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In honor of Back to School, Savings.com is giving away $8,000 in gift card prizes over four weeks from top back-to-school shopping destinations including HP, The Children's Place, JCPenney, and Old Navy.
- Tuesday, July 27th at 12:00 AM PT to Monday, August 23rd at 11:59 PM PT.
- During each week of the four-week campaign, eight (8) winners will receive a $250 e-gift card, two from each of the four featured brands: HP, The Children's Place, JCPenney, and Old Navy.
- Users enter each giveaway by heading to the brands' merchant pages on Savings.com and submitting their email address on the form on the pages.
- Users are allowed one entry per giveaway, per week.
- The winners will be chosen through a lottery drawing and notified via the email address they used to enter on the following schedule:
- Week 1: Entries accepted 7/27 - 8/2. Winners emailed 8/3.
- Week 2: Entries accepted 8/3 - 8/9. Winners emailed 8/10.
- Week 3: Entries accepted 8/10 - 8/16. Winners emailed 8/17.
- Week 4: Entries accepted 8/17 - 8/23. Winners emailed 8/24.
- See complete Official Rules for entry instructions, full prize descriptions, restrictions and other important details. Official Rules for each giveaway can be found via a link on the giveaway form
ENTER THE HP GIVEAWAY
This post is sponsored by Sivan Social. All comments and opinions are my own.
School starts in my area in less than two weeks and I have been looking for some great deals to share with my readers. Look no further, I have a great deal for you at Macy's!
Get Up to 50% Off Back to School Gear, Plus Up to an Extra 20% Off Select Sale and Clearance Items
- Coupon Code: BTS
- Sale Dates: 7/22 - 7/25
- Restrictions may apply.
Tommy Hilfiger V-neck Tshirt in Sunshine: This versatile t-shirt is a must-have for your back-to-school wardrobe.
Nicotinamide adenine dinucleotide (NAD) is a naturally occurring coenzyme found in every human cell. Given that the average human body contains over 30 trillion cells, it is an undoubted fact that NAD is essential. It helps to maintain a cell’s DNA integrity, allowing it to reproduce without any defects. NAD is also a key role player in metabolic processes, which convert food into energy. Without sufficient NAD, you can expect to feel exhausted and generally unwell.
However, help is at hand, and NAD treatments are simple yet effective. Here are some health benefits of using NAD therapy:
Immune boosting
People with weak or compromised immune systems are far likelier to get sick with illnesses like COVID-19. This virus is so dangerous as it spreads easily, and an asymptomatic person could make a loved one sick without even knowing it. However, finding a West Palm Beach and Miami NAD IV treatment option in Florida and other states like California, Ohio, Texas, Washington, etc has never been easier, as Drip Hydration is here to help. NAD has several immune-boosting properties that will help vulnerable individuals fight off the coronavirus.
When sourcing onsite or in-home COVID-19 testing, many companies have started offering this service, including Drip Hydration, Global 7 Diagnostics, Color, Event Scan, and Covid Clinic. What sets Drip Hydration apart is its other range of services, including in-home IV treatments for a variety of conditions and ailments, including NAD, stomach flu, body detox, weight loss, and its super immune-boosting drip.
The company’s NAD+ Boost is one of its bestsellers, including NAD and a combination of other vitamins and minerals that promote immune system functionality. Friendly professionals from Drip Hydration will visit your home to administer these treatments while adhering to stringent COVID-19 protocols, meaning you do not need to travel anywhere to receive them or worry about virus transmission.
Improved cognitive functioning
With so much stress surrounding them while trying to work from home, homeschool their children, and maintain some semblance of normal home life, many people have felt burnt out by recent events. This impairs their ability to concentrate, remember, and remain focused on the task at hand.
NAD helps improve cognitive functioning. This coenzyme gets to work in the brain, reducing mental fog, improving memory and mood, increasing concentration span, and ability to get work done without unnecessary distractions. It could even reduce symptoms of depression by boosting neurological functioning.
Weight management
A slowed metabolism can be responsible for weight gain, especially once you reach middle age. The body cannot convert all the food you eat into energy, leaving some of it to transform into fat cells that are hard to shake. NAD can effectively treat weight gain as it supports how quickly cells metabolize food into fuel for the body’s functioning.
However, you should not rely entirely on NAD to solve your weight gain problem. It will only be effective when accompanied by a healthy diet and regular exercise program. If you incorporate NAD into such a weight management system, it will aid you in your weight loss quest.
Improved athletic performance
Many amateur and professional athletes swear by NAD to enhance their performance. It boosts their energy levels by aiding in the production of ATP (adenosine triphosphate), the primary energy source for human cells. ATP is vital for cellular respiration, DNA replication, and muscular performance. Without it, you will feel listless and tired. Athletes need optimal ATP levels to perform at peak levels.
However, improved athletic performance is not the only reason you should consider NAD for its energy-enhancing capabilities. Many people with conditions like chronic fatigue syndrome (CFS) find that NAD helps them maintain better energy levels, allowing them to do the things they love.
Delay or prevent disease onset
Type 2 diabetes typically starts with a body’s inability to convert glucose into energy. The pancreas cannot produce sufficient insulin to manage this essential bodily function. However, with enough NAD in the body, metabolic help is at hand. Therefore, while studies into this matter are ongoing, some experts believe that using NAD could delay or prevent the onset of type 2 diabetes or other metabolic disorders.
The enhanced metabolism of food that NAD assists with could even reduce a person’s chance of developing cholesterol and heart-related diseases. However, more research is required to make this an established fact.
Welcome to our Back To School Guide! We will be featuring innovative products for your back-to-school needs. Be sure to check back often as we will update this list!
This post may contain affiliate links.
Denali Home Collection's Luxury College Blankets
Denali's custom college blankets are the perfect way for students to add flair to their college dorm room. These premium blankets feature MicroPlush fabric and innovative fiber technology to create double the softness and durability. Denali's products are made in America and include a wide range of licensed collegiate sports team designs. Denali customers receive a lifetime warranty on their purchases, so you can get your blanket replaced or repaired for as long as you own it.
Our new Bluetooth wireless headset comes in a variety of animals including Pepper the Penguin, Olive the Owl, and Pippin the Panda.
Key Headset Product Features:
- Child-safe limited to 85db volume limited audio
- Wireless compatible with iOS/Android
- Up to 38 hours total playtime (2 hours charging time)
- Built-in microphone
- Extra line-out jack for music sharing
- Strong, adjustable design for comfort and durability
- Foldable, portable design with carry pouch included
- 100% recyclable packaging with zero plastic
Planet Buddies headsets and tablet cushions are currently available at Amazon. Headsets come in a variety of animals and start at $19.99. The tablet cushion is available in a variety of animals for $19.99.
And the BT Headset is available in Pink Owl or Black Penguin and can be purchased for $34.99.
EZ Safer Surface is exactly what you need for those pesky germs your kids may bring home from school.
The cleaning solution demonstrates a 99.9% kill rate in under two minutes, with no regrowth after 24 hours. This versatile solution is safe to use on food surfaces, electronics, and even porous surfaces. This would be the perfect solution for parents, students, and teachers as they get ready to head back to school and classroom learning.
Ageless Global recently released an efficacy study on its EZ Safer Surface and it is classified as a non-toxic, EPA-registered, and allergen-free oxygenated water solution that has been clinically tested specifically against the coronavirus pathogen.
You may find the product available here: https://www.ezsafersurface.com/
Sharing a bathroom in your first dorm can be a big adjustment for students. OCM's shower bundle is the perfect solution for shared bathrooms. The bundle includes a caddy to tote your toiletries to and from the bathroom, shower shoes to protect your feet, and a 6-piece washcloth set so you always have fresh towels on hand.
Get back to basics this year with the Ultimate Back-to-School Combo Label Pack from Mabel's Labels! This classic set includes all the durable, waterproof labels needed to keep your child's things out of the lost and found. With new, on-trend designs for children of all ages, Mabel's Labels make it simple to identify belongings… from backpacks and lunchboxes to clothing, school supplies and more! https://mabelslabels.com/
MyWish4U Notes From Me!
Pack your child's lunch with love... and include Lunch Notes from MyWish4U, which give your school-aged child reminders of love, thoughtfulness, and support during their school day. Starting this sweet tradition is easy - simply tear off and slip a note into your kid’s lunchbox, container, or backpack! With positive notes, riddles, facts, jokes, and more, your child will be thrilled to find Lunch Box Notes each day.
Handzies Soap + Water Wipes
Get a 'soap and water clean' anytime, anywhere! Individually packaged and perfect for on-the-go, Handzies Soap + Water Wipes give you fresh, clean hands using only natural castile soap, water and essential oils. Say goodbye to harsh hand sanitizers, Handzies do not contain alcohol, BZK, triclosan, artificial perfumes or dyes. Gentle for use by the entire family! Ideal for keeping in backpacks, lunchboxes or desks.
Starling Skincare All-Natural Kid’s Deodorants
Perfect for summer fun, back-to-school sports and more, allergen-free and chemical-free children's deodorants from Starling Skincare keep children smelling fresh all day! Gentle enough for tweens and teens, each deodorant is made without aluminum or synthetic fragrances, so it is safe to use and non-irritating for kids. Three varieties are available, including Force Field, Birthday Cake and Birthday Cake Sensitive.
Without a Trace Foods
Healthy, allergy-friendly snacks to pack in your kid's backpack or lunchbox that is free from the top 8 allergens! Developed by a mom whose children have severe food allergies, Without a Trace offers a mouthwatering variety of plant-based, gluten-free Chewy Granola Bars, Power Bites, and Cookies. Perfect for tucking in lunchboxes or as a grab-n-go snack for everyone in the family. Their Rad Raspberry Power Bites & Strawberry Surprise Chewy Granola Bars are truly phenomenal.
Alkaline water is all the rage, and TEN makes a great product because they are the premium, 10ph alkaline water brand and are now available in cans. Works great for the home office, gym, at school on the go, and of course for gatherings this Summer!
- TEN Spring Water is 10ph and the #3 alkaline brand in the country
- 10pH water, rich in alkaline minerals and electrolytes
- Sourced from natural springs (Appalachian Mountains)
- TEN is also available in bottles (multi-packs) and jugs
- Endorsed by major athletes, teams, and celebrities
- In major US retail grocers, Amazon and coming soon to Whole Foods
I Miss Your Face Box - the Perfect Care Package!
Do you really miss the college student in your life? Let them know with this amazing gift package, which includes one 4 oz Good JuJu Body Oil, one 4 oz Good JuJu Hand Rescue, and one 7-pack of Good JuJu mini bath bombs (which all feature a refreshing Satsuma & Mandarin scent), as well as delectable Good JuJu Chocolate Covered Jubes. This gift set also includes wonderful sour cream & onion Chip Rescue seasoning (just add yogurt, sour cream, or cream cheese — great for dorm parties!), as well as 8 bags of Peppermint Tea to help the college student relax and have a cozy night after studying. This gift set retails for $79.99.
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Let's talk about money. What have you done to effectively manage your money in 2021? I know a lot of people took a huge hit financially in 2020. Many lost their jobs along with their savings. My guess is that if you had a 401k, you probably had to withdraw all your money just to be able to make it. Credit cards have been maxed out. If 2020 taught us one thing, it was how to make the most of every last dollar we had.
Here we are in 2021 and things are looking a bit better in the financial world. Many have returned to work. Many American families qualified for stimulus payments. Starting mid-July 2021, you can opt to receive your child tax credit for the tax year 2021 as a monthly payment of up to $300 for each qualifying child.
What have you done with the extra monies you have received or will receive this year? Are you going to spend it on a luxury item, pay off your debts, or save it? I am not a financial adviser but I will tell you to save your money if at all possible. If you are not able to save you need to pay off your debts. Start with the debts that are charging you the most interest first. If you are unable to pay off all of your debts, maybe you should consider debt consolidation.
Instead of ignoring your debts and your credit score dropping, debt consolidation can be a good thing. While you may take a hit on your credit score now, paying off your debts will help you in the future. Five years down the financial road you may want to buy a car. If you have not paid off your debts, you are going to be stuck paying a higher interest rate on your car loan. The difference in each percentage point over a 60-month car loan can cost you or save you money. I have always been a saver.
And, if your credit is not good, don't think about buying a house or even refinancing your current mortgage at a low-interest rate. So, you will be stuck renting or stuck with the same interest rate on your current mortgage.
Here are some money tips I have used during good times and bad. Make sure you are having the correct amount of taxes taken out of your paycheck. Many people tell me, "I want a big income tax refund!" No, if you are paying in too much in taxes, have your income tax withholding adjusted. Use that "extra" money to pay off your debts or even better, SAVE IT. On the same note, if you owe income taxes at the end of the year, you should adjust accordingly. That is, have more taxes taken out of your check. You will need to fill out a new W4 at your job. Talk to human resources at your job to fill out a new form.
Another tip I have is to pay your monthly utilities on time each month and avoid those late charges. If the late fee is $15 on your $150 water and gas bill, over a period of 12 months, that adds up to $180, which is enough to pay for an entire month of your water and gas bill.
No matter where you are financially, there is always room for improvement. Let me know in the comments what you are doing to effectively manage your money in 2021.
IIAB's an all-natural wrinkle-releaser spray for clothing and home, with an eco-friendly, BPA-free, cruelty-free, Made in America breakthrough formula. It's been featured as one of Oprah's Favorite Things and on Good Morning America, and makes the perfect tool to keep summer wardrobes wrinkle-free without the drudgery of tedious ironing (talk about a great #lifehack)!
Buying a house can be daunting. And in today's market, it is even more daunting. I am going to give you some tips to consider if you are a first-time homebuyer.
Start Saving Now
There are many aspects to buying a home that requires money! Closing costs, down payments, and even moving costs. Make sure to save money now so when you get that final step and are ready to close on your home, you have the funds to do so.
Check Government Programs
Do you qualify for a VA(Veterans Administration) loan? You must be in or have been in the military and have been honorably discharged. Make sure you have a copy of your DD214s. If you do not, contact the nearest Veterans Administration office in your area. What about an FHA Loan? There are many government programs to assist you in buying a home. Each has different sets of criteria you must meet, so be sure to check those out. They can be very helpful when buying a home and often have grants or low or no down payments. Also, many states have different programs that help first-time homebuyers.
How Much Can You Afford?
We all have the dream home, but we have to be sensible about buying a home. Your creditworthiness, monthly expenses, downpayment and will all be taken into consideration before any lender will give you a home loan.
According to this mortgage calculator, my mortgage will vary depending on which lender I use. If I am buying a house for $325,000 and put a down payment of 20% ($65,000), and choose a 30 year fixed rate, my mortgage payments would range from a low of $1045 a month to a high of $1243. You must do your due diligence and shop around for a lender and ideally get pre-approved for a home loan.
Stay up to date on Mortgage News
At the time of this post, the housing market is crazy, BUT there are many government-backed incentives to help you procure a home. Whether you follow a certain mortgage company or government-backed one like Fannie Mae, subscribe to their emails, check their site frequently, and don't be afraid to Google any questions you may have.
Look around in your area and go to some open houses. Realtors often advertise open houses or may just put a sign out in front of the property. This helps you get familiar with the home buying process.
Do you have any tips you would like to share? Drop them in the comments below.
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