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Family Budget: When Your Partner Is A Spender

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We've written multiple times about budget basics for beginners, but this post is a little bit different. This post is addressing the family budget and what to do when your partner is a spender. Chances are that person has caused you multiple hair pulling moments if you religiously stick to the budget only to have someone else keep pulling receipts from their pockets. 

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Fall Fashion Picks (Budget Style)

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Welcome, September! Many people hate to see the long days of summer dwindle, though some of us adore September's arrival. The promise of crisp weather, colorful trees and pumpkin spice anything are all reasons to love this month. Of course, fall fashion is pretty high the list of favorites as well. Bring on the bundles, please! Let's load up on layers: long sleeves, sweaters, vests, jackets and boots are looking better and better right now. 

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Easiest Ways To Cut Costs Each Month

We recently stumbled across this story on an unbelievable family (the Fatzingers) that has lots of kids, lives debt free, and can still afford college and retirement. Oh, and they live on a single income that is quite nice but certainly not outrageous. Talk about #goals! While we are duly impressed by this family's commitment and budgeting skills, we admit our struggle with consistency prevents us from ever being exactly like them. Still, in reading the article we were reminded of all the easiest places to cut costs each month. Paying attention to these tweaks can take those financial plans from out of reach to completely manageable within a short period of time.

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Deals For Dorm Room Supplies

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If you've managed to hit the stores at all lately you'll notice that they are already pumping out new fall wardrobes and back-to-school supplies. Though it's hard to think about while melting away in a heat wave, a new school year is not too far away. For those heading to college campuses, there may be a lot of things to buy. Chances are you don't want to spend all your time together shopping. Better to knock it out so you can enjoy the last few weeks of summer as a family, right? If you aren't even sure where to start, this check-list could come in handy.  Before you impulsively load up that shopping cart, check out our favorite places for deals on dorm supplies:

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4 Signs You’re Too Frugal

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Remember how we talked about how being frugal can make you a better person? Well, turns out we think the opposite can be true too.  We love a good budget and saving money, but we also think moderation is important. As Ralph Waldo Emerson said:
"Moderation in all things, especially moderation"  
Frugal living is more of a lifestyle than anything - sometimes by necessity and sometimes by choice. Often, we adopt this life and it becomes a part of who we are. That's great too, except when it can cost you more money in the long run (see this post).  Here are 4 signs you're too frugal:

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Top Couponing Tips And Tricks

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We understand extreme couponing habits are not for everyone. After all, extreme couponing takes dedication, time, and energy. Not all of us want to have our lives consumed with frugality. However, with even minimal couponing efforts people can experience maximum benefits. The key is knowing how to coupon. So here are some top couponing tips and tricks to help you save the most money with the least amount of effort.

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3 Summer Road Trips To Try

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As we barrel through the last remaining weeks of school, we also hear the call of summer around the corner.  And summer means a vacation. We do have a budget beach trip on the books. But lately we've been hearing a lot about amazing road trips other families have taken. Trips through mountains, around lakes, and along coastlines. Summer road trips where technology is limited and family time is abundant. With gas prices still low enough to feel "cheap" this summer may just be the best time to hit the open road. Sounds pretty great, right? We think so too, which is why we've researched and found these 3 summer road trips to try...if not this year, then definitely next year! 

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How Much Money Do You Give For Graduation?

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  In the past couple of years we've done several graduation posts - on how to give money in a clever manner and on actual gifts that are less than $20. We've never really addressed the issue of how much money to give for graduation. Naturally, there are multiple factors to consider so we thought we'd break it down for you. Here's our handy, quick guide on how much money you can plan on spending:

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Is Your Eye Care Provider Engaging In Unethical Behavior?

Did you know that you are entitled to your prescription information? That’s correct, you are entitled to it just as much as you are entitled to all your other medical records. You paid for it, it’s yours. When ordering glasses from our website, you will need to enter your prescription as well as your PD (Pupillary Distance). Only a few states are required by law to provide you with your PD number, but every state is required to give you your prescription. Below is our advice on how to obtain your prescription information from your eye doctor’s office as well as some useful information you should know when asking for your prescription. When you call your doctor’s office, they may either read you your prescription over the phone or send you a copy of your prescription in the mail. When asking for your prescription information, be sure to ask for your Sphere, Axis & Cylinder (if you have an astigmatism), and your ADD (if you require bifocals). The following is a list of common questions and facts based on 16 CFR Part 456 Ophthalmic Practice Rules. Hand It Over It is a United States Federal Law for your doctor to provide you with your prescription if you have paid for an eye exam. Waivers Some eye care providers may ask you to sign a waiver in order to receive your prescription. This practice is not only unethical, but is also illegal. It is used as a scare tactic in order to make the patient think that they’re doing something wrong. The Phone Call Watch out for some eye care providers who may try to call you in order to try to talk you out of obtaining your prescription information. Some practices will have a doctor call you to try to sell you their glasses or contacts. Is there a limit? You can obtain your prescription anytime you want and as many times as you want. Your eye care provider cannot refuse to release your prescription because they already have done so in the past. You already paid Some eye care providers may attempt to charge you for your prescription. This is another unethical and illegal practice that is used to discourage people from purchasing glasses or contacts from somewhere else. If you have already paid for your eye exam, you have the full right to your prescription under any condition. Can I receive my prescription information over the phone? Yes, you have the right to obtain your prescription information over the phone. Some eye care providers may tell you that you must come in to receive it or have it mailed to you; this is false, and another way for them to delay you from purchasing somewhere else. Does my prescription expire? No, there is no expiration date to your prescription. Overall, it is always best to be educated when talking to your eye care provider about prescription. The more knowledge you have, the more comfortable you will feel when asking for your prescription, and the easier it will be to obtain it. Owned and operated by two eye doctors, we here at 39dollarglasses.com pride ourselves on being informative and knowledgeable on what is ethical and legal. If you want to learn more regarding this matter, here is a link to American Medical Association’s guidelines: http://bit.ly/1Sx3JzQ. 39DollarGlasses.com is currently running an exclusive promo for 20% off your ENTIRE order. Use code SELECT20 at checkout.  

20 Mother’s Day Gifts Under $20

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Mother's Day is coming quickly, are you ready? If not, don't sweat it, we've got several options here that should help. Pick just one if your budget is tight or more than one if you want to really make mom proud. The main thing is that YES YOU HAVE TO BUY MOTHER'S DAY GIFTS! Why? No, it isn't because it's a commercial holiday for cards and candy retailers (although moms don't mind cards and candy). You have to buy Mother's Day gifts because the original intent was to honor moms, and moms are notorious for not buying things for themselves. So, search the couch cushions if you have to or skip the Starbucks this week, but find a little cash and plan a perfect Mother's Day just for her.

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