FrugalWorld

A collection of freebies, sweeps, coupons, frugal tips and more… updated daily with resources to save you time and money.

Welcome!

Here you'll find hundreds of money saving tips in a variety of areas. To find information to help you lead a more frugal life, browse through one of our categories along the left-hand side of the page, or look below for the most recent additions to the site. If you're looking for something specific, try our search box (to the right). If you have a tip you'd like to share, we'd love to hear from you!

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Trending Articles

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20 Frugal Resolutions for the New Year
Frugal Valentine Ideas For Any Day!
Organic vs. Non-Organic Produce: When to Buy Each
Winterize: Save Money This Winter
Coupons 101: Intro to Couponing
Get Paid To Search With Qmee

News: Easy Ways to Save a Bundle on Your Next Home

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Do you see yourself with a yard and a white picket fence — or a fancy front door and a fireplace? If so, you’re not alone. One in four Americans (about 59 million) are considering buying a home this year, according to a new Bankrate.com report, and older millennials, Gen Xers, and minorities are leading the charge.

Before you put your name on that mailbox, there are a few important things to consider first.

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News: Retirees, Maximize Your Income From Dividends

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Dividend investing is supposed to be a bit like watching grass grow: steady progress, few surprises. But lately, investors holding dividend-paying stocks have suffered some jarring setbacks.

Higher-yielding sectors such as utilities and real estate investment trusts saw valuations soar through much of 2016, then suffered sharp pullbacks later in the year. Analysts see more pain ahead for high-dividend-yielding stocks as interest rates start to rise, diverting income-focused investors from stocks into bonds. A stretch of stagnant earnings growth, meanwhile, put the brakes on the double-digit dividend growth that investors have grown accustomed to since the financial crisis. Standard & Poor’s 500-stock index dividends climbed just 5% in 2016.

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News: Shopping for a New Credit Card? Make Sure You Follow These Tips

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Loyalty is generally considered a good thing, but in the credit card world, that quality could be costing you potential rewards. About 32 million U.S. credit cardholders haven’t changed their preferred credit card in 10 years or more, and another 21 million have never switched, according to a new CreditCards.com report.

There are two major camps when it comes to credit card usage — people who haven’t changed their favorite card in a long time and those who recently signed up for a new one. If you’re in the former group, it might be time to consider seeing what else is on the market. Cards are offering signup bonuses, cash back and travel rewards, and a sign-up bonus menu that is “pretty darn strong,” says Matt Schulz, credit card analyst for CreditCards.com.

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News: What a Fed rate hike means for you

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One rate hike won’t change the world but higher rates affect millions of Americans. If you have a credit card or savings account, want to buy a home or a car, and invest in stocks or bonds, pay attention.

The Fed put rates at zero in December 2008 to resuscitate the collapsed housing market during the Great Recession. America is no longer in crisis mode today, and the economy can bear to pay higher rates for financing. A rate hike is a sign that the U.S. economy is improving.

Here’s how the Fed’s rate hikes could affect you.

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News: How to Make the Most of a Health Savings Account

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Health savings accounts are already a great way for people with high-deductible health insurance policies to build up a tax-free stash of money for medical expenses. Your contributions are tax-deductible (or pre-tax if made through your employer), the money grows tax-deferred, and you can use it tax-free for eligible medical expenses in any year—even far into the future. Unlike flexible spending accounts, HSAs have no use-it-or-lose it requirement.

Under the current rules, you can use HSA money tax-free for out-of-pocket medical expenses, including your deductible, co-payments, prescription drugs and other medical costs that aren’t covered by your insurance, such as vision and dental care. You can also use HSA money to pay for a portion of long-term-care insurance premiums, based on your age (up to $410 in 2017 if you’re age 40 or younger; $770 if 41 to 50; $1,530 if 51 to 60; $4,090 if 61 to 70; and $5,110 if 71 or older). You can’t contribute to an HSA after you sign up for Medicare, but you can continue to use the money that was already in the account for out-of-pocket medical expenses, as well as for Medicare Part B, Part D and Medicare Advantage premiums.

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Today’s Amazon Deals of the Day: Specials on PCs & Accessories, Men’s Suits, String Trimmers

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Today’s Deals of the Day include (click link to visit Deals of the Day page):

– Up to 30% off select gaming PCs, components, and accessories
– Up to 70% Off Men’s Suiting & More
– Save 25% on BLACK+DECKER’s 20V High Performance String Trimmer

Deals of the Day

Free Italian Ice at Rita’s (3/20/17)

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Freebie: Celebrate the first day of spring with free Italian ice at Rita’s stores across the country. This is available 3/20 from 12-9. One per person. See the link below for the Rita’s location closest to you.

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Free Cone Day at DQ (3/20/17)

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Freebie: #FreeConeDay Free Cone Day Monday, March 20, 2017. Free small vanilla cone at participating, non-mall U.S. only locations. All day, limit one per person.

Scroll down to the bottom of the page (link below) to see this promotion.

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