Credit Cards - Make Money in Rewards!

I never did finish my Methods Marathon, and Credit Cards was one of the topics I had wanted to touch on and update everyone with what is available right now out there. And, I get emails quite often asking what cards I use.

First, I would like to start by making sure everyone knows the rules of making money with credit cards. And, I will also be recapping my original credit cards post from last year for all my new readers.

1. ALWAYS, ALWAYS, ALWAYS pay your balance off in full!!!!

I cannot stress this enough. If you are not going to do this, then skip this method now. I don't want you even reading my advice. You will not make money, but simply lose far more than anticipated. The interest rates on credit cards are too high for you skip even one full payment. Don't do it! Always pay it off!

2. Reevaluate your credit cards each year and their benefits. Many times, the original offer you go for with free incentives and money back is only good for 6 months to a year. Once these incentives run out, it is time to move on.

3. Pay everything you can with your cards! $1.50 charge for candy at Walgreens? Yes, absolutely. $40 fill up at the gas station? You had better have charged that! EVERYTHING! It all adds up.

4. Do not overbuy because you have a credit card. So, many places I have read or seen on the news that families spend more when they have a credit card vs. cash in their pocket. I do believe this is probably true, if you are not frugal minded. But, if you are someone who has been reading my blog long enough, working a budget and know how much you can spend for each part of your budget, it is much easier to not overspend. If it helps, do the envelope system ( if you have ever used the cash envelope method ) and put your budget on the outside. Everytime you buy something, stick the recipe in that envelope and mark it off your total...so you know how much left you have to spend. It is a nice workaround, but you can earn money now!

4. Do NOT apply or own a credit card that charges a fee every year. Unless the value of the rewards are so "worth" this annual fee, there should be no reason to pay a fee. Most reward cards do not have them.

To start, why do I love credit cards so much? Well, they give you cash back or other incentives. And, as we can all tell from this website, I like to save and earn money for my family. So, I am not one to look a gift horse in the mouth, that is for sure. But, beyond getting money back, I also like the safety of using a credit card.

With a credit card, if someone steals my card or my number or any charge appears that is not valid, I don't have to pay it. Yes, that is right. I call my credit card company and they work it out with the provider or the issue if it is stolen. Money will NEVER immediately be taken from my checking account. What a great safety net!! Of course, if it is found out that the charge was valid, you will be required to pay it later. :-)

With debit cards, even if the bank will eventually refund your money if someone steals your card or number, you are still out the money until they do work it out. What if you don't have alot extra for bills, etc? Now, checks can be bouncing, etc. And, believe me, this has happened to someone close to me, so I know.

Finally, if you use a credit card, you are paying your bills a month in arrears. This means, your money sits in your checking account a month longer earning interest ( you do have a High Interest Checking account, right? ). This adds up to even more money in your pocket.

Now, how do you keep your credit cards straight with the rewards? For example, I have many. Some pay higher on gas, some on groceries, etc. The ones in my wallet ( and my husbands ) might get confusing. So, I bought small labels, and printed on them what they were for and then, I stuck it to the face of the card. So, now when my husband is at the gas station, he looks at his credit cards and pulls out the one that says, " gas". It doesn't get much easier than that.

You may be concerned about having a lot of credit cards and that it will play havoc on your credit score. But, you should be fine, if you understand the basics. First, having credit cards is actually good for your credit score, IF you aren't overspending to your limit, are paying regularly( which you better be ) and you show that you have good purchasing control. This means, simply put, that if you have a limit of $10,000 between 2 credit cards, and you are only spending $1,500, it shows you have self control. If you have $10,000 available and you are spending $9,500, it could raise a flag that you are in trouble. If interested in how credit scores are calculated, click here for a great article. But, you do want to watch and decide up front which cards you want. Everytime you do a hard inquiry ( meaning you apply for credit ), it stays on your credit report for a year to two years! So, don't apply for more cards then you need. Figure out upfront which cards are the best match for you!

SOOOO...what cards do I have right now? Well, with this crazy economy and market, the credit card offers don't seem to be as great as they were a year ago. :-( But, I do still have a few I like.

Discover® Open Road® Card

It is a wonderful credit card because they pay 5% back on Gas!!

But, please read the terms/conditions. How it works is that you get up to 5% of a $100 back a month. After you have bought $100 of gas in a month, you then only get 1% back. So, in total, you can get 5% on $1,200 a year.

What is a possible work around? Open an account for yourself and have your spouse also open one. Now, you both have up to 5% of $2,400.

Why else do I like Discover? They allow you to cash out and relatively low balances. In the past, I was always able to cash out at $20. I would have it applied directly to my statement and short pay my next payment that amount. And, you will still get paid at 1% on other purchases.

Click here to get your card.

Other Cards?

Well, I know a lot of you email me about the Utilities card I had last year...paying me 6%! Loved that one! But, it is gone...sorry.

I do still like a card that pays me 5 points in Thank You points at the gas/grocery/drugstore. These 5 points can then be redeemed for gift cards at approx. a 5% return to you.

You will get 1 on other purchases. Want this card? Click here

Why do I still have the Discover if this card will pay me with 5 points? Because I would rather get a cash refund if possible, then a gift card, which I can with Discover.

And, stay tuned, I will be adding a Credit Cards button and webpage soon. As new and wonderful credit cards become available, I will definitely let everyone know.

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Methods Madness Marathon!! Life Insurance!! I can Save $126!!

Update: Libby did my quote and going thru private insurance, instead of Ryan's work, can save us $126 approx a year!!!! Over 10 years,that is $1,260!! Thanks Libby! Yeah!!!!

Yes, I still have many methods to post on still, and it is Feb? What to do?

I decided to continue on with my little series until I get done going thru everything in my own household!!

Today, I wanted to focus on Life Insurance. I had never tried to save money here before ( I am getting ready to begin the process myself ), and I don't know that much about it. But, I do know it is something that is important to have for your families and if I can get a better price...I am game!

So, I have decided to enlist the help of a professional. Libby lives in my area of Ohio and graciously said she would do this guest post for me.

So, read below for more information on this topic and then give her a call. It won't take long and she can tell you if you can save money or not!! Let's hope she saves us all A LOT!! If she can't personally help you, she has informed me she will be able to find someone who can. Thank you, Libby! And, when you call....please tell her Carrie from MoneySavingMethods.com sent you!

Life Insurance

Refinancing your mortgage, shopping auto insurance rates ... all obvious tools to reduce expenses because these are things we know we control. But what about saving the money on things we can’t control… or at least we didn’t think we could!

Most employers offer 1x salary of life insurance for free. Which is the perfect price. But, in most households the free insurance isn’t enough to cover the loss of salary, educational expenses, the mortgage, etc. So, they give you the option to buy additional coverage at a set cost. This is a great deal for the older people nearing retirement who are less healthy and are of “advanced age.” But, for the young and healthy, it’s typically a bad deal. You find private life insurance for sometimes half the cost. The other benefit to private coverage is that you can take it with you. If you lose your job, switch companies, or retire, you own your coverage and can take it with you at the rate you bought it at. Otherwise, you’re subject to the new pricing at your new employer.

Already own private life insurance, now is a great time to shop around and see if you can beat your premium! Have a 20-year term policy and it’s been 10 years since you’ve taken it out? Try a new 10 year policy and you might be surprised at the savings without giving up any time on your coverage.

When I do comprehensive planning with clients I would say 75% of the time we can save them money by doing private life insurance. I would recommend you work with a broker/agent that can run quotes through several different companies so you know you’re getting the best price.

Since I am an avid couponer/money saver myself, I love to help other save money so they can redirect those dollars towards a different goal. I can price shop over 40 different insurance companies for you for no cost. I am licensed in OH, KY, IN, and FL. If you’re not in one of those states, call me anyways and I can find someone with my company who is! We can do policies via the mail/phone and we can talk about different options you have! Please contact me at libby.greiwe@thrivent.com or 513-239-2933. Have money saving!

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Method Madness Marathon!! Online Offers...AND New Offers fo all!!

Jenny D, this post is for you!!! :-)

Yes, so many of you have been waiting for this post. I keep getting emails asking when I was going to touch on this and introduce some new offers to do. And, the day has finally arrived!

New to my site? This is for you. Faithful follower but haven't taken the plunge? This is for you, too.

This method is one of the larger money makers for your family and can truly benefit your family this year!! As I have mentioned in the past, I have gotten almost $20,000 in free money from doing online offers. And, I am planning to make this a stellar year. Meaning, I have set a goal for myself to receive at least $5,000 this year in Online Offers. Can I do it? I hope so.

I started a new $500 offer earlier this week, and a $250 offer with a new company. Plus, I am going to be doing another offer this coming week. I hope to focus on one this coming week, too.

So, what are online offers? You can click here to read a full overview of the subject. Or, at any time, click on my Online Offers button in my left menu bar. You will also find many different offers you can sign up for yourself in the sidebars. I have them sorted by company.

But, a quick recap is that these are companies who will send you free gifts for trying multiple products. These free gifts could be anything from free money, free gift cards, Laptops, TVs, etc. The key to being successful is to actually follow thru in the process and make sure you stay organized!

What are some good offers to start with if you are new? I always recommend the $500 Gas Card offers from IDeal, just because I have done it already! Plus, it is a wonderful company to start with due to the fact they have good customer service, and quick turnaround ( usually about 2 months until you get your money ).

Are you one of my experienced readers and have already participated in the past? I know you are all itching to start some new offers. Well, here are some great finds for you. And, I will be adding these to my Online Offers webpage, too, for future reference.

IDeal - eSolutions Media

Remember, if you have done your max of $1,000 in 6 months on Top Notch with IDeal, you can still do offers with their other affiliated companies, such as eResearch Council. Yeah! So, I am excited that I have found some good offers for us with this company.

• $500 ( will probably come in VISA/Mastercard, so you an use on anything ) - FreeDiapersAndWipes.com Referral
  

IDeal - Bullseye Media, Inc.

• $100 - DesignerBeauty-Products.com
• $100 - GiftHouse.us.com
• $500 - RetailSurveyCenter.us.com
• $500 - GiftHouse.us.com
  

IDeal - 123 Click, Inc.

• $100 - ProductSurveyCenter.com

Also, I have added quite a few to the Netblue section!

Finally, if anyone is interested, I am trying a new company called Trainn. I have just signed up for the first time, but I have heard many good things from others.

Why have I liked this company so far? When you are registering, you can choose to either sign up and earn your money via points for doing offers OR you can choose to get most of your credit from referrals. You are allowed to change once after you sign up.

Another fun aspect, you can choose the gift, or they let you choose to get the value of the gift. So, I always like getting cash instead, and that is a plus for me. At least, this was the case in the offer I did.

When you log in, it seems like many offers to do, BUT the other plus is this company has a lot more offers to choose from AND alot I don't see on other companies. So, this is nice, so you will have enough to choose from while going thru the process.

I have also heard this company pays very quickly.

So, I am doing Your Nintendo Wii 4 Free, except I decided to simply that the $250 instead.

If you are ready for a new company and willing to try it with me, simply click here.

I hope these new offers give us all a bit more to work with in February.

Homework: Are you going to try Online Offers this year? If so, start now. This gives you the whole year to do many of them, once you find you like them.

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Method Madness Marathon!! Affiliates!

So, today, it only seemed appropriate that I touch on Affiliates after the large checks that came in over the weekend. It has, by far, surpassed all of my other money makers or savers! And, when I started my blog a year ago, I never dreamed it was possible to provide this extra for my family.

As you know, I also have an affiliate button in my left menu bar where I discuss the basics of my affiliate programs and provide links to the companies I have worked with and gotten paid. As I find new programs I like, I will add their sites to my webpage.

Click here to read more about affiliates or sign up with the companies.

So, what am I going to discuss on this topic today?

How I manage my programs as a blogger.

Of course, this post is going to be most helpful to those who are bloggers already. But, don't forget, it is very easy to start your own blog. The key is to write about something you absolutely love or enjoy.

And, towards the bottom, I will also have a program for non-bloggers to earn money, as well.

Once you have a blog, how do you earn money thru these programs?

First, you need to sign up for them. Click here.

Once you are a member, you have access to many, many different companies. You can then apply for specific companies you would like to see on your site or write about. After they approve you, you will gain access to links for banner or text ads to use.

So, what if you go thru all these steps and an advertiser denies you? This happens all the time. Especially to me, as I am still a small blogger. I always write them a very nice email then, thanking them for their consideration. I then ask if they could possibly review my site and provide me with any feedback of what I could change to bring my site up to compliance with their program.

After I write this email, they almost always approve me. They know I am serious. I want to promote their company! So, ALWAYS send an email if you get denied.

Next, how do I find which companies I want to promote?

Easy, I let them find me.

I do this by finding the topics I want to write about on a day to day basis. If I find a great deal/sale I am going to share, I immediately do a Swagbucks search on the name of the company and the word affiliate or referral.

It will then bring back results letting me know if they pay bloggers to advertise their product or company.

If they have a program, I sign up. That way, I then, potentially, get paid if people use the deal. If they don't, oh, well....I tried! But, you would be surprised how many companies have affiliate or referral programs. And, if they have a program, why write the post without joining the program.

I hope that gives a bit more insight into how I manage my affiliates. I know there are many different ways, but this method has seemed to work well for me. My goal is to only advertise for companies I am currently using myself to earn and save money. Of course, every blogger can establish the guidelines of how they want to run their own blog.

Now, if you are not a blogger and don't plan to start one anytime soon, how can you still make money from advertisers?

Thanks to Marianne at Writer-Mommy for sharing about a program called You Data. She mentioned that she only clicked thru a few ads last week, mere minutes, and earned over $6! Wow! Good return on the bit of time spent!

But, here is the gist of the program. Instead of bloggers like me getting paid to have the ads on my site, YOU are getting paid to view the ads. Why not? You are the end customer, potentially.

What are the benefits?

Based on the profile you set up, you can view ads that are targeted to your interests. Yeah! You then get to view those ads and read them, etc, and get paid. The amount you will get paid is there for you to see before you view the ads. Very nice!

Finally, if you are a blogger, they have a referral program. Love that!

And, you get paid WEEKLY to your paypal account. Now, that is exceptional. As we know, most companies pay monthly or sometimes even quarterly. So, weekly is really great!

Want to sign up and begin earning a bit? Sign up via the ad below. Also, this will be posted on my Affiliate webpage for others to utilize and in my side bar on this main page.

So, what is your homework?

If you are a blogger, click here to go to my affiliate page and begin signing up for these programs and applying for advertisers you are interested in.

Not a blogger, but want to start? Get busy tonight. What are 3 easy steps to get going? Come up with your topic and title, go to blogger.com and begin the free, easy process of setting a blog up and then write your first post! You will want to write at LEAST 3 times a week to grow, but preferably at least once a day or every other day.

Once you are over this initial hurdle, you can begin promoting your blog and creating backgrounds, designs, etc to suit your style.

Not a Blogger and don't plan to be? Just want to make a bit extra off of advertisers? Sign up above for You Data. Now, start earning a bit each week for viewing ads. Very easy money!

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Method Madness Marathon!! Walgreens plus some weekly deals!

I have always categorized Walgreens as its own method, when in fact, it really should be under grocery shopping.

And, going forward, I will be tallying it under Grocery Savings, etc. You will be able to find all details regarding Walgreens Shopping on my Grocery button in the left menu button.

But for today, and for all my new readers that aren't familiar with the program, I wanted to touch briefly on it today.

First, just like I do with my Kroger or Meijer shopping, I personally use the Grocery Game ( please use referral moneysavingmethods@yahoo.com ) to provide me a list each week of all the sale and coupon match ups. BUT, Andrea at Mommy Snacks also has a Walgreens feature, as well. So, if you are just starting with the whole couponing and feel a bit overwhelmed, use either of these two resources to assist you.

Why is Walgreens worthy of it's own Method post?

Because, you will get unbelievable amounts of products free or almost, week after week....month after month.

The reason is they have a Walgreen Easy Rebate Catalog that comes out each month. In that catalog will be items that Walgreens will provide a rebate on. You can click here to view January's Catalog or pick one up at the front of any store.

As you will notice, the first benefit is that if you have your rebate provided to you in the form of a Walgreens Gift Card, they will give you an extra 10%!! That means you are making a bit more money on the rebate.

Also, each month, they have Free After Rebate Items. This month they have Orajel and Revlon, for example. This simply means that if you buy these products, you will get the full price back to you PLUS 10% next month on a Gift Card. OK...so now you made money! Yeah!

But, how can you make even more? If you have coupons, you then make an even heftier profit. If I have a $2.00 off Revlon coupon and a $1.00 Coupon for Orajel, I will now make a profit of $3.00 plus 10%. Why? Because Walgreens gives the purchase price back before coupons.

In addition, they have items with a rebate but it won't be necessarily categorized as free. But, many times, if you use your coupon, it then brings the item to free after rebate ( plus profit of 10% )

It all sounds so confusing, but it is not, once you get the hang of it. I buy all my health and beauty products from Drugstores now for free or pretty close to it. I can't remember the last time I paid for toothpaste, shampoo/conditioner, soap, etc.

The first month you do this, you will of course pay out of pocket. You will then be refunded via Gift Card. But, going forward, you should spend very little out of pocket if you roll everything over.

For example, when you go to shop in February next month, you will use the gift card you got from your January purchases to pay for February's order. Thus, you don't spend anything or very little out of pocket. But, you used that gift card. Now, in March, your gift card will be reloaded with the rebates from the February order, and you will use this new money to pay for March. So on and so forth.

Finally, Walgreens has Register Rewards. You will see these advertised or on your grocery lists from the Grocery Game or Mommy Snacks, when available. How they work is simple. You buy a set amount of a product, and they will then give you a Register Reward for $5, as an example. This $5 is printed as a Walgreens coupon and can be used on your next shopping trip ( or split your cart up and use it to pay for part of your products )

By combining all of these simple tricks at Walgreens, you can get a lot of your necessity items for barely anything. This can be a huge cost savings to your family.

So, to kick off this method, here are some new coupons that just came to me tonight and will get you some free items.

Click here to print coupons for Buy 1 Get 1 Free coupons on select Walgreens items.

You will notice the Allergy medicine is also part of the rebates this month. If you buy 5 products you get $10 back. There is a large array of Walgreens products, so check the Easy Saver Catalog for a full list. So, now you can buy items at Buy 1 Get 1 and qualify for this rebate.

I did mine online, just because they also have this via an online coupon code and we are all snowed in here. School is cancelled again tomorrow. And, with the online code, Wal-Tussin is available, too. With being winter, I can always use cough medicine. If I have too much, I share with friends or donate.

I also bought two of the Free After Rebate items. I got Revlon Blush and Orajel.

So, my cart worked out like this:

• 5 - Wal-Tussin - Buy 1 Get 1 at $3.99 = $9.98 ( they gave a discount on the 5th )
• 1 - Revlon Blush - $9.99
• 1 - Orajel Cold Sore - $8.49

Total = $29.46

Entered code: WEEKLYAD

This takes the shipping off of orders $25 and above.

BUT, the kicker was when I checked out. They also took another $5 off. The only reason I could come up with was that I had previously entered code HEALTH last week, thanks to a tip from Choyster Cash. This code is for $5 off a $20 order.

Walgreens site does say only one coupon code per order. So, again, not sure why the $5 came off, maybe that code was saved? Or, maybe it is simply part of the WEEKLYAD code, and I was not aware of it. Either way, you can decide which coupon code you would rather use, and will work for your online order.

Either way, my final tally was $25.99. BUT, I will be getting $29.46 plus 10% back. So, I just got all those products free plus made $6.42!!

I hope this gives you a bit of insight to how the program works.

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Methods Madness Marathon!! Free Donations!!

OK...we are down to the wire! Is everyone ready to sprint as we try to finish this Marathon? I am going to try and get us thru the rest of the methods this week, but if not...I will extend it into February.

There are just too many ways to save and make money, I guess!

Today I wanted to focus on what I call Free Donations! I categorize this as a savings for my family.

Why? I like to give 10% or my earnings to church, charities, etc. So, if I find free ways to donate to organizations, churches, schools, I take full advantage of the programs. Although I technically am not the one funding the money for the organizations, the time I spent to take part caused the organization to get their money. Am I being thrify? Of course, that is just me. I want to give what my family has budgeted for donations, but if I can shave a few dollars off here and there by participating in these programs, I will.

First, let me introduce you to a new offer I just found. It is called the Pound for Pound Challenge. And, it is being sponsored by The Biggest Loser and General Mills. You can click here for details. They are donating the money to Feeding America.

But, the overview of the program is this.....

Select General Mills products will have 10 cent labels on packages ( I found mine on my Green Giant Bagged Vegetables ). These are different than the Box Top Labels. You need to cut those labels out and mail them in by December 31, 2009. For every seal they receive, they will donate that 10 cents up to $275,000.

Let's help them reach that number.

Or, you can participate by doing the weight loss challenge. For every pound you lose, they will donate 10 cents to the charity.

And, what are many other programs I like?

I know almost all of you have heard of the Box Tops for Education program. But, do you use it? If you are a mother or father of a school age child, I am sure you probably do. Your education department probably collects them. But, what about those of you who have young children? What about those of you don't have children or are retired? Do you collect and contribute? You should.

First, it is free. I do not suggest you buy particular items simply to get the box tops. But, if you are unloading your groceries and notice a box top, cut it off immediately ( if possible ) and store in a ziplock bag in a safe spot. No matter where you live, if in the USA, you are paying taxes for your school system.

And, the value of your school system ultimately affects the value of your home. So, you should want your schools to flourish. Once a month, when passing by one of your local schools, drop it off. Or, mail it in or to a neighbor's child to take into school. They are valued at 10 cents each.
In a given month, I usually average $1.00 to $4.00.

Want to earn some extra 5 Box Tops for your school right now AND get a fruit roll up sample? Click here and register for the Box Tops Newsletter ( send to your deals email account ).

Another great program is the Campbell's Labels for Education ( 1 to 5 points per label that the school redeems for equipment )

Plus, right now at some grocery stores, you can sign up for eLabels for Education. You originally sign up and link your shopping card number and they will credit your school automatically.

What about your local grocery store?

Our Bigg's collects receipts and gives the school or other charity back a percentage of all receipts collected. Our Kroger's gives the charity of your choice 4% of your purchases! 4%!!! That could be huge, if everyone chose to do this.

All I have to do is load money onto my charity card ( I usually estimate and have them swipe my charity card first ) then pay for that. Then, in a seperate transaction, they ring my groceries and I pay for it with the card I just loaded. If my grocery bill is a little over, I pay the overage. If it is under, I save the extra on my charity card to pay for next weeks groceries. Currently, I have a Kroger card for my son's school.

Do you have a Target card? If so, make sure to link it to a local school today!! They also give a percentage of your purchase to education.

School Spirit Sunbeam Bread Products is another program.

And, finally, if you drink pop from a can, save that pop top. Collect them and then call the Ronald McDonald house and support the home away from home program for seriously ill children.

If you don't see the phone number on the link I listed, just click the Back a Page Button at the top of that site. They collect and recycle these. Last year they raised $30,000 from recycling pop tops...wouldn't it be nice if we could help them raise even more???

If you live in the Cincinnati area, then Cincinnati Bell has a great feature where they donate to the school, $10 for every new registant. Click here to learn more. Thanks goes to Becky V. for reminding me about CB Learn!

What is your homework tonight?

Register for all these companies to begin saving for donations. In addition, you want to be organized. Pull out ziplock bags for all those Box Tops, Seals or Labels you will be cutting out soon.

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Methods Madness Marathon!! Receipts!!

Your homework today is going to be quite easy!

Here is what you need to do:

• Go get 12 business size envelopes.
  
• Write a different month of the year on each.
  
• Take them out to the glove box of your car
  
• Leave the January envelope in your center console

OK..DONE!

I know, you are wondering why I am telling you to do this, so let me explain.

Keeping your receipts organized and checking them after every sale will save you quite a bit of money each year. Last year, I received $100 back thanks to having my receipts, AND I was able to get $1,000 refunded for a product that was a year old and there was a recall. Since, I had my receipt organized, I was able to go pull it immediately and the store gave me a full refund ( I did NOT want another of the product ).

Yesterday, I received $5 back. Before the Holidays, we decided it was time to move my 4 year old to a new booster seat. The one she was in was 5 years old and had reached it's expiration date. So, we shopped around until we found one we liked.

We got a good price on it, but when it comes to some products, you don't always buy the "cheapest" product. You look at other features, safety ratings, etc.

Well, I was shopping the same store yesterday and noticed her booster seat went on sale for $5 cheaper. Now, stores will do price adjustments at times, but it usually needs to be with a week or two after you buy the product. But, they will usually return products and give you a refund for approx. 3 months after you buy a product.

Since I was not able to get a price adjustment, I rebought the product at the new lower price. Then, since I always have my receipts categorized by month and in my car, I was able to pull the original receipt. I then immediately wheeled over to customer service and returned it with my old receipt. Thus, I got $5 back!

I will say, I do only keep 3 months of receipts in my automobile. After that, I move the 4th month into my file cabinet in the house. It just gets to be too much otherwise. But, I always keep 3 months, because I know I can return at most stores for that long.

Why else do I like my receipts organized? You never know when you will stumble upon a rebate for a product you bought and was within the date range. You can, again, quickly pull your receipts and mail in your rebate and get money back.

Finally, as I leave the store and head to my car, I ALWAYS read over my receipt before I get to the car and put it in the month's envelope. From restaurants to stores, I scan them all. It is amazing how many times products ring up wrong, are scanned twice or an item was missed.

In fact, I have an XBOX 360 game in my console now that I need to take back to Target and pay for...yes, it got missed and didn't get rang up. I had searched the receipt looking at prices to make sure they were right, not if something was missing. So, mistakes happen both ways.

As I mentioned yesterday, Kroger has a scan right guarantee and I utilize this quite frenquently. So many times, items ring up wrong. And, when that happens, I get it free. But, even if you aren't getting your item free, you still want the overcharge refunded. That is your money!

I know this is a super easy and straightforward method, but I honestly think people forget that just a small bit of organization can ultimately affect your finances. So, get those envelopes put together and out in your car!

Method Madness Marathon!! Insurance!

Well, it only seemed appropriate that the Method we focus on today is getting our insurance lowered, since I just spoke about it in my last post.

What I think tends to happen with insurance is that everyone picks their company, begins paying their bills and just stick with the same company year after year after year.

ut, the problem is that companies are constantly competing for our business and it is possible to get better rates many years and many don't take advantage of this.

The first time I switched my auto insurance from State Farm to 21st Century, I saved my family hundreds of dollars. In fact, my new rate was what I used to pay for 1 car! Amazing!

Remember a few months ago when I called around for new home insurance quotes? Click here to read. I saved my family $303 for the year and got more coverage than I had before!

Today, when I ran my numbers for that $2 bonus thru Upromise ( read the post below ), I found out I can save myself another $200 every 6 months on Car Insurance. So, I think I am going to switch again tomorrow. I am going to call to verify everything tomorrow. But, I am basically going to be down to $200 some odd dollars for a Ford Taurus and a Honda Odyssey. A couple years ago, I was paying over $600!

What was I thinking?

So, what is your homework? Get different home and auto quotes and compare then switch ( if lower ). This takes a bit of time, BUT it has the potential to save your immensely in 2009!

Here are a few tips:

• Pull your current policies and have them in front of you when you request quote.


• Get your Auto and Home Quote separate ( a quote for each ). Then, ask them to also give you a third number if they combine. You want all quotes as you may find that it is cheapest to have auto with one company and home with another.


• Get your quote with the Highest Deductible possible ( if you can afford it ). Especially for home, you want the highest deductible you can afford. Mine is set at $2,500. For auto, I usually advise $1,000, if you have that much in your emergency fund already. If you don't have enough, make this a goal for the year...save enough so you can change your deductible next year!


• Switch to your new provider and save!

I want to go back, quickly, to why I advise you have the highest deductible possible. First, obviously, it lowers your rate. Over the years, you will save immensely by having a higher deductible. Even if you pay the higher deductible if you ever get in an accident, you probably more than saved that amount already over the years. Over your lifetime, you will saved alot of money ( assuming you don't get in an accident tomorrow, that is ).

But, this is the reason for emergency funds. Keep enough money for your deductible in a High Interest Savings instead of paying it to the Insurance companies and earn money on your deductible year after year! Now, you are making money, too.

Also, with Home Insurance, it is can often be quite irresponsible to have a low deductible. Why? Insurance companies will drop you ( yes, drop you ) if you file a certain number of claims. It usually ranges from 2 to 3. Seriously, call your provider today and ask them how many claims you have to file before they drop you? And, remember, this is over your LIFETIME.

And, if you get dropped, it is HARD to get picked up by someone else. And, if you do find someone to insure you, it then costs alot of money!

What this means, you ONLY want to file a claim on your home for a major issue. If shingles on our roof blow off in a windstorm and it is going to cost $3,000 to fix it ( even if my deductible is $2,500...the max I could go ), I am going to pay the whole $3,000 out of pocket so I don't have to file a claim. I would rather not waste one of my claims. What happens if a tornado comes thru 15 years from now and damages my home? I need to file a 2nd claim and then I get dropped. Now, it is impossible for me to get insurance or affordable insurance.

It is a shame it is that way, but I do not want to use a claim when we are only 10 years into our marriage. We have our whole lives ahead of us, and hopefully nothing catastrophic ever happens...but I am saving my claims for the unthinkable.

My parents were a prime example. They were with State Farm for 30 plus years and got dropped after filing a claim during a windstorm. It was very stressful and unbelievable frankly!

Anyway, back to the topic of savings!

Here are some companies you can get quotes from online. I would recommend sitting down and giving yourself about an hour and going thru them to compare. Before you do, make sure to use your deals email account or set up a new email, just in case they sell your info. I am not sure they do, but better to be safe.

• 21st Century/AIG ( this is who my auto and home is with now and saved me tons last year )


• Net Quote - Will compare multiple Home Insurance Providers in your local area


• Kanetix - Multiple Car Insurance comparisons


• Insure Me - Compare Home, Auto, Health, Life, Long Term Care

So, tell me. Leave a comment. How much did you save today by calling around on your insurance! I hope it is hundreds, too!! And, if it is, make sure to use that extra money to reach one of your saving goals!

Free Photo Fun & Method Madness Marathon!

Welcome to my weekly Free Photo Fun post! And, I am combining this as my Method Madness Marathon post for the day. Sorry to be boring, but I need to get to it sometime, AND I was doing this post anyway. :-) Why not double them up!

I actually calculate my Free Photos as a money saver, BECAUSE this is an expense I would be paying anyway. As much as I would love to say cut out taking pictures or having them developed/printed if you are on a tight budget, I just simply can't! Photos are something I highly value and think are a must.

Our children will grow up before our eyes. In fact, two days ago, I left the bus stop after my 6 year old got on ( he is in 1st grade ) and my chest tightened. Now, I have been taking him to the bus for a year and a half now. And, everyday it is a routine. But, every so often, I find myself feeling a bit, almost like claustrophobic ( hard to describe ) and seriously, pressure on my heart ( heartache, I guess ) at the thought that my first born is flying away from me already.

Each of my children has a special place in my heart, there is no doubt. But none of them will ever share what he did with us. He was our first. He had our full, undivided attention and love for almost 2 years of his life. He is and was my pride and joy, my first venture into motherhood! He will always hold something special and dear that is a bit different than the others. ( as they each have their special place, of course )

So, those are the times I come in from the bus and actually want to weep that he is not toddling around my family room like the baby. Where did the time go? Why is he in 1st grade? How did that happen?

So, I bet you understand a bit why I view photos as such an important aspect of being a mother. To have those memories in visual form are so dear and special to any family ( and to that child someday ), that it is an expense that my family, at least, will pay!

BUT, that does not mean you need to pay an arm and a leg either. There are CONSTANTLY deals on photos. Constantly!

The first place to start is to register with the different companies. Click here for a full list. Most of them will give you free photos when you register. Right off the bat, you are getting very cheap pictures ( most of the time, you still need to pay shipping, so I count that as price of the photos ).

But, once you are registered ( set up an email or use your "deals" email ), you will begin to get coupon codes and they will run specials. If you keep your eyes peeled, you will find offers quite often. My goal is to try and pay 6 cents or less per photo. I will go up to 10 cents, if I am desperate to get some printed.

In addition, if anyone is running good specials on Photo Books, etc, I will take advantage of those deals as well.

As always, you can click on the Free Photos in my left menu bar to take advantage of any current promotions. This is a great way to get photos printed for cheap or free! And, we all know we have pictures piling up on our cameras, right?

This week I have a couple different companies to highlight. So, let's begin.

First, Kodak Gallery has extended their 75 Free Prints for new members. They normally only give 20 free prints away, so this is quite the deal. I highly advise jumping on this deal while it is still active! And, remember, you can have photos shipped to your local store to save on shipping. Click here.

Second, Shutterfly is giving a free Photo calendar ( $19.99 value ) away to everyone! No special email this time. This is a promotion thru Target ( it was in the Sunday paper, in case you missed it ). Simply log into your account and enter promo code by January 18th: FREECALENDAR Click here to login or register with Shutterfly. Bonus, if you are a new member, you also get 25 free prints.

Third, new and current Shutterfly members get another 30 prints free for taking part in their free Share site. It is simply to participate. And, if you actually load free photos to your share site, you will get another 10 free prints each week. Click here to login or register. This runs thru February 2nd, so you will probably get reminders on this deal each week in my weekly Free Photo Fun post.

Finally, big thanks to Mommy Snacks for sharing here. Right now, thru January 20th you can get a free photo book ( $34+) for free from Hooray. You will pay s&h of approx. $7.99. Still, that is quite a good deal. Click here to register and use code bzzalbum at checkout.

And, I think those are all the highlights for this week! And, stay tuned for my wonderful bloggy giveaway regarding Digital Photography!

Method Madness Marathon!! High Interest Checking!!

Let me ask you a very simple question, ok?

Does your family have a checking account?

I am going to assume the majority of you answered yes.

So, here is one other question for you. How much money did you earn on your checking last year?

If the answer was nothing, then today's homework is to set up your new High Interest Checking Account. Last year, I made $760. Today, I got my statement and they deposited $70.01 in my account for one month. There is absolutely no reason you should not be making money on something you currently own and use daily, your checking.

So, let me first give you a bit of background information on High Interest Checking.

They are almost always electronic checking accounts. This means simply that you do not have a brick and mortar bank to visit whenever you want. But, there are ways to work around this, as I do, which I will discuss below.

You can use them just like a normal checking. I have checks, of course, that I use to write out whenever I need. I also have my husbands direct deposit set up here. Our bills are set to pay from this account automatically. Everything runs just like our old checking did.

The percentage you get paid can vary depending on your balance. This simply means the more you have in your account, the higher percentage you will earn.

Debit or ATM Cards can be used at any ATM. This is one of the more common questions I get. How do you get your money out? Well, with the account I have, it is even better than when I used to bank with Fifth Third. With them, I had to only use their ATMS or I got charged fees. But, with my High Interest Checking account, they charge no fees, AND they reimburse me the fees I get charged from the other bank when I use their ATM. So, basically, it is free anywhere.

Finally, you earn FREE money! And, for something you use anyway!

I do have a few suggestions of how to manage your account. My main problem was that I was not going to have a Brick and Mortar bank to drive up, deposit my checks, etc. The thought of manually mailing my checks into my High Interest Account was not appealing to me.

So, I kept my account open with a $0 balance ( check your local bank to make sure what the minimum amount you need to leave in to keep the account open ). Then, when I need to deposit checks, I simply do it like I always do at the bank.

How do I get the money to my High Interest account? I log into my old bank and simply do an electronic transfer for free. They send the money electronically to my High Interest Account. Now, I have a paper trail from my deposit and an electronic confirmation on the transfer. I feel much better about that then mailing it.

The only other issue for many is the actual process of transferring everything. Ugh! Doesn't sound fun, does it? But, believe me, it is well worth it.

The time invested was just a little over an hour for me. It didn't take long to set my account up. Once I got my account numbers, I pulled my last 2 checking account statements from my old account. That way, I could see ALL direct deposits, electronic payments, etc, that goes in and out of my account. I spent about 1 hour going to all the accounts and changing the old account number to the new number. Then, done! Well worth the money I made last year!

What accounts have great rates right now?

Bank of Internet - 3% - Click here to register

• ATM reimbursement (up to $8 per mo.)
• Free online bill pay
• Online images of statements & paid checks - accessible the day they are paid (5yr archive)
• Unlimited check writing
• Free initial checks
• Visa Check Card
• Overdraft protection available
• No minimum balance required
• $500 min. initial deposit required
• $5000 average daily balance in account to avoid fee of $7.50
• FDIC insured up to $250,000 per depositor

E*Trade Max Rate Checking - 1.5% - Click here to register

• Free ATM Anywhere ( unlimited fee reimbursements )
• Free One Click transfers to any institution
• Unlimited Check writing
• Online check and deposit images
• Free Online Bill pay and Advanced Reporting
• Balances under $5,000 get .05%
• Must have a balance above $5,000 to avoid monthly fee ( this fee is waived IF the account has direct deposit of $200 or more per month )
• FDIC insured
  

ING Direct - .5% to 2.8% - Click here to register

• Free Debit Card
• Free Online Bill Pay
• Free ATM at Allpoint ATMs
• $0-$49,999 is .05%
• $50,000 - $99,999 is 2.6%
• $100,000 and above is 2.8%
  

Salem Five - 2.25% - Click here to register

• No min. balance
• Free ATM fees up to $15 per mo.
• Free Online Bill Pay
• Free Check writing

There are many more out there, too, but I thought these were good starting points for everyone!

So, make sure to spend time today doing your Methods Homework. Open a High Interest Checking! It is so easy to put it off, but today is your day to make this happen!

Welcome to the world of High Interest Checking!

Method Madness Marathon!! Bank Offers!!

I figured since I just posted the $100 TD Ameritrade bonus below, and I have a few more to post about this week, it was a great time to focus on making money with Bank Offers.

Many of you may have heard me talk about these quite often, as it is one of my most common posts. Whenever I find a good deal, I try to get it on my blog for everyone. And, I had already created a specific webpage for Bank Offers a while back. Click here to access or use the Bank Offers button in the left menu bar at any time.

But, I wanted to touch on it again on my main page as it truly is a great method and money maker.

First, I hear from a lot of readers who are nervous about doing Bank Offers and that they will affect their credit score. This is NOT TRUE in most cases. This is ONLY true if the bank does a hard pull on your credit. Most banks do soft pulls, which have no bearing on your score.

How do you find out if a bank is doing a hard or soft pull? Call them before you complete the online sign up process. It takes a few moments to talk to a customer service representative and find out.

Second, readers are worried about managing many different Bank accounts. I have found a new and FREE program from Quicken that will link all your accounts together, so you can see an overview of all accounts you currently have open and funded.

Click here to sign up. In fact, this is a good program to have even if you are not involved in Bank Offers just to help manage your own accounts.

Third, if the offer requires direct deposits, how can you do this without messing up your regular checking? This will depend on the company you work for, of course. And, it will depend on the Bank you are signing up with, too.

For example, my husband's company can set his direct deposit up online. And, he has the option to send direct deposits to 4 different locations. Check with your employer, you may be surprised to find that you are able to send your direct deposits to multiple accounts.

We have his account set up to send a set amount to the kids College 529s, another portion to our accounts for retirement and the rest to hit our checking ( where we pay our bills, etc ). That leaves one extra direct deposit for me to use for Bank Offers.

If a Bank requires that I send a direct deposit of $250 to get my bonus, then I use that one extra spot to send the money. Once it hits, I am able to go into my new Bank Account and do a transfer back to my checking ( where I pay my bills ) electronically. So, the money will still hit the same spot...only a few days later.

It sounds like a lot of work, but all in all, it is a few clicks of the mouse for a profit of hundreds of dollars! $848 last year!

Another option for some banks are paypal transfers or transfers of money from other banks. You will need to check on the specific offer you are interested in and always call the bank, but some do accept either of those as direct deposit qualifiers.

Fourth, can I do them more than once? Most banks do not let you get the bonus again and again. But, you can usually get it once per person. Again, read the terms or call the bank. But, most times it is per person, and not household.

This means, when you open your account, do not put your spouse as a joint owner. This way, if the bonus comes around again, you can open one in his name, too.

Fifth, do I keep my accounts open? This depends. I try to evaluate the benefits of each bank I open and whether I can use the account. Obviously, my College 529 account I have open and will for a time. And, the bonus I got for my high interest checking account was just icing on the cake.

Many of them I am able to utilize for Online Offers and Surveys, etc. Since I don't want alot of my online ventures linked up to overall checking for safety purposes, I can use these accounts to keep smaller balances in without as much worry.

Other accounts you may open are investment accounts. Meaning, you may actually be a stockowner when you are done. Yeah! Don't close those. You may find that next time you want to buy a stock or your very first stock, their fees are lower. You want to have access to that.

Overall, Bank Offers not only offer you wonderful incentives, but also access to some great accounts you can actually utilize in the future.

See you tomorrow as I focus on a new Method for our Marathon!

Method Madness Marathon!! Sale Shopping!!

I thought I would do an easy Method Madness post for Saturday...some easy homework for you over the weekend, right? We don't want anything complicated!

I must say, one of the other largest money savers for my family is Sale Shopping!

Hmmm, you may ask. Even though you are getting items on sale, aren't you STILL spending money?

It is true, there are Sale Shoppers who buy ANY and ALL great deals they can find!! I can think of one of those people right off the top of my head...Hi Mom!! OK, I am just teasing my lovely mother. She is an avid sale shopper and has taught me everything I know. But, she and I do have a slightly different methodology about how we go about utilizing sales.

And, I wanted to explain how I utilize sales to my advantage as a family. BECAUSE, it is very easy to overspend when you find sales or to miss them altogether.

My first rule of thumb is that I make a list for the whole year of everyone that will need a gift. I list my family, nieces, nephews, cousins, the friends of my children, football coaches, Sunday school teachers...you name them, they are on my list. By making this list, it will keep you from buying items you don't need and thus overspending.

I then, categorize what I need to buy for them. Do I need something for Birthday, Christmas, Anniversary, etc, etc. Do I have Weddings coming up?

Finally, I put the budgeted amount next to their name of what we would ideally spend on them.

So, for example, I would list a friend of my child's that I know we usually go to their Birthday parties. We try to get between $20-$30 gifts for kids. Great!

Now, I got my list! I print this out and into my purse it goes. I carry it everywhere, at all times throughout the year! I am prepared to sale shop now! Yeah, let the fun begin!

My second rule of thumb, is that I try to only buy 75% off or more! This now means, I am getting the birthday presents for the many, many, many kids parties we are going to for $5 to $7, approx. What a difference this makes multiplied by all the many people you shop for during the year. And, all of these people are getting wonderful gifts vs. going out and buying an actual $5 toy.

For example, over the Holidays, my daughter had a birthday party to go to for another 4 year old little girl. The Barbie Diamond dolls were running around $20 over the Holidays. Well, my mom happened to call from Target the one day to tell me they had them marked down to $5. I told her to GRAB them!! I was able to give this little girl a $20, fancy-pancy Barbie doll for $5. That is cheaper than the simple Barbie dolls at the store sell for every day!

For my 1 year old, I had bought a Thomas the Train Take Along Track with trains on 75% off clearance after Christmas a previous year. It was just under $50 for this item regularly, and I got it for $12. We added a few trains for him ourselves, and his Christmas was essentially done with us spending hardly anything.

My third rule? Shop your favorite store weekly. It sounds like a pain, but believe me, it is fast. Well, unless you hit the mother of all sales. Then, well, it is worth the time spent in the store.

I have my favorite store, which is Target. Because I shop it weekly, I know where they put their clearance items and I can watch as items are getting marked down. One week they are 30%, a few weeks later, they are 50% off, etc, etc. I can be in and out of the store in 10 minutes, because I stick my kids in the cart and walk to all the clearance section. If there is nothing, I am done for the day and leave.

Take a look at my numbers from last year. I saved $2,917 on sales. This means, I paid approx $950 for just shy of $4,000 worth of merchandise!!! That is a HUGE savings to me and my family.

Of course, I budgeted almost $3,500 in gifts for people, but I did start stockpiling for 2009 last year. So, I currently have gifts in the basement for upcoming parties, etc.

Doesn't that number seem amazing? Sit down and write everyone you buy gifts for, the value you spend and then deduct 75% off. How much would you save?

It is so easy to sale shop if you have your list handy and know what you need.

Before I go, though, I did want to touch on some other helpful hints.

First, pull batteries out of any toys that have them in there. If you aren't going to give it as a gift for a year, you do NOT want the batteries to corrode.

Second, if an item does not work or is broken when you do give the gift, you cannot return it. Most stores have a 3 month policy or less. If they still have the product in stock, you could re buy it and return the older one with the new receipt. But, many times, an item you bought on clearance has changed...the box was redesigned, etc. In those cases, contact the manufacturer. I called Fisher Price when one of the toys I got wasn't working. It was a $30 item...and it just didn't work. They sent me a new item free and just told me to throw the old one away, since I had only paid $7 for it. They only made you return items if you paid over $15 for them. That was my son's TMX Elmo! Cheap birthday!

For those interested, here is my spreadsheet that I use to track my sale shopping. If you get a chance this weekend, your homework is to update this spreadsheet with your list, print it and stick it in your purse! Now, you are ready to hit the stores! And, don't forget.....this is a great time. Everyone is marking down their after Christmas items for sales...toys and clothes included!

Methods Madness Marathon!! Surveys!!

As you can tell from yesterday and today...there is no rhyme or rhythm to what Method I will type about next. :-) As always, I am just taking the days as they come, and today I happened to take a survey. So, hmmmm....decided to focus on that today.

Before we start, if you have missed the start of this series ( running all thru January in order to get us all on track for earning and saving the most in 2009 ), click here to access them all. I will also be posting the banner above in the right sidebar. Simply click on it at anytime to take you to all the posts, so you can catch up and start from the beginning.

And, now time for a little progress report. Yesterday, we focused on lowering our bills in regards to TV/Cable/Satellite. How much did we impact our budget in one day?

• Carrie ( that's moi ) - $200
• Trisha - $252
• Jenny - $36
• Lori - $228
• Sherri - $603
• Cathy - $252
• Kelly - $120
• Abby- $150

And, those are just those of you who left comments. So, all together, we saved a whopping $1,841 between all of us! Isn't that amazing? Click here to read the details, and keep the comments coming. If you saved by calling, too, let me know! I am having so much fun tracking this Marathon!

So, back to today and Surveys. If you have read my webpage on them, you know it is one of the money makers I love. They are easy, can be done from home and at your own convenience....and, well, you can make money! What more needs to be said, right?

Click here to access my Surveys webpage or click on the Surveys button in the left menu bar at anytime.

So, what is the Marathon "to do" list for today?

Well, if you are like me, and already signed up with the companies, it is time to set a schedule/time to log into your "surveys" email account ( that is right....set up a surveys only email address...mine is surveysforcarrie@ ).

Also, I decided to set a goal for myself this year, on how much I wanted to make on Surveys. Last year was a slow year for me. I only took home $130. Not bad, but frankly, not a good year for me in regards to previous years.

I spent so much time getting this blog up and running, that Surveys fell by the wayside. But, I want to change that. So, my goal for the year is going to be $350. That is roughly $29 a month. Surely, I can do that! I am hoping this will keep me motivated to check my account and take the surveys. I have also decided to keep my scheduled "survey" day, which is the day of the week I pick to log into my survey site and take survey after survey after survey. BUT I will also log in quickly each day to see if there are any surveys I need to jump on quickly, I didn't do that last year...and I missed out on alot of opportunities. Many expire within a day or two, and I don't want to miss a good one.

Also, when signing up for all of the companies, don't forget that many of them have referral programs. You can make between 10 cents to $1.50 or so per friend you refer. This is easy money. You can send a mass email out to all your friends telling them about the program with your link included....or, if that is not your speed...consider making a signature for your email account.

Most email programs ( for example Yahoo! mail ) has this option free. You simply go to the Create a Signature section, and a box will appear where you can put a banner advertisement or type your own message with the link. This way, it shows up EVERY time you type an email...right under your name....and after seeing it over and over...your friends may actually sign up. ( the power of suggestion...right? ) You never have to mention it personally...but the information will still be there for them.

Here are my top pick for Survey Companies! And, don't forget to sign up for Roboform first...before applying. You click one button and it will then auto fill almost all of your application information.

• Global Test Market
• My Survey
• Lightspeed Panel
• Harris Poll
• Epoll Survey
• Testspin
• Your 2 Cents
• Survey Spot
• I Think Inc
• American Consumer Panel
• The African American Voice
• Opinion Outpost
• Survey Savvy
• Valued Opinions
• Greenfield Online
• Zoompanel
• I-Say
• E-Rewards ( use code 5Tylenol for a $5 bonus w/Upromise. Once you have your account, signup for E-Rewards, who partners with them for surveys )
• Data Intelligence

As I find new companies throughout the year, I will update you and also update my surveys webpage.

Finally, here is my VERY simple spreadsheet for tracking surveys. I have a different worksheet for each company. I didn't add them all, only two, but you get the jist of it. Click here. As the revenue comes in, I log it in my budget against Extra Income.

So, here is your Methods Madness Marathon homework for this post:

• Set up your Survey email account ( free thru Yahoo, Hotmail or whoever you like )
• Set up your free Roboform account
• Apply for all the survey sites you are interested in above
• Set your scheduled day to take surveys, or log in daily to do surveys
• Begin to Make Money!!!!

Do you love surveys? Did your sign up process go OK today? Leave a comment and let me know if this Method helps your family out financially, too.