Freebies on Friday - July 29, 2016

Happy Saturday everyone! Sorry this is a day late. I've lost power at my home and spent most of the day yesterday without power (internet included). Luckily, we have a back up generator to run our home when the power goes out. Hopefully our power will be fully restored soon and I'll be able to get back to my normal routine.

Have a great weekend and enjoy the freebies!

e-Books

Survival First Aid Guide: How to Prepare for an Emergency Situation


How To Make Money Blogging: How I Replaced My Day-Job and How You Can Start A Blog Today (Blogging Guide Book 1)


Take Control Of Your Life: A 2 hour plan to help you set and reach your goals


Anti-Aging Habits: 137 smart and sassy ways to add years to your life and life to your years


Samples
Free Wildflower seeds from FeedABee.com
Fancy Feast White Chicken Medley cat food sample
Free Puff Candy - Peppermint flavor


Misc.
Pocket Constitution of the United States - ACLU is providing one for free until November 8th. Just use code: POCKETRIGHTS
Adorable Summer planner stickers from BibleJournalingDigitally.com



* Please note the ebook links are affiliate links but at the time of this publication all the books were listed as free on Amazon.com. All the remaining links are not-affiliate links and I am not compensated for sending people to any of them.

Freebies on Friday - July 22, 2016

Happy Friday everyone! I hope you enjoy the freebies I've found for your this week.

Have a great weekend and enjoy the freebies!

e-Books

Preparedness Gardening: How to Grow Real Sustenance and Naturally Build Soil Fertility in Troubled Times

Alphabet Smash: Your Child's 26 Week Alphabet Adventure


Sewing: Sewing for Beginners - Master the Art of Sewing + 2 Bonus BOOKS (how to sew for beginners, how to sew, sew, sewing for beginners, sewing, sewing for dummies, sewing books)

Think And Grow Rich : 1937 Original Masterpiece (Xpress Book)


Samples
Vita Coco Coconut Oil Sample
Rachel Ray Nutrish Dry Cat Food Sample
Aqua Skincare Sample


Misc.
Mountain House Food Pouch Rebate - Purchase a Mountain House Food Pouch (up to $11) either at a store or online and receive a rebate in the mail.
Endangered Species Coloring Book - This coloring book has info on where the species naturally lives and other interesting facts.
Kids Bowl Free - Register your kids and they can bowl 2 games every day during summer.


* Please note the ebook links are affiliate links but at the time of this publication all the books were listed as free on Amazon.com. All the remaining links are not-affiliate links and I am not compensated for sending people to any of them.

Importance of Having An Emergency Fund

This morning I logged into our checking account and found out that someone stole my debit card information. There was a charge pending for $760 at a watch store in Brooklyn, NY and overage fees of $144. Needless to say our account was in the negative. 

I immediately called my bank and thankfully they had already cancelled my card. The person or persons had also tried my card at Walmart.com and OldNavy.com for over $500 each. Luckily they denied both of those charges but the first charge is still pending in my account. 

That means when my husband's check is direct deposited this week we won't have access to some of the funds. 

We are obviously going to file a fraudulent charge request with our bank, but we won't have normal access to our account until it's cleared up. 

So what do you do when someone messes with your account and you still have bills, gas and groceries to buy?

You need to have a small emergency fund.

Any amount you can afford to start one is good, but you at least want to work up to a week's worth of expenses at the minimum. Many experts say to save up $1000, or a month or even 6 months worth of expenses. Like I said earlier ANY  amount is better than no money at all. 

It may be obvious, but don't keep that money in your regular bank accounts. I suggest in a safe at home or another safe location that you have access to in time of emergency. 

A good friend of mine had here card hacked on Christmas Eve. You can bet the banks weren't open the next day. They aren't open on Sunday's either. Though some have phone centers open 24/7 but not all. 

There are many good reasons to keep a little cash on hand for emergencies. Here are a couple.

* Banking emergencies such as having your debit/credit card lost or stolen. 

* Power outages are another time when cash is helpful. We've all gone into a store at one time or another that couldn't take credit/debit cards. 

* Job Loss isn't always predicted and it may be a some time before unemployment or pay from a new job comes in. 

* Medical expenses are another common reason to have an emergency fund. Not just for you or your family but also for pets too.

I think it's obvious there are events in life we don't plan on or want but having an emergency fund helps get life back to normal quicker.