ImpulseSave Review & Giveaway for The Penny Frugalista Readers!

ImpulseSave is a new way to save money.

How hard is it for you to save money toward your dream vacation, an iPad or a new TV? Most of us give in to the temptation of using our credit cards for immediate satisfaction (and immediate debt). What if there was another way to put money aside on the spur of the moment AND see how quickly you’re progressing toward your goal?

That’s where ImpulseSave comes in. It’s an exclusive website service that has people across the U.S. “impulse-saving” anytime, anywhere. There are plenty of opportunities to save your money and protect your assets. Link up your checking account, set up the ‘auto-save’ option, and the money is automatically routed into your ImpulseSave account! Easy-peasy. The account is FDIC-insured, so your money is safely tucked away until you’re ready to use it to pay off a credit card or, like me, buy your daughter a playhouse for the yard!

What I like best about ImpulseSave is the ability to push money over to your account whenever the mood strikes. The “impulse to save” usually strikes when I’m contemplating spending money on something else I need. The instant gratification of saving the $5 you’d normally spend on a latte is pretty neat. And it’s a social community experience, as you can leave encouraging comments for others working toward their own savings goals.

I set up my ImpulseSave so I can auto-save $75 weekly toward a new $300 playhouse for Miss Frugalette (trying out new names!), and my progress bar shows that I’ll meet that goal in 24 days — just in time for summer fun! Other people are saving toward a new iPad, trips to Iceland, or to pay off their credit card debt. I did find the site a bit hard to navigate at first, and would love to see a bit more instruction about how the site works and how to set up auto-saves, but overall, it’s been a good experience so far.

A few great points about ImpulseSave:

  • ImpulseSavers are saving an ADDITIONAL $4,000 a year on average
  • ImpulseSavers are actively saving towards 3 goals, on average
  • The interest rate on an ImpulseSave savings account is 0.40% APY

 

It’s Giveaway Time!

The Penny Frugalista is giving away 20 invites to ImpulseSave!

This is your chance to get into this exclusive site and start saving for the things that are important in YOUR life.

Enter the giveaway by simply entering your email address in the box below and get a chance to be one of 20 lucky readers awarded a coveted invitation to the ultra-exclusive ImpulseSave site. Entries will be accepted starting at 9 a.m. EST on Friday, May 11, and ending at 3 p.m. EST on Saturday, May 10.

EDIT: The contest is closed!

I’ll be contacting the 20 randomly-selected lucky winners after the contest ends. Good luck!

Crest 3D White Advanced Vivid Whitestrips and a Box of Hair Dye

“You’re so vain, you probably think this song is about you.”

— Carly Simon

It doesn’t take much to make me feel a bit better about myself and how I look. I’ve never been too into looks — back in high school, some of you may remember my uniform of jeans, boots and a flannel shirt with my wallet in my back pocket — but as I’ve gotten older, I’ve taken more interest in the way I look. Call it vanity or self-esteem, but I’ve learned to put on makeup without looking like a clown and expanded my wardrobe (although the jeans and boots have yet to be kicked to the curb). I get pedicures, and once in a while, when my nails are long enough, I’ll let the one of the Korean ladies at the nail salon give me a manicure, too.

I’ve even been going to the gym on my lunch hour. While I can’t spend a ton of time there, every minute on the treadmill or elliptical is a minute more than what I’d been doing: nothing. Between the gym and a modified diet, I’m starting to see results, finally. Baby weight, be gone!

So tonight, I decided it was time for a little pampering. My grays are making themselves known again, and I don’t like it. Before the baby, I never cared, but now that I’m a mom, it suddenly matters to me that I not look old. So I whipped out my $7.99 box of dark brown hair dye (mimicking my natural hair color) and went to town. And while the color sat on my hair, I slapped a pair of Crest 3D White Advanced Vivid Whitestrips on my teeth.

Why the teeth whitening strips? Well, all the coffee I’ve inhaled since Baby Frugalista’s arrival has done a number on my pearly whites. Well, “pearly” is a stretch, because I have a can of Coke Zero every day, but the coffee compounded the issue. And the coffee stains a lot more than the tea I used to have in the morning. So I blew $30 on a medium-strength-peroxide version of the Crest Whitestrips. We’ll see if it’s worth it in the end. I haven’t used them in years, but the original Crest Whitestrips actually did a good job 5 years ago for the “low” price of $20.

Now all I have to do is follow through with the whitening strips, and maybe get that pedicure I’ve been dreaming about for 3 months. Yeah. Right. If you believe that, I’ve got a bridge to sell you.

Enter to Win!

I’d ordered the Crest Whitestrips long before I saw that Shannyn at Frugal Beautiful is giving away a similar Crest Whitestrips product. To get your own box of Crest 3D White Professional Effects Whitestrips (these have a higher strength of peroxide and work even faster), head over to Frugal Beautiful to learn how to enter her giveaway!

H&R Block Premium Edition Tax Software Giveaway: Win One of 5 Copies!

Every year, I scour the federal and state tax codes to see what’s new before filing our taxes. I want to know if there’s a new deduction or tax credit so I don’t miss out on getting some more of my hard-earned money back from the government. This year, you have an extra three days to file your taxes — until Monday, April 18. Check out this post I wrote for Rainy-Day Saver for an explanation of the extension.

Do you want to ensure you receive a fat refund or reduce your tax liability? Then this giveaway is for you! Enter to win one of five copies of H&R Block’s At Home Premium Edition tax software, courtesy of the fine folks at H&R Block. Winners will receive a key code enabling them to file their 2010 FEDERAL taxes online — FOR FREE! This is especially great for those of you who tend to wait until the last minute to file — with online filing, you won’t have to even leave the house.

The giveaway is valued at $55, which covers the $49.95 cost of filing your federal taxes by using the software, plus any sales tax you may incur upon redeeming the code.

If you’re one of my lucky winners, you can get started on filing your federal tax return HERE. When you’ve finished, enter the code I’ll provide you with for free filing. (NOTE: If you want to do your state taxes, it’s an additional $34.95, and not covered by this giveaway).

Some highlights of H&R Block’s At Home Premium Edition software

It’s for most taxpayers, including homeowners, investors, the self-employed and rental property owners.

All H&R Block tax prep solutions include:

  • Maximum refund guarantee – finds all the deductions and credits you’re entitled to
  • Free federal e-filing – get your refund in as few as eight days!
  • Accurate calculations guarantee andĀ free audit support
  • Easy importing of your W-2, 1099 and last year’s info (even if H&R Block didn’t do your taxes)

Learn about H&R Block At Home Online Tax Preparation Software and all that’s in theĀ Premium Edition.

How to Enter the Giveaway

The giveaway ends on FRIDAY, MARCH 18 at 11:59 p.m. Eastern Time. Be sure to get your entries in before then to have a chance at this free H&R Block At Home Premium online tax software! Winners will be chosen via random.org and will be announced on Monday, March 21.

1. Leave a comment on this post about what you love (or hate!) most about doing your taxes. Be sure to include your e-mail address when filling out the form so I can contact you if you’re a winner! (E-mails are private and won’t be displayed).

2. If you don’t already, subscribe to The Penny Frugalista. You can subscribe via Feedburner or e-mail.

That’s all! Be sure to enter by the giveaway deadline to be in it to win it!