Free Gas From Mobil!

New Exxon Speedpass customers in FL, LA, MA, NC, NJ, RI and SC will receive a $20 ExxonMobil Cash Card (or a $20 ExxonMobil Credit Card statement credit if Speedpass is linked to an ExxonMobil Credit Card) for activating a new Speedpass account. To qualify for one of these great offers, just enroll and activate online by December 31, 2009!  See site for full details…

I just enrolled, and I can’t wait to get my $20 gas card!

I told Husband I was going to make up for that salary cut.  This helps!

Win a Free $5 Chevrom Gas Card

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Just click here, register and take their trivia test.

If gas prices hold steady you’ll get about two and a half gallons of free gas.

I love freebies!

Deal of the Day November 10, 2008

In a rare coupon offering, Macy’s knocks $10 off purchases of $75 or more via coupon code RE889WX745. Save on apparel, shoes, and accessories for the whole family, as well as items for the home. Exclusions include cosmetics, Coach, Dooney, and other name brands. Expires 11/30/2008.

Check back tomorrow for another great deal!

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Financial Instability Aftershocks Affect Your Credit, Too

In the wake of the ridiculous goings on in the financial world you could see some aftershocks right there on your credit card statement.

Credit card companies are tightening their belts, and reining us in, too.  Doesn’t matter how long you’ve been with them, how good your credit is, how many payments you’ve made on time.  According to the Wall Street Journal they are starting to reduce credit limits across the board.

If you’re like me you’ve seen a credit limit of $3,000 balloon to a limit of $25,000.  I’ve never paid much attention, as my strategy of paying of my balance each month has meant that I don’t pay a whole lot of attention to my limits and interest rates.

Many people are seeing their credit limits slashed with little notice, and those like me who are not diligent about checking those parts of their statement may find themselves dangerously close to their credit limit, and dangerously close to those over-the-limit fees.   When’s the last time you looked at your credit limits?  That would be a very, very nasty surprise, wouldn’t it?

Not only that, because your buying power is reduced your debt to income ratio goes up.   According to CNNThe debt-to-limit ratio is calculated by dividing what consumers spend each month by their credit limit, and it’s a key component of credit scores. If your limit drops to $1,000 from $2,000 and you continue spending $500 a month, your debt-to-limit ratio immediately jumps from a favorable 25% to an unfavorable 50%.” That means it’s harder to buy that car or that house, making your life less comfortable and making it harder for our economy as a whole to recover.

This just keeps getting better and better, doesn’t it?

What can you do?  The Wall Street Journal article had some great suggestions:

1.  Reduce your outstanding debt. Bigger balances make consumers prime targets for credit-card companies looking to reduce credit lines, since the banks worry that you may not be able to pay your tab.

2. Watch the mail. When credit-card issuers lower credit limits, they must notify you. Typically, that will be done by mail (unless you’ve agreed to online-only notification). You should also review your monthly statement for changes, including a lower credit limit, interest-rate spikes and new penalties.

3 Check your report. Credit-card issuers review consumers’ credit reports for red flags, like late payments to other credit cards, a sudden buildup of debt or high credit-utilization rates. Check your credit report for free online at AnnualCreditReport.com. If it includes any errors, report them to the three major credit bureaus, Equifax, Experian and TransUnion.

4 Get online alerts. Ask your credit-card issuers if they offer online alerts that notify cardholders when they’re nearing their limit.

5 Shop around. If your credit limit gets slashed, don’t cancel your credit card. That will decrease your credit score. Instead, shop around for more attractive credit-card offers.

I’m going to add a few of my own:

6.  Check your account online at least twice a week. This  way you can have the latest updates, keep track of your balances and limits and catch errors early.

7.  Curb spending. Stay home, don’t shop.  Just buy what you absolutely need to so you have less to pay back.

8.  Pray. Whether you believe in a Higher Being, the power of positive thinking or your faith is in humanity, put your positive energy out there and pray.

Deal of the Day September 24, 2008

Have you ever visited Solutions?  They’ve got some really cool stuff, perfect for that hard to buy person.

Right now you can save 20% on any one item. Apply coupon code SEP20 at checkout.

Two of the coolest things I found there:

Check out the Edge Brownie Pan. It’s made with specially patented interior sidewalls that gives two toasty edges for every serving. I personally like gooey edges, but I know many people who would love this!

For all the frugalistas out there who want to line dry their clothes but don’t want ugly and unsafe clotheslines in their yards, this clothesline retracts!  Very cool!

They are pricey, but if you had t o shop for MY Dad you’d be happy to find anything at all!

Offer ends 09/25/2008.

Check back tomorrow for another great deal!

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Deal of the Day September 23, 2008

I don’t know anyone who admits that they shop there, but I’m sure there are some nice things or t hey wouldn’t be in business so long, right?

HSN, the original home shopping that started it all ( cheer, or jeer?), knocks 15% off any one item purchased with coupon code C70016. Look for the the best deal you kind find among their jewelry, fashion, beauty, kitchen, electronics, home decor, and more, then apply your coupon at checkout. Excluded items include Today’s Special, “This Day Only”, Clearance, and more. See site for details. Coupon is only valid once per customer, maximum discount limited to $50. Expires 10/07/2008.

Check back tomorrow for another great deal!

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Deal of the Day September 9, 2008

Can you tell I have an itch to shop?

Save $15 on purchases of $100 or more from Macy’s via coupon code XM0361J1WXT1. Shop for apparel, accessories, items for the home, and more. Some exclusions may apply. Expires 10/05/2008.

Check back tomorrow for another great deal!

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Costco American Express Card Holders Can Get More Rebate Cash Back!

We got a lovely little piece of mail the other day that’s going to put money in my pocket, and money in yours if you took my advice and signed up for the TrueEarnings card from Costco and American Express.

Enroll in the program and spend $1,000 on non-Costco purchases and you will get an additional 1% cash back on every eligible purchase (up to $200 extra!) between September 1 and October 31st!

That means I’ll be getting 4% cash back on gas, 3% on travel and 2% for every other non-Costco purchase.

And you know what else? I don’t have to wait for my rebate check to receive the extra cash back. It comes as a statement credit to my account 6-8 weeks after the promotion ends.

You have to be invited to participate. If you’re worried that you may have mistakenly tossed your invitation go to http://www.americanexpress.com/costco1000 and you can enter your login and password to see if you’re invited.

There’s lots of fine print, so check that out, of course.

It’s a great deal for me. I hope you can take advantage, too!

Deal of the Day August 27, 2008

If you’re local to South Florida and don’t already have a Sunpass, now is the time to get one.

I used to hardly ever use mine.  I’d always take the non-toll roads to save money.  But now with the price of gas hovering around $4 it makes sense to take the quickest route…

For a limited time if you buy a Sunpass transponder for $4.99 you get $4.99 in tolls loaded onto it.  So it’s kinda free.  Plus you’ll save 25 cents on all your tolls.

What are you waiting for?

Check back tomorrow for another great deal!

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Easy To Use Tips To Get Better Gas Mileage

Fellow Blogger Kyle from Rather-Be-Shopping.com Blog has asked to do a monthly guest post here, and since I’ve used his site several times to save myself some money I thought we’d give it a try. Let me know what you think!
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Easy To Use Tips To Get Better Gas Mileage
I was reading through the archives when I found a terrific post Be This Way did back in March, titled, Change Some Habits, Save Some Gas. And Some Money. It really made me think of how the price of gas has changed the way I think about driving. I no longer take the scenic route and instead opt for the one that will use the least amount of gas. It is actually kind of sad to me. I have fond memories of my Grandmother telling stories of when she was a young mother and how they would take a scenic drive through the countryside on a lazy Sunday afternoon after church. Those days are gone, and if you drive a big ol’ truck like me, you have a 2 ton paper weight sitting in the garage.
But it is not all gloom and doom from this eternal optimist. I have come up with a handy little checklist that will insure you are getting the best bang for your buck at the pump in terms of better gas mileage. Drumroll, please…
~ Properly Inflate The Tires. This isn’t just about under-inflated tires, if you put to much air in them you will lower your gas mileage as well. Follow the prescribed PSI that is on the side of your tire.
~ Don’t Be Cheap on Car Maintenance – Use quality motor oil, change oil filter regularly, keep air filters clean. Heck, just by keeping your air filter clean and replaced when need be, you can boost your MPG’s by up to 10%. Follow your car’s recommended maintenance schedule! By doing so, not only will you keep your car running efficiently, but it will also add to your engine’s life and your sanity.
~ Listen Up Lead Foot! – Slow down there Speedy Gonzales and avoid those fast accelerations and drive the speed limit. Both of which will help significantly when trying to get the most miles per gallon of gas. Also, coast up to stop signs and stop lights. It always baffles me when people have the pedal to the metal until the loss possible second and then pound the brakes. What a total waste of gas!
~ Use The Cruise ControlBe This Way mentioned this one in her post as well. This is a tried and true way of getting better mileage on the freeway and interstate.
~ Alternative Transportation – This one is by far the most effective. After all, you can’t use petrol when you are not using your car. So stop by your local bus station and pick up a schedule, or ask that colleague who lives close to you if you want to carpool, or ride your bike or walk to the store a couple times a week. The key is to take the initiative and find other ways to get where you need to be.
Please add to my list. Other than only driving to places that are downhill from you, what are you doing to get better gas mileage. Looking forward to your comments!
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About The Author: First of all, I want to thank Be This Way for giving me the opportunity to try a monthly feature on her blog. Very exciting! A little about me, my name is Kyle James, I am married, and my wife and I have 3 young children. I own and operate a website called Rather-Be-Shopping.com which specializes in online coupons for over 500 stores. I also have a blog, where I write about creative ways to save money, and other musings about the adventures and mis-adventures of raising 3 active kids.
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