P&G Good On a regular basis: Financial savings, Rewards, & Extra!


April 19, 2021 | Crystal Paine


This post may contain affiliate links. Read my disclosure policy here.

Want to save money and also give back? Sign up for P&G Good Everyday program!

P&G Products

If you love P&G products, be sure to sign up with their new and improved P&G Good Everyday Program! It allows you to do more good with your everyday purchases, plus you’ll get access to exclusive savings and rewards!

What is the P&G Good Everyday Program?

For over 180 years, P&G and its brands have been doing good through multiple programs — including Tide Loads of Hope, Dawn Saves Wildlife, and more.

Last year, they decided to pair this part of their company with their rewards program to form the P&G Good Everyday program — which not only gives you the savings and rewards you love, but also allows you to use give to P&G’s partnered causes with your everyday purchases!

When you sign up, you’ll be able to earn points you can trade in for rewards and print coupons to save on your favorite brands!

Plus, by simply purchasing the P&G brands you already love and use, P&G will make an automatic donation to support your favorite cause. How cool is that?!

Oral B Orchid Purple Electric Toothbrush

How does the program work?

Getting started is really easy! You simple sign up here, create an account, and select a cause.

Every time you scan a shopping receipt that includes P&G brand items or take an online survey, you’ll earn points and P&G will also make a donation to your chosen cause.

You can redeem points for gift cards, sweepstake entries, experiences, or an extra donation to a cause you care about.

The P&G Good Everyday program helps you earn rewards for yourself while also doing good for the world!

How do I get savings & rewards?

P&G Good Everyday offers exclusive coupon savings to members. Simply click on the coupons tab, add coupons to your basket, and then click on the basket icon to print all your coupon savings.

To get rewards, you’ll have to trade in earned points. You’ll earn 25 points just for signing up. After that, you’ll earn 50 points for every P&G product purchased and 25 points for every survey you take.

Once you’ve earned enough points from purchases and surveys to trade in for a reward, just click on “redeem points” and choose your rewards to trade in your points!

Go here to get started with the P&G Good Everyday Program.


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FOR MORE COUPONS, search our comprehensive Coupon Database for manufacturer coupons, printable coupons, eCoupons, and more!


Sportspower BluPod XL Floating Tent simply $170.99 (Reg. $290!)


April 19, 2021 | Gretchen


This post may contain affiliate links. Read my disclosure policy here.

Oh my goodness! This Sportspower BluPod XL Floating Tent looks like SO much fun!

Sportspower BluPod XL Floating Tent

Zulily has this Sportspower BluPod XL Floating Tent for just $189.99 today! Plus, when you shop through our link, you will save an extra 10% off at checkout making this only $170.99!

Little ones play or relax in all the swaying fun of a hammock with this one-of-a-kind tent. Just hang the piece on the included stand and it’s cushioned interior is ready for fun.

Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight!


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A Peek Into the Final Few Weeks


April 19, 2021 | Crystal Paine


We helped out at an Easter Hunt for local foster families and DCS families. Kierstyn didn’t quite know what to think.

She ended up lying down in the grass for part of it! We laughed that she was sun-bathing instead of collecting Easter Eggs.

We also tried to get family pictures on Easter.

That was quite the ordeal — as you can read about here.

Baby D had his first big cleft surgery — this one to repair his cleft lip.

He had some complications after the surgery and ended up needing to stay in the hospital for longer. (Mostly just that he had a little trouble after the sedation to be able to breathe on his own, so he needed supplemental oxygen for an extra day and a half.)

One of his favorite books! (And a sweet follower sent us the Spanish version, too!)

There were some additional concerns when we were staying at the hospital, so they ended up doing an 18-hour EEG (this is the back of his head, by the way — when I posted this picture on Instagram, so people were concerned that his face was wrapped up!)

It was so hard to have him all hooked up to so many wires for hours. Gratefully, he slept through some of it and they allowed me to hold him for some of it, too. He was SO happy to get all of the wires off, though!

After a day and a half in the hospital, Baby D took a huge turn in the right direction! Not only did his levels stop tanking when they took off the oxygen, but they EEG was completely normal!

Even better than both of those things, early Wednesday afternoon, our boy “woke up” — he started smiling and talking to me instead of just fussing and acting agitated and confused and out of it!

I could barely contain the tears! I didn’t realize how much I’d been holding my breath for two days — concerned that something was really wrong since he wasn’t acting like he knew me at all and hadn’t really been interactive at all except to be make it clear he was in a lot of pain and frustrated.

I FaceTimed Jesse so he could see and said all emotional, “Our boy is back!” He then proceeded to talk and smile with Jesse, too!

Since he did so well the entire day and was able to maintain good O2 levels without supplemental oxygen, he got to come home last night!!! We are so thrilled and grateful. And so humbled by the outpouring of prayers and support from you all! Thank you seems inadequate!

I feel like God is growing my compassion and empathy so much through this. The past few days were a tiny drop in the bucket compared to so many families we saw and interacted with at Vanderbilt. I spent a lot of time at the hospital thinking and praying for other mamas and daddies sitting at hospital bedsides.

Since we are likely going to be spending our fair share of time at the hospital over the next few years, I started keeping a log of things I learned/want to remember for next time:

1) Get showered and dressed by 6 am. Otherwise, it probably won’t happen!

2) Bring your own pillow, blanket, body wash, and towels.

3) Don’t forget disinfectant wipes!!

4) Pack more snacks!

5) Make it your goal to encourage and show gratitude to every person who steps into your room. Working at a hospital is hard — do all you can to make the staff’s job as enjoyable as possible.

6) If you have an opportunity to eat or drink or walk outside your room for a minute, take it. You never know when you’ll get the next chance. (What other tips would you who are pros add to my list?)

I was so honored to be on The Christy Wright Show recently! (You can watch it here.)

Kierstyn was so happy for David to get HOME from the hospital!

She was

 


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The Finest Monetary Personalities to Comply with on Social Media


Social media can be a time sink or a tool for becoming your best self – it all depends on how you curate your feed.

But carefully choosing who you follow isn’t just about getting the best advice and information. It’s also about finding the personalities that will consistently inspire and challenge you.

By following the best and brightest personal finance experts, you’ll learn to think about money the way they do. Here are some of our favorite accounts to check out.

1. Tori Dunlap // HerFirst $100K

Gen Z financial expert Tori Dunlap focuses on career issues like negotiating and getting a new job, but she also touches on general finance topics like the power of investing or switching to a high-yield savings account. Follow her on Instagram and TikTok for bite-sized snippets on how to simplify and improve your finances.

2. Daniella // I Like to Dabble

Daniella is the queen of side hustles and shares her secrets for making money online. If you’re experienced with graphic design and social media and want to make money, follow Daniella for tips on monetizing those skills.

3. Travis Hornsby // Student Loan Planner

If you find student loans as confusing as speaking another language, you need to follow Travis Hornsby from the Student Loan Planner. Hornsby explains breaking student loan news along with the intricacies of student loan specifics, like the differences between various federal repayment plans or how to qualify for loan forgiveness. Follow the Student Loan Planner to stay updated on any major changes that could affect your student loans.

4. Jeremy Schneider // Personal Finance Club

Jeremy Schneider creates emoji-filled charts and graphics explaining basic investing concepts, like how compound interest works or how to calculate your net worth. Even an investing novice will find Jeremy’s posts easy to understand – and more importantly – simple to implement. Follow him on Instagram if you want to learn how to make investing work for you.

5. Chris Browning // Popcorn Finance

The mission of Chris Browning’s “Popcorn Finance” podcast is to explain personal finance topics in about the time it takes to make a bag of popcorn. His social media feed includes snippets from his interviews with other personal finance experts on topics ranging from “do my student loans affect my credit?” to “how to tell your friends you’re broke.”

6. Carmen Perez // Make Real Cents

Carmen Perez paid off $57,000 of debt in about two years. As a woman in tech, she shares her advice for growing your income, paying off debt and investing. With her variety of wigs and costumes, Perez’s fun Reels and TikTok videos highlight easy ways to save money, invest and live on a budget.

7. Haley Sacks // Mrs. Dow Jones

Haley Sacks blends humor and investing know-how on her Instagram page and YouTube channel. She shares basic educational investing videos like how to set up a robo advisor account, along with fun videos like “What Cardi B Taught Me About Money.” Follow her if you want your investing knowledge with a side of New York energy.

8. John and David // Debt Free Guys

Hosts of the “Queer Money Podcast,” John and David from the Debt Free Guys are a married couple who paid off $51,000 in credit card debt. Now, they help other couples and LGBTQ individuals see that being debt-free doesn’t mean a lonely, penny-pinching existence. Follow them for tips on paying off credit cards and living well on a budget.

9. Delyanne Barros // The Money Coach

Financial educator Delyanne Barros is on the road to financial independence – and she’s bringing you with her. Unlike other stodgy financial independence advocates, Barros doesn’t believe her followers need to deprive themselves to live a rich life. Instead, she explains that a smart investing strategy is the best way to build wealth.

10. Berna Anat // Hey Berna

When you’re paying off debt or learning how to save money, it can feel like you’re years behind everyone else. That’s why you should follow Berna Anat on social media. Known as the “Financial Hype Woman,” she celebrates her follower’s wins, like hitting $2,000 in an emergency fund or paying off $2,500 in credit card debt, with a personalized dance for each person.

11. Allison Baggerly // Inspired Budget

Former teacher Allison Baggerly is all about budgets. Unlike traditional personal finance personalities, she doesn’t prescribe a “one-size-fits-all” budget. Instead, Baggerly provides feedback on real budgets and explains the emotional motivations behind overspending.

12. Sahirenys Pierce // Poisedfinancelifestyle

Latina financial educator Sahirenys Pierce shares financial advice both in English and Spanish. Check out her two-minute Q&A sessions on Tuesdays where she answers questions like “When is my stimulus check being deposited?” and “What method did you use to pay off your debt?”

Her trademark “High-5 Banking Method” explains how to set up five separate bank accounts to meet your major goals without needing to budget every single dollar.

13. Bridget Casey // Money After Graduation

Canadian personal finance expert Bridget Casey explains the ins and outs of investing on her social media platform. She discusses how buying shares of Starbucks stock can let you earn a free latte for life or why Robo advisors are the perfect way to start investing. Casey is Canadian, but her content is relatable to Americans as well.

14. Tiffany Aliche // The Budgenista

Recently nominated for “Outstanding Social Media Personality” at the NAACP Image Awards, Tiffany Aliche is America’s money teacher. A former preschool teacher, Aliche answers questions like “how do I build good credit?” and “how do I save for a down payment?”

15. Jason Vitug // Phroogal

Jason Vitug exudes financial wellness. His social media posts are focused on using money to live a more fulfilling, well-balanced life. Instead of concentrating on the dollars and cents behind financial decisions, he wants people to understand why they spend money and how they can make financial choices that align with their values.

16. Talaat and Tai McNeely // His and Her Money

Money issues are cited as the number one reason for divorce – but financial experts Talaat and Tai McNeely of His and Her Money can prevent your relationship from meeting the same fate. Specifically, the couple, who paid off their $330,000 mortgage in five years, focuses on common money issues that affect marriages.

Author photo

Zina Kumok (123 Posts)

Zina Kumok is a freelance writer specializing in personal finance. A former reporter, she has covered murder trials, the Final Four and everything in between. She has been featured in Lifehacker, DailyWorth and Time. Read about how she paid off $28,000 worth of student loans in three years at Conscious Coins.

Links

Tips on how to Get Lengthy-Time period Care in Place for Getting old Household Members



So your parents have smartly paid long-term care insurance premiums of a few hundred dollars a month for 15 years. Now they need help in their house and are ready to file a claim and reap the financial payback of their prudent planning.

The average cost of a home health aide in a retiree’s home was $24 an hour last year, and most providers have a minimum requirement of six hours a day. It’s more if two people are in the home, even if only one needs care. So it’s great to have the long-term care insurance reimbursement covering a sudden and ongoing expense.

But whether planning for yourself or your parents, there is a lot to learn about getting help in place and filing a claim to get reimbursement checks arriving in the mailbox. Here are some tips, warnings and suggestions for communicating with insurance companies, caregivers, doctors and retirees.

How To Get Long-Term Care In Place

Care Must Be in Place Before a Claim Is Filed

Plan to have enough money to pay for up to two months of care before any reimbursements start. This doesn’t mean you have to start with five days a week. A client can start with just a half day a week and get the care approved by the insurance company, then move up to more.

Caregivers Must Be Licensed

Insurance companies won’t reimburse the cost of Aunt Lucille or Anna who lives next door to help take care of your dad while you are at work if they aren’t licensed. This is why you usually have to find someone from an agency, who carries their own insurance through their employer.

There Are Minimum Hour Requirements to Fill

Many home health care companies have a minimum of at least four to six hours a day. A client may need help with bathing, dressing and going to the bathroom, all of which don’t take six hours. This takes some getting used to for clients, who may feel awkward having someone else in the house who doesn’t have a task.

As the client and caregiver get to know each other, the client will be open to more help. Laundry, grocery shopping and meal prep can be added to the “to-do” list. Many seniors develop different sleeping patterns, sleeping more during the day and less at night and creating a vicious cycle of fatigue. A caregiver can be at a client’s side reading, playing games on all cognitive levels or prompting storytelling so they are awake during the day and sleep better at night.

This is time well spent and worth the cost, especially when long-term care insurance pays for much of it.

Independent Living Usually Isn’t Covered

Even if someone moves to a facility that offers assisted living, most insurance companies won’t pay a dime. Say your parents moved there because they want to enjoy having meals prepared for them and the social activities of a long-term care facility. Long-term care insurance won’t cover services that are merely convenient, only those that are essential such as bathing, dressing and dispensing medications when a client can no longer do these on their own.

Start With a Doctor’s Referral

Most long-term insurers want to see a record of a doctor stating he or she believes the patient needs help from a caregiver.

Paula Werk, founder of HomeWerks Home Care in Raleigh, N.C. has found a doctor is often more persuasive with a senior than family members.

“Let the doctor be the bad guy. They can say they feel it’s safer for the patient to have some extra help,” she said. “Their opinion usually carries more weight and (is) less hurtful than coming from the children.”

Honesty is crucial in a medical evaluation. Once a client has care in place and files for reimbursement, the long-term care insurer will send a contracted nurse to evaluate the person and make sure they need the care they and their doctor are requesting.

“You need to have a talk with your parents (or whoever is filing the long-term insurance claim) and tell them this is not the time to be proud,” Werk said. “Even if they can just barely manage to do things on their own but it causes them pain or they are unsteady on their feet dressing or bathing, they need to tell the nurse they do need help.”

Advice for Couples When Only One Person Needs Care

Couples with varying abilities can get help if just one person needs more extensive care. In many situations a husband or wife is taking care of their spouse in terms of bathing, dressing, transporting, feeding and more. The spouse needing care still qualifies for long-term care reimbursement for a professional caregiver even if a spouse has been able to assist.

“Sometimes you have to convince one spouse that he or she is going to collapse or worse trying to take care of the other,” Werk said. “Having a caregiver come in will allow both of them to be in a better situation.”

Insurance companies will still cover that help even if a spouse or child is able to do it.

But be sure when filing invoices and daily care reports with the insurance company that only the name of the insured is on the documents. For example, it’s okay if the caregiver fixes a lunch both the husband and wife eat even if the wife isn’t the insured, because the majority of the work, such as bathing, dressing, toileting, etc. is for the husband.

Finding a New Normal with Caregiving 

Keep trying aides until the match is a good one. If you secure help through an agency, ask to have a couple of different aides come each week, whether you need seven days of care or two. If the senior doesn’t really “click” with them after a few weeks, ask to try two different helpers.

Agencies want their clients and employees to be happy and should be glad to work with you to find the best match, Werk said. It’s also good to try to have at least two familiar caregivers in case one becomes sick or has to miss from time to time.

Long-term care insurers are fine with this. It’s the agency that gets approved for coverage, not the individual caregiver.

Katherine Snow Smith is a staff writer at The Penny Hoarder.




HUGE Sale on YETI Tumblers and Water Bottles + Unique Additional 10% off!


April 19, 2021 | Gretchen


This post may contain affiliate links. Read my disclosure policy here.

Love YETI? You can get some great deals on tumblers and water bottles!

YETI

Zulily is having a huge sale on YETI Tumblers and Water Bottles right now! Plus, when you shop through our link, you’ll save an extra 10% off at checkout!

There are lots of styles and colors to choose from but hurry – these are selling out quickly.

Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight!


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Native Banks, ATMs, and On-line Banks


If you need to deposit cash into your bank account, you have several options, including your local bank branch or an ATM that accepts deposits. While it isn’t possible to make deposits directly to most online banks, there are often workarounds, like using a money order or an in-network ATM.

Although many financial transactions are now cash-free and lots of people keep track of their finances digitally, cash is still important for many individuals.

When you need to deposit cash to your checking or savings account, there are a number of safe and convenient options, including local bank branches and certain ATMs. Online banks don’t usually have a straightforward way to deposit cash, but there are a few ways to get cash into your account even without a physical bank branch.

Jump ahead to learn more about how to deposit cash in your specific situation:

  • How to Deposit Cash at a Bank
  • How to Deposit Cash in an ATM
  • How to Deposit Cash With an Online Bank

How to Deposit Cash at a Bank

If you belong to a regional or national bank, you can make a deposit at any branch. If you are part of a credit union, you can make a deposit at your home credit union or another branch if your credit union is part of a larger network.

Making a cash deposit at a local bank branch or credit union takes just a few steps:

  • Fill out a deposit slip with your account number.
  • Place your cash and deposit slip in an envelope.
  • Hand your envelope to one of the tellers.

After making a cash deposit at a physical bank or credit union, the cash will be counted and the funds will become available in your account immediately in most cases.

how-to-make-a-cash-deposit-at-a-bank

If you aren’t able to get to your bank’s branch for any reason, you may be able to make a deposit at an ATM instead.

How to Deposit Cash in an ATM

Many banks allow customers to deposit cash directly in an ATM, but the process varies from bank to bank. Nowadays, depositing cash in an ATM is generally as simple as using your debit card at an ATM and placing the cash directly inside. That said, there are a few things to keep in mind when making cash deposits at an ATM.

what-to-know-about-depositing-cash-at-an-atm

Some ATMs Require Deposit Slips

Each bank has different ATMs, and some require a deposit slip or envelope for cash deposits. Make sure to read the ATM prompts carefully and use a deposit slip to note your account information and deposit amount if necessary.

Make Sure to Count Your Cash

If your bank allows for cash to be deposited directly into an ATM with no envelope, make sure to count your cash before placing it in the machine. While ATMs are generally accurate, they can occasionally make mistakes in counting and scanning bills. If you know the correct amount ahead of time, you can verify that the ATM has counted correctly after making your deposit.

If there are any issues, make sure to note the ATM’s location and the time that the mistake occurred to help resolve the problem.

Funds Aren’t Available Immediately

Unlike deposits made with tellers, the funds from cash deposits at ATMs are not always available immediately. Funds can take more than one business day to show up in your account, so be mindful of this if you need the money in your account right away. In general, ATMs directly outside of bank branches will process funds to your account more quickly.

Even if you have an online bank with no physical locations, there are still options for depositing cash.

How to Deposit Cash With an Online Bank

If you have an online bank with no physical locations, there are still options for getting cash into your account, but the process will vary based on your bank and specific circumstances.

workarounds-for-depositing-cash-with-an-online-bank

Try some of the following methods as alternative ways to get cash into your online bank account.

Transfer from Another Bank Account

If you have another bank account with physical branches, you could deposit the money in person, then make a transfer to your online bank account.

Use a Prepaid Debit Card

Some prepaid debit cards can be loaded with cash at retail stores. After loading cash, you can use the debit card’s online portal to transfer money electronically to your online bank account. That said, some prepaid debit cards involve fees, so you’ll want to be mindful if making small deposits.

Purchase a Money Order

You can purchase a money order at the post office as well as other locations, which allows you to send your cash deposit electronically to your account. Money orders may require a flat or percentage fee, so check in advance whether this is the right approach for you.

Find an In-Network ATM

Many online banks include a network of ATMs, which you can use to make a cash deposit directly to your account. Look into whether this is a possibility for your particular bank.

No matter how you deposit cash, make sure that you account for the funds when managing your budget.

Thank You E mail After Interview Is Required



Writing a thank you email after an interview might seem old school, but it’s still very much in vogue. In fact, most workplaces view post-interview thank you emails as common courtesy, if not an actual requirement to get the job.

High-ranking industry experts like Business Insider’s Jessica Liebman have even been quoted saying they won’t move forward with a candidate unless they receive a thank you note after the interview. So listen to what your grandparents say because it turns out that manners haven’t gone out of style.

It’s Good Manners to Say Thanks

Whether you’re prepping for another round of interviews or crossing your fingers that you impressed the hiring manager after the last one, thank-you emails are an important job search skill. Here’s everything you need to know about writing the perfect thank you note that may actually help you land the job.

Be Prompt

Just as you’d promptly thank someone for a gift, thank you emails should be sent quickly — as in 24 hours or less after your job interview. There are a few reasons behind this, and the first one is simply because you’ll still be fresh in the mind of the hiring manager’s mind. If you send a note a week later, your interviewer might have a hard time remembering you after talking with so many candidates. It’s also possible the hiring process is moving quickly, and sending a late note could even mean missing your window to send one at all.

Make it Personal

Another way to stand out in your thank you email is by personalizing it. This might mean including some little detail of your conversation or even inquiring about something the interviewer mentioned. For example, if they said the office was extra busy from an ongoing conference, you could ask them how it’s going.

These little personal details might seem like overkill, but anything you can recall and mention in your email will ultimately make your interviewer feel like you were listening and that you care. Empathy is a valuable trait in many workplaces, and being a good listener is a good way to flaunt those social skills for the hiring managers. If you have a tendency to forget details, get in the habit of taking notes directly after each interview.

Be Enthusiastic

If your email sounds boring or like you couldn’t give a Fig Newton about landing the job, that’s going to come through. When writing a thank you note, do your best to sound passionate and motivated — without ending every sentence with an exclamation mark. The best way to do this? Just be honest. Maybe you’re really excited about one particular aspect of the job, or perhaps you’re looking forward to working on a certain project. Whatever gets you jazzed about the position is worth mentioning, and your interviewer will appreciate the candid enthusiasm.

Go the Extra Mile

If you want the job and expect the hiring process to be competitive, now’s the time to pull out all the stops and to prove you’re the best candidate for the job. You might casually include some additional work samples that are relevant to the role, or offer a solution to a company problem that came up during the interview. Anything you can do to show off how qualified you are will give you an edge over the competition, as long as your efforts aren’t overwhelming. For example, while offering a solution in a sentence or two is good, sending a 30-page report probably isn’t.

Be Confident

Which brings us to our next point. Aside from actually sending the note, one of the most important parts of writing a post-interview thank you email is to come across as confident. Nobody wants to hire someone who seems overly unsure, timid, or like they’re begging for the position.

Make sure your letter exudes confidence (even if it’s a “fake it till you make it” situation), and end things on a positive and upbeat note. Skip any whiny-sounding sign offs such as “I really hope to hear from you soon” and close instead with “Hope you have a good rest of your week” or something similar. Act like your interviewer’s equal and treat them just as you would any colleague — friendly and professional.

Don’t Forget to Say Thanks

Don’t get so caught up in writing about these other details that you forget to actually do what you set out to accomplish at the beginning, that is, to actually thank your interviewer. I like to do this right off the bat in one of the first few sentences. Something like, “Thanks again for taking the time to speak with me,” always sounds good and lets them know you appreciate the time they took out of their day to interview you. Once you’ve thanked them, move on and don’t get caught in a web of “thank-you’s.” Say it once, then focus on developing your note with other points on this list, by making it personal or going the extra mile.

Include Your Contact Information

Chances are your interviewer already has your contact information, but it never hurts to add it  after your signature. Be sure to include your personal website address, email address, and phone number. This makes forwarding your information easier should your interviewer want to pass you along to someone for next steps, and it’s also just a common professional courtesy that makes life easier.

Keep It Short & Casual

Remember, the best emails are short and sweet, and email thank you notes should be too. Keep your email brief (as in 200 words or less), and even shorter if you don’t actually have much to say other than thanking them.

You’ll also want to keep your email casual, unless you’re interviewing for a position that calls for something more formal. If you referred to your interviewer by their first name in the interview, continue to do so in your email. Always remember: you want to write like you’re talking. If you wouldn’t say it, don’t write it.

Larissa Runkle is a contributor to The Penny Hoarder.




Inventive Ladies Membership Low cost (Simply $1.99 Per Equipment!)


April 19, 2021 | Crystal Paine


This post may contain affiliate links. Read my disclosure policy here.

If you have a daughter who is really creative or loves craft projects, don’t miss this chance to get an Annie’s Creative Girls Club discount — just $1.99 per craft kit plus shipping costs!

{Psst! Check out my other favorite subscription boxes for kids!}

Have a daughter who loves crafts?

Do you have a daughter who loves all things crafts?

If so, you don’t want to miss this fun deal to get 80% off your first craft box from the Creative Girls Club!

We’ve been receiving Annie’s Craft Kits for about a year now, and I’ve been really impressed with everything you get for the price. It would be such a perfect gift for a young child in your life who loves to create or do craft activities!

Creative Girls Club Llama Drama and Tribal Message Boards Kits

What is the Creative Girls Club?

Annie’s Creative Girls Club is a monthly subscription program created for girls ages 7-12.

Each monthly box comes with two craft kits, which includes easy-to-follow instructions and all the materials needed for each craft. Most of the crafts can be made with very little adult supervision.

There is a nice variety of craft kits, including painting, beading, stitching, paper crafting, jewelry making, and much more! Each month comes with new crafts, so it’s a fun surprise for kids to look forward to!

Annie's Jumbo Photo Clips and Chalkboard Banner

Get 80% off your first Annie’s Creative Girls Club Box!

If you want to try a box for your daughter, you can currently get an exclusive 80% off when you shop through this link! No promo code required.

With this discount, you’ll pay just $3.98 + shipping. Since each box comes with two craft kits, this is like paying just $1.99 per craft kit plus shipping.

Shipping adds $5.95, so you’ll pay $9.93 shipped for your first box with two craft kits.

The regular price on these craft boxes is $25.93 shipped, so this is a great opportunity to try a box at a much lower price!

Multiple Crafts from Creative Girls Club

{Note: After your first discounted box, you’ll be charged at the regular monthly price each month after that. But it’s really easy to pause or cancel your membership at any time after receiving your first box. Simply log in to your account and follow the instructions to cancel.}

Go here to get your first two craft kits for $1.99 each, plus shipping!


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Cut back the Value of Summer time Plans for Youngsters With a Camp Co-Op


Summer camp doesn’t come cheap. Parents can end up doling out thousands of dollars to keep their children occupied while school is out.

However, some families find a financial break in organizing their own summer camp cooperatives.

In a cooperative, or co-op, a group of parents collectively provide child care for their children over the summer. As Care.com puts it, parents generally take turns watching each other’s children, supervising activities similar to what kids might experience at traditional summer camps.

This informal arrangement keeps the summer fun without the summer-camp prices.

Families can customize their co-op to fit whatever works best for them. Some groups need only a week or two of camp, while others need the camp to last all summer. Some parents restrict the co-op to close friends or family members, while others are open to setting up an arrangement with neighbors or co-workers they know only casually.

There’s no one-size-fits-all plan for forming a summer camp co-op. Here’s how one set of parents made it work for them.

Taking Summer Camp Into Their Own Hands

Olivia Delgado, 5, plays at a playground during co-op camp in Chestnut Ridge, New York, in 2012. Olivia’s mother, Vicki Larson, helped organize the co-op camp with friends and neighbors. Photo courtesy of Vicki Larson

Several years ago, a group of friends and neighbors in Rockland County, New York, decided to develop their own summer-camp co-op.

“We found ourselves looking at the summer — 12 or 13 weeks of no school — and the cost of camp being unaffordable for most of us for that length of time,” said Vicki Larson, one of the parents who organized the camp.

Her daughter was 5 the first year of the co-op, which continued for three summers.

Larson said the original idea was to get about a dozen families to participate, alternating houses each week. The host parents would take a week off work to lead the camp. But that wasn’t ideal for everybody, so instead they ended up hiring their own camp counselors: parents, college students and teachers on summer break.

Larson said parents took turns hosting the camp in their homes, and the kids also spent time in neighborhood parks and at other local venues. Like a traditional summer camp, the children spent time doing arts and crafts, playing outside and exploring nature.

“One week, they would go to the pool every day,” said Adam Gorlovitzki, another parent. “One week they would go mountain hiking.”

Each family paid about $225 a week to cover the cost of the camp counselors, food and supplies — about half the cost of traditional summer camps in the area.

4 Tips for Setting Up a Summer Camp Co-Op

With a little planning, you can recreate a similar summer camp co-op that fits the needs and desires of your family. Here are four things you need to know.

1. Decide Who Will Be a Part of Your Summer Camp Co-Op

The Rockland County, New York, group mostly included children who attended the same school, although some were friends who just lived in the same area. They ranged from preschoolers to early elementary school students.

Gorlovitzki said it was great for the kids because they already had friends in the camp, and favorable for the parents because they got to select the teachers and could weigh in on camp activities.

When creating your own summer camp co-op, consider your child’s friends and classmates. Keeping it to one narrow age group will make it easy to plan age-appropriate activities. Choosing families who live in the same neighborhood or close by will make drop-offs and pick-ups a breeze.

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2. Choose a Location (or Locations)

Larson recommended putting a lot of thought into where the camp will be held. The places should be child-friendly, the hosts must be comfortable opening up their homes and there needs to be enough space to accommodate all the children, she said.

“Kids need a variety of activities during the day, so you want to make sure the space lends itself to [that],” she said.

“It makes sense to not commit to one location if it’s someone’s home because you really are kind of taking over their space,” added Leslie Laboriel, another of the camp’s organizers. “It’s nice to be able to move [the camp] around a little bit to give [host parents] the opportunity to have their homes back.”

3. Figure Out What You Want to Do

One of the benefits of forming a summer camp co-op is that parents have a say in how their children will spend their days. Beyond reaching a consensus among other parents, the sky’s the limit in what you choose to do.

Larson suggested parents identify who is comfortable with doing the administrative tasks, organizing the spreadsheets and figuring out rates.

In planning sessions, organizers should think about how they’d like to structure the camp, what types of activities they want the kids to do, who will handle communicating with all the parents and how they’d like to deal with finances without making it cumbersome, Laboriel recommended.

4. Have Parents Sign a Waiver

Larson said it’s important to get all the parents in the group to sign documents absolving the host family and teachers of liability should any incidents arise.

Definitely have parents sign a waiver,” she said. “It’s not ironclad, but it gives you a little sense of security that if something happens, you’re not going to get sued.”

In addition, make sure the adults hosting the co-op or serving as camp counselors know about any allergies or medical conditions the children have. The parents should also all be on the same page about following COVID-19 guidelines. Summer camp is all about fun, but you want everyone safe and healthy, too.

Nicole Dow is a senior writer at The Penny Hoarder.