Category Archives: Financial

Some Updates

Hello! I hope everyone has been doing well. I updated my site with a few more money tips on both pages, but I haven’t been posting about them. I feel like every time I want to announce an update of some sort, it turns into a huge production that I end up not doing. I have a lot more to share, so I will try to be better about that.

Things have been extremely hectic here. My youngest daughter is back to school, with a whole lot more added to her schedule this year. I am heavily involved in her lessons to keep her on task, and I need to learn with her so I can teach it to her differently. Among so many other things, I also have been organizing and backing up pictures, which is a huge task. At some point, I would like to share old pictures that were never seen before. I have a lot of great ones from photoshoots and live shows. Oh, and we may be having some pet rat babies!!!

That’s all for now. Thanks for visiting! Everyone is more than welcome to follow my Facebook page LadySkullshine Entertainment, and join my group LadySkullshine. I’m still considering a possible name change, but that may take me a while.


More About Giftloop

Hello! Happy Saturday! I hope everyone is having an awesome day.


I wanted to revisit an app called Giftloop. It has been listed on the Extra Money page, and I wrote about it earlier this year. I’m pretty sure that I also sent out my referral link over social media. But, I realized that I could elaborate on it a bit more.

I have been using Giftloop since July 2019, and cashed out $40 so far in Amazon gift cards. That doesn’t seem like a lot, but this is one of the most passive apps that you can still easily make some money on. That’s perfect for me. There are more tasks that will build coins a lot quicker, like trying other apps, but I rarely complete any of those. Also they just added a gaming feature too, however mine isn’t working yet.

Literally, this is all I do. I’m usually multitasking. So I’ll just open the Giftloop app on my phone, while I’m doing other things. Once I collect my “Daily Specials” (listed below), I just swipe through the screens until I see a cute cat meme. Then I stop to collect 5 coins. I swipe through some more to the videos, so I can earn 50 coins for watching each of them. Depending on what I’m doing or how I feel, I’ll take a survey. That’s pretty much it. Oh, and I also get a decent amount of coins whenever I charge my phone.

Daily Specials:
Log In = 100 coins.
Log In 7 Days Straight = 3,000 coins
Watch Video = 100 coins (then 50 each additional)
Take Survey = 750 coins + coins paid per survey

Cute Cat Memes =5 coins

If you’re interested in trying Giftloop, and use my referral link, I will receive bonus coins. Thank you!


Thanks for stopping by. I’m trying out a lot of new sites lately. Follow me for updates. For more ways to help supplement income, visit the Extra Money Tips page.



Achievement App Added

I just added Achievement to the Passive Apps list.

This app doesn’t pay out a lot, but very little needs to be done anyway. Once you download and set up your account, you can then connect fitness apps to it. I linked my Fitbit and Samsung Health. It will then automatically accumulate points when you do things like walking or weighing yourself. There may also be an occasional survey or articles to read for even more points. I just cashed out $10 today.

Use my referral link, and we will both receive 100 points. Thank you!

For more apps like this, see the Extra Money Tips page.


Another Look At YouGov

Hello and Happy Sunday! Another crazy busy day. I just can never seem to have enough time for anything. I just wanted to quick share this awesome app again with everyone.

I know, I already had YouGov listed on my site and recently wrote about it, but I felt the need to share again. I originally had this listed as a passive type app, but the surveys are definitely worth doing when they are available. I didn’t bother with a lot of them until recently. I was caught up in trying so many different companies, that I overlooked a few things.

Per their site, “YouGov is an international research data and analytics group headquartered in London.” They have six locations in the US. Their mission is to “supply a continuous stream of accurate data and insight into what the world thinks, so that companies, governments and institutions can better serve the people and communities that sustain them.” Basically, they are interested in your opinions and internet activity.

You can access YouGov online, plus they have two apps. One is their Panel app, where you can do surveys just like on the site. The other app is called YG Pulse, which runs in the background of my phone. It tracks my internet activity. Once in a while, I get a notification to reconnect it. Somehow my phone drops off. I think it’s because I have another similar app running so they are conflicting, but it hasn’t affected my earnings.

They payout is pretty decent. I cashed out $15 earlier this year. I’m holding out for a higher balance this time. I currently have 53,150 points. If just one person uses my referral link to sign up and completes four surveys, I will get 2,000 points. That will put me just over $50. Whoever does this, thank you in advance! Try it out and let me know what you think.

Okay, I must get back to my madness. I have so many chores to catch up on, projects to half finish, a whole lot more schoolwork this year with my daughter, our zoo, and on an on. I hope everyone has a super wonderful day! Thanks for visiting! Smile Sparkle Shine!


Expired Coupons For Military Families

I recently heard on a coupon show that military families overseas can use our expired manufacturer coupons. I looked into it and they can actually use them for up to six months past their expiration date. From what I understand, you can mail them directly to members of the military to be used in the commissaries.

If you don’t know anyone that can use them, you can still help out if you’d like. You can mail them to the Support Our Troops: Troopons Program. There’s some guidelines to this that I found on their site, so you really want to review it first. One thing to note is that they must be cut out, sorted, and labelled in a baggy. It helps their volunteers to get them distributed faster to the stores for families to access.

Please feel free to share and tell everyone.
I really hope this helps someone somewhere.

Scratch Offs Added

Hello and happy whatever day it may be. Mine didn’t start off too great when I realized I lost my engagement ring. It was a very emotional morning. (It’s still missing.)

I just wanted to let everyone know that I added two new apps to the money making list. If you like scratch offs, then you’ll probably love Lucktastic and Lucky Money. I just cashed out a total of $15 between them.

Try Lucktastic with my referral link and I will earn 1,000 tokens. I couldn’t find one for Lucky Money, but you should try them out too.

If I have time, I have more updates to work on, so I may post again later today. Among other things, I really need to help my daughter with school. Plus we have a pet rat adoption appointment this evening. Get ready for some super cute pics of the new babies.

Have a super awesome day!

Happy Saturday

Hello and happy Saturday!

I meant to write more, but things have been extremely busy here. We are still trying to figure out what’s wrong with my car (since June). It may be resolved, but I have to do a longer test drive. We are also dealing with the aftermath of some severe flooding we had in our basement. Nearly everything was destroyed. Then we have preparation for school to start on Monday. My daughter will be in a new program through her online school. I’m slightly nervous. She’s much more excited for tomorrow. We will be watching a live stream of baby rats that she wants to adopt. In addition to all this and more, I’ve done some research and have been testing out some new sites to make extra money.

Thanks for visiting! Stay tuned to find out what sites I will be adding.

Do You GPT Play Games?

Do you play games on your phone? Do you get paid for it?

Honestly, I was never a fan of playing games on my phone. I always felt like it was a waste of time. Until recently, when I learned that I could get paid for it.

So, of course, I looked it this and tried out a few apps.

That was slightly aggravating. Some of them seemed to take too long to earn points. I also ran into a few other issues. It was a lot of wasted time. Eventually, I did manage to find one that seemed to work out best for me. I’m sure I’ll look for more at a later time, but I’m satisfied for now.

I have been using Mistplay for almost a year, and cashed out $90 to date. It would be higher, but I was testing out a few other apps for a while. I also backed off recently so I could focus on a few other things. As far as I’m aware, Mistplay is available on both Android and iPhone.

I received a $10 Amazon gift card on: 9/10/19, 9/26/19, 11/11/19, 11/25/19, 3/9/20, 3/10/20, 3/25/20, 5/3/20, & 8/21/20.

My end goal is to make a few bucks, not actually play the games.

So, I pick the games that pay higher. I also choose ones that I won’t need to stare at the screen to play. This way, I can still make a decent amount and also be able to multitask. For example: If I’m playing Forge Of Empires, I can easily tap my screen to collect things while I’m working on something else. Bingo seems to pay higher, but needs full attention. I’ll play this when I just need to zone out for a bit, or if I’m watching TV.

I also calculate the payouts to get the most out of those too. When your points balance hits 1,800, you can cash out for $5. I like to wait until it hits 3,000 for $10, so I can get more money back. The next payout is 7,500 for $25, which has no benefit for waiting.


For those that are new to GPT play games: The concept is that you play games on your phone, while earning points. Once the gaming app is installed, you would choose a game, then download it via the app. The game also must be launched via the gaming app, each time you play it. The app has to track your gaming activity, so you may need to adjust your security settings. When you have enough points, you can then cash out for an electronic gift card.


Try Mistplay with my referral link, and I will receive 100 points. Thanks! Thanks for visiting & taking the time to read this. I really appreciate it. Feel free to leave comments & share with others.

Are You Optimizing Your Receipts?

Don’t throw them away! Scan them to get even more cash back.
So far this year, I received over $175 back using the following.

Please use my referral links and codes. We both may receive an incentive. Thank you!

Coin Out – Referral Code: TAYT94E.
Fetch – Referral Code: E4HFT.
Ibotta – Referral Code: N32FQ.
Inbox Dollars
Receipt Hog
Receipt Pal – Referral Code: PPTWMPZJ.
Swagbucks

Save On Auto Insurance

I was just wondering who else really hates paying so much for car insurance?

We have two vehicles, which we barely drive. I always get state minimum coverage, but we still paid a lot. It also doesn’t help that I have an old claim on my record. I actually found a cheaper insurance for a few months, but it gradually increased over time.

After much research, I finally found the most cost effective insurance for us. Metromile charges a base rate per vehicle, then you pay per mile. I’m now paying about $35 a month.

Get a free quote to see if Metromile makes sense for you. When you do, I will receive an incentive. Thank you!

Focus change

Hello! Happy Friday! I’ve been out of sorts the last few days. I hope to get it together and catch up this weekend. I just thought I’d share my newest shift in some financial things. I have been reassessing my ways to make a few extra bucks. I actually review everything I do, often. I’m slightly OCD. That’s why my site changes so much. Sorry, I’m ridiculous.

I haven’t been cashing out as much lately for a few reasons. I wanted to let my balances build up, because I thought it would be an incentive to get paid a higher amount. I was so very wrong. Instead, it makes me feel like I’m not achieving anything. Also, I’ve been bouncing around a bit lately, trying different things. So that didn’t help either. All of this has put me in panic mode. I feel like I’m wasting time.

So, I figured out which ones are actually worth waiting on. I won’t touch those for now. If I cash out the rest, I’ll have about $53. I also made a new list of GPT (get paid to) sources to concentrate on. I felt like I was all over the place, so I had to stop everything. I did some research, verified my earnings, and created the list. I’m not sharing them until I have been successfully paid. I wouldn’t feel right otherwise. In the meantime, I will continue to add any helpful tips that I can think of.

Thanks for stopping by. Feel free to subscribe to my blog for updates. Visit anytime, and leave me a note if you like.

Jessie LS

Financial Updates

Hello. This is just a quick note to let everyone know that I have added some more information to my financial pages, Savings Tips and Extra Money Tips.

When I have a spare moment, I plan to add the following:

Cash Back Sites (more)
Coupon Code Sites
Discounted Gift Cards
Saving Extensions

Survey Sites (more)
& More

As always, thanks for visiting.

Mission To Better Credit

My focus these days has been on my family’s financial well being. I do a lot of little things that really add up and help. I’m not a financial expert, and I’m not rich. But, I do manage to save a decent amount of money. I’m definitely on the right track and will keep expanding on this.

I think it’s time to get back to working on my credit.

Over the years, it has been all over the place. I have learned a bit about how to manage things better. In 2017, I set a goal to rebuild my credit because my score was severely damaged. By 2018, I had it up over 700, and was able to approved to buy a decent home on my own credit. Before I got that opportunity, some major life events took place and my credit quickly dropped. I’ve been trying to recover ever since.

Yesterday, I really thought about how I haven’t been making an honest effort. That’s why I decided to make it another one of my missions.

To begin this quest, I reviewed each report. I made a list of who I need to contact directly, who to dispute, and questionable things to look at further.

It’s important to at least verify that your information is correct, and let them know if it needs to be fixed. Your credit report follows you everywhere. There could be negative things that are not even yours, or have incorrect amounts and dates that was reported by creditors.

My next step was to actually take action. If you use Credit Karma, you can submit a dispute through the app. I did this with my oldest bill. Depending on the situation, you can also call them directly. I did that today as well. I just had a collection hit my credit, for not returning cable equipment in time. I called them and they set up a UPS pick up. She also advised me to contact the collection agency so they are aware we are working on having it removed.

I’m far from done, but I’m already making some progress towards my goal. It’s time to get side tracked with something else for a while.

Thanks for taking the time to visit and read this post.
I appreciate it.

New Theme, Page, Updates

If you haven’t noticed, I changed my site’s theme. I also rearranged some things and added a new page. I’m ridiculous! I’m constantly trying to make it better. I’m so OCD about everything, until my ADHD takes over.

Let me know what you think.
Feedback is always appreciated.

I really like the layout of this new theme on my laptop, but I’m not sure about the mobile view. That’s where I get tripped up. The menus and widgets show up differently. I should have checked the theme on all devices before I applied my changes, but I didn’t think about it at the time. I’ll most likely keep it for a while and experiment a bit.

What device you use the most when you’re visiting?
I can adjust more to the majority’s viewing preference.

I originally planned to add a coupon section to my Financial page, but things got out of hand. I ended up creating a new page for Savings Tips. I listed the steps that I take to help save money from before a transaction, to afterwards. I did my best to have it flow in that order. I have so much more information to add to both of these pages.

Follow me and subscribe for updates.
Thank you!

Coupon Mission: Update 4

As I am moving along this journey, I am thinking I should add this info to my Financial Tips page. Or even a new page? So far I’ve had a few updates, some bloopers, and saved a bit more than usual. Nowhere near where I want to be…yet.

I would recommend learning the coupon rules for each store, as well as the different kinds of coupons/ deals, and what can be combined.

To Obtain Coupons:

1.) Subscribe to the paper. They often runs specials for weekend delivery.
2.) Dollar Tree $1 each. They have a limit of 3 per day, Saturday and Sunday.
3.) Digital coupons. A lot of stores let you clip these on their site/ app. Some have store coupons, as well as manufacturer’s coupons from the paper.
4.) Kiosk Coupons. Some stores have a kiosk that prints special coupons. CVS is one example of this.
5.) Print coupons from the manufacturer’s site. This can take some time and use a bit of ink and paper, but you can get some decent coupons.
6.) Reach out to companies to mail them. I’ve contacted over 100 companies, so I know it’s time consuming and very few companies will send you coupons. However, I did manage to get a handful of high value ones by mail from the following. As I continue to contact companies and receive more, I will keep this list updated.

Companies Sending Coupons In The Mail:

* Blue (dog food) * Bush’s * Celestial Seasonings * Chicken of the Sea * Daisy * Frito Lay * Hostess * Hungry Jack * Juicy Juice * Kellogg * Ocean Spray * Quaker * Tyson
And, I also received a Degree deodorant sample.

In Addition to Coupons, Save Even More Money:

1.) Use store loyalty programs. Most have them. You can save at the time of sale, as well as on future purchases. This can be done online and in store.
2.) Use apps to find coupon codes and deals. This helps you to save at checkout online.
3.) Use cash back apps/sites. I have several that I use, depending on the store. This can be done online and in store.

One example I have is when I order Domino’s. I log in to use my loyalty, which gives me points towards a free pizza. I use the online coupon to get the 3+ items for $5.99 each. I then buy a Domino’s gift card which gives me 7.8% cash back. When I checkout on my phone, I use Samsung pay and get a percentage back from that. I have my PayPal business card attached, which also gives me cash back.

Going forward, I’m moving all of this info to a page and will just post updates as far as my progress. Subscribe to my blog stay informed.

Coupon Mission: Update 3

I feel like this should be a Bloopers edition….

It’s been over a week since my last update. I saved some money, but nothing went nearly as planned. Anxiety, stress, and memory lapses really did not help my mission.

Before I left the house, I prepared myself. I already had all my notes on each ad. I also wrote a list of the items I needed to buy there. When I folded it up, I could see my list. Then I clipped my coupons to the back. I did this with each ad, with the feeling that I was about to accomplish something.

With my organized stack in hand, I started at Dollar Tree. I planned to get Renuzit air freshers for $.67 each, with a buy 4 get 2 coupon. Except, I never brought the coupon and completely forget about it. When I grabbed the air fresheners, I couldn’t figure out why they weren’t marked down. I convinced myself that it will come down at the register. They didn’t, of course. But hey, I did grab a bag of Chex Mix that was much cheaper than Rite Aid.

I quickly moved on to Dollar General. They were out of a few of the items I needed. I grabbed what I could and checked out. As I put my cart away, I realized I left my coupons on the counter. So none of those were used. The cashier nicely said I could use them next time. I just smiled and agreed, as I beat myself up inside for being so mindless.

Next was Rite Aid. I’m not used to this store, so I struggled to find some things. I’m also not sure how much I really saved, compared to what I normally pay. Then, I bought the wrong razors. I had coupons for $5 & $4 off. Except one was for disposable razors, so scratch that. I still saved with their sales and my one coupon though. They were regularly $13.49, but I paid $6.14 each. Not too bad, considering. With this visit, I saved a total of $23.87. Plus I have $8 towards my next trip.

Giant was my last stop. It wasn’t as great as I wanted it to be. A few of my coupons were rejected. I also got confused over an Air Wick oil starter kit deal in the ad, listed at 2 for $6. There was no picture in the ad and no sales marked on the items. I found a kit for $13.99. I didn’t think it was right, but grabbed it anyway to ask the cashier. She had to get a manager, who approved it. Honestly, I think it was a misprint. I also had a $2 coupon, so I got 2 for $2 each! (Orig 2 x $13.99 [27.98], on sale 2 for $6 – $2 coupon = 2 for $4.) With this trip, I managed to save $75.64 off my bill of $352.02. That’s 21.49%. It’s a start.

Then of course, once I got home, I scanned all of my receipts with at least six different apps to get even more cash back.

I know I could have done a lot better. I’m still working on my process of doing things to be faster and more efficient. I really need to focus more. I learned that I need to print more coupons, take them with me, and remember to use them! Then I need to pay more attention to the details on the coupon and store rules. Also, I should probably compare prices a bit more. Stupid mistakes that I can easily work on. Baby steps.

Financial Babble

Since my last coupon post, I have contacted about 30 more companies. I didn’t receive any more coupons through the mail since Monday. I broke out of my shell for a moment. I made a post in a neighborhood app and a Facebook neighborhood group requesting any unwanted coupons. I actually received a few responses. Oh and I contacted a nearby friend of mine who has great experience in couponing. I have a bit more confidence in my journey. That’s my coupon update, which I didn’t see a need for it’s own post.

In other financial news, I recently received a call from my credit card company regarding a lower rate. I called them back today and found out it was a fraud call. However, while I had them on the phone, I asked what offers were available to me. It didn’t cost anything, but a few extra minutes. They upgraded me to a higher rewards card, so I’ll be receiving more cash back. It was totally worth those few minutes.

Every single day, I’m working on our finances. Whether it’s ways to save money or make money. I rarely impulse buy. I will jump through hoops to save. Then of course, the best part, the shopping while knowing that we have the extra money to do so. It makes it all worth it. Especially knowing what it’s like to not have the money. I’m grateful for anything extra I can do to better my family. Every little bit really does help.

Coupon Mission: Update 2

I don’t have much of an update, but I have made some progress.

So this weekend, I got the Sunday paper ads and coupons. I checked what deals I could get at Rite Aid and if it’s worth going through the trouble this week. It was, so I focused on their ad and what coupons I had on hand. I finally went shopping today and ended up spending $19.92 on Crest, ZZZQuil, 3 Pantene, and razors. I saved $22.37 between store deals and coupons. I also now have purchases tallying towards cash back. For example, spend $50 on P&G items and get $15 back. Not too terrible for my first trip back on the mega coupon wagon.

Yesterday, I received a stack of mail full of coupons from Daisy, Celestial Seasonings, Bush’s, Juicy Juice, Kelloggs, and Hostess. They also sent me letters advising of where I can get more coupons. I even got a few recipes too. I’m going to send out another batch of requests soon. Once I get through my list, I’ll post all of the companies that send me coupons.

The next thing I need to figure out is my plan for printing coupons. Since I rarely print, I have a subscription that allows me to print 15 pages a month for free. If I will be printing coupons, this will definitely increase fairly quickly.

Like I said, it’s not much of an update. But it is definitely progress.

Coupon Mission: Update 1

I recently posted that I’m on a mission to be a for-real couponer. I already save money literally everywhere else in our household budget, so it’s time to take on that ever growing grocery bill.

Granted, I do buy a lot of items. My cart is always overflowing and I usually fill both refrigerators, freezers, pantry, cabinets, and then some. It just bothers me, knowing that I can save so much more. I use my store’s loyalty program and buy things on sale. I just really need to use more coupons. The issue is finding ones that we can actually use.

Since my last post, I have reached out to 46 companies requesting coupons. For the majority of them, I just had to fill out forms on their sites. I also created a new email address specifically for this. I’ve already received several responses. A bunch said they would mail coupons to me. Most of them advised that they could not send anything, but then they directed me to where I could get their coupons. Some companies post them on Facebook, while others are sent via their newsletters. I’ve also found some that have points programs. When I’m more organized, I can post more detailed information of what I’ve found.

I recently went grocery shopping and don’t have a ton of coupons, so I won’t have any major progress yet. I just have to stay focused and remember that the end results will make all of this worth it. I am also going to begin couponing at the pharmacy again. I did really well with it before. That will help me stay on track in the meantime.

For more ways to save money, visit the Financial Tips page.

Mission to Extreme Couponing

I’ve been flip flopping with coupons over the years. I don’t mean using some coupons here and there to save a few bucks. I mean the legit couponing, where you pay virtually nothing. When I used them religiously, I did fairly well. But certain things have caused me to fall off the wagon.

There was a time when I clipped every coupon. I got the big hot pink binder to file them and a smaller one to take to the store. I wandered through the aisles, attempting to follow my list, while checking deals, and fumbling through a binder full of coupons. No matter how prepared I thought I was, it was very overwhelming for me and I could never manage it properly. I get confused, forget to use a coupon, or get stuck calculating if it was even worth using. By the end of the shopping trip, I saved very little, was super stressed, and didn’t even buy all the things I needed. I ditched the binders and used a small envelope organizer. That didn’t help at all. Eventually I realized it was causing me way too much anxiety. From then on, if I managed to use a coupon I would just appreciate the savings.

Sometime later, I started using the Krazy Coupon Lady site/app. It really helped me a lot, giving me some guidance to get a handle on the process. KCL shows you where to find deals, coupons, policies, etc. I was getting about 20 packs of newspapers every week. I focused on CVS since it was the pharmacy I used, it was familiar to me, and they always had decent deals to begin with. I made my list of items with notes, got my coupon stack, and went shopping. I actually was able to get nearly all of my items for free. On some trips, they even paid me.

This was a wonderful thing…when it worked. A lot of times, I would sabotage myself by screwing something up or getting side tracked. The store would be out of an item and I’d have to rethink things, then my anxiety would take over. I ended up slacking off. Then there was no CVS where I moved to. I have a Rite Aid, but never really attempted it there. Or anywhere else.

I’m tired of seeing $300 grocery shopping bills. It’s out of control. I do buy a decent amount of stuff to stock up and fill both of our refrigerators, freezers, and pantry. But still, this is a huge amount of money when I know for a fact I could save more.

I am on a mission to be a for real couponer. I save money literally everywhere else on our household budget. I’ve done some research and made some notes. I already do the majority of the following, but I do need to start contacting companies and purchase more papers. Let’s see how much I can save going forward. I’ll be keeping a closer eye on this.

  • Newspaper inserts.
  • Get extra newspapers from Dollar Tree for $1 each.
  • Print coupons from the manufacturer’s site.
  • Reach out to companies to send you coupons.
  • Use apps for cash back.
  • Use store loyalty programs.

For more ways to save money, visit the Financial Tips page.