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Woman Hand Pushing Button Smartphone

Apps That Help You Save While You Shop

Woman Hand Pushing Button Smartphone

Is the age-old tradition of coupon clipping still part of our weekly routine? Put down the scissors and walk away from the weekly store ads cause there is a better way to save. Stop the tedious searching for coupons and promo codes and download apps that find the deals for you. Not only will you save time but you will also find deals you might not have even realize existed. Here are some of the best apps to start using while shopping.

1. Jet

With the goal to build a better shopping experience for their customers, you can save tons by using the Jet app. With their real-time savings engine, the prices drop as you shop. You can get everything from toilet paper to bed sheets on Jet and the more items you add to your cart that have a tag symbol beside them, the lower the price will drop for each item. So buying in bulk for items like toilet paper, toothpaste and granola bars will save you more. The price per item also drops when you opt out for free returns, and pay with a debit card instead of a credit card.

2. Retail Me Not

Score deals at your favorite stores and restaurants with the award-winning app that makes it easy to save with thousands of deals from over 50,000 retailers. The app syncs with your map to notify you of the best deals near you. Whether you’re on vacation in a new city or just driving through your neighborhood, the app will alert you when a deal is near.

3. Shop Advisor

The Shop Advisor app does just what its name suggests, it advises you when the price is just right to purchase. You simply create a list of items you are interested in purchasing and the system watches that item and alerts you when the price drops the lowest online.

4. PriceGrabber

This app scans the prices on all sites that carry a specific item you’re shopping for and gives a full comparison report. The app gives you the bottom-line price, taking into consideration the shipping cost for an item. You can also simply scan a bar code of a product to get a quick, real-time view of where to purchase an item at the cheapest price.

5. Wallaby

If you take advantage of reward programs on credit cards, then you can double your rewards with the Wallaby app. When shopping for items online, the Wallaby system will scan your shopping cart and compare them with your credit card reward programs and tell you which card to use for what items, getting you the highest reward points possible. You can also set up notifications for when you’re getting close to your credit limit or when it’s time to pay a bill.

Tax Saving Tips- Save On Ac

How to Reduce Home Cooling Cost

Tax Saving Tips- Save On Air Conditioner

The Summer heat is in full force which means so is your AC system. If it feels like your vents are literally sucking money out of your pockets, then it’s time to make a few changes to save on your energy bill. Below you will find five easy ways to reduce your cooling expense so you can stay cool the rest of the Summer and not spend an arm and leg.

1. Use It Where It Counts

If you have a guest room or bonus room that is never used, don’t waste energy cooling it. Most thermostats are in the living room and the AC is regulated based on the temperature in that room. If you close the vents in unused rooms more cold air will blow into rooms with vents opened, causing the temperature to regulate faster and use less energy.

2. Use It When It Counts

If no one is home, then don’t waste energy keeping the temperature at a comfortable degree. It is recommended you set your AC  5 degrees higher when you leave and immediately set it back to the desired degree once you are home. So, if you like your home set at 72 degrees, set it at 77 degrees when you leave each day.

3. Shut Your Doors

Just like closing vents in unused rooms, make sure to always keep all interior doors closed. This will cut down the amount of square footage the AC is heating and cause your house to cool down quicker. Your system will turn on less, which will have a positive effect on your energy bill.

4. Change Out Your Filter

A dirty air-return filter can significantly increase the cost to keep your home cool this summer. Dirt and grime in the filter restricts airflow causing your AC unit to work extra hard to cool your space, which drives up your electric bill. Make sure to check all air filters and replace them regularly to ensure your system is working as efficiently as possible.

5. Run Ceiling Fans Forward

If you didn’t already know, you can set your ceiling fans to either spin clockwise or counter clockwise. When set clockwise, or reverse, the fan pulls air up and redistributes it, which is recommended for winter, since heat rises. When your fan is set to run counter clockwise, or forward, it pushes air down creating a cooling effect. This is recommended for summer. It’s a good idea to always adjust the direction of your fan based on the season to use it the most efficiently.

Happy Memorial Day

Least Crowded Vacation Spots to Go this Memorial Day Weekend

Happy Memorial Day

Since 1971, the last Monday in May has been recognized as Memorial Day, a federal holiday to remember those who died while serving in the country’s armed forces. Most people end up getting a 3-day weekend because of the holiday, which in turn means a lot of traveling. According to AAA Travel, last year 37.2 million Americans took a trip 50 miles or more for Memorial Day weekend. 37.2 million travelers means a lot of traffic and crowds to fight, and that stress is not something you want to be part of your 3-day vacation.

To help you in your quest for a crowd-free Memorial weekend we have compiled a list of the best places to go to lessen the stress of planning a trip. And if price is another stressor, we can help there as well. Advance Financial can get you the money you need fast with our FLEX Loan. Even if you’re planning your trip last minute, we are open 24/7 so you can come in or go online anytime.

Colonial Beach, Virginia

If it’s the beach you want, you’re going to have to accept a couple extra people to be crowding around you on the sand. Colonial Beach will still have an influx of vacationers grabbing a spot on the sandy shoreline, but it won’t be nearly as bad as some of the more popular destinations like Myrtle Beach or Destin.

 Buffalo National River, Arkansas

So you’ve decided that the beach is just too much of a gamble, but you still need to be close to a body of water. The Buffalo River is your ticket to low crowd relaxing while floating on an inner tube. The River flows freely for 135 miles and is a combination of fast-flowing rapids and quiet pool.

Saint Louis, Missouri

Memorial Weekend for Saint Louis means the local residents are fleeing to the southern shores, making it the perfect time to visit. The city is filled with tons of entertainment where you won’t have to wait in lines. From theme parks to live music shows, the city has lots of options to choose from to ensure your Memorial Weekend will be memorable.

New York, New York

Memorial weekend is one of the calmest times of the year for New York. Locals are rushing to get out to the beaches, which leaves the city a lot less crowded. New York also has a lower rate of tourist during this time due to the weather and people wanting to kick off their summer close to the beach.

Staycation

Yep that’s right, stay home. If you live anywhere that a beach is not present then the crowds are likely to be low. Even just going an hour away to a closer city with more to offer can be an option. There are loads of things to do in your own neck of the woods, you just got to get out and explore. An essential tool for a staycation is an app like Living Social to help make all your activity possibilities a little more visible.

Photo Credit:Liz Lawley

Woman Saving Money

How to Cut Down Your Heating Bill

The cold will soon be upon us and with cold weather also comes high heating bills. Whether your home is heated by electric or gas, the cost to heat your home can significantly increase if you don’t take certain precautions to run your system as efficiently as possible. The more energy used this winter the higher the cost will be, so the key is to conserve as much energy and heat as possible. To help out with being energy efficient this winter we have listed 5 quick and easy things to do to conserve the heat in your house which will help to lower your electric or gas bill.

airfilter

A dirty air-return filter can significantly increase the cost to heat your home this winter. Dirt and grime in the filter restricts airflow causing your AC unit to work extra hard to heat your home, which increases your electric bill. Make sure to check all air filters and replace them regularly to ensure your system is working as efficiently as possible.

filterpic


fans

If you didn’t already know, you can set your ceiling fans to either spin clockwise or counter clockwise. When your fan is set to run counter clockwise, or forward, it pushes air down creating a cooling effect. This is recommended for summer. When set clockwise, or reverse, the fan pulls air up and redistributes it, which is recommended for winter since heat rises.

fanspic


spaceheater

You might be thinking, “Wait? A space heater uses electricity!” If you turn down your ac a few degrees and run a space heater in the room that’s occupied the most, the amount of energy used from the AC is substantially less. Even with a space heater running. Just make sure to turn off the space heater at night, and bundle up with extra layers.

spaceheatpic


vents

If you have a guest room or bonus room that is never used, don’t waste energy heating it. Most thermostats are in the living room and the AC is regulated based on the temperature in that room. If you close the vents in unused rooms more hot air will blow into rooms with vents opened, causing the temperature to regulate faster and use less energy.

ventspic


doors

Just like closing vents in unused rooms, make sure to always keep all interior doors closed. This will cut down the amount of square footage the AC is heating and cause your house to warm up quicker. Your system will turn on less, which will have a positive affect on your heating bill.

doorspic

Save Money On Your Next Vacation

Tips to Save More While Sacrificing Less

SavingSacrificing

Everyone’s trying it and most fail at it. Why is saving money so hard to do? Along with the day-to-day expenses we all fall slave to, it’s easy to overindulge on things that bring you enjoyment. Although saving money is important to being financially stable, it shouldn’t make life dry and boring. Below we have outlined some ways to still be able to save, while also not having to sacrifice every enjoyable aspect of life.

Plan for The Fun

Making a weekly budget for groceries, gas, and bills is a given when trying to save money, but have you thought about making a budget for the fun stuff? Try budgeting an amount of money each week for extracurricular activities. Going out with friends, having a date night at the movies, or a shopping spree. Giving yourself an amount you are allowed to spend will keep your spending habits contained while also letting yourself partake in some fun.

Balance Your Wants and Needs

Most aspects in life are some form of give and take. When it comes to your finances, there are things you will need to spend money on and things you will want to spend money on. The key is to breakdown those expenses. Make a list of the things that you absolutely need and a list of the items you just want, that you can reasonably affordable. When making your “wants” list, put them in order of importance. Once all of your needs are taken care of put all money left over that was budgeted for those needs into a separate savings towards the item at the top of your wants list.

Save it for the Good Stuff

When making a budget for the “fun stuff” be picky what you spend that money on. Don’t blow it on something that won’t bring you as much happiness as something else. The key is to start planning out your activities for the week. Having a set schedule for fun, will also aid in keeping a set budget for it as well. Obviously, you can be flexible with this schedule, but making more conscience decisions about spending money on things you enjoy the most will help with spending less on those you don’t.

Change Some Habits

Yes, money can buy you a lot of things that can bring you happiness, but fun doesn’t have to cost a fortune. If the things you enjoy cost an arm and a leg, then switch it out with something else. Exploring all those free options that can bring you enjoyment will tremendously help with putting more money away for your savings. You might even find new hobbies and activities you never realized you would enjoy.

New Way Of Shopping

Apps That Help You Save While You Shop

New Way Of Shopping

Is the age-old tradition of coupon clipping still part of our weekly routine? Put down the scissors and walk away from the weekly store ads cause there is a better way to save. Stop the tedious searching for coupons and promo codes and download apps that find the deals for you. Not only will you save time but you will also find deals you might not have even realize existed. Here are some of the best apps to start using while shopping.

1. Jet

With the goal to build a better shopping experience for their customers, you can save tons by using the Jet app. With their real-time savings engine, the prices drop as you shop. You can get everything from toilet paper to bed sheets on Jet and the more items you add to your cart that have a tag symbol beside them, the lower the price will drop for each item. So buying in bulk for items like toilet paper, toothpaste and granola bars will save you more. The price per item also drops when you opt out for free returns, and pay with a debit card instead of a credit card.

2. Retail Me Not

Score deals at your favorite stores and restaurants with the award-winning app that makes it easy to save with thousands of deals from over 50,000 retailers. The app syncs with your map to notify you of the best deals near you. Whether you’re on vacation in a new city or just driving through your neighborhood, the app will alert you when a deal is near.

3. Shop Advisor

The Shop Advisor app does just what its name suggests, it advises you when the price is just right to purchase. You simply create a list of items you are interested in purchasing and the system watches that item and alerts you when the price drops the lowest online.

4. PriceGrabber

This app scans the prices on all sites that carry a specific item you’re shopping for and gives a full comparison report. The app gives you the bottom-line price, taking into consideration the shipping cost for an item. You can also simply scan a bar code of a product to get a quick, real-time view of where to purchase an item at the cheapest price.

5. Wallaby

If you take advantage of reward programs on credit cards, then you can double your rewards with the Wallaby app. When shopping for items online, the Wallaby system will scan your shopping cart and compare them with your credit card reward programs and tell you which card to use for what items, getting you the highest reward points possible. You can also set up notifications for when you’re getting close to your credit limit or when it’s time to pay a bill.

Small School Supplies

Best Back-To-School Deals

Small School Supplies

It’s time to stock up on supplies, because school is about to be in session. There are tons of deals out there for back to school, and we have compiled a list of the best ones. Whether you’re a college student in need of a comfy futon or you need affordable school clothes for your kids, this list covers all the best deals running right now. Most expire this weekend, so make sure and start shopping to take advantage of these deals.

If payday is too far away but you need some cash, apply online for one of our loans or come into one of our 72 stores open 24/7 and get the cash you need to stock up on school supplies. – https://.af247.com/blog

Clothing and Uniforms

Old Navy has some great back to school deals on uniforms and clothing with up to 50% off all kids clothing. Get active wear and uniforms starting at $5, shorts and dresses starting at $8, and fleece jackets starting at $12.

Right now at Shoe Carnival if you buy one pair of shoes, you get a second pair ½ off.  You can also save $10 when you use the code NEWSPIN for all online purchases.

JcPenny is running a buy one get one for a penny on select jeans and pants as low as $19.99. Uniform polos for boys and girls are priced at $9.99.

Kmart is running a back to school special with $6 character tees and select jeans for only $10. They have all their school uniform apparel 20% off this weekend as well. Shoes are all buy one get one %50 off.

School Supplies

For the best deals on elementary school supplies, Wal-Mart is the place to go. Right now they have Crayola washable markers priced at $2.77, 3 pack eraser set at $1. 46, 12 pack of CASEMATE pencils at $0.98, and many more supplies substantially cheaper than other stores.

Head over to Dollar General to get all of your notebooks and paper products. Right now they are running a deal of $0.33 on college and wide ruled notebooks, 125 count paper packs for $0.75, and 3 ring binders at $2.75.

Backpacks

Kmart has taken up to 30% off all backpacks.

Wal-Mart is currently stocked with a variety of elementary school backpacks at the low prices of $6.88.

Target is running a sale of up to 10% off all backpacks and lunch bags.

Electronics

Wal-Mart is taking up to $250 off select laptops. You can purchase online and get free shipping or find in stores.

Right now Apple is running a promotion that when you buy a Mac or iPad Pro for college you’ll get a free pair of wireless Beats headphones.

Best Buy is running deals on multiple electronics. Right now you can get $125 off select Mac laptops, tv’s for less than $500, and HP ENVY All-in-One Printers for just $29.99

Security Deposit For Loan

How to Make Sure You Get Back Your Security Deposit

Security Deposit For Cash

If you have ever rented an apartment, condo, or house, chances are you had to give your landlord a security deposit before moving in. For some this can be a substantial amount of money, ranging from a half or a full months rent sometimes. A security deposit is intended to pay for damages that a renter may have left after moving out, so if you’re a well behaved tenant you should have no issues getting that money back. Unfortunately, according to multiple studies, the majority of renters do not receive any of their security deposit back. To ensure you get all or most of your deposit, make sure and follow these simple tips.

Document all existing defects before moving in

Moving into a new place can be exciting, but don’t let that excitement get in the way of noticing any defects with the property. Most apartment complexes give you a form to fill out before move in that outlines any existing damages. Go through the property with a fine tooth-comb and find every defect imaginable. If your landlord doesn’t give you a form to fill out, create your own list to give to them before moving in. This will protect you from being charged a crazy amount for that tiny chipped piece of trim that was already there.

Read your contract and abide by the rules

Make sure you know all the rules set in place by your landlord and follow them. Things like installing new light fixtures, painting rooms, or having multiple pets can sometimes cause you to break the terms of the lease. Read the entire contract and know exactly what you can and cannot do. If your landlord gives you verbal permission to do something that is not outlined in the contract, make sure to get it in writing with their signature.

Keep it clean

Leaving your apartment smelling like old pizza is just asking for the landlord to start his inspection with a negative attitude. Clean that place better than you have ever cleaned it before. A lot of contracts have a mandatory cleaning fee that comes out of your deposit. Even if this is the case, clean it anyways. You do not want to give your landlord any excuse to take more than they should. After cleaning, ask to be present during the inspection and bring the list you created of existing defects before moving in.

Be informed of your rights as a renter

Did you know as a tenant of a rental property, you are awarded certain rights by the government? As a renter, you are protected by unjust practices such as, the actual amount asked for a security deposit, charges for ordinary wear and tear to the property, and not supplying a written list of charges to be taken out of a security deposit. In 47 states it is against the law for a landlord to take any amount of money out of your deposit without an itemized list of the damages and the cost to repair them. To find out about all your rights as a renter visit www.tn.gov/health/article/renters.

Thermostat- Energy Cost

How to Reduce Home Cooling Cost

Programmable Thermostat- Energy Cost

The Summer heat is in full force which means so is your AC system. If it feels like your vents are literally sucking money out of your pockets, then it’s time to make a few changes to save on your energy bill. Below you will find five easy ways to reduce your cooling expense so you can stay cool the rest of the Summer and not spend an arm and leg.

1. Use It Where It Counts

If you have a guest room or bonus room that is never used, don’t waste energy cooling it. Most thermostats are in the living room and the AC is regulated based on the temperature in that room. If you close the vents in unused rooms more cold air will blow into rooms with vents opened, causing the temperature to regulate faster and use less energy.

2. Use It When It Counts

If no one is home, then don’t waste energy keeping the temperature at a comfortable degree. It is recommended you set your AC  5 degrees higher when you leave and immediately set it back to the desired degree once you are home. So, if you like your home set at 72 degrees, set it at 77 degrees when you leave each day.

3. Shut Your Doors

Just like closing vents in unused rooms, make sure to always keep all interior doors closed. This will cut down the amount of square footage the AC is heating and cause your house to cool down quicker. Your system will turn on less, which will have a positive effect on your energy bill.

4. Change Out Your Filter

A dirty air-return filter can significantly increase the cost to keep your home cool this summer. Dirt and grime in the filter restricts airflow causing your AC unit to work extra hard to cool your space, which drives up your electric bill. Make sure to check all air filters and replace them regularly to ensure your system is working as efficiently as possible.

5. Run Ceiling Fans Forward

If you didn’t already know, you can set your ceiling fans to either spin clockwise or counter clockwise. When set clockwise, or reverse, the fan pulls air up and redistributes it, which is recommended for winter, since heat rises. When your fan is set to run counter clockwise, or forward, it pushes air down creating a cooling effect. This is recommended for summer. It’s a good idea to always adjust the direction of your fan based on the season to use it the most efficiently.

Summer Vacation

Great Vacations for Cheap

Summer Vacation

Need to get away but your financial situation won’t allow it? For a lot of families, a vacation can really set them back financially. You shouldn’t have to compromise when it comes to a great vacation, so we put together a list of the best vacation packages and deals going on right now. Check out our list below!

Island Drive Lodge – Pigeon Forge, TN

Relax in the beautiful Tennessee mountains at a resort located at the foot of the Great Smoky Mountains. There is tons to do locally with attractions like Dollywood , the Titanic Museum  and all the shops and restaurants of The Island entertainment complex being a stone’s throw away. Right now, you can book a room as low as $42 a night!

Click here to get this deal

4 Night Western Caribbean Cruise

Get aboard the Carnival Victory Ship and enjoy a 4 night vacation with destinations to Key west, Florida, and Cozumel, Mexico. This deal starts as low as $179 per person.

Click here to get this deal

Maui Sands Resort Waterpark – Sandusky, OH

With an amazing indoor water park, you and the kids can zoom down slides, float on a lazy river, and play in a treehouse with a dumping bucket. Rooms at this resort are spacious so you don’t have to worry about feeling cramped when it’s time to relax. Originally listed at $159 a night , right now you can book a room as low as $119 a night.

Click here to get this deal

Ocean Dunes Resort & Villas – Myrtle Beach, SC

Recently renovated, this resort offers a pool deck with beach access as well as a pass to the resort waterpark. Originally listed at $99 a night you can book now as low as $68 a night.

Click here to get this deal

Atlantic Palace Suites – Atlantic City, NJ

Sitting right along the Atlantic City Boardwalk, guests have access to casinos, restaurants, and the sandy beaches right across the board walk. Right now you can book a room at $99 a night.

Click here to get this deal

Newport Beachside Resort – Sunny Isles Beach, FL

restaurants, and the sandy beaches right across the board walk. Book a room now as low as $76 a night!

Click here to get this deal

Bay Palms Waterfront Resort – Saint Pete Beach, FL

Dolphins are almost a daily occurrence at this resort’s private ocean deck. With an amazing view and tons of restaurants and activities around you, this is bound to be a vacation spot to remember.

Click here to get this deal

Landmark Resort Hotel – Myrtle Beach, SC

Take a dip in the newly renovated indoor pool complex or walk out to the beach and stick your toes in the sand. This resort hotel is a steal starting as low as $41 a night.

Click here to get this deal