2 Free Slices of Cheesecake with $25 Cheesecake Factory Gift Card

 Click here to get a great deal to get 2 Free Slices of Cheesecake with $25 Cheesecake Factory Gift Card.

For every $25 in Gift Cards (including either physical gift cards or electronic gift cards) purchased online (from thecheesecakefactory.com) in a single transaction during the Promotion Period (hereafter defined), the purchaser will receive two Slice of Joy Cards (each a “Slice of Joy Card”).  Each Slice of Joy Card will be an electronic card.  “Promotion Period” means 12/18/2020 at 3:01 AM ET / 12:01 AM PT to 12/26/2020 at 3:00 AM ET / 12:00 AM PT.

 

SLICE OF JOY CARDS EXPIRE MARCH 31, 2021. Each Slice of Joy Card may be redeemed on a future visit to a The Cheesecake Factory restaurant from 01/01/2021 - 3/31/2021 for one complimentary slice of either cheesecake or layer cake.

Hulu for $1.99/month for 12 months

Hulu for $1.99 a month for 1 year.  Need to be a new customer (email)

Free National Park Pass for 4th & 5th Graders

 If you have a 4th Grader now, check out this deal on a free National Park pass.  There are lots of incredible places to see & explore with this free pass.

We did this when my son was a 4th grader & it was really easy & saved us some money.

Many 4th graders missed out on using their Every Kid Outdoors Annual 4th Grade Pass during the 2019-2020 school year. A new voucher is now available for 5th grade students for the rest of the school year!  Click here to sign up for 5th graders

With this voucher, 5th graders and their families will have free access to national parks and other federal lands managed by the Department of the Interior from October 28, 2020 through August 31, 2021.

Creating a Legacy/Family Binder

What Should be in Your Legacy Binder

Your Last Will and Testament

Normally, you will have one copy at home, and another on file with your attorney. The binder should indicate where in the home it’s located, and who the attorney is, complete with contact information.

Health-Care

Personal and family medical history, Durable health-care power of attorney, Authorization to release health-care information, living will, do-not-resuscitate order.

Other Important Legal Documents

Any trust documents. Other documents might include a copy of any divorce decrees, legal agreements, or property deeds. It should probably also indicate the location of documents pertaining to bankruptcy or lawsuits, even if they were settled long ago.

Insurance Policies

Life insurance policies. Include all life insurance policies you have, no matter how small.

The binder should also indicate the location of other insurance policies, such as auto, health, homeowner’s and even business policies.

Bank and Credit Card Information

This should include a list of both bank accounts and credit cards. You should list the institution, the location, contact information, and of course account numbers. Then add the location of where the most recent documents are stored. Safe-deposit box information.

Investment Account Information

You should provide a list of any active accounts, as well as contact information and account numbers.

The list should include taxable investment accounts, mutual funds, stock or bond certificates held, retirement accounts, IRA’s, 401k accounts, pension documents, annuity contracts.

Benefits Information

You should include information related to your employer, any benefits they offer, as well as contact information. This can be especially important in regard to pension plans, since there may be spousal beneficiary provisions.

If you’re already collecting retirement benefits, including Social Security, include any recent information, including award letters and/or recent 1099s for tax purposes.

Income Tax Returns

You probably have a storage drawer where you keep copies of recent tax returns. Or maybe you have digital storage media. Your binder should indicate where this drawer or media is located.

Home Related Information

Include the location of the deeds to any property that you own, as well as any mortgage documents related to those properties. It would also help to periodically update mortgage account statuses, to reflect the most recent balances. Again, include the name of the lenders, contact information, and account numbers.

Add utility information. This can include providers, contact information, and account numbers for companies providing electricity, gas, cable, water and sewer, and trash. If you live in a homeowner’s association neighborhood, include contact information for the HOA board, as well as the amount of the monthly, quarterly or annual HOA dues. Include any automatic payments & what accounts they come out from & when.

If you have a lawn care or snow removal service, contact information should also be provided, as well as the basic fee structure and agreed-upon service levels.

Usernames and Passwords

You should provide a list–updated regularly–of the usernames and passwords for any accounts you have.

Include the credentials for any online services you use. That can include bank accounts, investment accounts, loan accounts, utilities, benefit plans, or even informational services.

Make a list of all services you use that require usernames and passwords, over at least a 90-day period. That will probably enable you to produce a complete list. But plan to update the list at least once a year, or anytime you change credentials in the meantime.

List of Locations of Personal Affects and Instructions

You probably have certain important and/or valuable mementos. This can include jewelry, photos, personal correspondence, or valuable personal items. Your list should indicate where these are located, why they’re important, and if they have any significant monetary value.

You can use this list as a kind of catchall for any important information that isn’t disclosed in the categories above. Think about what you have that’s important, but not entirely official. If it’s important to you, it could be important to your loved ones after your death.

Source of most of the above - https://www.choosefi.com/why-you-need-a-legacy-binder/

Saving Money While Shopping

Local discount shopping
 

Mission Thrift – 351 Hostetler Rd, Orrville; new location in Wooster at Portage & 585. Discount clothes & household items.

Goodwill – Orrville, Wooster, Massillon, Canal Fulton, Jackson (near Jackson HS). Wayne County locations has a ½ price color of the day.   Stark County locations have 1 color tag that is $1.50 each week & one color is ½ price  There is an outlet in Canton where Circuit City used to be.  You pay by the pound.  Bring gloves for digging through totes of stuff.

New Orr Not - clothing consignment 1450 W High St Orrville

Everything Surplus & Clothing Warehouse - 1991 Portage Rd, Wooster. Discounted food, clothes & household items.  The stores are beside each other.

Dollar1 – beside Clothing Warehouse Wooster. A little bit of everything, lots of Amazon returns. You have dig through bins of boxes and misc. Everything in the store is $6 on Fridays, $4 on Saturdays, $3 on Sundays, $2 on Mondays, $1 on Tuesdays, $0.25 on Wednesdays. Closed on Thursdays.

Friendtique - 223 W Liberty St Wooster.  Profits go toward the Hospice of Wayne County. They have clothing and furniture, household goods, etc. Often have estate type things for sale. 

Discount Outlet – Massillon 1070 NE 1^st St, near Lake & 21, Canton 4304 Belden Village St NW.  Discounted food & household items.

Ollie’s – 1831 Portage Rd Wooster, 1430 N Main St, N Canton. Mansfield has a bigger store.  Discounted books, food & household items

Tuesday Mornings - Canton & Fairlawn - discount household, super clearance

Gabriel Brothers - Canton & Fairlawn - discount clothes & household

Encore - 4125 Cleveland Ave NW Canton – resale clothes

MCC Connections– located in Kidron, by Central Christian.  Very clean, like a Goodwill.  Typically nicer things, well organized.  I have found some fun Christian movies & books for the kids.  They have a color tag that is $ 0.25 each week.  It changes Friday morning.

Save & Serve - located in Millersburg.  like MCC

Once Upon A Child, Plato's Closet, Clothes Mentor - Consignment stores for kids, teens, & adult.  Often located beside each other.  Thursday Plaza Canton

5 Below - Fairlawn & Belden area.  Everything $5 & under

Dollar Store, Dollar Tree - Canton, Wooster, Orrville, Massillon - everything $1

Village Discount - Akron, Cuyahoga Falls - like a Goodwill only cheaper.  The Akron store has dressing rooms so you can try on clothes.

Salvation Army store - Fairlawn & Canton - like a Goodwill.  Wednesdays are family day & most everything is 50% off.

Yoder Bargain Barn - 7802 Salt Creek Rd, Fredericksburg - discount store

Building 9 - 546 Medina Road, Medina (Fairlawn)- construction, home improvement discount store

Habit for Humanity Restore - 2700 Akron Rd Wooster  Building supplies

Menards – great sales. Earn Menards rebates on purchases.

CVS, Rite Aid, Walgreens – combine sales, coupons,and reward cashback. Keep an eye on expiration dates.

P Graham Dunn - clearance sales usually in May, Aug, & Nov.  Always have outlet section at the back of the store.

Zinck's Fabric Outlet - Rt. 62 outside of Berlin. cheap fabric, notions, clothing and misc. items

Garage Sales, Ebay, Mercari, Craigslist, Facebook Marketplace or buy/sell groups.

For Food:

Aldi - can't beat at other grocery stores their prices on fruits & veggies

Discount Outlet, Everything Surplus, Ollie’s – see above. Often good deals on gluten free snacks.

Nickels Bakery Thrift Store – 21 South of 30 Massillon. Nickels Thrift stores are a great place to get incredible deals on breads, buns, & dinner rolls.  You don’t always know what you will find, but often you can get a loaf of bread for $1.  They also have reward cards that you can get stamped & earn a free item.

Scratch & Dent stores – Country Salvage 9420 Kidron Road, Applecreek, between 250 & 241; Country View Bent & Dent, Kansas Rd, just south of Hackett; Grocery Discount Store on Rt 3 north of Hartzler's Dairy, Bent and Dent Rt. 62 about 2 miles south of The Amish Door complex outside of Wilmot. Often food is out of date, so watch the dates. Most of the time yo u can go a few months past the expiration date.

Bulk Food – East Union (old 30), Shady View Pantry (Zuercher Rd Kidron), Country Hilltop Market 585 & Benner Rd, 3D Meats (Rt 30 by Dutch Kitchen)– reduced prices on deli meat & cheese, nuts, snacks, etc. 

Fruit &  Veggie Stands - Octad on Carr Rd, just north of 30, Raber's on Kidron Rd south of 250.  good prices for fruits & veggies.  Raber's has pick your own flowers reasonable.

Orrville PTO School Card - Discounts on restaurants and stores in the Orrville area.

Phone Apps

SavingStar, Fetch Rewards, Checkout 51, Ibotta – you can add your rewards cards to save money on items or scan receipts to earn cashback.

Restaurants – McDonalds, Old Carolina, Baja West Coast Kitchen, Taco Bell, Dairy Queen, Chipotle, Wendy’s, Panera, Auntie Anne’s, Dunkin’ Donuts, Starbucks– often have coupons, earn rewards, can customize your orders, mobile orders to save time waiting in line.

CVS & Rite Aid – load coupons onto your rewards card.

Shopping – Hobby Lobby, Michael’s, Joann’s, Ollie’s, Target, etc. - often have coupons

GasBuddy – check gas prices

Libby or Overdrive – check out books or audio books with your library card for free.

My Fabulous Deals Facebook page – post deals when I find them.

Online Shopping

Shop on Rakuten (formerly Ebates) – earn cash back on your purchases.

Search store name & word “coupon” or “free shipping” to find coupons.

Check out the store’s website for discounts.

Search on Retail Me Not or Coupon Cabin for discount codes.

Sign up for e-mails to get discounts e-mailed to you. (can be annoying. You can always unsubscribe if getting too many messages.)

“Like” the page on Facebook to see sales

Groupon or Living Social – to find discounts on activities

For photos, photo books, photo gifts, Shutterfly or Snapfish – search for discounts, get the apps, buy coupons on eBay.

Family Binder/Legacy Drawer

Family Binder

I encourage everyone to have a family binder or folder with important documents and information.

Here's one idea.  I would suggest adding passwords & dates and accounts for automatic payments.

Whether you are single or married, with kids or without, young or old everyone should have some basic information written down in a safe, but accessible place.  If something would happen to you, would anyone know the information to help you in the hospital or take care of final decisions?  It's not something anyone wants to think about, but it's inevitable that everyone will pass away unless Christ returns first.  Why not make this hard time a little easier for your family/friends.

I have attached 2 suggestions below for ideas to get you started.

We have folders with our insurance, wills, POAs, important papers, etc locked up.  We also have all account numbers, log ins, written down for both of us.  I have a list of auto payment - when & what account they come out of.

I also just learned you can set a Legacy Contact in your Facebook account.  Then if you pass away & Facebook memorializes your account, the person you designation can still access your account.  Go to settings, account settings, general, manage account, & set your Legacy Contact.

I encourage everyone do this & tell someone they trust where the info is located.


Family Binder
Here's a link to some printable forms.


Dave Ramsey Legacy Drawer

We recommend that your Legacy Drawer contain 11 things. Although it may seem daunting to gather all of this material together, you will be happy you did once the Legacy Drawer is created.

1. Cover Letter – This is simply a letter stating the purpose of the Legacy Drawer. Nothing fancy, just a way to introduce your loved ones to the contents of the drawer.
    
2. Will and Estate Plans – All information pertaining to your will and estate, including names of the executor and Power of Attorney should be located in one file.
    
3. Financial Account – Anything that has money in it and your name on it should be listed in the Legacy Drawer. This includes account names, amount and account numbers.
    
4. Funeral Instructions – All details and specifications for funeral plans should be listed so the family can fulfill your wishes. If you are married, you need one for you and one for your spouse.
    
5. Insurance Policies – All insurance information, including health, car, disability, term life, etc., should be combined into one single document for easy reference. List the type of insurance, who the policy is for, contact information and policy numbers.
    
6. Important Documents – Any legal or other important documents you have should be noted in the file. This includes deeds, birth certificates, Social Security cards and titles.
    
7. Legacy Letters – Since the intention behind the Legacy Drawer is to keep your legacy going after you've passed away, it's a great idea to include letters to your loved ones.
    
8. Monthly Budget – Add a copy of your written budget, so your spouse or loved ones know how to operate your household once you're gone. This will help your family keep track of bills and focus on more important things.
    
9. Tax Returns – Keeping tax returns in your Legacy Drawer is like an insurance policy for yourself in the event that you get audited from the IRS. Hopefully you never have to pull them out, but if you do, at least you are prepared.
    
10. Safe Deposit Box – Keep copies of all your Legacy Drawer papers in a safe deposit box—you can never be too careful. Include information in your Legacy Drawer on where your safe deposit box is and who has access to it.
     
11. Passwords – Write down all passwords, combinations, usernames and PIN numbers. This information allows your loved ones access to any documents, money or information that is left when you are gone.

If you put your mind to it, you can create your Legacy Drawer in 30 days! It's tedious to gather all of the documents and paperwork that goes into the drawer, but it's a necessary task in order to protect you and your family.

Money Saving Household Tips

Make your own Foaming Soap

I love my foaming soap dispensers.  I have 5 for hand soap, 1 for kids soap, 1 for kids shampoo, & 1 for dish soap.  I use old foaming soap dispensers, fill about 1 inch with soap, & slowly fill the rest with water.  I turn upside down & back slowly to mix it.  Don't shake it or it will get too foamy.  Saves money in the amount of soap you use.  I really like the dish soap one.  It makes cleaning just a dish or 2 very easy. 

Using all the product in tubes

I learned this cool trick at church to get the last of your cosmetics/lotions out of the tube.  Cut off the top of the tube.  Then you can reach into the product.  Slide the top back over the bottom to keep it from drying out.