Happy Holidays! Still shopping? There’s an online day for that: “Free Shipping Day” is Friday, Dec. 16. Online retailers — 2,000 of them — will offer free shipping with your purchase for addresses within the continental United States. At some of these retailers, you may be able to “stack” the free shipping with other discounts. Find those discounts by following your favorite retailers on Twitter, Facebook or at their websites.
Before you shop, be sure you’re a member of Ebates.com, where you can earn a percentage of your purchase back in the form of a rebate. You’ll receive a $10 gift card following your first purchase through them.
Want to find the best deal online? Bizrate.com is the place to compare prices. Super Freebie: With your Sno-Isle library card (Sno-Isle.org), you have free online access to Consumer Reports Magazine website and the Consumer Reports Electronic Issues information database.
Think Taxes Now – Save Time and Money Later: Though Christmas bells are ringing (and cash registers too) and we’ve 18 things to do, there is money and stress to be saved if we take some time to consider our tax filing situation before the year’s end. Here are some things to think about:
Give to charity: Share in the holiday spirit of giving — or clean out your home of any items you haven’t used all year. This is also a good time to gather your other charitable giving receipts. Are there any other deductions you want to acquire before 2012 begins? Consult your tax preparer or IRS.gov for information. IRS.gov also has a list of reputable charities — check there before you give to an unfamiliar charity.
Consider your withholding allowances and withholding status: Though many of us look forward to a tax refund every year, ask yourself if what you’re getting back could be paid to you throughout the year, instead of loaning it to Uncle Sam interest-free. Wouldn’t that be better? Evaluate your W-4 and see if any changes can be made.
Get Organized: Make it a resolution! Designate one set of files to organize all of your financial/home data. Start collecting those pieces of information that you’ll need at tax time. Being organized can save you lots of time and money. This includes receipts for appliances/valuable equipment, warranties/instructions, credit card statements, etc.
“Take Winter by Storm”: As a life-long Washingtonian, I can tell you that the worst winter has in store for us is still ahead. Take action now to be prepared to take care of yourself and your family for at least 3 days. If you’re new to the area, use the holiday season as a time to get to know your neighbors. Network and prepare emergency supplies together. Find out who has the four-wheel drive, the chainsaw, and medical training before you need it. TakeWinterByStorm.org has useful checklists for home preparation, emergency kits, and emergency contact cards. Most importantly, complete the steps listed on the Winter Weather Family Plan. Kids can learn about emergencies with the fun games and resources. Pet preparation ideas are also featured.
Amy Hannold is a money-saving mentor, coordinator of the North Whidbey Coupon Club, the proud wife of a retired Navy Chief and a busy mom. Her columns appear the second Friday of each month. Send your questions to Hannold via email at ahannold@comcast.net.
