| Saving to be Rich

Posts by Daria:

Cowboy Fit Zone – Lose 12″ in 28 Days

April 22nd, 2013

As part of the US Family Guide Blogging Network I’ve been offered the opportunity to try the Cowboy Fit Zone Workout Program. Because it’s almost bathing suit season and I really need something to get me jump started I’m gonna do it! The program claims it will help me shed 12 inches in 28 days. Want to join me?

I’m Cowboy Ryan Ehmann ”AS SEEN ON ABC SHARK TANK” and I can’t wait to share this program with you. Are you “TIRED OF WORKING OUT WITH MINIMUM RESULTS? CAN’T GET RID OF BELLY FAT? For only $9.95 LEARN THE Cowboy Fit Zone SECRET at LOSE12INCHES.com. IT’S SCIENTIFICALLY PROVEN AND SWEEPING THE NATION BECAUSE IT WORKS. YOU WILL DISCOVER that YOU’VE BEEN WORKING OUT WRONG YOUR ENTIRE LIFE. My client “Daymond John, Founder of FUBU and Reality TV Star of ABC Shark Tank is doing the Cowboy Fit Zone training so why not join him. You will learn the scientific reason why you are not losing fat with any other workout. Come on, let’s get started today. Wooo Hoooo … That’s What I’m Talking About! VISIT: www.Lose12inches.com

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Turbo Tax for the Last Minute Filers!

April 15th, 2013

I have to admit that I haven’t filed my taxes yet and I’m not going to get them out by the end of the day. If you have easy returns that you need to get submitted or want to file an extension (like me) then check out the Turbo Tax website. I’ve used them to file my taxes for the past 10 years and LOVE how easy they are, plus how affordable – especially if you qualify for the FREE version.

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Financial Planner: Do You Need One?

April 1st, 2013

One of the reasons I started this blog was to keep myself accountable for my family finances and increasing our net worth. Not only be actively involved, because I was already the one managing our finances, but to foster a more intentional approach to our finances with goals and budgets and learning to invest, etc. The MassMutual quiz agrees that’s the type of financial approach ~~I take~~ I’d like to take. Here’s what the quiz (it’s further down in this post if you want to take it) had to say about me:

To be honest, I’ve kind of scoffed at the idea of a financial planner. My self talk went something like this:

Why do I need a financial planner? I can figure this stuff out. I have an internet connection and am pretty savvy, that’s all I need.

But after chauffeuring the kids to and from soccer practice, making dinner, talking my daughter through her first crush, homework, trying to get through Couch to 5K before summer, paying attention to the dogs, paying the bills, cleaning the house and oh yeah, that little thing called a full time job, the amount of time and energy I have left to devote to my finances is pretty slim. I simply don’t have the capacity to be my own financial planner right now.

Sound familiar?

And although I think I’ve diversified pretty well by investing in what I know – rental property, stocks, Roth IRA, 401K, and company stock – something the MassMutual representative that I interviewed said really struck home. Yes I invest in what I know. But I don’t know what I don’t know. How true is that for all of us! We don’t know what we don’t know.

I flat out asked him (Thank you Court for being so accommodating!) – Why should my readers use a financial planner? Why can’t they just use the financial calculators that are out there to figure out what they need to be saving for retirement, college educations, etc.? What do you bring to the table?

And his answers surprised me and really made me see how a financial planner could help. It’s not so much about figuring out how much to save (although they can do that too), it’s all the other details that make a huge difference and you don’t think about unless this is your job.

What type of account is going to have the fewest tax impacts when it is time to actually spend the money?
What happens if income tax increases 2% in the next 10 years? Does that change my investment strategy?
Am I paying attention to the global events that could impact investments in the next 6 months? Do I know how I can either minimize my exposure or maximize my profits based on those global events?
Are my spouse and I on the same strategic page regarding our retirement and investments? Are we both investing in our 401Ks versus diversifying as a couple?
Do I have enough life insurance? Should that decrease or switch to a permanent plan (with a payout) or leave it as term life insurance?
I’m getting a divorce. Now what? How does that impact where I am financially? Am I still ok? Do I have different needs now that I don’t have that second income to fall back on if I lose my job?

There are SO many things to think about and the reality is that I simply don’t have the time or energy to look into them and stay on top of them as I would like. I have a feeling that you don’t either and if you’re reading this blog you want to have a more intentional plan for your finances. You want to have clear goals and steps to get there. You want to have confidence that you are on track. A financial planner can do that. Don’t be embarrassed to ask for help. There is no minimum dollar amount required, so you can start any time.

Take the Quiz

Disclosure: I wrote this post as participation in a blog tour for Mom Central on behalf of MassMutual and received compensation in the form of an Amazon gift code to thank me for taking the time to participate.

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Denver Activities – Glow in the Dark Mini Golf!! $20 Coupon for a Birthday Party

March 25th, 2013

It’s officially Spring Break and so I was thrilled to be given an opportunity to review glow in the dark mini golf at Putting Edge. While we found a hill that had just enough snow left on it to go sledding today, I’m still lining up activities for the rest of the week and one of those days is definitely going to be heading to Putting Edge. My son’s birthday is next month, so this is a perfect way for us to check out if we want to have a birthday party there. If we do we can save $20 with this Putting Edge coupon!!

Want to join us? Here’s the official blurb:

Enter a new dimension of FUN with Putting Edge Glow in the Dark Mini Golf! Engage in a social atmosphere for any group, any size. From the moment you walk through the front door, you have left the real world” and have entered a world full of Fun, Imagination, and Activity. Whether six or sixty, male or female, Putting Edge Glow in the Dark Mini Golf delivers a high energy, high quality experience that is ideal for birthday parties, an outing with family or friends, special interest groups, corporate functions and more. So take a break from reality, and visit your Putting Edge Glow in the Dark Mini Golf Today!

Save $20 off your next birthday party at PuttingEdge Glow-in-the-Dark Mini Golf!

Disclosure: My kids and I will receive admission to facilitate our review.

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Spring Break Ideas – Dinosaur Ridge Experience & FREE Coupon

March 25th, 2013

It’s the first day of Spring Break – are the kids bored yet? No?

You’re doing well! Mine aren’t quite yet either, but before we cross that line (sometimes of no return) I’m going to take to check out Dinosaur Ridge as we’ve never been before. Can you imagine having lived in Colorado for 14 years and I’ve never gone? It’s right in my backyard. Tragic. But about to be corrected. Want to know more and see the link to the FREE coupon? Read on…

Here’s the official blurb:

Experience Dinosaur Ridge where 150 million year old dinosaur bones are encased in sandstone at eye level and visitors are encouraged to touch, feel, and experience these remnants from Late Jurassic floodplains and stream channels! 100 million year old dinosaur tracks sit atop layers of sand and mudstone, the pads of the toes and patterns of migration seen in over 300 footprints and 37 trackways. At our Visitor Center you can enjoy our Gift Shop, Trek Through Time exhibits, a simulated dinosaur dig, and even grab a bite to eat from our snack shack! There’s something for everyone here at the Ridge, so let’s go explore! Guided tours are available year round to groups of all ages including families, daycares, home school groups, private school groups, public school groups (kindergarten through college), civic groups, clubs, and senior centers. These tours should be scheduled at least two weeks in advance.

FREE Admission to the Dinosaur Ridge’s Exhibit Hall, Trek Through Time with this coupon http://www.coloradokids.com/coupon.php?id=23050675

My kids and I will receive a free tour in exchange for this post and an upcoming review.

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Heaven! 4 Hours of Housecleaning Only $65!!

March 23rd, 2013

I am dreaming of having someone come clean my house for me and lookee what drops into my inbox…

At 1st Choice Cleaning we offer an affordable option to help you with the daily duties of housekeeping and organizing. How we may differ from our local competitors.

We work directly off of a list from you! We will start with your #1 priority and work our way down your list, getting as much done as time allows.

We use your supplies and equipment. Allowing you to make the right decisions for your home and family.

We do not charge for anything extra, we can help with anything from the baseboards to the ceiling fans, dishes to organizing!

We can even help with laundry. All we ask is that you pre sort and have anything that has special needs taken out.

Let A 1st Choice Cleaning do the dirty work. Don’t let your family time be lost or ruined by the drudgery of cleaning.

4 Hours of cleaning (Regularly $168.00) for only $65.00. Can buy up to 3 Deals. Buy three Specials upfront and for the first 25 that respond, you will receive 1 full year of regular service for $70.00 per 4 (man) hr. service. Payable at service, after three original cleans used. No Contract, schedule cleanings, when you want them. Call 720-237-6842 for Details.

Coupon:

**I may qualify to get 4 hours for free for posting about this deal. Even if not, the price is pretty difficult to beat and I’ll likely buy one for myself…Can we say early Mother’s Day present to ME!!?

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$3 OFF Unlimited FUN Boondock’s Passes Just in Time for Spring Break

March 23rd, 2013

Spring Break is officially ON for Jefferson County Schools in Colorado. What does that mean? It means I am frantically looking for ways to entertain my kids that will keep them from saying, or at least postpone, those two little words that say ALERT! Bad behavior about to ensue! You know those two words, right? The ever dreaded “I’m bored.”

I’m in luck and so are you! Boondocks is offering $3 off their unlimited fun passes! Boondocks is awesome and there is no way kids can say they are bored – not with bowling and go carts and an arcade and laser tag and miniature golf and so much more.

Here’s the official blurb:

Boondocks provides a variety of entertainment options that appeal to a
wide range of ages and interests. We strive to create an environment
that is safe, clean and inviting for all ages. Great Food, Fun Games, Thrilling Attractions, Cool Prizes, and Friendly Service all at a price that can’t be beat!

Boondocks Lanesoffers twenty lanes of full-size bowling that combines old fashioned fun with the latest technology. Our state-of-the-art bowling center features comfortable couch seating, large flat panel scoring displays, and huge 4- lane wide video screens where you can catch your favorite music videos and sporting events in HD. Automatic bumpers and ball ramps make for a great bowling experience for even the youngest guests and everyone is sure to enjoy the full service lane side food options that include premium salads, delicious sandwiches, healthy wraps, fresh baked pizza, gourmet burgers and more. Check out Boondocks Lanes and see why it is the best entertainment experience ever!

This is an exclusive offer brought to you by ColoradoKids.com!

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