How to Find Promo Codes to Be Used at Old Navy

How to Find Promo Codes to Be Used at Old Navy

It’s almost the holiday season. People will be looking for promo codes to several stores so that they can save money. Stores like Old Navy will be packed full of shoppers. At the Old Navy, you will be able to buy clothes for all of your family members. The store offers the best quality of clothing and other related accessories at amazing prices. If you are interested in saving additional money when you purchase at Old Navy, you should consider looking for promo codes.

Finding Old Navy promo codes is not as difficult as you think. You just have to take some time and look. Here are some steps that you should follow in order to search for the best Old Navy promo codes on the internet.

Subscribe to receive specific emails

 

On the official website of Old Navy, you are given the ability to subscribe and receive special emails. These emails would be sent to you a few times each month. Details about the latest offers available at Old Navy would be provided to you with these emails. If you really want to get some promo codes, you should subscribe to these emails. You never know how many promo codes Old Navy would send out. Therefore, you will have a chance to save huge amounts of money when you shop. Below are some other discounts on Old Navy’s site.

Visit the websites of Old Navy affiliated retailers

It is possible for you to find a large number of Old Navy affiliated retailers as well. Here are some of the brands that are affiliated with Old Navy.

By visiting the websites of these retailers, you can uncover promo codes that can be used at Old Navy. It is important to keep in mind that the promo codes you get through this method will mostly be applied to specific products. You may not have as many items to choose from if you go through an affiliated retailer. If you don’t think it’s a big issue, you can go ahead with this option.

Search for promo codes online

The internet can be considered as the best resource available for the individuals who are looking for Old Navy promo codes. You will be able to find hundreds of websites, which offer promo codes. You just need to be careful and make sure that the promo codes are legit.

It may take time looking for Old Navy promo codes since there are so many websites out there. Here are some examples from the site Retail Me Not.

How to Find Promo Codes to Be Used at Old Navy

Some of these coupon codes might or might not work, and there is a high chance that some of them might even be expired. Don’t give up, though. There are some working promo codes out there.  

Most of us don’t have time to be looking at websites looking for promo codes all day. If you want to visit a site that will have working Old Navy coupon codes, you should visit Dealspotr. Dealspotr is an excellent online resource. The community members are uploading single-use coupons of several retailers including Old Navy on a daily basis. Make sure that you keep an eye on these coupons and grab them whenever you want to purchase clothes for you or your family members. Since a large number of coupon codes are being uploaded by members, there is a good chance that you will end up with a few working promo codes. You don’t need to worry about anything when you visit Dealspotr.

The community members at Dealspotr also upload referral codes for Old Navy. They can deliver amazing discounts to your friends and family members. These discounts are in a position to assist your loved ones save a considerable amount of money when shopping for clothes at Old Navy. This is a unique feature that you can get from Dealspotr. You can’t find this deal at other stores that can be found on the internet.  

Another impressive feature about Dealspotr is that you will be able to gain access to a large number of third-party codes. These discount codes are being offered by other retailers, but you will be able to use them when you shop at Old Navy to grab amazing discounts.

You will not be able to experience such amazing features from other websites that offer Old Navy promo codes. Therefore, you can visit Old Navy promo codes section at Dealspotr without keeping any doubts in your mind.

As you can see, there are several effective methods available for you to search for Old Navy coupon codes. It is up to you to select the best method out of them to purchase the clothes that you want from Old Navy based on your preferences. It should be a hassle-free method for you at the end of the day. You also want to make sure that you choose the option that will give you the best discount.

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October 2017 Debt & Life Update

October 2017 Debt & Life UpdateThis post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here

Happy Halloween everyone. I hope you all had a great month. October is always one of the busiest months of the year for me. This year it was no different. A lot of things happened this month. My girlfriend surprised me with a trip to New Orleans for my birthday. New Orleans is one of my favorite cities in the country. We went to Bourbon Street, a Jazz Festival and ate well during that weekend. We also got beignets from Cafe Du Monde.

FinCon also happened last week. All I can say is that this was the best FinCon yet! I got back from Dallas, Texas two days ago and I’m still trying to get my energy back. I’m not sure if I will dedicate a post to FinCon this year, but I want to share with you this article on how my life changed after my first FinCon.

If I didn’t start blogging back in 2013, I would have never found out about FinCon.

If you’ve been thinking about starting a blog, the time is now.  Check out my step by step guide on creating a website with Bluehost. Use my link to get your hosting for as little as $3.95 per month (this low price is only available through my link). It usually costs $7.99 per month. You also get a free domain when you sign up through my link.




Posts That You May Have Missed

How I Made $1598 in Side Hustle Income the Third Quarter of 2017

5 Side Hustle Mistakes to Avoid

College Planning For High School Students

Assemble Your Own Career From a Gig 

Now, it’s time for my monthly debt update. I started my debt repayment in 2015. I’m not going to lie; it’s been an up and down journey. Since my last update, my debt went from $61,387.40 to $60,998.02. That’s a decrease of $389.40. That’s twenty cents cheaper than last month’s update. It’s all good, the next update will be much better. I don’t plan on doing any traveling in November.

Loan 2 – Down from $3240 to $2940

Navient – Down from $23,344.33 to $23,257.10

Nelnet – Down from $34,803.17 to $34,800.92

The good thing is that the numbers are going down. I will be under $60,000 worth of debt soon. Loan 2 is under $3000. That’s a big deal to me. I will be happy when it’s at $0.

Interested in learning how to sell on eBay? Check out “The Beginner’s eBay Course” today!

How was your October?

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4 Key Financial Aspects to Know Before You Apply For a Loan

4 Key Financial Aspects to Know Before You Apply For a LoanToday I have a guest post.

Getting a loan is not a piece of cake. It might look as easy as walking into the bank and just walking out with the money. Various types of loans are available, and thus if you understand the loan options available, you can get the right amount from the right source. Be it a personal loan, a car loan, a housing loan or a mortgage; you might need to understand what it needs to get the loan approved. You might be familiar that your credit score plays an essential role in getting your loan approved, but that’s not the only thing. There are quite a number of factors that play a vital role in getting your loan approved. You can make it an easy process if you’re aware of the financial aspects that make an impact on the loan approval procedure.

We share with you 4 financial aspects that you need to know before you apply for a loan and you can get your loan approved with ease.

4 key financial aspects:

What’s your current financial status?

Yes, your current financial status can restrict or help you in getting your loan approved. Most lenders would be interested to glance through your current financial report for your savings and assets, current recurring debt status, repayment of those debts, and sometimes they even request for a detail of your spending and saving habits. Having major debts while you apply for a loan, can turn the tables and might refrain you from getting a loan approved. How much you pay for recurring debts would also be a factor to consider to the lenders. So, before you apply for a loan, consider your current financial record and how you can improve it.

Lenders would like to know your debt history, recurring debts, repayment history, savings and more. Some lenders are interested to glance at your cash flow. Also, some request for a detailed account of your spending habits and savings as well.

Additionally, lenders would like to know your equated monthly installment that accounts for the monthly payments you do to pay off the loan in a certain period. This will give an idea if you can afford the loan.

There may be other individual requirements too, depending on the type of bank or lender or the loan amount. There are quite a few lenders who would require access to your financial accounts to view your transaction and balance history.

Another important factor that plays a key role in getting your loan approved is your “income-to-debt ratio.” This gives the account for the amount of debt you have in comparison with your overall income. This factor is equally important as your credit score.



Your financial history plays a key role

Your financial history is the most essential financial aspect that can create a huge impact on your loan approval process. Your credit score would play the major role in giving the accounts of your financial history. It would give a clear account of, whether you’ll be able to repay your loan at the given point of time.

Your credit score provides the following details:

  • Length of credit history
  • Types of credit
  • New credits added
  • Payment history
  • Total amount you owe or owed

If you have a higher credit score, then you get lower interest rates on your loan. Having a bad credit score can get you thrashed with higher interest rates.

Apart from this, lenders also would request for your credit report. This would give all the requisite details of your past and current credit & debit accounts.

Your income, employment, and duration of your current employment

The other essential factors are your income and employment. Be ready to answer the following questions:

  • How much money you make annually?
  • Where do you work?
  • How long have you been in your current job?

Being in the same job for a few years might be an added advantage when compared with people who are self-employed or contract workers.

Your qualification

Confused? Perhaps this is yet another factor that can be an added advantage for your loan. Some lenders consider education an essential factor to determine your loan eligibility. If you have a degree with good grades, it can make a difference in your loan process. Some lenders even consider your standardized test scores such as SAT, ACT, etc.

Summing up:

When you look for loan options for any major investment, it is necessary to know about the loan options available and what the lenders expect from you. Keep track of your current financial situation along with your financial history before you walk in for a loan. Hope the above shared financial aspects would help you to prepare yourself before you apply for a loan.

James Paul is a personal finance blogger who writes at Basic Finance Care covering everything about personal finance management and frugal living.

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How I Made $1598 in Side Hustle Income the Third Quarter of 2017

How I Made $1598 in Side Hustle Income the Third Quarter of 2017This post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

What’s going on everyone? The third quarter has come and gone. I had a couple of ups and downs during the last few months. They won’t stop me from posting this side hustle income report though.

I enjoy reading other bloggers income reports. They are very motivating to me. That’s one reason why I started doing my reports. In the first quarter of 2017, I made $4900. In the second quarter, I made $3215. In the third quarter, I made $1598.10. That’s a sharp decrease from the 2nd quarter.

One reason that the amount was lower was that I didn’t do any freelance writing.  I lost my clients a few months ago, and honestly, I didn’t do much pitching. It’s not easy getting good paying clients so I figured that I should put my focus somewhere else.

During this time I was able to grow my eBay income even more. I’ve been able to study trends and research new items to sell. Since I’m writing less, I have been able to visit more thrift stores too.

I also took the time to create my first online course. It’s called The Beginner’s eBay Course. In the course, I go over several tips that will help anyone learn how to sell on eBay. For more info about the course go here.

The income numbers that you see below are after the fees but before taxes. It is also money that has been deposited in my account, not money that is pending. I’m not a fan of people including money in their reports that is pending.

The Breakdown

eBay – $761

For the first time, eBay was my highest form of side hustle income. Like I stated earlier, I had more time to focus on and I’m seeing some good results. I plan on having a big fourth quarter in sales. I currently have over 70 items listed. I realize that the more that I list, the more sales that I get.

Sponsored Posts – $471.27

Sponsored posts came in second this quarter. I get e-mails from people wanting to sponsor something on my site a few times each week. I probably accept a fourth of them. I only post sponsored articles from companies that I believe will provide value.

Affiliates – $125.19

My affiliate income is still a work in progress I’ve been testing out different ways to increase it. I can see it worked a bit since this income was a little higher than it was in the 2nd quarter. In due time, I want this to be my 1st or 2nd side hustle income stream.




Google AdSense – $107.26

I finally got another Google AdSense payment. As my traffic continues to increase, so will this income stream.

Other Ads – $40.49

I received a few payments from another of the ad networks that I work with. It’s similar to Google AdSense.

Other Sales Platforms – $39.11

Besides eBay, I also sell on other platforms including Facebook Marketplace, Offer Up and even Instagram from time to time. Since the amount that I made was only $39, I combined them.

StubHub – $28.78

I sold a couple of tickets to a concert on StubHub. It was literally the easiest money I made all quarter.

Miscellaneous – $25

The final income stream is Miscellaneous. I completed a couple of odd jobs and made a little cash doing it.

A lot of my side hustle income is due to me starting a blog. If you’ve thought about starting one, do it. There is no reason to wait any longer. Check out this post I wrote on how to create a website with Bluehost. Butler Journal readers can their website hosting and a domain for as low as $3.95 with this link.

Overall, my side hustle income was just ok during the third quarter. I know the fourth quarter will be better. I will have payments from the course and t-shirt sales coming in. Heck, if I find the right opportunity, I might even start back freelancing.

How was your side hustle income in the third quarter?

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4 Ways to Promote Your Blog

4 Ways to Promote Your Blog

One of the big reasons people with a blog have trouble, in the beginning, is because of their lack of promotion. For whatever reason, some people are scared to promote it. They think readers will just automatically come to their site. Life doesn’t work like that. You have to get out and let the world know that your blog exists. Below I’ve compiled four ways that EVERY person can use to help them promote their blog.

Social Media

The first way that you can promote your blog is through social media. The opportunities are endless. You have sites such as Facebook, Twitter, and Instagram to share your latest post with your friends and followers. If you’re like me, you don’t have the same people on each site so sharing things about your blog on each social media site is a must.

Make sure that you promote your posts several times a day. People are online at different times of the day for various reasons. If you post something in the morning, your followers that work at night might miss it. It’s good to post items at least three times a day.

YouTube

YouTube is the world’s 2nd biggest search engine. Making videos on YouTube gives you a worldwide audience. If your videos are quality, the benefits of uploading them could be huge depending on what your blog is about. You may be asking the question “What if I’m not good at creating videos?” There is a site called Fiverr where you can pay someone $5 to help do multiple tasks. One of the tasks that people can do on there is to create or edit videos for people. Make sure you check Fiverr out when you get a chance.

Word of Mouth

The third way to promote your blog is by using good old fashion word of mouth. I’m not sure why, but people don’t do this as often as they should. You can start off by telling your friends and family members first. Then you can ask them for referrals. Depending on what type of blog you have you can also talk to your colleagues about it.

Make a T-shirt

The last way that you can promote your blog is by getting a couple of shirts made and wear them around the town. I’m actually in the process of getting a few shirts printed that has The Butler Journal on the front. I plan on wearing them to places such as the mall or to sporting events. Make sure you get a couple of extra shirts printed as well. You can give those shirts to friends and family and ask them to wear them every once in a while. You can’t beat that type of free promo.

To summarize, the four ways of promotion that I discussed today are to use social media, create content for YouTube, use word of mouth and make a t-shirt. Since this post is about promoting, make sure you follow me on social media.

Facebook | Twitter | Pinterest

Which one of these ways has worked the best for you when promoting your blog? Do you have any other ways that you have used to promote that was listed?

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5 Haunted Locations in the United States

5 haunted locations in the united states

This post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

Can you believe that Halloween is two weeks away? A lot of people have been watching scary movies or preparing for costume parties all month. Whether you believe in ghost or not, several locations around the U.S. claim to be haunted. I’ve visited a few of these places. Today, I want to share with you five haunted locations in the United States.

Savannah, GA 

If you’ve been following my site, you know that Savannah, GA is one of my favorite cities. I went to college at Savannah State University and ended up living in the city for nearly nine years. During my time there, I have heard a lot of stories about the city being haunted. I have even been on a ghost tour down there.  I’m not 100% sure if I believe in ghost or not but, I will say that some things can’t be explained. I did see a couple of things that I couldn’t explain. Savannah is the oldest city in GA. Some of the areas that are supposedly haunted are Fort Pulaski, Bonaventure Cemetery, The Pirates House Restaurant and the Moon River Brewing Company.

New Orleans

New Orleans has a reputation for being a fun city to visit. That reputation is accurate, but that’s another post for another time. It has also has been labeled as one of the most haunted cities in the country. I have been to New Orleans a few times. I haven’t really seen anything too spooky. Some of the places that are considered to be haunted are St. Louis Cemetery No. 1, La Pavillon Hotel and Canal Street at City Park Avenue.

Alcatraz Penitentiary 

The third location on the list is Alcatraz Penitentiary. It is located in San Francisco, California. The Los Angeles Times described Alcatraz as “the most notorious federal penitentiary that the US has ever known.” Some of the well-known criminals that stayed there were Bumpy Johnson, Al Capone, and George “Machine Gun” Kelly. Alcatraz was very dangerous. There were many deaths and suicides when it was open. Many guards and officials claimed to have experienced supernatural activity. Alcatraz closed in the 1960’s. Today it is currently a museum.

St. Augustine, FL

St. Augustine is the oldest city in the state of Florida. It’s about 30-40 minutes south of Jacksonville. Some of the locations that are said to be haunted are the Spanish Military Hospital, The Old Jail, and the St. Augustine Lighthouse. You can choose from several haunted tours to check out.

Washington, D.C.

Washington, D.C is another area that is reportedly haunted. Several ex-presidents such as Abraham Lincoln and Thomas Jefferson are said to haunt the White House. Some of the other locations that may be haunted are The Capitol, The Octagon House, and The National Theatre.

I’ve been to a few of these cities before. I didn’t see anything spooky in any of them except Savannah. Maybe I need to visit the others in the future to find out if I see anything that I can’t explain.

Do you believe in ghost? Have you ever been to these 5 haunted locations in the United States?

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5 Side Hustle Mistakes to Avoid

5 Side Hustle Mistakes to AvoidWhat’s going on everyone? Raise your hand if you like a good side hustle. I’m sure many of you raised your hands. If you’ve been reading my site for a while, you know that I love a good side hustle. Side hustling has changed my life. I’ve been able to pay off some debt, save an emergency fund and do other things because of the side hustles.

Over the years, I’ve done several side hustles such as selling mix CDs. Selling t-shirts, freelance writing and flipping items on eBay. Those side hustles have done pretty well for me. That’s not always the case. I’ve made some side hustle mistakes over the years. If you are a side hustler, I’m sure you have as well. In today’s post, I want to share with you several side hustle mistakes that people can make.

Doing too many things at once

Sometimes people can want to change their financial situation so badly that they try to do multiple side hustles at one time. In most cases that will not work. Attempting to do too many side hustles is not the best idea. You can spread yourself way too thin. For example, how could you expect to make a lot of side hustle money if you are driving for Uber, freelance writing, doing odd jobs and taking surveys on Swagbucks? You won’t make nearly as much money trying to do all four of them as you would if you focused on two. I’d focus on the two that you like best.

In the past, I made a huge mistake trying to do too many side hustles. I failed miserably. My side hustle income started growing for the better when I focused on 2-3 side hustles. Narrowing down your list can be difficult for some, but you have to focus on 2-3 of them. Once you start making money from a couple of them and have a good system in place, then you can try some more. Just make sure that the income from the successful side hustles doesn’t suffer. You should also try a new side hustle if your previous ones didn’t make any money.

Not understanding a side hustle

Sometimes people attempt a side hustle without truly understanding it all the way. They do it because they see everyone else doing it. Doing that will waste your time, and it will potentially cost you money. I’ve seen a lot of people start blogging as a side hustle. They saw others doing it and immediately jumped into it. Three months later, they’ve stopped blogging and they also wasted money on a domain and hosting. They didn’t understand the work that comes with maintaining a successful blog. Before you choose a side hustle, make sure that you know everything about it. You will save yourself time and money by doing that.




Pyramid Schemes

I hate pyramid schemes. I fell for two of them before. I’ll discuss one of them here. The summer after my freshman year in college, I joined a company that promoted Noni Juice. Back then, Noni juice was the wave. The juice was made in Tahiti. It supposedly helped people with a lot of ailments such as high blood pressure and weight loss. It also was supposed to give people more energy. They had a great payout plan that showed how much money you could make with the company. All you had to do was pay a one-time startup fee, a monthly fee and sell about four bottles of the juice per month (The juice cost $40 per bottle). You could also make money by getting people to sign up under you. You would get a percentage of their sales each month.

As a 19-year-old, I ate that shit up. I couldn’t wait to make a lot of money selling Noni juice. A few months went by, and I quit. It was harder than I thought it would be. I sold about 5-6 bottles during my time. For selling those bottles, I got for a whopping $18. At that moment, I was angry that I wasted my time. Now I’m glad that I went through that experience. It was a hell of a learning lesson. I try to help my friends now and steer them clear of pyramid schemes.

If you’re on FB, you’ve seen several of these pyramid schemes over the years. Wake up now, 5 Linx, and Iso Tea is just a few of them that were out there. The people that used to bug you and jump in your inbox asking you if you had time to come to a presentation were not making any real money. If they were, all their posts wouldn’t be about trying to get 5 – 10 more people to sign up.

Doing a side hustle because your friends are

We all have friends that do different side hustles. Some of them may want you to join a program or participate in a side hustle that they are doing If you are not comfortable with it, then don’t do it. You don’t owe your friends anything. If they keep asking or bugging you, ignore them. It may not be easy, but you can’t afford to waste your time doing a side hustle that you are not interested in.

Rates too low

This is another mistake that I made. When I first started freelancing, my rates were too low. I was just happy to have clients. That was one of the biggest mistakes that I made. I should have raised my rates earlier. I was writing a lot and not making nearly enough. After discussing things with my mastermind group, I doubled my rates. It made a big difference.

If you provide a service to someone make sure that you review your rates. Time is money. There is no reason that you shortchange yourself. Most of your clients shouldn’t have a problem if you raise your rates. If they do, you’ll find other clients that value you.

Many people including myself have made side hustle mistakes over the years. They happen from time to time. Don’t beat yourself up if you’ve made one. Learn from it and move on.

What side hustle mistakes have you made?

 

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