Tips to save money & A $300 Gift Card Giveaway

With the holidays upon us, one thing that is always on my mind is how to save money. I like to make sure I save money during the holidays as much as I save during the year. One of the things I do to accomplish this is to make most of my gifts instead of buying them. For example you can make food mixes, candles, bread, cookies, soap, and all kinds of other things at home. These items make spectacular gifts for others because they have your homemade touch, meaning they don’t end up in someone’s closet. If you include a personal handwritten note with the gift, this will make it even more special than anything you could possibly buy at a store.

When you’re planing to get together with friends for gift exchanges or dinner, I recommend to invite friends over instead of going out. Most activities at home are less expensive than going out. Invite some friends over and have a cookout or a potluck meal, then play some cards and have a few drinks. Not only will everyone have fun, the cost will be low.


Another thing I do during the holidays is to hide my credit cards. Yup, as awful as that sounds I take my credit cards and put them in a safe place in my home. Not in my wallet where it’s easy to spend them. If you argue that you need it for “emergencies,” just be sure to keep a small amount of cash hidden in your wallet for these emergencies.


I hope that these ideas will come in handy, or encourage you to come up with your own ideas to help you save money this holiday season.

I’ve partnered with and several other amazing bloggers to bring you this Fabulous $300 Gift Card Giveaway sponsored by H&R Block.

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Details on the H&R Block Emerald Advance line of credit:

H&R Block will begin accepting applications in offices November 25th so set up your appointment today!
All you need to apply is an unexpired government-issued photo ID and your most recent pay stub (no W2 form required!)
You don’t need to already be an H&R Block client to apply
The Emerald Advance is a line of credit you can draw from as you need it. You can use it year-round for unexpected expenses and other short-term credit needs. It’s that easy!

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To learn more about H&R Block Emerald Advance line of credit and/or to make an appointment in order to apply in a participating H&R Block office from November 25 to January 15, 2013. please visit H&R Block Emerald Advance.


Enter the Rafflecopter below for you chance to win $300 Gift Card sponsored by H&R Block Complete as many entries as you can to increase your chances of winning.


a Rafflecopter giveaway


Disclosure- Night owl mama has asked me to join in the promotion for $300 Gift card Giveaway sponsored by H&R Block. No compensation was received. The prize was provided and may be shipped to the winner by H&R Block, but all opinions at the top expressed in the post are my own and not those of H&R Block. Entrants must be 18 or older and located in the US only. Winner to be chosen at random. If you have any questions please ask Night Owl Mama. Thank you


  1. Brittani Karma Adams

    I visited the site. I learned that it’s year round credit, and easy to apply!

  2. Brittani Karma Adams

    Another money saving tip is to be shop sales. Nothing wrngwith holiday black friday.and cyber mnday shopping.

  3. Brittani Karma Adams

    I like saving money by better planning and budgeting.


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