Friday, May 6, 2011

Amazon~ Clif Kids Organic Twisted Fruit $13.40 Shipped


Amazon has Clif Kids Organic Twisted Fruit on sale.

They have the variety pack with 8 strawberry, 8 grape and 8 mixed berry for $13.40 with subscribe & save and free shipping.

You can cancel the subscribe & save at any time.











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Amazon~ Free Airport Mania PC Game Download



Amazon has Airport Mania: First Flight (PC) for Free.

-Flying Fun For Everyone.

-Enjoy 84 Delightful Levels.

-Travel To 8 Amusing Airports.

-Find The Secret Paper Planes.









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Macy's~ New $10 Off $25 Printable Coupon



Macy's is offering another printable coupon for $10 off $25 which may be
used between 5/6 and 5/7 until 1:00 pm local time. 

Certain exclusions apply, see coupon for details.

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Free Round Trip Coach Airline Ticket with Qualifying Kodak Order



Kodak Gallery is offering a deal to anyone making a qualifying $50 purchase.

Choose from a large selection of mugs, frames, jewelry, books, and more. 
Make a qualifying order of $50, and receive a ticket coupon voucher code for a FREE round trip, companion coach class airfare to one of up to 110 destinations.

Shipping rates vary. Some restrictions apply. 
No coupon code needed.

Promotion ends: 5/31/2011

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Old Navy~ Free Flip-Flops with 2 Pair Shorts Purchase 5/6-5/8 Only



Old Navy is offering a free pair of flip flops when you buy 2 pairs of shorts in store 5/6-5/8.
So that is an extra bonus when you shop.

This offer excludes clearance shorts.

FYI-If you have any old flip flops, you can take them into Old Navy through 5/21 and they are recycling the materials to make playgrounds for children!

**Don't forget to print your 30% off one item coupon!!!


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New Pampers Gifts To Grow 10 Point Code

Pampers


There's a new 10-point Pampers code available! 

Just head over to Pampers Gifts to Grow and enter:

PFBY9Y6DPDPW7CR

Get the rewards you deserve. Join Gifts to Grow now to get 100 Free Points.

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Eversave~ Disney Family Fun Magazine Subscription Just $5



Disney Family Fun

Today's Save:Get the most out of family time with a one-year subscription to Disney FamilyFun magazine

Expires 11:59 PM - May 09, 2011

Summertime is just around the corner! Need of inspiration to keep the kiddos entertained? Look no further than today's fantastic Save from  

Get a one year subscription for $5 or a two year subscription for $10
(50% off the cover price).

Plus we've increased our new member credit to $4 as part of our Mom-a-Thon.

New subscribers can get one year for $1 or two years for $6! 
This credit goes back to $2 on Monday.

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Free Radio Flyer Driver's License



This is such a cute idea for your little one who either owns a Radio Flyer or your looking to get one!

 Get a FREE Driver’s License from Radio Flyer.
 Upload your photo, choose your ride, and viola there you go!

Amazon had some nice Radio Flyer Items discounted items…everything from wagons, to tricycles to even airplanes!


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The Club~ Christiana Mall Events



Join The Club at Christiana Mall and enter for a chance to win a $5,000 Shopping Spree - 4 times a year!


Swarovski Mother's Day - Special Offer

This Mother's Day receive an EXCLUSIVE Swarovski crystallized greeting card, our compliments with any Mother's Day gift purchase beginning Friday April 29th. With 84 crystals, this exquisite card is sure to create a treasured Mother's Day memory...a sparkling keepsake to last a lifetime! While supplies last, select stores only.

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Godiva Chocolatier

Get $10 Off when you buy 2 gifts
Each gift must have a $40 + value
At Godiva Boutiques between 4/25 - 5/8

Offer is exclusive at U.S. Godiva Boutiques from 4/25/11 through 5/8/11. Limit 1 discount per person. Offer is not valid on gift basket or gift tower products. Cannot be combined with other offers or redeemed for cash. Not valid on previous purchases. Godiva may withdraw this offer at any time.


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Enter Coldwater Creek's Hello World Sweepstakes for your chance to win a trip for two around the world!

New York City • London • Paris • Rome •
Agra • Hong Kong • Honolulu

One lucky winner will receive a three-week trip of a life-time! Visit www.coldwatercreek.com/helloworld to get started, and the world could soon be yours!

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.
Sweepstakes entry period starts Monday, April 18, 2011 at 8:00 AM (Pacific Time) and ends Tuesday, May 31, 2011 at 5:00 PM (Pacific Time). Grand Prize winner will be drawn on June 6, 2011.


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Brookstone

Save $10 on Brookstone Ultrasonic Jewelry Cleaner $39.95 (was $49.95)

• No chemicals needed!
• Ultra-easy, ultra-convenient.
• For jewelry, eyeglasses, watches—and more.

Offer valid from 4/9 - 5/8/11. Offer valid in stores and online at Brookstone.com.


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Things Remembered

Graduation Gifts Starting at $14.99

Add a degree of awesome to your gift with engraving. Things Remembered offers same-day engraving and will custom engrave your gift while you shop!
Offer expires 6/19/11.


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Perfumania

Mother's Day BOGO 50% Off!
50% OFF Select Items
Price Point Gift Sets
April 12th, 2011 - May 9th, 2011

Extra 10% OFF OTHER Gift Sets
April 26th, 2011 - May 9th, 2011


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The Children's Place

May 1 - May 9
get in the swim...
dive into new swimwear looks at 25% Off!

May 10 - May 25
make endless outfits with our mix 'n match tees, tanks & shorts...just $6!

**Don't forget to print your 15% off entire purchase coupon HERE!


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Build-A-Bear Workshop

Starting May 12

Visit a Build-A-Bear Workshop® store to make NEW
Champ - A Champion Fur Kids™ .

When you buy Champ™, $1 will be donated to the Build-A-Bear Workshop Hugs Foundation which makes grants to children's health and wellness causes.

Plus, through May 14 we'll donate an extra $1!

While quantities last. buildabear.com®

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Yankee Candle

Celebrate Mom
Gift 1, Get 1 50% Off ALL Large Jar Candles

Mix and match. Higher price prevails; first purchase will be at regular price. See store for details. Valid 4/21/11 - 5/8/11

Fragrance that's Always in Bloom
NEW! Scented Flower Reeds $19.99

See store for details. Valid 4/21/11 - 5/8/11.

Lip Balm Sale
Lip Balm 2 for $5 or 5 for $10

See store for details. Valid 4/21/11 - 5/8/11.

**Don't forget to print your $15 off $45 PRINTABLE or $10 off $25 PRINTABLE

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Lenscrafters

The Style Event at LensCrafters
Up to 40% Off
Eyeglasses and sunglasses made with your prescription.

Visit LensCrafters.com for details. Offer ends June 12, 2011.

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Auntie Anne's

Let Your Snacking Inhibitions Run Wild.

CLICK HERE for Auntie Anne's May Pretzel Perks coupon - Free Signature Pretzel with the purchase of any Pretzel Dog or any Stix.

Offer valid May 1-31, 2011.


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Treat Mom to a shopping spree.

A Shop Etc.™ Mall Gift Card lets her buy that designer handbag she's been eyeing or treat herself to a decadent lunch out. Regardless of what it is, it's exactly what she wants.

For purchase information, CLICK HERE.

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Return the Favor

Join Christiana Mall in support of the VFW Foundation. Our soldiers always step up when needed. Now you can do the same. Return the Favor to those who have given so much.

To make a $10 donation, text "RETURN" to 90999.




Did you know...?
You can now get exclusive promotions, the best discounts and mall event alerts straight to your phone! Join The Club Mobile to receive texts from your mall and you'll also be entered for a chance to win a $1,000 Shop Etc. Mall Gift Card.



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Free Gillette Fusion Razor By MobileText



Text PRUEBA to 59999 to get a FREE Gillette Fusion Razor
while supplies last!

**Note that you'll receive a text back in Spanish asking you to reply with your age and then a second one asking you to reply with your name and address. 

You'll then receive your razor in about 6-8 weeks!

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CVS Deals Week 5/8



New to CVS?  Read this first!


Get $3 ECB wyb $10 of the following -Limit 1

Act II Popcorn - 4/$5.00
Poppycock 8.5oz or Orville popcorn 3-4pk -2/$5.00
~Use 0.55/1 Orville Popcorn Pop-Up Bowl  4/17 SS

Healthy Choice Fresh mixer or Wesson Oil 48oz -2/$6.00
~Use $1.00/1 Healthy Choice Fresh Mixer PRINTABLE
~Use $1.00/2 Healthy Choice Fresh Mixers PRINTABLE (promo code: 63829897)
~Use $1.00/1 Wesson Oil  4/3 SS

Chef Boyardee, Campbell's or Hunt's pudding -10/$10.00

******************************************************************


Get $4 ECB wyb $12 of the following -Limit 1

Scrubbing Bubbles 16oz, Fantastik or Windex 22-32oz -2/$6.00
~Use $1.00/2 Scrubbing Bubbles Bathroom Cleaner  4/3 SS
~Use $0.75/1 Scrubbing Bubbles Fantastik All Purpose Cleaner  4/3 SS
~Use $0.55/1 Windex Multi-Surface Cleaner or Wipes Product  4/3 SS
~Use $1.00/1 Windex Glass Cleaner  4/3 SS

Ziploc Freezer 15-20ct, storage 20-25ct or sandwich bag 100ct -2/$6.00
~Use $1.00/2 Ziploc Brand Bags  4/3 SS

Glade Sense & Spray, Plugins, Reed Diffuser or Soy Candles -$7.00
~Use $3.00/1 Glade Sense & Spray Starter Kit  4/3 SS
~Use $3.00/1 Glade Lasting Impressions PlugIn Starter Kit PRINTABLE

****************************************************************


Get $7 ECB wyb $15 of Revlon cosmetics -Limit 1
~Use $3 instant coupon on $10 cosmetics purchase from the Red coupon center this week
~Use $2.00/1 Revlon Face Product or Colorstay Aqua Mineral Make up  4/10 SS
~Use $1.00/1 Revlon Nail Enamel or Revlon Color Cosmetic  4/10 SS

****************************************************************


Get $3 ECB wyb $10 these Covergirl products -Limit 1

Foundation, Powder, Blush or Concealer
Outlast Lipstain $6.00
~Use $3 instant coupon on $10 cosmetics purchase from the Red coupon center this week
~Use $1.00/1 CoverGirl product  5/1 PG
~Use $2.50/2 Cover Girl Products  5/1 PG

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Get $10 ECB wyb $25 of the following Neutrogena products -Limit 1

Healthy Skin Cream or lotion 0.5-2.5oz -$12.00

Rapid Wrinkle Repair 0.5-1 oz -$18.00

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Get $5 ECB wyb Olay Pro-X moisturizer 0.5-1.7oz -Limit 1
~Use $5.00/1 Olay Facial Moisturizer WYB any one Venus Razor Refill  5/1 PG

Get $3 ECB wyb $10 of Garnier shampoo, conditioner or Sleek & Shine kit -Limit 1
~Use $2.00/1 Garnier Fructis Sleek and Shine Kit PRINTABLE

Get $3 ECB wyb Colgate multipack -Limit 2

Get $10 ECB wyb select CVS Blood Pressure Monitor -Limit 1

Get $5 ECB wyb Genteal, Zaditor, Clean Care or Aquify $14.49 -Limit 1
~Use $1.50/1 Genteal  3/20 SS
~Use $1.50/1 Genteal PRINTABLE
~Use $3.00/1 Zaditor Product  4/17 SS OR 3/20 SS
~Use $2.00/1 Zaditor Product PRINTABLE

Get $7 ECB wyb $15 any Excedrin -Limit 2
~Use $2.50/1 Excedrin PM Product, 20 ct+  12/5 SS
~Use $0.75/1 Excedrin, 20 ct+  4/17 SS
~Use $1.50/1 Excedrin, 150 ct+  4/17 SS
~Use $1.00/1 Excedrin PM, 20 ct+ PRINTABLE
~Use $1.00/1 Excedrin Migraine, 24 ct+ PRINTABLE
~Use $1.00/1 Excedrin Extra Strength, 20 ct+ PRINTABLE
~Use $1.50 on any Excedrin scanner coupon

Get $2 ECB wyb All Sundown Fish Oil, Herbals, Vitamins D, B or Melatonin 30-120ct -$5.49 -Limit 1
~Use $1.00/1 Sundown Vitamin or Supplements Product 4/17 RP

Get $5 ECB wyb Zantac 75-80ct or Zantac 150, 65ct -$19.99 -Limit 1
~Use $5.00/1 Zantac, 24 ct+ PRINTABLE

Get $1 ECB wyb Dulcolax Balance 14 doses, laxative tabs 25ct or suppositories 4ct -$5.99 -Limit 1
~Use $3.00/1 Dulcolax PRINTABLE

Get $4 ECB wyb Aleve Regular or Arthritis 200ct -Limit 2
~Use $2.00/1 Aleve, 80 ct+ PRINTABLE
~Use $2.00/1 Aleve, 80 ct+ PRINTABLE
~Use $2.00/1 Aleve CVS CRT Coupon (printed week of 4/24-4/30, expires 5/24)

Get $2 ECB wyb two Aussie/Herbal Essence shampoo, conditioner or styler -2/$5.97 -Limit 1- May monthly deal
~Use $0.50/1 Herbal Essences or Aussie Product 5/1 PG

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Buy One, Get One Free Deals:

All CVS/pharmacy Glucosamine Chondroitin or Calcium Supplements B1G1

All Nature's Bounty or Flex-a-min Vitamins B1G1

Select Nature Made Supplements B1G1


ALL CVS/pharmacy Naproxen B1G1

ZhuZhu Pets B1G1


Quad Chair B1G1


Arizona Tea B1G1


Edy's Ice Cream 48oz B1G1

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Carefree Body Shape Pantiliners 20-22ct. 99¢
~Use $0.99/1 Carefree coupon in 5/8 SS
Final Price= FREE

Mitchum Deodorant $1.99
~Use $1.00/1 Mitchum coupon in 5/8 SS
Final Price= 99¢


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Mega Swagbucks Friday!


Just a reminder that today (and every Friday) is Mega SwagBucks Day:

You can win 50, 100, 200, 500, 1000, or even 5000 Swagbucks! MEGA Swagbucks is only on Fridays but you can still win 3 - 50 swagbucks every day.

SwagBucks is a free program that will pay you to do something you're already doing -- searching the Internet. Everytime you search you have a chance at winning 3 to 50 'SwagBucks'!

What do you do with them once you win them? Trade them in at the SwagStore - Prizes include best selling books, music, gaming, airline miles and gift cards. Amazon, Starbucks, iTunes & Xbox are just a few of the gift cards available.

If you're not a member of SwagBucks yet, you can sign up HERE for FREE!

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Rite-Aid Sneak Peek Week 5/8


New to shopping Rite-Aid? Rite-Aid has a rebate program called Single Check Rebate or SCR. You can enter your receipts online at Rite-Aid throughout the program month so you don't have to mail anything in. Rite-Aid also has Video Values, you can watch videos about the latest products and then you get exclusive in-store coupons.

 
Finesse Shampoo or Stylers -BOGO
Shampoo $4.29
Stylers $3.79
~Use $1.00/1 Finesse Product All You May 2011
~OR use $1.00/1 Finesse Product 5/8 SS
AND $2.00 Finesse Rebate 5/8 SS
Final Price= As low as FREE

Single Serve Candy Bars -BOGO ($.88/2)
~Use $0.50/2 Nestle Singles 5/1 SS
OR use B1G1 Hershey Dark Chocolate Bar WYB Hershey Chocolate Bar 5/1 SS (if included)
OR use $0.50/2 Skittles or Starburst Candy PRINTABLE
Final Price= As low as FREE

Tylenol Precise Patch or Cream $5.00
~Use $5.00/1 Tylenol Precise Product 5/8 SS
OR use $5.00/1 Tylenol Precise Product PRINTABLE
Final Price= FREE

Similac Ready to Feed Formula $4.99
~Use $5.00/1 Similac Product 4/3 SS
Final Price= FREE



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Walgreen's~ Sneak Peek Deals Week 5/8


New to Walgreen's?  Read this first!

Colgate Total Gum Defense or Advanced Toothpaste, 4 oz or Toothbrush  -$3.00
Get $4 RR wyb 2
~Use $1.00/1 Colgate 360 Surround Toothbrush All You May 2011
~Use $1.00/1 Colgate 360 Surround Toothbrush All You Apr 2011
~Use $1.00/1 Colgate Total Gum Defense Toothpaste All You Apr 2011
~Use $1.00/1 Colgate Total Advanced Product Cooking Light Apr 2011
Final Price= 2 for FREE

7up, A&W, Sunkist, Canada Dry, or Hawaiian Punch, 12 pks  -$3.00
Get $2 RR wyb 4
Final Price= $2.50 ea. wyb 4

Pampers Jumbo pk Diapers  $9.00
Get $3 RR wyb 2
~Use $1.50/1 Pampers Products 5/1 PG
OR use $2.00/1 Pampers Cruisers or Swaddlers Walgreens Infant Care Booklet
Final Price= As low as $4 ea. wyb 2

Clean & Clear Morning Burst Body Wash, 16 oz  -$5.99 BOGO
~Use B1G1 Clean & Clear Body Wash 3/27 SS
Final Price= 2 for FREE!

Renew Life Ultimate Flora Probiotic  -$15.00
Get $15 MIR
~Use $2.00/1 Ultimate Flora Probiotic PRINTABLE
Final Price= FREE +

Sunburnt Gel 2.5 oz  -$3.99
Get $3.99 MIR
~Use $.50/1 Sunburnt Gel PRINTABLE
Final Price= FREE + 

Pepsi 12 pk  -$3.25
Get 1 FREE wyb 4 in-ad Walgreens coupon
Final Price= $2.60 ea wyb 5

Arm & Hammer Laundry Detergent Liquid 25-32 Loads or Powder 36 Loads  -$6.99 BOGO
~Use $1.00/2 Arm & Hammer Laundry Product 4/10 SS
Final Price= $2.99 ea wyb 2

Tylenol Precise -$7.99
~Use $5.00/1 Tylenol Precise Product PRINTABLE
AND use $3.00/1 Tylenol Product May IVC Booklet
Final Price= FREE

Carefree Pantiliners -99¢
~Use $1.00/1 Carefree Pantiliners 5/8 SS
Final Price= FREE

Nexcare Bandages -$2.99
Get $2.99 after MIR
~Use $0.55/1 Nexcare Product 4/3 SS
OR use $1.00/2 Nexcare Product 4/3 SS
OR use $0.55/1 Nexcare Product 5/1 SS
Final Price= FREE +

Gillette Fusion ProGlide Razor -$9.89
Get a $5 RR
~Use $4.00/1 Gillette Razor 5/1 PG
Final Price= 89¢



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Free Osteo Bi-Flex® Sample




To request yours, fill out a short form and answer a few questions to receive a free sample.

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Thursday, May 5, 2011

Save at Online Consignment Shop TraTutti.com with Today's $5 Promo Code





Tra Tutti

Today's Save:Consignment designer clothes from TraTutti.com. Kate Spade, Betsey Johnson, French Connection, DKNY and more!

Expires 11:59 PM - May 07, 2011

Looking to add flair to your wardrobe? You'll love Eversave's deal today at TraTutti! Pay $35 for $70 or $60 for $130 worth of apparel from this online designer consignment shop.

Save $5 on this deal with today's promo code CINCO
in honor of Cinco de Mayo.

Plus new members get $4 when they sign up for Eversave this week!

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Walmart Deals Week 5/4



Ivory Soap (3 ct.) -97¢
~Use $1.00/1 from 5/1 PG
Final Price= FREE

Noxema Bikini Razors -$1.97
~Use $2.00/1 from 5/1 RP
Final Price= FREE

Hershey’s Special Dark Bar -50¢
~Use FREE Hershey’s Bar wyb Select Hershey’s Bars 5/01 SS
Final Price= 25¢ ea. wyb 2

Suavitel Fabric Softener -87¢
~Use $0.50/1 from 5/1 SS
Final Price= 37¢

Halls Cough Drops -$1.18
~Use $0.75/1 from 3/27 SS
Final Price= 43¢

Oral B advantage Toothbrush -$1.97
~Use $1.50/11 from 5/1 PG
Final Price= 47¢

Old El Paso Taco Seasoning --$0.78
~Use $.60/3 PRINTABLE
Final Price= 58¢ wyb 3

Thai Kitchen Coconut Milk -$1.42
~Use $.50/1 PRINTABLE
Final Price= 92¢

Pampers Baby Wipes -$1.97
~Use $1.00/1 from 5/1 PG
Final Price= 97¢

Heinz Homestyle Gravy -$1.28
~Use $1.00/2 Heinz HomeStyle Gravy PRINTABLE
Final Price=78¢ ea. wyb 2

Tabasco Sauce -$1.34
~Use $0.50/1 Tabasco Product PRINTABLE
OR use $0.60/1 Tabasco Sauce 5/1 RP
Final Price= As low as 74¢ 



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CVS~ Free Similac and Carefree Pantiliners Starting 5/8



Similac ready to feed formula 32 oz $4.99
~Use $5.00/1 Similac Product 4/3 SS
Final Price= Free

Carefree Body Shape Pantiliners 20-22ct. 99¢
~Use $1.00/1 on any Carefree product 5/8 SS
Final Price= Free



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Free Carefree Pantiliners at Walgreens Starting 5/8



Carefree Pantiliners 20-22 ct  99¢
~Use $.99/1 Carefree coupon in 5/8 SS
Final Price= FREE+

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Walgreen's~ Free 8X10 Collage Print



Walgreens has 8" x 10" Collage Print for Free when you enter coupon code FREECOLLAGE at checkout with free in-store pickup.

Offer valid thru May 7th.

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Free Arthritis Guide



Learn to live better by taking control of your arthritis.


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Amazon~Radio Flyer Odyssey Wagon $59.99 w/ Free Shipping


 
Amazon has Radio Flyer Odyssey Wagon (Red) for $59.99.
 Shipping is free with Amazon Prime. 
This is the lowest price I have seen.

Patent pending 5 way flip and fold seat with child seat belts
Extra long handle for easy pulling plus the handle folds under the wagon for easy storage
Front axels are designed for non tip turning
Extra large quite ride tires
Bonus cooler pack
For ages 1-1/2 years and older




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Barnes & Noble~ Summer Reading Free Book




Your child can choose a FREE book at Barnes & Noble when they read 8 books and record them in their
 

Once they have read their 8 books, just take the completed form to Barnes & Noble between May 24th – Sept 6th 2011 and they will get to choose a FREE book from the featured book list.


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Free 21-Day Guide to Diabetes Control



Join the largest online community for people with Diabetes 
and get a Free 21-day Guide!

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Walgreen's~ Free Clean & Clear Body Wash Starting 5/8



Next week at Walgreen's, Clean & Clear Body Wash is B1G1, match that with the B1G1 coupon from 3/27 SS and you got 2 for FREE!

Buy 2 Clean & Clear Body Wash- B1G1 Free ($5.99)
~Use B1G1 Free Clean & Clear Body Wash coupon from 3/27 SS
Final Price= 2 for FREE

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Thrifty Thursday 5/5~ Building an Emergency Fund



Money is tight. You manage to pay your bills and buy groceries for the family, but after that, there is little left over. What happens if the car breaks down or someone gets hurt? Rather than worry about it, you should concentrate on building an emergency fund. No matter what your income level, this is an important thing to do, and quite feasible.

Budget for Long-Term Expenses

Just because an expense does not occur every day or every week does not mean that you cannot anticipate and plan for them. Car and house repairs are excellent examples of these types of expenses. Other examples include seasonal clothing purchases, buying eyeglasses or contacts, and even things like haircuts. For each one of these long-term expenses, ones that happen only after a longer period of time, you can build a monetary fund.

The first thing you have to do is find out how much money you need for each one, and by what date. If you need two hundred dollars for car tires every year, pick a date when you would like to buy them. Then, simply divide the number of paycheck periods you have until you have to buy them by the money they will cost. The result is how much money you have to save every paycheck for that expense.

What is an Emergency?

A teenager may consider an emergency the advent of a new video game. More mature people should realize what true emergencies are. They include things like house fires, flood damage, cars breaking down when you need it to get to work, a debilitating injury or disease diagnosis, or even your mischievous child spilling a gallon of paint on the rug.

Just imagine what would happen in each instance if an emergency fund was not available to help pay for these true emergencies? You could either not pay the money, and suffer through the problem with disastrous results, or go into debt with credit cards and loans.

How Much Do You Need?

One truth of emergency fund building is that you never really know how much you are going to need. It is always better to err on the generous side. It is a general rule of thumb that you should have three to six month's living expenses secured in a savings account. Surely, this amount will be very helpful if you have an emergency.

The most important thing about building an emergency fund is making sure that it is separate from other savings' funds that you might be building. If you are saving up for a new car or a new roof for the house, a long-term expense, you should still save up money for unforeseen emergencies as well.

Building an emergency fund should be done no matter what your income level. Is the night out to dinner really more important than being able to buy a new tire when you run over a nail? Is the name brand outfit needed more than money to see you through a broken arm when you can't work? You must build an emergency fund before emergency hits.

You don't have to make a lot of extra money in order to build an emergency fund; all it really takes is a reallocation of your expenses and a sincere effort to save a few dollars each day. Here are some of the easiest ways to set up an emergency fund:

1. Make your emergency fund an expense account. Make a 'payment' to your fund each week or month and treat it like another bill. Even though you're really paying yourself, making a conscious decision to pay this expense makes it easier to stick with it for the long run.

2. Purchase savings bonds with your existing savings account funds. Savings account earn pennies on the dollar each year, so set aside some of your untouched savings and invest in savings bonds. These will earn much more interest than your savings account.

3. Pocket your savings. If your credit card payments are lower than expected this month, or you've managed to pare down your utility bill, make a note of the savings and use it to pay your emergency fund 'bill.' A few dollars here and there can add up!

4. Tax your own luxury purchases. If you have an inclination to shop and find yourself overspending, start taxing yourself on the purchase. Impose a 10-15% 'tax' on every extra purchase you make, and send that money straight to your emergency fund.

5. Keep a daily tally of expenses. If you're always strapped for cash by the end of the month, start tracking your expenses on a daily basis. This can feel like too much work on the onset, but you'll become much more mindful about your expenses by making this a daily habit. Once you figure out your daily average, start cutting back on expenses and make a payment to your emergency fund each time you come in lower than your average.

6. Start using a real piggy bank. If you have a hard time writing checks to yourself, go the tangible route with a real piggy bank. The physical process of 'depositing' your extra money somewhere can help you get into the savings habit. You can also use a jewelry box or other container to store your funds, but just make sure to store it in a safe place.

7. Sell something. Today, it's easier than ever to list something you have for sale, an easy way to make some quick cash. Round up clothes in good condition, furniture, and other household items and list them on Craigslist or eBay. Put all the money you make from your entrepreneurial endeavor towards your emergency fund. This is a great way to jump start your savings strategy - and clear the clutter from your home.


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