Kohl’s Great Clothes Deals for December 2022

When I received the email that Kohl’s was offering 40% off I knew it was time to go shopping. Armed with my coupon, Kohl’s Cash, and Christmas shopping on my mind I was able to save $142.39 on this purchase. Click this link to watch!



Financial Freedom Kickstart For 2019 – Day 7

Savings will grow

The next thing to consider is what you plan on spending in the future and start saving for your future. Since we want to eliminate debt, we want to make sure that there is cash ready in savings for the things that you will want to do, see, and have.

If you have completed the Focus On Income from Day 5 and Calculate Your Monthly Expenses from Day 6, you should have dollar amounts at the top of the worksheet for Monthly Income and Spending Plan Total. The amount currently in your Spending Plan Total should be only your monthly bills or expenses.  Take the monthly Spending Plan Total and multiply it by 6, this is the amount you want to ultimately save in an account for your emergency fund of six months worth of expenses.

We recommend setting up individual savings accounts for each category of savings such as an emergency fund, health care fund, house fund, car replacement fund, school fund, travel fund, tax fund, investment fund, and retirement fund for any of the categories that are not being funded sufficiently elsewhere.

The very first savings account it is important to fund is an emergency account that contains at least six months of your expenses. As for the other accounts start to consider the future and what you will need your savings to be to support it.

Save the Spending Plan Worksheet and have it ready for tomorrow!

Self first, then kids, then wants…

Beautiful sports carIf you don’t take care of yourself how can you take care of anyone else?  This is our golden rule for the fourth phase in our financial freedom plan, self first, then kids, then wants.  This phase begins after all your debts have been paid off, except for your mortgage.

In this phase you set yourself up to be secure by establishing a full emergency fund of six months worth of expenses and ensure that a full 15% of the gross household income is being saved for retirement.  TIP:  Establish an automatic deposit into your retirement fund to make sure that money gets to where it needs to go!

Then you can establish a college fund for your children if you so choose.  Setting aside a set amount each month is the best way to reach your college fund goal.

After those have been established, then some of your wants can be funded as long as there aren’t any loans involved!  Set up accounts for each of the wants like cars, trips, and toys. TIP:  Please keep the total value of ALL vehicles less than 40% of your annual gross household income.

Take advantage of our FREE offer before time runs out!  Until Friday, June 19th, we are offering a FREE analysis of your financial situation.  Just complete the worksheets by clicking the link.  There is no cost or obligation and of course your information is kept confidential and secure.  Simply submit your worksheets, we will carefully review them, then schedule a follow up call to discuss how to accelerate your financial freedom journey.

A sales flyer worth opening

Image7 Courtesy of Stuart Miles at freedigitalphotos.net

Image7 Courtesy of Stuart Miles at freedigitalphotos.net

It seems every day we get more and more solicitations in our mail boxes.  Most get discarded and usually deserve to be.  But there are some that are worth a quick once over to make sure you aren’t throwing money away.

Kohl’s is one that should be scanned through.  They offer MANY ways to get discounted merchandise.  One is that they offer a 10% to 30% off your total purchase, this usually comes in the mail so be sure to peel off that label!  Inside the flyer they may offer $10 off a certain category of purchase like mens, juniors, home etc.  Be sure to open that flyer to find these valuable coupons.

In addition they offer a Yes2You, customer appreciation program which offers you $5 for every $100 spent.

Earning Kohl’s cash is another great way to stretch your dollar. The usual offer is $10 certificate for every $50 spent to use at a future date.

What makes all of this exciting is that there are VERY few limitations on these discounts AND they can all be used together, even on clearance or sale merchandise.

Let’s put some real money on this, recently we purchased $550 of clothes for $100 and received $20 in Kohl’s cash and $5 in Yes2You rewards.  So the net is $550 dollars worth of merchandise for $75!  Simply awesome.

Please share a some other great retail stores that offer the BEST DEALS!

Cutting the cable

Image courtesy of arztsamui from freedigitalphotos.net

Image courtesy of arztsamui from freedigitalphotos.net

Do you remember a time when you could watch TV for free? Maybe you had to buy an antenna.  I know it is a radical thought in this day and age where everyone has cable subscription service, but do you enjoy it enough to keep it? Is it just a habit to pay the bill every month?  Take back control of your television watching!  There are currently many options for your viewing pleasure beside cable television and usually with less commercials!  One is to watch programing from your computer, which can be streamed wirelessly with Chromecast or connected with an HDMI cable.  There are many programs available for FREE LIVE or sometimes you may have to wait for a short period of time after the show airs.  There are also online pay services like Netflix or Hulu that charge a MUCH lower monthly fee, mostly under $10 per month.  Consider it!  I am sure you could find a use for that extra $100 or more per month.  Couldn’t you?

What could you do with that extra $100 plus per month?


Image courtesy of  David Castillo Dominici from www.freedigitalphotos.net

Image courtesy of David Castillo Dominici from www.freedigitalphotos.net

Target Department Stores has some great ways for you to keep more of your money!  Besides the usual manufacturer’s coupons and Target coupons, they have a smart phone app called “Cartwheel” that provides some great savings.  The app is easy to use and it can be used to scan bar codes of products in your cart to see if there are any additional savings!  After you have added the products to the app it will produce a bar code that the cashier can scan which will deduct savings.  Be sure to sign up for coupons to be mailed to you as well they provide some pretty good offers.  Also their clearance is usually located at the ends of some isles and can provide some super deals.  Lastly if you use the Target credit card they will give you 5% off everything you buy.  There is some significant savings to be had.  Target has hit the bullseye for savings!

Please share other stores that provide great savings.