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Today only, subscribe to Byou – Be Your Own Magazine for only $7.99 per year (49% off)! You can order up to 3 years at this price! Just enter coupon code PENNYPINCH at checkout to watch the price drop. This offer expires at Saturday 02/28/15 11:59 PM EST!
Self-esteem magazine for girls 7-14 empowering confidence, inner beauty, anti-bullying, making a difference, being authentic, & positive thinking. Featuring positive tween & teen celebrity role models, real girls making an impact, self-esteem articles & tips, quizzes, contests, puzzles, jokes, & more.
Here is today’s list of FREE Kindle and Nook Books for February 27, 2015. Remember that you do not need to own a Kindle to read these books. You can download the free Kindle app to your tablet, smartphone or other electronic device and can read any Kindle books.
** These books are all free as of the time we do the post. Prices change quickly on Amazon, so if you don’t see that it is free, that is why. Just make sure you check the price before you download.
NOTE: If you happen to inadvertently purchase a Kindle which is no longer free, you can get a refund. Learn more about Kindle Return Policies.
**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.
Today only you can grab Rosetta Stone Level 1 software for only $69.00!! This is perfect for homeschooling or for those looking to learn a new language on their own! This same software is selling for $179+ other places, so grab it here today and save 61% off that price! This is a one day only deal, so don’t wait!!
Level 1 helps you to learn and speak with confidence, while building a foundation of vocabulary and essential language structure.
**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.**
We all know that we should be saving money, but do we do it the right way? The honest answer for most is, unfortunately – no. What if I could share a hot, brand new service available to you, which can actually help you save money more quickly? Would you be interested?
Enter Digit. This is a brand new *FREE* service which saves your money for you – so you don’t have to a single thing. Literally. You simply attach your checking account to the robots they’ve established, and they do the rest. Your income and spending patterns are analyzed and it determines what can be transferred into your savings account — without you missing the money! It is all automatically done for you!
So, why am I sharing this with all of you? Well, partly because it is new and you are all getting to be amongst the first to hear about it. I love it when I get the chance to do it – so you can tell your friends “Oh yeah – I heard about that a while ago from Penny Pinchin’ Mom!”
This all may sound just a little too good to be true. I wouldn’t blame you for any hesitation you might have about it, but I’m here to tell you that it really works like they say they do. With backers such as Google, it’s got to work or they would not even consider getting involved.
COMMON QUESTIONS AND ANSWERS
While you should review their entire FAQ section, here are some of the most common:
Is this free? Yes. There is absolutely no fee at all. Nothing hidden.
How does it work? Every few days Digit will review your account including your income/spending patterns. Then, it will move a few dollars from your checking account to your savings account for you. However, it does this only if it is affordable for you.
What if it transfers too much? They actually have a “no overdraft” guarantee. That means if they do transfer too much and it results in fees, they will actually cover that for you. However, with the technology they use, this should never be an issue.
Is this insured? Yes. It is FDIC insured, up to $250,000.
Is this safe? Yes. All information is encrypted and anonymized using state of the art security. That way, your personal information remains safe.
Do you have to set up new accounts? Nope. You can just use the accounts you have in place when using the software.
Are you limited to when you can withdraw your funds? Absolutely not! You just need to text them “withdraw” and they will send the money back to your checking account for you. This can be done as frequently as needed – again with no fees.
HOW THE SERVICE ACTUALLY WORKS
As mentioned above, you sign up and attach your checking account to Digit. Through a series of robots and coding (which requires people who are a WHOLE lot smarter than me), it analyzes your spending patterns to see when and how much you normally spend over a period of time. It then looks at how much money you make and determines how much money you “won’t miss” if it is in savings. It then transfers the money for you.
It doesn’t transfer hundreds of dollars, but just a few here and there. In fact, it is such a small amount that in most cases, you will truly never miss it.
You can easily check your balances by sending simple text messages. You can text “savings” to see your overall savings to date. You could even check “bills” to see what bills you have coming up soon. And if you need to stop savings for any reason, just text “pause” and they will not move any money for you.
It is so simple to use and just makes it easy to quickly rack up savings. You should pop on over and watch the short video on how it works, so that you can really see the process in action.
WHAT ARE THE CONS?
With every service, app or program out there, you know that there has to be those things that are not always positive. Here are a few things you might keep in mind before signing up.
It takes 1 business day to get your money back. So, if you need access to that savings, you will have to plan a least one day in advance as the transfer is not instant.
Not all banks are signed up. As of right now, they work with 2500 institutions. Yours may not yet be available, so you will have to wait and sign up when it is.
You have to be willing to text. If you do not text or do not use it for any reason (or maybe don’t have it on your phone), you can’t do it. You have to use text to authorize the app to run (part of the process).
Are you ready to sign up and start saving – without thinking? Then just do this:
This Druzy jewelry is SO chic right now! And Cents of Style is once again offering some of their most popular Druzy items for Fashion Friday (2/27/15): Druzy Jewelry Just $4.99 Shipped! Make sure you use code: DEAL27 at checkout. These pieces look perfect alone or stacked together – and for just $4.99 each, you can grab several pieces!!