Denise’s Blog

1095 Tax Form

1095 Tax Form

  It’s Tax Time!  If you have questions about the new 1095 tax forms for health insurance, here is some helpful information. 1095 Tax Forms The Affordable Health Care Act/Obammacare, introduced three new tax forms that individuals, employers and healthcare insurance providers need to comply with for the 2015 tax year and beyond. The 1095 tax forms are the forms the IRS will use to make sure everyone had the health insurance they were required to.  Basically they will use forms to catch and penalize anyone who did not comply with the Affordable...

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Obamacare/Health Insurance – Dates, Deadlines, Penalties and More

Obamacare/Health Insurance – Dates, Deadlines, Penalties and More

It’s almost January 31st and tax time, here is some information to help you avoid some very costly and and common mistakes when it comes to Obamacare and health insurance.   Here is a quick rundown (live links to more info): • It is mandatory for everyone to have health insurance with very few exceptions under the Obamacare/Affordable Care Act mandate. • If you did not have the required health insurance in 2015 be ready for the IRS to hit you with a penalty when you file your taxes this year. • The deadline to enroll in health insurance for 2016 is January 31st. • The...

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Christmas Gift Ideas That Make People Richer By saving them money all year!

Christmas Gift Ideas That Make People Richer By saving them money all year!

This post is inspired by my 23 year old daughter’s 2013 Christmas list that included a Costco membership and a Lifeproof cell phone case.  Getting a Christmas list like this makes for one very proud “mommy moment” because it tells me I raised a financially smart kid. Tip: Ask for a Christmas list that includes categories in the following areas: what you need, what you want and what would further your education or help you earn more money.   Here are a few 2013 Christmas Gift Ideas that will make people richer by saving them money all year. For the Cell Phone Lover –...

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30-Day Credit Cleanse

30-Day Credit Cleanse

  Have you ever opened a credit card bill and wondered how you could have spent that much money in one month, or had an Amazon box delivered to your front door and forgot what you ordered?  That was us last month, and we decided we had to put a stop to the spending madness.   My husband Doug and I are two weeks into doing a “30-day Credit Cleanse” after getting a staggering credit card bill (seriously, how could we have spent that much money in one month?).  Being on a “30-day Credit Cleanse” means we must pay cash for everything we buy – no credit or debit cards!!! ...

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Cheap Things to Do With Kids this Summer

Here is a quick post on cheap things to do with you kids this summer…especially if you keep hearing “I’m bored, there is nothing to do”. Let’s Go Kids – Host a family fun meeting, brainstorm things to do or places to go, get the entire family involved in coming up with ideas on how to pay for it, think: change around the house, yard-sale, recycling, dog walking, car wash, coupons, eating in, etc. Then grab a jar and put a photo of where you want to go or what you want to do and put the money raised in the jar – I bet you could come up with the money in one...

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Bed Bath & Beyond – Coupon Tips

I did some Christmas shopping today at Bed Bath & Beyond and had to share this tip. You can use multiple 20% off coupons with one order. If you don’t have a coupon with you, you can return later with a coupon and your receipt,  they will happily do a price adjustment with NO time limit!  (If the items you purchased were pricey it may be worth a return trip) P.S. I posed this tip on Facebook and someone said they don’t even care if the coupon is expired! (I’ll have to try that and see how it goes) Enjoy the savings!

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Waiting for Water to Boil? No More!

Have you ever found yourself standing at the stove, staring at a pot of water waiting for it to boil?  I sure have and I won’t be wasting my time any more.  If you want to save time in the kitchen, here’s a tip!   I’ve found a new kitchen time-saver  and I love it and had to share!  I’ve been using my new electric kettle for just about everything: tea, French press coffee but mostly to save time when I am cooking.  Now I pre-boil my water for all kinds of stuff: oatmeal, pasta, potatoes, etc.  Love it…. You can order one like the Hamilton Beach Electric...

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Teaching Kids About Money

If you are looking for ways to teach kids about money you can listen in on this interview I did with the John Tesh Show.  You can listen now by going to Tesh.com and clicking on the listen now button located on the left side of the page.   The show will air today every hour on the hour.  I love how John Tesh provides intelligence for life…great information on his show!

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Legally Seized and Unclaimed Property at Deep Discounts

Have you ever wondered what happens to lost and found at parks or property seized from criminals? If you would rather watch than read click here. All these items end up in auctions held by various states, local law enforcement agencies, airlines and storage services.  Many of these agencies or departments have websites or partner with sites that run auctions daily.   Most of these auctions sites have bids starting as low as $1.00 and if interest is low on a particular item, you could walk off with a high-end item at a ridiculously low price.  Most of these sites offer free memberships...

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Avoid Waste: Share and Preserve Your Bounty of Fruit

Avoid Waste: Share and Preserve Your Bounty of Fruit If you would rather watch than read click her to watch .  (it’s me on ABC Good Morning Kern County) With summer in full swing, this is the season for all those wonderful fruits reaching their plump, ripened stage and ready for picking.   Not only are fruits a great source of vitamins and healthy snacking, you can share them with friends and neighbors or donated to those in need.   With the blazing heat of summer surrounding us, fruit offers a cool, refreshing alternative for meals and snacks alike.  After picking a...

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