95% off Dave Ramsey Products!

Tonight is my last class to complete Dave Ramsey's Financial Peace University course. For anyone wanting to get out of debt, understand and become wise in handling money, or become a millionaire, take Financial Peace University. I only wish I had taken this at the age of 17-years-old and in high school! Needless to say, I have put this on the future schooling agenda for my children. :) He certainly is the financial guru of this time period, and entertaining to boot.

Here are his seven steps to financial freedom that all of his materials are based around (do these in order):

1) $1,000 in an emergency fund ($500 if your income is under $20k/year)

2) Pay off all debt except the house utilizing the debt snowball

3) Three to six months expenses in savings

4) Invest 15% of your household income into Roth IRAs and pre-tax retirement plans

5) College funding

6) Pay off your home early

7) Build wealth and give!

You can find out about local classes, register for his online class, or access all of his free forms and information through http://www.daveramsey.com. OR, pay $1 and get his "Cash Flow Planning" lesson on mp3 AND an mp3 copy of "The Super Red Racer" children's book by Dave Ramsey! This normally costs $21 but is 95% off for three more days over at Mamapedia. Take advantage of this with your one dollar!

FREE 20-Page Hardcover Custom Photo Book

Picaboo is offering a FREE 20-Page Hardcover Custom Photo Book through the end of August. You do have to pay shipping, but this is a $39.99 value! I haven't finished making mine yet, but you download this easy program that helps you make the book. It's fast, customizable, and pretty darn good looking. :-) I'm extremely excited about this because it's a GREAT Christmas gift for the Grandparents that most of us wouldn't be able to afford otherwise!

Visit http://www.Picaboo.com and enter the code "FREEBK" at checkout.

Since I haven't got mine ordered yet, let me know if you use this and how it works for you!

Kelly's Closet and DiaperShops Discount Codes

Just heard word from Kelly's Closet  and DiaperShops about the following deals...

http://kellyscloset.com/

Here is the list! Have fun and remember there is a limit of 1 code per order. (You can use more than one code but you would need to place multiple orders.)


*Free shipping on your entire order with a $10 purchase of bumGenius,Flip,or Econbum. Use code BGFLIP . (Excludes bumGenius detergent). Coupon can expire at anytime.

*Take 10% off all Rumparooz. Use code PN042010

*Free one-size cloth diaper with a $25 purchase. Use code PGNBMAY Exp. 7/1/2010

*Free shipping on your entire order when you purchase $20 or more of GroVia brand. Use code GROVIAPROMO

*Free one-size cloth diaper with $25 purchase. Use code OSMOTPROMO Exp.7/15/2010

*Buy 5 bumGenius 3.0 one size diapers, get 1 free. See website for details.

Rules for coupons: Sorry, NO previous or pending orders discounted. No exceptions. Limit 1 code per order.

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...and if none of these strike your fancy, be sure to check out Diaper Junction. They always have great deals and I get like a 5% commission (store credit), so I'm always happy when someone clicks on my link and orders from them. :-)

Earn $ For Posting Reviews at Franklin Goose!

I came across an awesome opportunity yesterday and just spent the last hour working on it for myself: posting reviews of products my family has tried on Franklin Goose's website in exchange for $5.00 store credit PER review.

WHAT?! Franklin Goose says that "many people have asked why were are doing this. The answer is simple. We believe in our site. When we consider all the ways to let people know, we prefer to spend $500,000 on giving money to the people who need it in a creative way rather than to an ad agency for a series of magazine ads."

Yesterday was the first time that I'd heard of Franklin Goose, and I've read on their Facebook page since then that they've had an overwhelming response to this call out for product reviews. The promotion ends March 31, 2010, but they are honoring the $5.00 credit with no limit to how many reviews you can submit--and they're getting over 20 reviews per minute submitted to their site! FYI: they have some great information on their Facebook page, so I'd become a fan after you check out their website. :-)

People, this is an incredible opportunity to support a company that provides natural products for your babies and families. It also provides YOU with an incredible opportunity to earn products for your family that you need and want---and for nothing more than sharing a few sentences on why you did or didn't like something! I'm incredibly blessed by this opportunity as there are some things we still need for Baby Monkey before he arrives and this could be the way we are able to afford some of those things. Pass on the blessings and go start writing!

What: earn $5.00 store credit for EACH product review you submit at Franklin Goose until March 31st.

How: go to http://www.FranklinGoose.com , open an account, click on a product you've tried, and then on the words "Add Your Thoughts" for that product. You simply fill out the form and submit it! Because of the overwhemling response, it may take 2 days for your store credit to appear, but when it does, you'll have a "store credit" box on your "My Account" page with your earnings.

Making Money Through Swagbucks FAQ

Building a Better Blog: How to make money online and through your blog

Post #2: Swagbucks

Swagbucks.com is (in essence) a paid to search program with a twist. You do searches (just like one would use Yahoo or Google) and randomly throughout the day you'll be rewarded with Swagbucks (which work like points). Swagbucks can be "cashed in" for rewards like giftcards to Target or Amazon.com (plus lots more), sports memorabilia, video games, etc. Swagbucks have no monetary value though (so there's no option to get a check rather than buy a giftcard).

Q) Does it cost to join or receive rewards?100% free to join. I've only ever gotten e-giftcards (for amazon.com) so there was no charge whatsoever. I honestly have no idea about say, a bass guitar if they charge shipping or not.

Q) It says I need a swagcode to join. What's that?Swagcodes are keywords that are put out by Swagbucks.com so you can earn automatic points rather than earning points by searching. You don't need to enter anything in in order to join though.

Q) Does Swagbucks have a referral program?Yes, they do. For every referral you have, Swagbucks will match their swagbucks up to 100 swagbucks (so after your referral earns 100 you don't earn anything from them). So, say I have a referral who earned 2 Swagbucks on a search--that means that I also earned 2 Swagbucks.

Q) Do I have to download the search toolbar?You can either search (after joining) by going to www.swagbucks.com OR you can download their toolbar and it just replaces my google/yahoo/etc. bar in Firefox. No virus warnings or any issues whatsoever on my computer.

Q) How many searches should I be doing a day?I do searches all day long. However, do not do too many searches back to back (like rapid fire) or Swagbucks will think you are some kind of spambot and you'll NEVER get Swagbucks. This is what happened to DH. On average winning happens 2-3 times during the course of a day. Some searches you'll receive only 1 buck... but sometimes you may get 2,3 or even 20 swagbucks for a search!

Q) So, what should I be search for? Are there keywords that always work?GOOD question. For the most part, swagbucks are random. Some words may get a swagbuck for one person, and not for the other. However--in my experience, I've found that mainly proper names do pretty well consistently with winning Swagbucks (So, search for your name, your DD's name.. or any other proper nouns). We like to share when a word does work for us because it MAY just work for you too! But, for the most part, they're random.

Q) What's a swagcode and how do I enter them?Swagcodes are released by Swagbucks.com. They earn you Swagbucks instantly rather than having to do searches in hopes of a swagbuck. They normally have a quick expiration on them, so if you see one, go on and enter it in then. Where do you enter them, you may ask? Here's how I do it: Go to Promote on the top of the screen (black menu bar) after you do a search. Then I go to "Your Swagbucks" (it's in a grey menu bar a little lower)--then you should see a place that says "have a swagcode".. enter it in here. Swagcodes are case-sensitive and always click "Gimmie" rather than enter. I've entered swagcodes and thought I didn't get anything, but then a day later they'll show up.. so some are not instant.

Q) Is it legit? Have you earned anything?Yes. It is legit.. or I wouldn't be going on and on about it. lol. I have received 2 giftcards to Amazon.com using my Swagbucks and made purchases very easily. If you order stuff--shipping is free!

A big "thank you" to http://screamingpenny.blogspot.com/ for writing this guest post!

How to Make Money Through Your Blog: Cashbaq

Building a Better Blog: How to make money online and through your blog
Post #1: Cashbaq.com

Description: Cashbaq allows you to earn either a discount (some up to 50%, average is 5-6%) or a designated monetary amount ($20 is common) on your online purchases from over 2,900 stores. We're talking everything from eBay (2%) and 1800-flowers.com (8%) to Snapfish.com (10%), Visa Black Card ($70), Jelly Belly (10%), and OxiClean (10%). Seriously. Everyone is on this list.

On top of the discounts and rebates, Cashbaq has special "coupon" offers you can use (I get them emailed to me). I find some HUGE deals with their coupons--in fact, that's how I got my Simple Shoes for virtually nothing!

How this earns money:

1) You are saving a significant amount of money on your regular online purchase (textbooks, vacations, household items, gifts, clothing...).

2) You earn $ off of referals. See below.

How to do it:

1) Sign up. It's free and fast--and you don't have to provide too much information.

2) When you (or a friend) makes an online purchase, start at cashbaq.com and then click into your store. Meaning, if you're making a purchase from The Land of Nod, don't start at landofnod.com. Start at cashbaq.com and click their link for The Land of Nod.

2) You spread the word to your friends (if you want to make money from referals). As they sign up and save money on their online purchases, you will earn a comission of their spendings.

Your friends: 10%       Their friends: 5%     Their friends' friends: 2%

So if all of your friends, their friends, and their friends' friends earn a total of $100 a month together online, you'll be getting $17.00

3) Every time you reach $10.00 in your Cashbaq account, they will either send you a check or put the money in your PayPal account.

Other Nice Things:
1) Cashbaq will not share your information or send you SPAM.
2) When you click on a store link, Cashbaq will automatically let you know if there are any additional coupons (on top of the discount) for that store.
3) They automatically put $5.00 in your account just for signing up.

You can't lose anything! I've only made one purchase through Cashbaq.com and already have $7.11 in my account! I've also been a member with them for a few months and have yet to receive any SPAM or anything fishy from them.

Good luck, and get started saving (and earning) some money! Click here to visit their site.

How to make money through your blog and online

So you want to make money with your blog. Or maybe you don't have a blog and want to make money online, instead. I have the goal of earning enough money through my blog this year that I will be able to afford the Internet at my house (about $40/month). In my search to find out how to truly and legitimately earn money online, I'll also be sharing my findings with you so that you too can have a few extra trickles of income!

This will be my criteria:

1) Must be free.

2) Must be legitimate.

3) Must not cost me any extra time (i.e. I won't be filling out surveys!).

The results of this search will be posted here on Life More Simply as additions to the "Building a Better Blog" series--starting today! I have a handful of topics that I'm in the process of researching right now, including Cashbaq, Swagbucks, AdSense, Amazon Associates, and Paid Advertising Space. If you know of any other endeavours that I should add to this list, leave me a message below and I'll check them out for you!

Post #1: Cashbaq