Here are some awesome and surprisingly simply DIY room decor ideas to spice up any room!
Here are some awesome and surprisingly simply DIY room decor ideas to spice up any room!
Here are some quick, simple and energy filled snacks that are both nutritious and delicious!
Do you make any special treats for the holidays? We’ve started making fudge along with peanut brittle, candied nuts and a few other special recipes. Here are some of my tried-and-true favorites:
1. Christmas Candy Crunch from Hoosier Homemade
2. Chocolate Covered Cherries from Cincy Shopper
3. Grandma’s Candy Popcorn from The Recipe Rebel
4. Peanut Butter Almond Roca from Crazy for Crust
5. Homemade Turtles from Averie Cooks
6. Salted Caramel Pretzel Pecan Bon Bons from Baker by Nature
7. Biscoff Bark from In Katrina’s Kitchen
8. Coffee Chip Oreo Truffle Bark from Inside BruCrew Life
9. Biscoff Fudge from Julie’s Eats & Treats
10. Oreo Peppermint Bark from Crazy for Crust
11. Gumdrop Fudge from Shugary Sweets
12. Butterscotch Marshmallow Bites from Lemons for Lulu
13. Peppermint Patties from The Gunny Sack
14. Caramel Cashew Clusters from Crème de La Crumb
15. Chocolate Candy Cups from Sweet as Honey
16. Peanut Brittle from Fake Ginger
17. The Best Toffee from The Yummy Life
18. Butterscotch Candy from Taste of Home
19. Homemade Almond Joy from Cooking with K
20. Homemade Creamy Peppermints from Saving Dollars and Sense
21. Microwave Caramels from Simple As That
22. Cinnamon Sugared Walnuts from Eat Good 4 Life
23. Southern Pecan Pralines from Foodie Misadventures
24. Salted Whiskey Caramels from So How’s It Taste
25. Divinity from Bell’alimento
Here are some of our favorite recipes for valentines day. Whether you are making them for a special someone, or want something sweet all to yourself, these recipes are sure to make valentines day super sweet
With all of the buzz about refinancing your home, when should you consider refinancing your mortgage?
When is the right time to refinance your mortgage? Historical interest rates and should you take advantage of them now or are there hazards or pitfalls to be aware of?
For those of you that may not be aware, the general rule of thumb when it comes to refinancing is if you can reduce your mortgage interest rate by at least one full percentage rate or more. Once again, I say this is a rough rule because for some borrowers, a reduction of only one half a percentage rate may yield a significant savings if they are carrying a large loan balance.
With a few of these things to consider let’s cover a few key points when considering whether to refinance your mortgage.
How Much could you save?
In order for it to be worth the trouble, hassle and expense it should save you more than the cost of refinancing; or is it? It’s true that for the most part we have all learned that another rule of thumb is to consider the closing costs when trying to make your decision.
A rough guide when considering how much of an expense the up-front or closing fees will be is 2-3 percent of your loan balance. However, these days lenders are making it very competitive while slugging it out for a market share so it pays to shop around to get the best deal.
Mortgage calculators are all over the Internet for your free use. Plug the numbers in and figure out how much money you will save on your new mortgage versus your old mortgage. Then you’ll want to figure out how many months it will take your savings to exceed what you’ll incur for your closing costs. That will be your break-even. Here is a another rough rule: Say it takes 45 months to reach that break-even number, then it may not be worth it to refinance your current mortgage unless you plan to live in that house for a long time.
Shorten your Mortgage or maybe lengthen it?
One if the most neglected aspect of your mortgage to consider is how long it will take you to pay it off. With fixed rate mortgages they typically come available in increments of five. The options on the life of the loan are all yours to choose from. Typically most of us are very familiar with the 30 year fixed. However, you do have the option to only go out over 15, 20 or even 25 years when trying to decide whether or not to refinance. Again, punch your numbers into a loan calculator and see what the savings will be by choosing a shorter-term loan. A 15-year fixed mortgage will carry a significantly lower interest rate than the 30-year fixed loan. The shorter the duration of the loan, the lower your interest rate will be.
How about a no-cost refinance?
My daddy always said, “don’t expect to get something for nothing.” Don’t let the clever misleading advertising fool you. You are still paying closing costs on your refinanced loan so you can chalk up another one for the banks and their advertisers. Your new mortgage will include the closing costs, as the banks will just roll those expenses into the new loan generally in the form of a slightly higher interest rate to cover their troubles.
I think I figured out what exactly Victoria’s big secret is! Here it is:
If you are paying regular price for VS items, then you’re totally missing the boat on the amazing savings possibilities!
I’m an all-around savvy shopper and for a long time I found it hard to justify paying a lot for clothes or intimate apparel. My fiancé always made fun of me, telling me to “Save your frugality for the grocery store, just buy what you like!” Well, now he can’t believe some of the deals I get from VS on clothes, perfume and so much more! Not to mention I have more underwear than ever and I have not actually paid for a single pair!
Right now the beginning of the ever popular Victoria’s Secret Semi-Annual Sale (SAS) is upon us. This sale happens twice upon a year, typically in early January and again in early June. It starts online first (Angel Credit Card holders get early access one day before the general public) and then begins a few days later in-store. The sale generally lasts about 2 weeks or while supplies last.
Tips for shopping the semi-annual sale:
Ok, and now, here is THE MOST IMPORTANT THING TO KNOW about the Semi-Annual Sale:
You will be allowed one price adjustment per item if the price drops lower at any point within 14 days after purchasing. Prices can start as much as 50% OFF the regular retail price but during the course of the sale can drop to as much as 75% OFF.
The savings definitely adds up! In order to make a price adjustment you should:
To make a price adjustment, simply bring your receipt to a VS store within 14 days of the initial purchase and request the adjustment. They will scan the receipt and if the price is lower, they will give you back the difference in whatever form you initially paid with. FYI: The price adjustment policy is in effect year round, but it particularly comes in handy during the Semi-Annual Sale. Below is an excerpt found HERE on the VS website. If you have exceeded the 14 days, you can also return the items and re-buy them at this time if they are now a lower price.
Last but not least, if you are not already a Victoria’s Secret Angel Credit Card holder this is a great time to apply! You can apply right at the store and once approved can use your credit immediately. The benefits really are worth it. You will get $15 off your first purchase made using the card and your welcome packet will contain monthly coupon offers exclusively for cardholders, like FREE panties or some pretty fat discounts on pricier items, like their bras!
Just know that this card has a particularly high APR, so its best to not carry a balance and you must make your monthly payment a few days before it is due in order for the payment to clear before the actual due date or they will whack you with a fee. I just pay mine off as I use it, which keeps my spending in check and I don’t need to worry about unnecessary fees. I just use it for the benefits!
Alright! Are you ready?! The in-store Semi-Annual sale will begin nationwide in-stores Tuesday 12/29 (although, rumor has it some stores have already started!) and has already begun online for Angel Card holders. Check your e-mail for the exclusive links. Everyone else gains online access Monday 12/28. Get to the store early on 12/29 for the best selection! Stores open at 8 am on the first day of the sale. It’s gonna be crazy, but totally worth it when you snag some sweet deals! Good luck and happy deal hunting!
Don’t Forget about our Retail Coupon Database as you may find some coupons to stack with this deal.
We now have a much asked for tool for everyone to use: our new Grocery Price Matching Tool. This new tool allows you to insert a product and compare prices and deals at various grocery stores as well as box stores and drug stores. This is a true Price Matching Tool! Try it out today!
Be sure to check out Yes We Coupon’s BIG LIST of current Victoria’s Secret Promo Codes HERE for additional codes aside from what may currently be available on the VS website!
Did you know you can save 2% to 40% off by using gift cards? Yep! Purchase them before you go shopping and save BIG. Victoria’s Secret Cards typically have a very HIGH discount percentage! I have seen up to 30% OFF! Plus, you get $5 off your first gift card purchase. Click here to learn more.
While normally very pricey, Victoria’s Secret can be a great place to shop! They offer TONS of sales, promotions and coupons regularly! Follow our site VictoriasSecretDeals.com and if you LOVE Victoria’s Secret and PINK, saving money and sharing deals, be sure to request to join our EXCLUSIVE *NEW* Victoria’s Secret Deal Facebook Group! Join Here!
Kohl’s is a bargain hunter’s dream store. There is nothing like getting quality merchandise at a fraction of the original price. With all of the promo codes and printable yes passes not to mention Kohl’s cash, you can save a bundle. I personally, wouldn’t dream of stepping foot into a Kohl’s without a coupon in hand or on my smartphone.
My favorite way of shopping at Kohl’s is stacking promo codes online. Serious savings folks! If at all possible, get a Kohl’s credit card. I’m not saying run it up to the max. I use mine for the higher discounts received with the Kohl’s card. Plus, several times a year, they offer free shipping promo codes. I simply pay it off in full each month so that I am not paying interest. That would completely defeat the purpose of using it for the higher discounts! You can apply for a Kohl’s card online here.
If you just can’t get a Kohl’s card, no big deal. You can still save a lot of money by stacking available promo codes. The best way of course, is stacking the promo codes on something that is on sale. It’s crazy to shop on Kohl’s website without promo codes! They allow up to four promo codes per order. You can find which codes are available by clicking on today’s deals on Kohl’s website. For example, use one 15% off sitewide promo code, one department promo code such as $10.00 off of a $30.00 or more kids purchase, one Kohl’s cash or yes2you code and one free shipping code. That is the way to rack up the savings! You must be on a computer to stack more than two Kohl’s promo codes. If you are on a mobile device, Kohl’s will only allow you to stack two codes.
Yes, you can use promo codes and coupons on clearance items! You will often find clearance racks in-store with savings up to 80%! Use a percent off coupon to pay next to nothing.
Kohl’s offers free shipping on orders $75.00 or more. Fortunately, Kohl’s now offers free store pick up on many items. Free store pick up is the way to go if you are not ordering the minimum requirement for free shipping. Paying for shipping is just something I will not do! No matter what store. Just click on pick up in store to choose the store nearest you to pick up.
Sign up for Kohl’s Yes2You program! Sign up online, in-store or with the Kohl’s app. Just show your card, give your email or smartphone every time you make a purchase and you earn one point for every dollar spent. You will receive $5.00 off for every 100 points. You will also receive bonus points and special offers throughout the year.
Some additional ways to receive Kohl’s coupons are by texting SAVE03 to 56457 – You will receive a 15% off coupon. Join Kohl’s email list to receive another 15% off coupon or apply for a Kohl’s card for a 20% off coupon!
Did you know that during Kohl’s cash promotions, you can spend $48.00 and still earn your $10.00 Kohl’s cash rewards? This is something I recently learned. So, if your total comes to $48.00 – $49.00 don’t worry about adding a filler item! You will still receive your $10.00 in Kohl’s cash! Just remember, you must reach the $48.00 threshold after all discounts and before tax.
A couple of times a month Kohl’s will have Early Bird Sales and Night Owl Sales. These sale are offered both in-store and online. The night owl sales run from 3:00 pm to close on Fridays and the early bird sale runs from open to 1:00 pm. You will find up to 25% in additional savings by shopping during these sales. Don’t forget to take your coupons or stack the promo codes. Just watch for the advertisements for these sales in your email, on the Kohl’s website or in a newspaper ad.
If you are a senior, (60 years or older) shop on Wednesdays! You will receive 15% off. This is in-store only. Stack your department promos with that discount to maximize your savings!
Connect to Kohl’s wifi to receive a coupon! These are normally a $5.00 or $10.00 coupon. Plus, open the Kohl’s app while connected to Kohl’s wifi to score 10 bonus yes2you points. You can use the Kohl’s app like a coupon organizer. Scan in coupons and Kohl’s cash, look for current coupons and check your Yes2You points.
Shopping for a gift at Kohl’s? Try this. Shop in-store. Order it from the Kohl’s kiosk. You will be able to put in your promo codes. Then, have it shipped to your home or to the person the gift is for, for free! This is an awesome way to save on the gift and on shipping!
Check out Kohl’s rebates! They offer rebates up to $50.00 on select items. Usually small appliances. The rebates are normally sent to you in a pre-paid visa. With the right sale, promo code, Kohl’s cash offer and rebate often times you can score small appliances for very little and sometimes completely free!
If you need to return something, you have up to 12 months to do so and receive cash back. If it is after 12 months, you will receive in-store credit! Kohl’s is extremely “return friendly”. This eases my mind about purchasing something online that I am not sure I will like. I have plenty of time to return it. Just hang on to those receipts! If you are using any credit card to make your purchase, your purchase history is stored in the computer for a year and you won’t need a receipt for a return. Kohl’s returns really are hassle free!
I hope this helps some of you that love shopping at Kohl’s as much as I do! Our team at Yeswecoupon covers many hot deals from Kohl’s every week. We try to keep it simple with a complete breakdown for you on each deal for Kohl’s cardholders and non cardholders. Check back with us often for all of the current sale and promotions at Kohl’s! You can see all our current Kohl’s deals here.
The holidays are coming up, and who can be harder to buy for than a picky teenager? It seems like their tastes are always changing. We enlisted the help of one of our own teens, co-owner Todd’s daughter Kayla, to tell us all about what’s HOT and IN for this shopping season. Here is what she had to say:
A laptop :
Expensive, yes. But this is also an investment. Your teen can not only use it now, but take it to college with them when they go. Plus you’ll have another place to print coupons from! As always check YesWeCoupon.com for deals at Staples, Best Buy, Amazon, etc.
iTunes gift cards:
Never know what band your teen or tween is currently crushing on? Is it 1Direction or Justin Beiber? How can you keep it straight this week? The good news is that you don’t have to when you just grab an iTunes gift card. And another great thing about these is you don’t have to spend an outrageous amount of money on them. They fit into ANY budget pretty much, and the gift receiver can spend them anytime they want, whether it’s on Christmas day or six months after.
Shoes, clothes, makeup, etc.
Do you have a girly girl in your family? Then according to our resident teen self-proclaimed “girly girl”, clothes, shoes or anything of that nature is a perfect gift. If you don’t have their fashion sense, don’t worry; that’s why they have gift cards. It’s easy and you can leave the shopping up to them.
A new phone:
What teen doesn’t want the newest and coolest phone gadget? This may be an expensive gift unless you have a good plan and its time for an upgrade, though. But if you are due for an upgrade, time it for the holidays and you’re all set for an easy gift.
Body wash, perfume, lotion, etc.
These are great gifts that you can usually get for super cheap or free with coupons, so they’re one of my favorite go-to gifts. Another great thing about these is that the seasonal gift packs get steeply discounted after the holidays, so they are super cheap. I usually stock up on them and then use them for birthdays or even the holidays for the next year.
Last and CERTAINLY not least, Time. Teenagers still need their mom and dad, and we were so happy to see this on the list. In our “things” oriented world, it’s easy for any of us to get caught up in things that we want. But at the end of the day, an investment in your teenager’s life is much more valuable than any tech gadget or item of clothing. Time spent eating dinner together, attending their school activities, watching movies, playing cards, talking and enjoying your family’s company is the best gift there is.
As the cold weather moves in some of us see that as negative, but there are so many fun activities to do during the Fall! Football is a big one, but when you’re not watching the game what is there to do ? Here are my TOP 10 FUN ACTIVITIES you can do before Winter hits!
It is still warm enough to have a campfire. Grab a blanket and some friends, and maybe even make some s’mores! Might as well take the chance while you still have it. Time around a campfire with family and friends is a great way to spend time with each other outdoors before the real cold weather comes.
There is no denying that pumpkin is the official fall flavor, so why not bask in it? There are tons of AMAZING pumpkin inspired recipes from bread to even stew. Check out this FUN Yes We Coupon recipe for Mini Marshmallow Pumpkin Pies HERE! Does a Pumpkin Spice Latte from Starbucks sound good right now? Check out this BUDGET FRIENDLY Pumpkin Spice Latte Recipe from Yes We Coupon HERE!
When the leaves start changing, it is the perfect time to take some incredible pictures! You don’t have to just take pics of the gorgeous foliage. Grab some friends & family, a camera and do your very own Fall photo shoot! Let Mother Nature set the perfect backdrop. This time of year makes for some wonderful pictures. It is also one of the best times for senior pictures for any of you graduating this year!
Don’t waste your money on those cheap costumes from the store. Head to your local thrift store, get crafty and make your own! This is a great activity for little kids (as well as big kids and even adults!) to do in preparation for Halloween. Want some DIY costume inspiration? You will find a pin for 15 AMAZING DIY Costumes for Babies & Kids On our Fall Pinterest Board! (Scroll to the end for the link!)
The day after Halloween is the best! All the candy they didn’t sell goes on sale 30 – 50% OFF at most stores! I am talking mega bags of candy for SUPER CHEAP! Save them for yourself or be a kind soul and share them with friends and family. Look for not so Halloweenie (is that a word?) looking wrapped candies. You could repurpose them for goodies at any upcoming parties or get togethers!
Not only does candy go on sale, but everything else does to! From makeup to decorations, meaning you could get a bunch of stuff for a FRACTION of the regular price and have a KILLER Halloween party the next year!
For those nights when it is too cold to venture outside, just stay in! Movie nights are great in any season. They cure boredom and are a great way to relax.
The time is now and apple picking is fun for all ages. What better way to get fresh apples than to pick them yourself? Plus, you can do the #9 activity when you’re finished!
Mmmmm! Apple Pie or Apple Cobbler? Doesn’t matter, both are incredibly delicious and now you have something to do with all those apples! Want all the goodness of Apple Pie without all the hard work? Check out our Super Easy Apple Crisp Recipe HERE! The name says it ALL!
Whether you make your own cider or prefer to buy it; having it HOT makes it even better! This is one of my favorite things about Fall. Hot apple cider is super simple to make and ohhhh So Delicious! Click here for one of my favorite Apple Cider recipes.
Still craving more Fall Fun?! Check out our Yes We Coupon Fabulous Fall Pinterest Board for over 100 Pins of seasonal recipes, DIY activities, Autumn Themed Decorations and more!
If you love absolutely ADORABLE clothes for kids, but HATE to pay an arm & a leg for clothes that will potentially get ruined or grown out of in a very short period of time, then you have got to shop at Gymboree! I know, you probably think I’m crazy if you’ve looked at their clothes, which generally carry a pretty hefty price tag! I promise you, once you know which deals to pass on and which ones to run for, you can can get amazing quality, super cute clothes at incredibly low prices! They offer clothes for babies, toddler and big kids too!
In general, I have much better luck shopping their sales online. I have found that the prices tend to be higher in-store, although I have occasionally found some hidden gems for in-store shopping. Typically stores that are not in a shopping mall or populated area can also be great for finding spectacular deals! Unfortunately, you also run the risk of the store closing if it’s not that busy, like my super secret awesome Gymboree store did! I have 3 kids, so shopping online is also so much easier for me and I’ve never been disappointed by how the clothes look when I get them from online. In fact, they always have so much more detail in person that I tend to love them even more! So without further ado, here’s my top 5 tips for saving BIG at Gymboree!
Frugal Tip #1: Become a Gymboree Rewards Member. It’s FREE to enroll and they offer great benefits like exclusive coupons and rewards certificates for shopping with them. Sign Up Here and you will receive a coupon for 25% OFF your first purchase! Once you create an account, your information will be saved every time you shop online! You will also receive a card for shopping in-store or they can look up your account with your e-mail address.
Frugal Tip #2: Never pay for shipping. If you are going to shop online, look for promotions that are offering FREE SHIPPING with no minimum purchase requirement otherwise, normally you will need to spend at LEAST $75 to qualify for FREE SHIPPING. They typically will offer free shipping on the first day of a new promotion. Sometimes it will automatically apply at checkout and sometimes they will give you a promo code to use. It’s better if you do not need a promo code to get the free shipping because then you will still be able to apply a coupon! We’ll talk more about those during Frugal Tip #5 so keep reading!
Frugal Tip #3: Shop during Gymbucks earning periods. Gymbucks are a type of coupon that you will receive when you shop during an earning period that will give you $25 off your next purchase of $50 or more for EVERY $50 you spend. So, if you spend $50, your Gymbucks Coupon will be good for $25 off a $50 purchase. If you spend $100, your Gymbucks will be for $50 off a $100 purchase, and so on. Gymbucks automatically add to your cart for qualifying purchases online or they will be given to you automatically with your purchase in-store. It’s best to keep your spending as close to the price thresholds to earn the Gymbucks as possible. If you are going to spend $80, you are better off just going for the $100 mark to get the $50 worth of Gymbucks. You will just end up saving more in the long run by doing it this way.
Save your packing slip when you receive your order since it will have your Gymbucks redemption code on it. In-store they will staple your Gymbucks to your receipt. You will receive a reminder e-mail when the redemption period starts. Rewards Members get access to the redemption period a day earlier than everyone else, so make sure you are signed up! The usually will offer FREE SHIPPING for the first couple days of Gymbucks redemption too, so it pays to redeem them then if you plan on shopping online. You will only be able to redeem your Gymbucks during the next designated redemption period (it says on the Gymbucks when they can be redeemed) and you will basically save 50% on your purchase in addition to any sales they may be offering during the redemption period. Gymbucks can be earned and redeemed both in-store and online.
Frugal Tip #4: Earn your Gymbucks during “GOOD” Sales. There is always some sort of sale happening. Not all sales are good sales. I try to look for all inclusive sales like “Everything $12.99 and Under” or different variations of that. Those are the sales I try to look out for the most and then I will try to buy the items that carry the most expensive regular retail price. If everything on Gymboree.com or in the store is $12.99, don’t waste that sale on a pair of leggings that normally cost $14.99. Instead look for a dress or coat that normally sells for $50 and really get the most bang for your buck!
They can also have great markdowns and clearance sales, so always look around to see what kind of prices are available. If you check out their website frequently, after a while you will start to see how much the prices fluctuate and identify what sales are fabulous and which ones fall short.
Frugal Tip #5: Use coupons of course! Coupons can be found in your e-mails from Gymboree or check out your parenting magazines. I regularly find coupons for 20% off your entire purchase for Gymboree and Crazy 8 (Gymboree’s sister store.) If you have never ordered before from Gymboree, you can also sign up to receive a coupon to save 25% Off your first purchase. Sign Up Here for your 25% Coupon
You can not use coupons when you are redeeming Gymbucks, but you can use them when you are earning them! Just be sure that your total falls above the price threshold you need to earn Gymbucks. For example, if you have a coupon to save 20% on your order, be sure to have enough items to keep your total above $50 after the coupon has been applied (Around $62) and before any sales taxes are added. That way you will be sure to get those Gymbucks!
So that’s it! I’ve been shopping at Gymboree for YEARS and have gotten some incredible clothes. In most cases I have paid less than I would buying my kids clothes at Walmart or Target. The quality is awesome and they have held up even after being passed down from one child to the next. I love all the collections they offer so you can mix and match different pieces from the same collection to get a lot of different outfits. They also have a great resell value if you like to sell your kids gently used clothes to places like Once Upon A Child or consignment shops. Stick to these tips and you will be amazed at the deals you can get! Happy Shopping!