he seems to be just the perfect fit for our family. We are new to house training and having an indoor dog though, so I could sure use any tips you have.

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If you have any recommendations on favorite pet toys, house training, or puppies in general I would love to hear them ~ we’re so excited but a little lost too. So much fun though!

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(Pretty sure watching a sleeping puppy is like watching a sleeping baby – they just look so perfect, and it’s the only time they stand still. We love him already!)

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Amazon Toy Deals: VTech, Fisher Price, Barbie, Skylanders & More!

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Okie dokie folks, time to finish up your Christmas shopping while you can still get free shipping from Amazon! Here are the best toy deals I see available today. . .

 

VTech Go Go Smart Wheels Playset $30.14 (regularly $59.99)

Fisher Price Loving Family Doll House $53.97 (regularly $69.99)

Barbie & the Secret Door Princess Malucia Doll $6.10 (regularly $10.99)

Monster High Maker $50 (regularly $129.99)

Mini Lalaloopsy Ready Set Play $3.21 (regularly $11.99)

Skylanders Swap Force Starter Pack for Playstation $19.95 (regularly $49)

Disney Drawstring Frozen Tote Bag $5.75

Cinderella Royal Ball Game $9.89 (regularly $16.99)

Little Tikes Anchors Away Pirate Ship Sand & Water Table $44.09 (regularly $79.99)

VTech Tiny Touch Tablet $9.99 (regularly $24.99)

Little Tikes Princess Cozy Coupe $39.90 (regularly $61.99)

Little Tikes Mr. Cozy Coupe $44 (regularly $59)

Little Tikes Cozy Shopping Cart $32.99 (regularly $40.99)

 

Screen Shot 2014-12-19 at 3.56.04 PMDon’t forget you can get free one-day shipping right now on hundreds of items at Amazon as well, no Amazon Prime account required!

See more Amazon Deals, and remember when you subscribe and save to 5 or more items in one month, you’ll also save an additional 15% on all of your subscribe and save purchases.

Remember that pricing on Amazon is subject to change at any time.

 

This post contains affiliate links.  See my disclosure policy to learn more.

Join Amazon Prime for one month free – Watch Over 40,000 Movies for free plus get free shipping on thousands of items

 

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Half Price Starbucks Peppermint Mocha

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Don’t forget to go grab your half price Peppermint Mocha today!

 

Enjoy a half price Starbucks Peppermint Mocha tomorrow from noon until closing! Go HERE to learn more.

See more dining deals.

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*HOT* Britax Baby Carrier Lowest Price Ever

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Amazon just dropped the price on this Britax Baby Carrier in Black to $56.99, which is by far the lowest price it’s ever been at! It has excellent reviews, and ships free with Amazon Prime or Free Super Saver Shipping. Here are a few product features:

  • Carrylong system with padded waist belt and shoulder straps, distributes weight across shoulders, back and hips for maximum extended wear comfort
  • Multiple carrying positions offer parent versatility to face baby inward or outward
  • Removable infant insert ensures a comfortable, natural sitting position for smaller babies
  • Padded leg openings protect baby’s legs and Open and contoured design for breathability and temperature
  • Made In China
  • Carrylong system with padded waist belt and shoulder straps for maximum extended wear comfort

Go HERE to check it out! 

Thanks Raining Hot Coupons!  See more Amazon Deals, and remember when you subscribe and save to 5 or more items in one month, you’ll also save an additional 15% on all of your subscribe and save purchases.

Remember that pricing on Amazon is subject to change at any time.

 

This post contains affiliate links.  See my disclosure policy to learn more.

Join Amazon Prime for one month free – Watch Over 40,000 Movies for free plus get free shipping on thousands of items

 

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Step 2 Kitchen: Lowest Price at Kohl’s

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Still looking for a Kitchen Set this Christmas for your kids? Check out this deal:

Place Step2 Kitchen in your cart on sale $89.99

  •  Use the code CANES to save 15% off your order or 20% off your $100+ order with the code CANDY (Kohl’s cardholders, use the code HOLIDAY20 to save 20% off)
  • Pay $71 + tax out of pocket, get back $10 Kohl’s cash
  • Makes it $62 after coupons and Kohl’s cash ~ woot!


Kohls Department Stores Inc 

Check out the rest of the crazy deals at Kohl’s going on right now.

 

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