K’Nex 375 Pc Set Just $11 (Reg $19.95)

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knex deal

Hurry on over to Walmart.com and grab this deal on a K’Nex 375 Pc Deluxe Value Tub for only $11!  This normally sells for $19.95 — which makes it almost 1/2 price!  Keep in mind that you will have to pay shipping charges, unless you spend $50.  There is a way around that – just opt to pick it up in your store instead!

  • Includes 375 pieces
  • Includes 30 building ideas
  • Convenient storage tub
  • K’NEX toys allows children to use their imagination while having fun

Visit Walmart.com to grab this one before the price goes back up (or it is out of stock).


Baby Trend Double Snap ‘n Go Stroller Just $11 Shipped (After Gift Card)

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stroller

As we shared yesterday, Target is offering free sitewide shipping on all orders right now – yeah!!  That turns this deal amazing!  You can purchase this Baby Trend Universal Double Snap ‘n Go Infant Car Seat Carrier for $40.99 shipped.

However, right now, you can get a $30 gift card with your purchase – making it just $11 after you net the gift card! this would make a great gift idea!!

Kroger Weekly Deal 10/22 – 10/28

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Kroger logo

 

Below you will find this week’s top deals at your local Kroger store! Keep in mind that there are many regional stores, so the prices and deals may differ slightly from what you see at your local store.

 

BABY / CHILD
BAKERY / BREADS
BEVERAGES
BREAKFAST
BOXED / CANNED / JARRED
DAIRY / REFRIGERATED
FROZEN
HEALTH / BEAUTY
HOUSEHOLD
MEAT / SEAFOOD
SNACKS

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LeapFrog LeapPad2 Power Learning Tablet: $59.99 (was $99.99)

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The LeapFrog LeapPad2 Power Learning Tablet is on sale for just $59.99 (was $99.99).  This includes a one-step recharger pack (a $40 value)

  • Create, learn and explore with the #1 kids tablet. Now with an included one-step recharger pack – a $40 value!

  • Features front-and-back 2 megapixel cameras/video recorders, eReader, music player, motion sensor, 5-Inch touch screen and 4GB memory.

  • LeapPad2 Power includes 9 apps (onboard and downloadable): Photo Lab, Art Studio, Pet Pad, LeapFrog Learning Songs and more.

  • Works with LeapFrog’s educator-approved library of over 800+ games, eBooks, videos and more.

  • LeapFrog is the leader in educational tablets for kids. Ages 3-9 years.

CLICK HERE TO ORDER YOURS

**Shipping is free if you are a member of Amazon Prime or if you spend $35 on qualifying Amazon purchases. Prices and availability subject to change. Make sure you confirm the price prior to purchase. If the price noted above differs from what you see on line, it simply means that this deal has expired since the time it was posted.

Hooded Reebok Jacket: $15.01 (was $55)

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Here’s a fantastic deal on a Reebok jacket!  This Reebok Men’s Woven Jacket with Hood is on sale for as low as $15.01 (price varies slightly by size).

This woven jacket is mesh lined, has a packable hood, side seam pockets and color block details. Side Pockets and regular fit.

 

**Shipping is free if you are a member of Amazon Prime or if you spend $35 on qualifying Amazon purchases. Prices and availability subject to change. Make sure you confirm the price prior to purchase. If the price noted above differs from what you see on line, it simply means that this deal has expired since the time it was posted.

New Checkout 51 Offers: Pledge, Boulder Canyon Chips, Glade Jar Candles & More!

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New-Checkout51Offers 102314

Tomorrow is Thursday, which means that the newest Checkout51 Offers will be released.  Remember that these are valid for just one week, so purchase your items and submit your receipt before they are gone! Here is a heads up of what you will find!

Pledge®
Any variety. Excludes Pledge® Multi Surface Antibacterial Everyday Cleaner.
Cash back: $1.00
Colavita Extra Virgin Olive Oil
17 oz or larger, any variety.
Cash back: $1.00
Bananas 
Any brand. Excludes frozen varieties.
Cash back: $0.25
Salad mix
Any variety of pre-packaged salad greens. Excludes loose produce.
Cash back: $0.25
Glade® Wax Melts
Any variety. Excludes Glade® Wax Melt Warmer.
Cash back: $1.00
Glade® Jar Candle
Any variety.
Cash back: $0.50
Boulder Canyon Chips
Any variety.
Cash back: $0.50
TGI Friday’s® Snacks
Any variety.
Cash back: $0.50
SUPERPRETZEL® products
9 oz or larger, any variety.
Cash back: $0.75
Café Bustelo® products
Any variety.
Cash back: $1.00
Mrs. Renfro’s Salsa
Any variety.
Cash back: $1.00
McCormick® Grill Mates® Steak Sauce
Any variety.
Cash back: $1.00
Buy 2: McCormick® Grill Mates® Seasoning Blends
Any variety. Items must appear on the same receipt.
Cash back: $1.00
La Preferida Jalapeño Nacho Slices
Any variety.
Cash back: $0.60
La Preferida Black Beans
Any variety.
Cash back: $0.25
La Preferida Chick Peas
Any variety.
Cash back: $0.30
DOLE Pineapple Juice
Any canned variety. Excludes chilled and frozen varieties.
Cash back: $0.75
Arla Dofino® Cheese
Any variety.
Cash back: $1.00
RoC® Anti-Aging Products
Any variety. Excludes trial and travel sizes.
Cash back: $3.00
At RiteAid: SebaMed® Moisturizing Body Lotion
Any variety. Excludes trial and travel sizes.
Cash back: $3.00
SebaMed® Liquid Face & Body Wash
Any variety. Excludes trial and travel sizes.
Cash back: $3.00
Animeals 4 Kids sauces
Any variety.
Cash back: $1.00
Wild Garden® Hummus Dips
Any jar variety.
Cash back: $1.00
Kim & Scott’s Gourmet® Pretzel products
7 oz or larger, any variety.
Cash back: $0.75
LUIGI’S® Real Italian Ice products 
24 fl oz or larger, any variety.
Cash back: $0.75
World Peas
Any variety.
Cash back: $1.00
Buy 2: Nongshim Meal Noodles
Any flavor. Excludes Bowl Noodles and Cup Noodles. Items must appear on the same receipt.
Cash back: $0.50
Blue Dragon products
Any variety.
Cash back: $0.75
Urban Accents® Dryglaze™ Grilling Rubs
Any variety. Offer not available for online purchases.
Cash back: $1.00
Urban Accents® Spice Blends
Any variety. Offer not available for online purchases.
Cash back: $1.00
**Offers valid beginning 10/23/14**

If you haven’t heard about this rebate site, learn more about Checkout 51 HERE.

$5 Gift Card Promo @ Target = $16.49 a box!

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Oxytrol Deal at Target

Save over $10 a box on Oxytrol For Women when you combine coupons and Gift Card Promo! This is a great stock up price!

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Peel And Stick 6-Foot Chalkboard or Whiteboard Decal – Only $9.99 Shipped!

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peel and stick chalkboard

I know I wish I had something like this around when my kids were itty bitties!! I didn’t want to paint an entire wall with chalkboard paint, and this would’ve been so nice to have since it’s a peel and stick product! Grab a Peel And Stick 6-Foot Chalkboard or Whiteboard Decal for just $9.99 shipped today!

  • Transform any wall into an intentional writing surface
  • Installs onto any clean, smooth surface or painted dry wall
  • Can be cut into any shape or size
  • Easily wipes clean with cloth or towel
  • Can also be used on tabletops for a creative work station
  • List all your vital thoughts, school or business data, and personal communications
  • Non-toxic and 100% lead free vinyl
  • Your choice between chalkboard or whiteboard style
  • Perfect for children
  • Brand New
  • 30 Day Warranty

You can’t miss this great deal on GOGO Squeeze @ Target!

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GOGO Squeez $1 a box @ Target!!

My kids absolutely love these pouches and I feel so good giving it to them! This is a great stock up price when you combine sale and coupons!

 

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Alternative Ideas to Filing Bankruptcy

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alternatives to filing bankruptcy

 

The biggest obstacle to someone with a crushing debt burden is a lack of knowledge of how to get their arms fully around the problem, and know how to go about making it right. They do not know fully what options are available to them, and if they do, they are unsure as to what the right first step for them is.

I know, because in June of 2010, I was in that exact situation.

We knew bankruptcy was an option. While we didn’t know much about the process, we did know that it would affect our credit, and our financial options for years to come. We decided to search for alternative solutions. We hit the internet, and found two debt relief options that we hadn’t heard of before.

 

Debt Management Programs

 

Debt management programs, also called debt consolidation programs or credit counseling, is a way for people to pay off their unsecured debt using a third party debt relief company. A debt management program (DMP) works like this:

  • Customer enrolls in a DMP with a debt relief company providing them with information regarding the accounts to include in the program.
  • The debt relief provider negotiates a monthly payment and reduced interest rate with the creditor that results in elimination of the debt in 3-5 years.
  • The customer makes a single payment to the debt relief provider, including a monthly administration fee based upon the amount of debt enrolled in the program. This fee usually ranges between $10 and $50 per month. The debt relief provider then disperses the agreed upon payment amounts to each individual creditor.
  • In exchange for a fixed monthly payment and reduced interest rate, creditors close the accounts so no additional debt can be accumulated. While the act of enrolling in a debt management program does not affect your credit score, the closing of accounts will affect your debt to income ratio, as well as your credit history likely causing your credit score to dip in the beginning. However, by making consistent payments to the DMP, as well as to other financial commitments, a customer’s credit score usually rebounds quickly.

DMPs generally work well for people who are current with their payments, but just cannot make any progress on the balances due to high interest rates. By closing the accounts to avoid future debt, and having negotiated monthly payment and lowered interest rate, DMP customers can repay their unsecured debt within 3-5 years.

For more information about how a debt management program works, check out this article.

 

Debt Settlement Programs

 

A Debt Settlement Program (DSP) involves legal representation, and is aimed for people whose financial situation is a little more dire, but still would like to try to avoid bankruptcy. People who enroll in a DSP go through the following process:

  • Customers stop paying the creditors enrolled in the program
  • Customers make monthly payments to the debt relief provider to fund an escrow account.
  • Over time, the customer’s accounts become severely delinquent. The lawyer assigned to the account will then reach out to creditors to negotiate settlement of the account for less than the full amount.
  • The agreed upon settlement is paid from the escrow account.

Debt settlement will have a negative effect to a customer’s credit score since payments to the creditors are halted. Customers may also begin to receive collection calls from the creditor, at which time they are to inform the caller of the legal representation now handling the account. By law, this should stop the phone calls. There may also be tax implications for the amount of debt forgiven through a DSP.

DSPs are generally used by people who cannot meet all their monthly financial commitments and need to lower their monthly payments but want to avoid bankruptcy. By having the debt relief provider negotiate a settlement of less than the amount owed, customers can make progress on getting creditors off their backs in 3-5 years and then focus on rebuilding their financial future.

Click here for more information on how a Debt Settlement Program Works. < >

On July 1st, 2010, my wife and I enrolled in a debt management company. Within a month, all thirteen of our creditors with accounts totally over $109,000 of credit card debt were on board with a negotiated payment and interest rate. We made 55 payments of $2489, with the final payment being at the end of January of this year.

Up until a week before we enrolled in our DMP, we hadn’t heard of debt relief providers, debt management programs or debt settlement programs. There are countless people in the same position we were in then; in debt and looking for a way out, but just not sure what the first step is.

The first step is to educate yourself on all of your options, including debt management programs, debt settlement programs, do it yourself techniques and even bankruptcy. Once you fully understand all your options, only then can you make the right decision for you.

Are you looking to get out of debt but don’t know where to start? Have you looked into a debt management program, or a debt settlement program?

 

Travis Pizel blogs at Enemy Of Debt where he candidly shares his family’s experiences, struggles and successes as they fight their way out of debt. As a father and husband he provides a unique perspective on balancing debt, finances, and family.