Nicole Hoekstra

Things I am Passionate About:

I am very passionate about saving money and helping others do the same! A couple of years ago we took Dave Ramsey's 'Financial Peace University' class at our church and it completely changed our financial goals & desires and made us much more responsible with money! Because of that class I can say that we live a DEBT FREE life...and it feels GREAT!

I always thought that if someone drove an older car, used coupons, searched for sales, etc than they must have money problems...NOT TRUE! God wants us to live modestly and be good stewards of money so that we can glorify Him, not our possessions.

Below are some websites that I recommend for financial education & saving money. Enjoy, and please SHARE with others!

Wherever your treasure is, there the desires of your heart will also be. Matthew 6:21

Budgeting Tools

Free Budgeting Software (monthly)

Mortgage Calculator

Rent vs Buy Calculator

Request Your 3-Bureau Free Credit Report (annually)

What Can You Afford (m ortgage)

Business Recommendations

Trustfax.com (send & receive faxes via your computer)

Mozy.com (computer backups; no hardware required)

Surveymonkey.com (conduct surveys - free service)

Statcounter.com (track your website/blog statistics - free service)

Roboform.com (auto-fll forms; password generator, username & password storage)

Mycontactform.com (create a clean, profession contact form for your website/blog - free service)

Constantcontact.com (send email newsletters and more to your contacts)

College Savings

Upromise.com (affiliated with Publix)

Coupons

All You Magazine (each issue includes tons of coupons, money saving tips, a free product testing program and more!)

Discountednewspapers.com

Homesolutionsnews.us (Airwick, Finish, Lysol and more)

Sundaysaver.com (Sunday paper coupon inserts preview)

Coupon Codes (for online purchases)

Couponcabin.com

Promotioncode.org

Retailmenot.com

***Click HERE for Couponing Tips***

Education

Drive Free, Retire Rich

Financial Peace University

How to Balance your Checkbook

MYTH - Keeping a Mortgage for Tax Deductions

Events

Houseparty.com (host a party and receive free stuff for you and your friends!)

Pgeverydaysolutions.com (receive a sample pack in the mail once per quarter - you must request it each quarter to receive it)

Shop4freebies.com

Startsampling.com

Thatfreebiesite.com

Vocalpoint.com (receive free samples, coupons and more)

Walmart.com

Group Discounts on area Events/Services

Eversave.com

Groupon.com

Livingsocial.com

Internet Printable Coupons

Cellfire.com (coupons to your cell phone - data plan required)

Product Reviewing

Product Testing

Mycouponhunter.com (My favorite - local: Dunedin, FL)

Rewards Programs

There are too many to list, and this can also vary greatly according to each persons likes/interests. Some of my favorites include Pampers Gifts To Grow, Tropicana Juicy Rewards, Staples, Recyclebank.com, a variety of restaraunts & more.

Rewards Sites

Ebates.com (receive cash back for online orders, get coupons, receive free samples & more)

ShopAtHome.com (receive cash back for online orders, get coupons, receive free samples & more)

Swagbucks.com (earn points for searching the internet, taking surveys & more)

Shop & Save

Some of my favorite places to shop are Amazon.com (no tax often times free shipping), ebay.com (I suggest buying from top-rated sellers) & Craigslist.org (for local items). I also suggest subscribing to your favorite stores weekly emails, as you get to preview sales before they come out. This gives you time to gather your couons together, etc. Also, you may find out about unadvertised sales this way!

Surveys Sites

Inboxdollars.com (survey, get paid to read emails and more)

Thredup.com (trade childrens clothing)

Swapmamas.com (trade items with others including clothes, coupons & SO much more)

Target.NextWorth.com (trade in electronics for a Target gift card)