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Finding Extra Cash in Your Budget for the Holidays & $300 Cash Card Giveaway #HRBlockEA

H&R Block has asked me to help promote the Emerald Advance Line of Credit. The prize was provided and may be shipped to the winner by H&R Block, but all opinions expressed in the post are my own and not those of H&R Block. Entrants must be 18 or older and located in the US only. Winner to be chosen at random.

The holiday season can be tough to manage financially. Like me, you might have lots of gifts to purchase, parties to host or meals to prepare for your family.  It can really be challenging at times, but even burdensome.  I want to share some tips on finding that extra cash in your budget with some of the tools and tricks that I rely on. Hopefully we can both maneuver some extra cash this year, let’s see what we can do! Do you have potential cash just sitting around your home?  Then, I’ll share a sweet option from H&R Block that you are going to love!
Tips for Finding Extra Cash In Your Budget for the #Holidays #HRBlockEA #ad

Tips for Finding Extra Cash in Your Budget for the Holidays

 See if you can free up cash by reviewing your bills and your pay stub. Will getting rid of those extra channels on your cable save you for the holidays? Are you opting in for something you no longer need at work? Take inventory, you might just find a little extra cash available.

✴ Plan, plan, plan. Have a plan in place in advance, don’t just wing it. With your head on your shoulders and with plenty of time to get ahead of the game, plan out your budget now. Figure out what you need now, you can save money more money by avoiding impulse purchases and last minute items.

 Still have unopened gifts from last year? It’s time to unload.  Try selling them or heck re-gift them if needed.

✴ Buy less. Take inventory of what you have in your cupboards before heading off to the grocery store. With a little creativity and a Google search you can probably make some meals using what you already have on hand. Every penny counts.

✴ Got Gift Cards? Twice a year I go through all of the gift cards that have been sitting in my wallet to check my balances.  Make sure to spend every last penny on the things you need this season.  If I have gift cards that I haven’t used and probably won’t use, I sell them. You could also gift them too!

✴ Shop Smarter.   Get more bang for your buck, make sure to take advantage of money saving offers like coupons and deals or cash back offers and rebates. Buy in bulk if that will shave money off of your overall budget. There are many retailers looking to get your attention, give it to them if the deal is right. Be sure to sign up for any freebies online and in-store and of course you should also enter giveaways to win when you have some spare time.

These are some great ways to tap into your resources.  I’d also like to invite you to check out another great option called Emerald Advance Line of Credit from H&R Block.  They realize that sometimes a bit of extra money can be the difference. I like this interesting option to essentially borrow and repay up to $1000 which makes it different than say a credit card. This option feels more like just help when you need it… yet assisting you in keeping your budget in check since there is a limit.  Among ways to pay down any debt owed, you have the ability to pay off your Emerald Advance with a portion of your tax refund. This makes for ultimate convenience.

emerald

Things to know about the Emerald Advance Line of Credit:

✴ All you need to apply is an unexpired government-issued photo ID and your most recent pay stub (no W2 form required!)
✴ You don’t already need to be an H&R Block client to apply
✴ The Emerald Advance is a line of credit you can draw from as you need it. You can use it year-round for unexpected expenses and other short-term credit needs. It’s that easy!

Make sure to find out all the details over at H&R Block.

H&R Block will begin accepting applications in offices November 25th so set up your appointment today!

Guess what? H&R Block is giving one of my readers a SWEET prize! One winner will have more money in their budget with a $300 Cash Card! Whoo hoo!

WIN IT!

PRIZE: One winner will receive a $300 Cash Card from H&R Block

RULES:
-Giveaway is open to US Residents, 18+
-Giveaway ends on 12/03/2013 at midnight EST
-Entries are only valid through the Giveaway Tools Form
-Comments do not count as entries

About Dawn Lopez

I love sharing ideas and inspirations to make life better. I'm a blogger, social media maniac, brand ambassador & food photographer wannabe. You'll find me doing crazy experiments & spending quality time with my hubby & son. Decaf coffee somehow keeps me going throughout the day.


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Comments

  1. Trisha McKee says:

    I plan on saving money by cutting back on frivolous spending. I can make my own lunch with leftovers instead of splurging on food. i can also use coupons and plan meals better.

  2. Melinda Stephens says:

    I bought most of my son’s winter clothes used and I am handmaking gifts to save money.

  3. Thanks for the giveaway…you have the bility to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose.

  4. Richard Hicks says:

    I learned that you have Access to credit year-round

    brich22 at earthlink dot net

  5. Thomas Murphy says:

    I learned If approved, you are eligible to maintain your line of credit year-round

  6. If approved, you are eligible to maintain your line of credit year-round.

  7. Angel Ray says:

    I’ve been saving money by prioritizing the things I need to buy. I’ve cut out almost all of my extra spending this way.

  8. Paula Tavernie says:

    I plan to save money by shopping for sale items!

  9. scott amoroso says:

    I learned about the Emerald Advance card and how if approved you can have the line of credit all year long

  10. I plan on saving money by doing a lot of Christmas shopping online and taking advantage of no shipping specials and sales.

  11. Amanda Sakovitz says:

    I plan on saving money by baking cookies as gifts.

  12. Vikki Billings says:

    I plan to save money this holiday season by staying on my budget and shopping sales!

  13. Angela Cash says:

    i plan to save money this season by crafting many of my holiday gifts. I have also found some fantastic online coupon deals for the few gift items that I purchased.

  14. Candice Hull says:

    I save money by couponing and thrift shopping. Also, this year we did secret Santa instead of buying for everyone in the family, which will save us hundreds
    Thanks

  15. Laura Ellington says:

    I plan to save money by making a lot of handmade gifts.

  16. addrienne mertens says:

    i plan to save this holiday season by shopping online.. its easier than running around or buying te first ting i see

  17. I plan to save money by shopping early and using coupons.

  18. Melody Domingues says:

    I’m going to budget on what I spend on bulk supplies for crafts and make DIY gifts for everyone!

  19. Sarah Marshall says:

    I plan to save money by only spending within my means and not going into debt over the holidays!

  20. Tanya White says:

    I plan to save money buy using sales and reward points/cash I have saved, I also don’t buy anything thats not at least 50%off.

  21. Karrie Millheim says:

    I plan to save money by cutting back on the extras and hitting the sales

  22. Leslie L Stanziani says:

    I am saving by searching for the lowest prices and all the coupon deals that I can.I have 4 kids,so saving is a must.

  23. Sarah Fitzgerald says:

    I save money by teaching my kiddos to not waste.

  24. I’m saving money by shopping during sales! I did a lot of shopping today for Cyber Monday and found lots of great deals!

    coriwestphal at msn dot com

  25. Carolann Leibenguth says:

    This year to save money the adults in the family are drawing names and only buying for that person instead of getting a gift for each person. Christmas is for the kids anyway. I also have been using more coupons and I can’t believe how a little planning and cutting coupons saves so much money.

  26. Judy Chapman says:

    I will save money this season because I have to I have 3 beautiful kids and 2 new grandsons, diapers and formula cost and we will save to have money for the things we need for our loved ones.

  27. Susan Smith says:

    I plan to save money this holiday season by only shopping during sales, using coupons and only buying with cash.

  28. I am making sure that I stick to my budget

  29. Samantha Daleo says:

    I would use it to make sure my daughter gets something nice for Christmas.

  30. This year, I am saving our family money by buying less. Of course, we are taking our girls to Disney a couple of days after Christmas, so that is a HUGE present. But there will be a lot less “stuff” under the tree this year.

  31. Jim Weaver says:

    I like that they will give you free representation in the event that you get audited after having them do your taxes. Happened to me last year and they were AWESOME

  32. Shelbi Cox says:

    I plan on saving money by ad matching and Cyber Monday sales. I really didn’t shop during Black Friday. I found nothing of interest for my family that i could afford.

  33. Tiffany Hearn says:

    I like that you can repeatedly borrow and repay.

  34. ellen casper says:

    I plan to save money by using free shipping offers and sales online

  35. joseph gersch says:

    i plan to save money by using online coupon codes

  36. I learned the card is reloadable without a lot of hoops to jump through.

  37. I compare prices to get the best deals and just try not to spend much in general.

  38. Dana Cerrito says:

    I have learned that I can load funds drawn from my line of credit to your H&R Block Emerald card for easy access. awesome!!!

  39. Crystal F says:

    I like that you can have your paycheck directly deposited onto the card if you wish. thank you!!

  40. Kim Henrichs says:

    I like that you can pay down your balance with your refund if you like!

  41. I plan on saving money by baking quite a few of the gifts.

  42. Stephanie Larison says:

    I plan on only buying gifts when they’re on sale, and added with a in-store coupon.

  43. I plan on saving money by using coupons and shopping when sales are running.

  44. Tanya Holland says:

    I plan on saving money by doing Diy gifts. I handicraft jewelry and bake so hopefully this helps.

  45. I learned that the Emerald Advance was available in participating offices beginning November 25th.

  46. Karen Glatt says:

    I plan on saving money this Holiday season by only spending a set amount of money that I have in an envelope and by shopping on Black Friday to get the best deals!

  47. I learned that you can have access to credit year-round!

  48. Emily Morelli says:

    We have really pared down this Holiday and are going by the rule of three. Each child only get three gifts – something they want, something they need, and something to wear.

  49. Rebecca DeCamp Bryant says:

    I really can;t tell you how I plan to save money this holiday season because I don’t have any to spend but if I did have it, I would not charge my presents and I would have a budget.

  50. Pamela Gurganus says:

    I learned and think it’s awesome that you can pay down the balance on the Emerald Advance with a portion of your tax refund, if you want!

  51. lisagee1234 says:

    Save money? Impossible. Everytime I have a new month to think I can, a new bill pops up. Rent a car for Dec now. unexpected!

  52. I plan to save money by shopping sells and comparing prices

  53. To help save money this year I am cutting back on how much I spend and paying cash for everything.

  54. Doing less shopping to save money

  55. I buy presents year-round.
    Thanks for the contest.

  56. I try to do a lot of research online and find the lowest price I can. And not buy “junk” that we really don’t need.

  57. I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access.

  58. I save for the holiday by buying items throughout the year so everything is not piled up in one month. Thank you for the wonderful giveaway!

  59. I shop sales only.

  60. We plan to save money by buying what we can on sale or at Aldi’s. We don’t always have to have the name brand items

  61. Susan Johnson says:

    I plan to save money this season by not using the Walmart price matching for the things I buy this season, and spending time researching online the best prices on items.

  62. This year I was really determined not to get caught out at the last minute shopping for whatever is leftover in the stores the week before Christmas, so as I ran across sales and discounts for items that I knew family members would like, I bought throughout the year. This saved me lots of money and now, a lot of aggravation, as I only have a very few gifts to buy in this big mad rush to buy right before Christmas!

  63. Cindy Merrill says:

    How I plan to save money this Holiday season: I plan to make Christmas Wall hangings- very inexpensive. I also simply cover art work pictures with Christmas wrap for a festive look.

  64. I learned that their late fee is only $7.50!

  65. Paol Trenny says:

    I am only buying presents that are on my list. No extras this year and by entering lots of giveaways this holiday season

  66. Priscilla P. says:

    I’ve been buy Christmas all year. When ever I find a sale, I buy and put stuff up for Christmas.

  67. Betty Baez says:

    I plan to shop black friday and cyber monday and look for sales!

  68. I plan to save money by making sure I find the absolute best price for every gift by using the internet.

  69. wendy rozema says:

    I learned You could have year-round access to up to $1,000126, loaded on an H&R Block Emerald Prepaid MasterCard. If approved, you can walk out of the office with funds already loaded to your card.

  70. Excellent site you have here.. It’s hard to find high quality
    writing like yours these days. I seriously appreciate people like you!
    Take care!!

  71. Mahdi Martin says:

    I plan to save money this holiday season by taking advantage of special sales and coupons. It’s also best to get holiday shopping started as soon as the year begins.

  72. I plan(ned) to save money buy shopping year around and not only 2 Month prior to Christmas

  73. I plan on saving money this holiday by NOT spending money I don’t have. I know it’s easier for me because I don’t have kids but I wait and see what I have and budget accordingly. Thanks for the giveaway!

  74. I plan to save money buy using coupons and discount codes.

  75. Jennifer Marie says:

    I plan to save money by shopping around for gifts!

  76. I plan to save money this holiday season by using coupons. also shop through out the year. That way my budget doesn’t take a major hit.

  77. Danielle F. says:

    I plan on saving money this holiday season by not waiting until the holiday season to buy the gifts. :) I plan ahead and have been shopping for gifts all year round. There are great deals and sales during every month and there is no reason to wait until late Nov/Dec to purchase holiday gifts.

  78. april yedinak says:

    I plan to save money this year shopping sales, using coupon codes, free shipping and cash back sites.

  79. Rebecca Orr says:

    I save money by shopping clearance and sale racks first. At every store and online. Then if I can not find what I am looking for I buy it regular price. I try to use gift cards as much as possible when I have them too. It cuts out a chunk of cash that I plan to spend.

  80. I plan to save money by printing coupons before I go shopping this year.

  81. i learned they have a special program for small businesses like mine

  82. Lisa Burke Cook says:

    How I save is I compare prices and usually go shopping on Tues or Wed as they seem to run better sales those days

  83. Mary Beth Elderton says:

    I plan to save money by hitting the sales and taking advantage of price-matching whenever necessary.

  84. I learned that The Emerald Advance is a year-round line of credit.

  85. Barbara Montag says:

    I’m going to save some money by closely watching the Sunday paper ads for the best deals.
    Thank you.

  86. I save money each holiday season by shopping around for the lowest prices of items I’m looking for, and waiting for sales!

  87. julie matek says:

    I plan to save money by using more coupons and not splurging on things I don’t need:)

    jmatek AT wi DOT rr DOT com

  88. going to do some black friday sales

  89. Nannypanpan says:

    I am gonna save money by shopping black friday

  90. I plan to shop smart by shopping ahead of time such as black friday

  91. Ann Fantom says:

    I learned that you can apply for H & R Emerald Advance over the phone

  92. 激安 ミュール 超歓迎 says:

    I will immediately grasp your rss as I can’t find your e-mail subscription link
    or e-newsletter service. Do you’ve any? Kindly allow me understand so that I
    could subscribe. Thanks.

  93. I plan on saving money by doing a secret santa with my family and emphasizing time spent together as opposed to what we bought!

  94. Ellen Anderson says:

    I’ve just started officially budgeting with Mint.com! :) It’s a start..

  95. Coupons and not carrying my credit card

  96. Cynthia Gray says:

    I am buying less and making more things for those I am gifting.

  97. lissa crane says:

    I plan on saving money this season by shopping only the sales and not going overboard like I usually do!

  98. I plan on hitting the Black Friday sales.

  99. I’m saving money this year by cutting way back on the number of Christmas cards I’m sending

  100. Christine Mayfield says:

    I plan to save money by shopping the sales and using coupons.

  101. Theresa Brezovski says:

    Sales and coupons, at Christmas and all year long. I love the savings :)

  102. I learned that If approved, you are eligible to maintain your line of credit year-round127. Be prepared when the unexpected occurs.

  103. I learned that you can file taxes online at H&R Block

  104. sarah hirsch says:

    i save money by shopping around and comparing prices

  105. Cindy Merrill says:

    I plan to save money this holiday season by making homemade treats for gift giving.

  106. Margaret Smith says:

    I learned that you can get up to $1,000.00.
    I plan on saving money by comparing newspaper adds and online prices, before shopping. We’re really on a tight budget, so buying on sale is a must, so I can stretch out the budget.

  107. Elizabeth McGlasson says:

    I plan on saving money by only getting what I need. And if I dont have cash on me I wont buy it. Always fun as well to make a list and stick with it so you wont over spend!

  108. Amanda Alvarado says:

    I plan on cutting back how much I buy and looking for good sales and using coupons!

  109. I plan to save money this holiday season by giving my time to others and making homemade baked goods as gifts.

  110. I shop sales with coupons.

  111. Natalie J Vandenberghe says:

    I like that you can reach “Live Support” if you have questions while perusing their web site.

  112. Tabathia B says:

    I liked that you can maintain your line of credit year-round if approved

  113. Lucy Lopez says:

    I plan to save money this holiday season by using coupons, price matching and buying sale items.

  114. Sandy Cain says:

    I plan to save money this season by doing very careful comparison shopping.

  115. I plan to save money by using coupons and only buying things on sale.

  116. Jennifer T. says:

    I learned that the H&R Block Emerald advance Line of Credit loads to a Mastercard so it’s convenient and you can use it as you need it.
    jtmagmom73(at)gmail(dot)com

  117. Crystal Sweet says:

    I plan to save money this holiday season by only shopping during super sales and by always using coupons!

  118. I plan to save money by crafting some of my gifts.

  119. I plan to save money by watching sales, using coupons, and buying things that my children can use to make stuff with. I will be doing a lot of shopping at hobby lobby!

  120. Seyma Shabbir says:

    I save money by shopping early, using coupons and or Military id, AA card. Many stores give extra savings!

  121. I never eat fast food or stop at quik marts!

  122. Sandy Headtke says:

    I will save by making homemade candy for gifts to friends and neighbors

  123. sandy weinstein says:

    i have started making my black fri lists already, making my time schedule and the stores i will visit, i will only buy things that i need, not want

  124. How I will save money this holiday season: Give gifts of experience. Instead of giving an individual gift for each person in my siblings’ families I’m going to buy them a gift they can all use together: Membership to the zoo or movie tickets.

  125. I am going to compare prices at different stores and online too. Also use and buy when coupons are available and sales are going on.

  126. Make a list, use coupons and coupon codes.

  127. I plan on using coupons along with store sales and deals to save big on holiday gifts this year.

  128. Desiree Eaglin says:

    I shop sales!

  129. I learned they have information on health care on their website.I try to save money by planning ahead using coupons and taking advantage of sales when I go shopping

  130. crystal kelley says:

    i learned that you can have your paycheck loaded onto the emerald card all year it just isnt for your taxes

  131. Stephanie Phelps says:

    I plan on saving money by shopping the ads and using coupons when I can!

  132. I plan to save money this year by making a lot of my gifts by hand. Especially the body scrubs, lotions and candles.

  133. Sonya Morris says:

    I shop sales and use coupons.

  134. I learned that there is a “36% Annual Percentage Rate (APR)”.

  135. Liza @ Views From the 'Ville says:

    I plan to save money by keeping an eye on the sales :)

  136. I plan to save money by shopping on sale and using coupons.

  137. amy pugmire says:

    we are braving the crowds and doing black friday this year to save money.

  138. I’m doing some DIY gifts this year that are (of course) Pinterest inspired!

  139. Lisa Brown says:

    i learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund

  140. im always looking for sales!

  141. I will save money by shopping sales and using coupons

  142. We save money by coupon and shopping during sales

  143. I make plans ahead and compare prices before making purchases.

  144. H&R has mobile apps – you can access and prepare your taxes from the web or your iPad for free.

  145. I’m saving money by selling my family’s old clothing, electronics, etc. online so upgrading will be cheaper.

  146. I plan to save money by taking advantage of store sales.

  147. I learned The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000

  148. I plan to save money this holiday season by price comparing and not making any impulse purchases!