Category Archives: All

Keep An Eye On Your Bills And Reduce Them Now

I’ve noticed that a lot of people are complacent with their bills. They may just be comfortable dealing with the same company. If anything, they’ll complain that they are going up. And, that’s if they even notice the increases or any extra charges. I was one of those people, for a long time.

Now, every few months or so, I go through all of my accounts to see how much I’m paying. Depending on the bill, I may contact them to see if there’s anything that can be done to decrease it. When I first started doing this, I contacted every company I owed money to. It doesn’t hurt to ask. For some, the answer was no and I would kindly move on. In other cases changes could be made, discounts applied, and even credits were given. Make sure to keep notes so you keep track of what was able to be done.

It’s definitely worth the extra time spent doing this. After a while, you have an idea which bills won’t budge versus which ones can be worked on. For example, I had massively horrible phone service for a few years. They refused to admit they had no coverage in my area, and I was stuck in a contract. So I would often call complaining about this, requesting credits. I got them most of the time.

Another thing I’ve seen a trend with, is that people have a habit of subscribing to multiple things that add up really quickly. This happens a lot when people cancel their cable service. They will often start ordering different streaming services that end up costing more than the cable did.


As always, I hope this helps. I’m not an expert, and I’m not rich. I’m just obsessed with saving money and sharing with others. Please let me know if you have any tips as well. I love hearing from everyone.


Coin Auctions As Of 11/28/20

Since my last update, we have sold a few and added some more coin auctions on eBay. Also, you may notice that Sean has changed the store name. I have some information below, along with links to each. If you’re interested, please check them out. Feel free to share as well. If you are looking for something in particular, please let us know. We are looking to sell the majority of our collection.


eBay Coin Auctions – azzkikncoins

All auctions include a Free surprise coin and Free USPS shipping (USA). Additional photos and details may be found on the actual eBay listing pages.

1953 D Lincoln Wheat Cent

Pair
AU Condition
Rpm

1955 P Lincoln Wheat Cent

Unique Die Clash Reverse
Very rare coin
Key date
High grade potential

1955 P Lincoln Wheat Cent

Lot Of 8
Doubling
Clash

1955 S Lincoln Wheat Cent

High Grade
Red Beauty

1958 P Lincoln Wheat Cent

AU Beauty
Key Date

1966 P Lincoln Memorial Cent

Rare AU
Mad Clash
Doubled Die

1971 D Lincoln Memorial Cent

Doubled Die Rpm
006 North Error

1982 D Lincoln Memorial Cent

Small Date
Doubled Die Reverse

1982 P Lincoln Memorial Cent

Silver Toned
Doubled Die
2.7 gr

1983 P Lincoln Memorial Cent

FS-101
Doubled Die Reverse
Doubled Die Liberty Obverse

1984 P Lincoln Memorial Cent

Doubled Die Red
Railroad Rim

1986 P Lincoln Memorial Cent Penny

2.2gr
Wrong Planchet Error

1993 P Lincoln Memorial Cent

Unique Die Clash
Doubled Die
Rainbow Tone

1994 P Lincoln Memorial Cent

Satin Doubled Die Reverse

2018 P Lincoln Shield Cent

Doubled Die
Cool VDB Die Error


Free Items From Test Market

I absolutely love Test Market!

Test Market is a third party site that offers Amazon items from vendors that need to increase their audience. They list the items for sale, along with the Amazon link. All you need to do is apply for an item, order it, then submit your order number. Before you even receive it, you will have your refund.

  1. Check the amount remaining
  2. Apply for the item
  3. Click the button to order on Amazon
  4. Return to the Test Market site
  5. Submit your order number
  6. Receive refund
  7. Receive item

There isn’t a huge selection of items, and they go quickly. Make sure you sign up for notifications. I got lucky and was able to get a few items. I ordered a manicure set, exercise ball, Christmas toys, candy jars, and a back scrubber.

Try out Test Market with my referral link, and I will get $1. Thanks!


Mama Nora And Her Babies

๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–๐Ÿ๐Ÿ’–

Mama Nora’s babies are three weeks and three days old today.

They have been eating regular food for a bit now, but still need mama’s feedings yet. They have been climbing all over the cage like crazy and rushing the door when you open it. They’re so hilarious to watch. Here’s a clip of her from yesterday. She was picking up her babies and putting them in the hammock.


Cashback With Ibotta

I just got another $4 from Ibotta!

It was for my purchase of Nature Made Melatonin at Rite Aid. All I had to do was add the offer on the app, then scan my receipt and the item. It really didn’t take long. I’ve already made $43.35 so far with this app. I’ve seen others making a lot of money back, if you do this right.

I have to admit, I wasn’t using Ibotta to it’s full potential. I’ve been a member for years, but wasn’t using it. When I finally started to, I wasn’t paying enough attention or clicking all of the deals. I’m definitely regretting that.

Besides scanning your receipts, you can also get cash back from online shopping and buying gift cards. Gift cards are not just for holidays. You can buy them at a discounted rate to use for your regular shopping.

Now that I’m a lot more active with Ibotta, I’m inviting everyone to join my team for even more savings. You can use my referral link, referral code “n32fq“. When you do, I receive $10. We then work together towards more cash bonuses. Thank you!


Smile, Sparkle, Save!




Credit Basics

A lot of people are really confused when it comes to their credit. They don’t fully understand how it all works. They don’t think it matters that much. They pay all their bills so they don’t worry about it. At some point in your life, you will most likely need to really take a hard look at your credit. There may be things you didn’t realize that may hold you back when you need it most.

A good place to start is by actually checking your credit scores. This gives you an idea of where you are ranked in the financial world. If you haven’t already done this, pull your credit report from a reliable source. You can get your information from Experian, TransUnion, your bank, etc. I use Credit Karma the most. Review every bit of it and if anything is incorrect, you can dispute it. They generally estimate it taking a month to go through the process, but I’ve seen things removed in about a week.

Once you’ve made sure your information is correct, you should keep an eye on it in case things change. I check mine every few weeks, but then I’m obsessed with increasing my credit score at the moment. A lot goes on that you don’t even realize. I’ve seen accounts get removed, then added again later under a different company name. Carefully choose ways to help build your credit, instead of hurting it in error.

I recommend not applying for every card that comes your way. The loans and cards may help at the moment, but you now have additional payments to manage later. If you’re able to, it does help to set up automatic payments. Late payments will only prevent you from catching up, especially if you’re late on more than one bill. It’s also best to keep your charges below a third of your credit. If your balance goes up, try to make an additional payment to bring it back down.

If you are starting out or just don’t have any credit at all, you may feel extremely stuck. It is a very difficult place to be in. I would normally say that Credit Karma recommends cards accordingly, but you won’t be able to access it without any credit. I would look into credit cards that will help you build your credit. You can get some with a security deposit and possibly fees. Also utility bills can be added to boost your credit. Again, be careful so you don’t set yourself back in the process.


I hope this helps. It is just meant as a basic guideline to point you in the right direction. Let me know if you have any tips as well. I love hearing from everyone.


New: National Consumer Panel

I just added National Consumer Panel to the list of apps to scan receipts with. The difference with this one is that you don’t actually scan the receipt. Instead, you scan each item purchased. You then need to enter price and if coupons were used or if it was on sale. There are also surveys to do. I couldn’t find any referral information, but still wanted to share since I just cashed out a $25 Amazon gift card.


New Ebay Coin Auctions

I haven’t talked much about it, but we do still have several coins for sale. I haven’t been listing any on my eBay recently. I felt like it was a waste of time because I rarely sold any. There’s a lot of competition and scammers out there. I really wish there were more local coin shops or collectors in our area. A lot of money, time, and research has been put into our collection. My fiancรฉ has a select few put aside, but he just wants to sell the rest.

Currently, he has 18 coin auctions on eBay. I have some information below, along with links to each. If you’re interested, please check them out. Feel free to share as well. If you are looking for something in particular, please let us know.


Sully’s eBay Coin Auctions – irishim-81

All auctions include a Free surprise coin and Free USPS shipping (USA). Additional photos and details may be found on the actual eBay listing page. All coins are ungraded and fairly priced. Get them graded and resell if you like.

1953 D Lincoln Wheat Cent

Pair AU Condition Rpm

1955 P Lincoln Wheat Cent

Unique Die Clash Reverse
Very rare coin
Key date
High grade potential

1955 P Lincoln Wheat Cent

Lot Of 8
Doubling
Clash

1955 S Lincoln Wheat Cent

High Grade Red Beauty

1958 P Lincoln Wheat Cent

AU Beauty Key Date

1959 P Lincoln Memorial Cent

Proof Like Key Date
Purple Toned Beauty

1971 D Lincoln Memorial Cent

Doubled Die Rpm-006 North Error

1972 P Kennedy Half Dollar

Unique Multi- Error Reverse

1982 D Lincoln Memorial Cent

Small Date
Doubled Die Reverse

1983 P Lincoln Memorial Cent

FS-101
Doubled Die Reverse
Doubled Die Liberty Obverse

1984 P Lincoln Memorial Cent

Vibrant Die Clash

1984 P Lincoln Memorial Cent

Doubled Die Red
Railroad Rim

1986 P Lincoln Memorial Cent Penny

2.2gr
Wrong Planchet Error

1993 P Lincoln Memorial Cent

Unique Die Clash Doubled Die
Rainbow Tone

1994 P Lincoln Memorial Cent

Satin Doubled Die Reverse

2018 P Lincoln Shield Cent

Doubled Die
Cool VDB Die Error

1969 S Lincoln Memorial Cent

Rare Doubled Die Nicely Toned


Pet Rat Babies!

I haven’t written much about it, but our pet rats have been extremely time consuming recently. I think I only mentioned getting them here, then made a few posts on Instagram and Facebook. When we adopted them, Nora and Suzie were 5 weeks and Dollie was 7 weeks old.

A lot has changed since then. Long story short, ‘Suzie’ turned out to be a ‘Malakai’. The rattery offered to swap him out for a girl, but we felt bad about it. Not to mention, we assumed at least Nora or Dollie was already pregnant by that point. So we left them together and prepared to have some rat babies. We did a ton of research so we had an idea of what we were in for. Over time, you could really tell Nora and Dollie were both pregnant. I took pics to show their progression and notated a few things.

One note was that Nora literally looked like she was going to pop. The next morning, she had at least 15 babies. I could only tell that one didn’t survive. We kept an eye on things from afar, without disturbing her. We just wanted to make sure everything was going well. Later that day, Nora was right back on the move. But we had to be careful. She was a bit snippy if you got close to her babies.

A few days later, Dollie had her babies. She took longer to have hers. I’m not sure if she had some trouble, or was just taking a break. At one point, she seemed done and we counted eight babies. Next thing, there was at least 17! We had to wait a few days to actually count them. We couldn’t get anywhere near Dollie’s cage to do anything.

Our final count was 14 of Nora’s and 18 of Dollies. 32 rat babies total! Honestly from what I’ve read, I feel like we were really fortunate. I’ve read some horror stories and much smaller litters too. We have been taking Nora’s out when we can. Since Dollie gets extremely protective, we haven’t been interacting with hers as much. I hope to get some pics of Dollie’s later today.


Nora’s Babies

I took tons of Nora’s babies, but here’s just a few to show how much they’ve changed over the days.

Day 5
Their eyes are closed yet. No more pink, you can see patterns on them now. They’re starting to move around a bit. Oh & their little whiskers are also growing too.

Day 8
Starting to get some peach fuzz. Moving around a lot more. Mama’s letting us get closer to them without getting snippy.

Day 9
Eyes are still closed. Getting velvety soft. Look at those cute feet! They are starting to make little sprints away from the baby pile now too. Nora lets us in more now.

Day 11
So much cuteness! Their fur is growing in. Nora’s totally okay with us touching them. She will just snatch them up & put them back in the nest.


Photo Pages Coming Soon

This is just a head’s up to let you know I went crazy again building new pages for my site. There will be some photo pages coming shortly, once I’m done setting it all up. For now, you may see a few partial pages floating around here and there. I’m undecided how I really want to do the layout.

Please be patient and excuse my mess in the meantime.

Thanks!

Rats, Cars, & More

I had full intentions of making more financial posts, but as usual, I’m all over the place. To be fair, we have had a lot going on recently.

Monday our pet rat Nora gave birth to at least 12 babies. Then Thursday, our other rat Dollie gave birth to about 17 babies. We haven’t been able to properly count yet. It’s been a bit crazy. We will be adopting them out in about six weeks.

I also have been trying to get my car fixed. That has been an ongoing debacle of sorts for nearly this entire year. I think we are finally getting somewhere with that. I’m hoping anyways. I already had to give up on one car this year after dumping a bunch of money into it. It just had too much going on. Now I’m running into a lot of the same issues. At least, this time, I think we are heading in the right direction.

Earlier this week, I made an attempt to focus on other things. I even took a few days off from my normal work tasks. Except, the election has me glued to the all sorts of media. So, I haven’t accomplished anything in the end. Besides, adding some more anxiety that I didn’t need.

I did actually create a few site pages that you will be seeing shortly. I’m constantly moving things and fixing them, then adding more. Sorry about that. This time, I decided to bring back a photos page to display some of my favorites. There will be a lot of old pics, with a few new ones mixed in.

That’s all for now. I really need some ice cream!

Political Judgement Anxiety

I made a post on Facebook today. I rarely do that. It was due to the politically enraged posts I’ve been seeing. I have enough anxiety as it is over who will win the election. I just felt the need to express myself. I actually wrote what I wanted to say about a day or two ago, then never shared it. Luckily it was still in my drafts. Of course I read it again and reworded it. Several times. Panic set in. I hesitated multiple times.

Then finally posted this…

I’m sorry for the long post but I feel the need to say this. It’s regarding the recent flood of political posts.

I see my friends and family members arguing either on their own pages or even on public news ones. Or those that say to unfriend them for this or that. I read and continue scrolling, knowing how that person feels. I don’t delete or comment. I don’t normally discuss politics anyways, but it’s to the point that I’ve been worried to even hint who I voted for. I’m afraid I will be judged and will lose some people that I truly consider friends.

That’s sad. It’s sad I’m worried about that, but it’s also sad that some of you would actually delete me just for that reason. I just know how strongly some of you feel and how savage you’ve been. I also know the friendships I’ve had with some of you that I’d hate to lose.

Honestly, I don’t unfriend for different views or ways of life. I do not judge anyone based on age, race, diet preference, religion, gender, music choice, sexual preference, profession, friend affiliation, political party, or what color narwhal you choose to be for the day.

I care that you are a decent human being. That’s it. That’s all. Be good to yourself and others.

Sorry again for the long post. Thanks for reading! ๐Ÿ’–๐Ÿ‡บ๐Ÿ‡ฒ๐Ÿค—โœŒ

After I posted it, I couldn’t breathe. I closed my phone and made dinner. When I checked my notifications, I saw that a few others have agreed. I felt better. I understand having strong views and wanting to be heard, but things are so very out of control. People are only dividing themselves, creating hate and destruction on so many levels.

I’m sure I’ll be judged for wanting things to be all unicorns and sparkles, but then everyone already knows that about me LOL.

Thanks for visiting.


I Should Be Sleeping

I really should be sleeping. I know. I always should be doing something I’m not. Especially when it comes to sleeping. The regular world is sleeping. My household is sleeping. At least, I believe my children are asleep. I will be checking on them shortly before I do eventually go to sleep.

I do this every night. Every single night. I don’t mean to. My mind just doesnt stop. I can’t shut it off. Ever. Until it finally shuts down for a few hours to nap. I get up repeatedly. I finally nap for a few more hours.

Then when I finally wake up, I feel like I have to gradually attempt to function in general. On rare occasions, I sprint out of bed, ready to go. Regardless, once I do get myself together, I try to focus. But it doesn’t matter what I do. How I start off. What my mindset is. How determined I am. I always end up with my mind racing in all sorts of directions. I’m constantly doing multiple things at once. I can never seem to catch up.

By the end of the night, I’m freaking out. I’m angry with myself. I’ve accomplished nothing! I’ve accomplished a lot, actually. But nothing that should have been done. It’s very upsetting. I get side tracked. I forget what I was doing and go off to do something else. At some point I will actually wander back to that area and see the mess, then realize I was in the middle of something. Then I work on that for a bit until the next distraction. I’m constantly bouncing around from task to task.

I’ve tried so many things to help me get back on track. I feel bad because my fiance gets upset with me when he thinks I’m doing this on purpose. I try to explain to him that no, I just don’t get things done in general. I mean, it gets done. Just not always right away, not in the correct order, and not at the correct times. So basically, if it dawns on me at 10:30 PM that I wanted to vacuum, then I’ll quick get it done. That’s just a minor example. I do get out of control at times.

I’m pretty sure I would drive anyone crazy. My family knows all this and they love me bunches LOL. They must or they wouldn’t put up with me. Speaking of, I must check on my babies. Then, I need to somehow manage to get some sleep, so I can try to conquer another day. Hopefully I don’t fall into that dreaded trap once again.

My head is already swimming in all the things that need to get done. I just can’t ever make it stop. If it wouldn’t disrupt my household or my complete sleeping schedule, I would get up and do multiple things right now. I really wish I could, but I also do need to be up early. I must place my grocery order. Then I shall see one of my super awesome friends. Let’s hope I don’t jump out of bed minutes before she arrives.

I really should be sleeping already.

Thanks for reading my 1:30 AM ramblings. Good night.

Another $50 From YouGov

I talked about YouGov before, but I’m mentioning it now because I just cashed out again. This time I got a $50 Amazon gift card.

When I first listed YouGov on my site, I had it in the passive apps section. I did this because I initially only installed the app that runs in the background on my phone. That’s all that’s needed to accumulate points. Then I would get an occasional email to do a survey. I often ignored them because I get frustrated with surveys in general.

I test a lot survey sites. They can get very involved at times. I lose my focus very easily. Sometimes I feel like it’s taking too long, so I get anxious. I give up on them very quickly. I’m trying to be much better about that.

I recently downloaded the YouGov survey app and I started paying more attention to the emails. I completed every survey right away so they wouldn’t expire. Like I said, there’s not that many. Then I noticed that they were pretty generous with points.

Back in February, I cashed out $15. I was somewhat new then. I didn’t realize that if you let your balance grow, you get more back later. I’m not sure when I started to pay more attention, but it really didn’t take me long to get to $50. I’ll have a better gauge next time I cash out.

If you are interested in trying it out, please use my referral link. When you complete 4 surveys, I will receive 2,000 points. Thank you!


Do You Do Surveys?

Does anyone take surveys to make a few extra bucks?
Which ones do you like?

I’ve been working on several different ones to see which are actually worth my time. If you’d like to try any, there’s referral links here on the Extra Money page. There will be a lot more coming soon.

Try them out and let me know what you think.


Get Paid To Review Items

***10/22/20 Update: This was originally posted a few months ago. I unpublished it in error.

I love to shop in general, especially on Amazon. I get packages several times a week. Most of which, I get my money back after I have reviewed them.

I was skeptical at first. I’m still checking into other sites as well. So far, there are three companies that I have had successful transactions with. There has only been one time that I didn’t get paid and it was my own fault. I didn’t act fast enough to qualify for my refund. I stay on top of it now to ensure I get my money back. It can be a process to keep track of, but honestly for me it’s been worth it.

Each site has specific rules that must be followed in order to have a successfully paid transaction. For the most part, they have the same basic idea. You would find the item you are interested in and apply for it, then purchase it on Amazon. Once you receive it, review the item. When all the terms are met, you will then be paid up to 100% of the amount you originally paid. Some also pay the PayPal fees.

So far, I have received the following items to review for cash back:

Clear Desk Mat
Metallic Markers
Laptop Stands
Laptop Fan
Jeweler’s Loupe
iPhone Power Cord
2 Sets Of Wireless Earbuds
Bluetooth Radio
Temperature/Humidity Thermostat
Kitchen Scissors
Child Proof Corner Guards
Mug Warmer
Bedside Organizer
Satin Sheet Set
Nightgown
Swimsuit
Beanie
Cami

If youโ€™re interested in being paid to review items, click on my referral links found on the Financial Tips page.

Everyone’s results will vary. For the most accurate up to date information, see the individual companyโ€™s site/app. I’m in PA, US, using an Android phone and Windows laptop to access above mentioned. My only affiliation is that I have personally used these companies and share my referral links, which may pay an incentive.

$400+ In Free Products, So Far

***10/22/20 Update: This was originally posted a few months ago. I unpublished it in error.

I have mentioned to a few of my friends and family members that I review items on Amazon. In return, I get my money back for those items. Not one of them have been the slightest bit interested. In hearing about it, and much less in participating themselves. I completely get it. It’s not for everyone.

The two responses I have received was that I make it seem so easy and they don’t have the money to pay for the items in the first place.

I get the money part, however there are things like phone chargers that I would think that anyone could use for free.

And well, it is pretty easy at this point. I’ve done all the work of researching and testing the companies that I deal with. They wouldn’t be on my site if I didn’t already do this and had successful transactions.

It really is a simple process.

Basically, you sign up for the site you want to try out. After your account is set up, you can choose the items you are interested in. In most cases, you need to accumulate points to be used towards your purchases. That can be done by checking in daily and various other tasks. Some deals will also give you points. Once your request is accepted, you can purchase it on Amazon. Follow any specific guidelines regarding leaving a review on their site, as well as on Amazon. If all steps were followed properly within the timelines given, you will then receive your money back.

I’ve been doing this for 4 months & so far, I have received the following:

* Clear Desk Mat * Metallic Markers * Laptop Stands * Laptop Fan * Jewelerโ€™s Loupe * iPhone Power Cord * 2 Sets Of Wireless Earbuds * Bluetooth Radio * Temperature/Humidity Thermostat * Kitchen Scissors * Child Proof Corner Guards *
2 Pack Of Maze Puzzles * Mug Warmer * Bedside Organizers * Satin Sheet Set * Nightgown * Swimsuit * Beanie * Cami * 3 Pack Of Cooling Shirts *

That’s a total of $405.89 of useful items that I received my money back from!

I think it’s worth the little bit of time that it takes. If you’re interested in getting items for free in return for your review, you can try out the ones that I use. They are located on the Financial Tips page.


For similar pages, see:

* Get Paid To Review Items
* Small Financial Tips – It All Adds Up
* The Rewards Are The Reason

Everyone’s results will vary. For the most accurate up to date information, see the individual companyโ€™s site/app. I’m in PA, US, using an Android phone and Windows laptop to access above mentioned. My only affiliation is that I have personally used these companies and share my referral links, which may pay an incentive.

Cash Back For Testing Items: Update

***10/22/20 Update: This was originally posted a few months ago. I unpublished it in error.

I just added some additional information to the Financial Tips page regarding receiving cash back for testing items. I had explained the process and provided my referral information, but I feel the need to explain a few things further.

Before you chastise me for partaking in these transactions, let me explain my take on this. Basically, you are helping merchants to build their ratings as well as giving them feedback on their items. They are always appreciative and helpful when there are issues. In return, you receive cash back. Also, I don’t believe in taking advantage of this system. I only apply for items that I genuinely need or can use. I am an Amazon’aholic to begin with, so I have a lot of orders in between these transactions.

Since I originally posted the information to my site, I have been reading a lot more from other people who used these sites. I’ve noticed a lot of misunderstandings and confusion. I also read stories of Amazon reviews and even accounts being deleted by Amazon. I’ve become even more careful with what I do. This is what prompted me to update my page with the following.

Be careful of a few things:
1. Be Selective. Don’t go crazy and order everything just because you get your money back.
2. Follow Guidelines. Review each site’s info to ensure a successful transaction.
3. Keep Track. Otherwise, you could lose track and ultimately lose money.

These are two of the sites I am currently using. I have a few others I’m testing, including ones that don’t require a review.

Cashbackbase: Up to 100% cash back on all sorts of Amazon items.
* Referral Link: https://www.cashbackbase.com/i/zdl82bp5qi

Rebatest: Up to 100% cash back on a wide variety of Amazon products.
* Referral Link: https://www.rebatest.com/Product?Uid=219259921&Rid=27142554
We each receive $5 when you use my link.

Try them out and let me know what you think. Thanks for using my referral links.

Everyone’s results will vary. For the most accurate up to date information, see the individual companyโ€™s site/app. I’m in PA, US, using an Android phone and Windows laptop to access above mentioned. My only affiliation is that I have personally used these companies and share my referral links, which may pay an incentive.