Money Management

When the big game means a big party, it’s time to shop Sam’s Club. Check out some of the deals you can find. [[{“value”:”

Given the millions of people who watch it, we may as well declare a Big Game Day every year and make it a national holiday. Until then, you’ll have to settle for its unofficial holiday status, including throwing awesome parties that end up being about way more than football.

To ensure those awesome parties don’t foul your finances, be sure to check out the deals at Sam’s Club right now. You can find a ton of great game day gear, including these picks.

1. Big-screen TVs

Deal: Up to $600 off

Sam’s Club has a huge array of televisions to choose from, with a variety of brands, sizes, and features. And a lot of them are on sale right now. End dates for the sale vary based on the specific item; some end Feb. 14, 2024, while other sales are good through Feb. 25, 2024.

The one thing to note about buying TVs from Sam’s Club is the return policy. Most Sam’s Club items can be returned pretty much whenever, but TVs are part of the “electronics” exclusion. This means you’ll only have 90 days to return the TV for a refund.

2. Larson Power Reclining 3-Piece Theatre Set

Deal: $500 off

One of the greatest things movie theaters have done in the last decade is replace those old, creaky seats with comfortable recliners. You can get the same experience at home (minus the overpriced food) with the Larson Power Reclining 3-Piece Theatre Set.

It offers seating for three, reclines at the touch of a button, has a cupholder on each arm, and even offers storage cubbies in the armrests. And the normally $1,500 sofa is just $999 through Feb. 25, 2024. If you’re a Plus member, you also get free shipping.

3. Ninja Foodi PossibleCooker PRO 8.5 Quart Multi-Cooker

Deal: $20 off

I bust out my multi-cooker for just about any gathering. For the holidays, it’s my go-to cheat for easy mashed potatoes. If I’m looking to throw a party, a bunch of meatballs in a yummy sauce can simmer in a slow-cooker for hours — and they just keep getting better.

The Ninja Foodi PossibleCooker PRO 8.5 Quart Multi-Cooker has eight function settings and a nonstick pot. It also has a remarkably great price when you buy it from Sam’s Club. In fact, the regular price is already lower than you’ll find anywhere else, plus you’ll save an extra $20 through Feb. 25, 2024.

4. Member’s Mark Ready to Cook Chicken Wings

Deal: $4 off

Chicken wings are a game day classic because, well, they’re yummy. They’ve also gotten very pricey in the past few years. You can keep the tradition alive and well — without killing your budget — with these Member’s Mark Ready to Cook Chicken Wings.

These frozen wings include flats and drums, and they come in 10-pound bags so you’re sure to have plenty for the whole party. They’re on sale for $4 off through game day (Feb. 11, 2024).

5. Milk-Bone & Pup-Peroni dog treats

Deal: $3 off

A lot of people party food isn’t great for doggo tummies — seriously, don’t feed your dog fried food, you will regret it (and so will your carpet) — but these treats are perfect for pups! Let the canine members of the family join the celebration with their own version of party snacks.

Even better, you can save while you do it. Right now (and through Feb. 25, 2024), Milk-Bone and Pup-Peroni brand dog treats are $3 off their already-great regular prices. There are even a variety of options, from crunchy treats to chewy ones, so your pup can get the type of treat they prefer.

Big buys for the big game

Whatever you need for game day, Sam’s Club probably has it — and in bulk. And if ever there’s a time to make use of those jumbo-sized servings, it’s for a big party.

While Sam’s Club has tons of great prices, make sure you’re still shopping around for the best deal. As the old saying (sort of) goes, a penny saved through comparison shopping is a penny earned.

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Boosting your finances can be as simple as creating a budget you’ll stick to or setting up autopay. Check out more simple, powerful steps you can take. [[{“value”:”

Improving your finances is a common new year’s goal, but it can be difficult to know where to start, what you have time for, and what will make a significant impact. If you’re looking to take advantage of the fresh-start effect that comes with a new year, though, focusing on the simpler, but still effective, aspects of your financial life is the best approach.

Here are five simple steps you can take to start improving your finances in 2024.

1. Track your spending to get your baseline

For some of us, there’s a bit of a disconnect between our ideal spending habits and how we actually spend money on a daily basis. That’s why it pays to track your spending and — most importantly — review those habits to understand your starting point.

That may sound time consuming, but if you’re willing to use a budgeting app that links to your various accounts, it can actually be done passively on your behalf. Or, for a bit more work (but more financial privacy), you can instead download your statements and do the math. This option also has the benefit of letting you double-check that there aren’t inconsistencies or fraudulent charges to your account.

2. Create a budget that actually works

The idea of budgeting can feel restrictive and boring, so it makes sense that you may want to defer to an established method, like the 50/30/20 budget. That says that half your money should go toward necessities, 30% should go to wants, and 20% to savings and debt. While this can be a useful starting point that provides clear-cut rules, the 50/30/20 budget doesn’t work for everyone, so you may need to make adjustments to fit your lifestyle or needs. For a more flexible option, you may prefer an option like zero-based budgeting, which essentially means you give every dollar you make a specific job based on your needs.

Using your spending habits as a guide, you can also see what your values and priorities actually are. From there, you’ll be more equipped to make choices about what needs to change, what you aren’t willing to compromise on, and if there are any purchases you want to go without.

Your perfect budget should ultimately be based on your circumstances and should adjust as those change.

3. Roll over old 401(k)s to an IRA

If you’ve ever gotten a 401(k) but haven’t rolled it over to an IRA yet, this is your sign that it’s time. Why? For one thing, you may be able to access investments and educational features that weren’t available to you back then. And this way, you won’t forget that it exists come retirement. Plus, your new IRA brokerage may offer better features, such as access to educational materials to help you invest.

The exact steps will depend on the company that holds your old 401(k) and where you’re planning to house your new IRA. For example, you may have to call your brokerage to notify it of your direct rollover and have it send you a check, which you send along to your new broker along with your new account number. It may be simpler if you’re sticking with your current brokerage, but you should always shop around to make sure you’re getting the best account and features.

4. Set up automatic payments and savings transfers

Assuming you have a somewhat predictable payment schedule, setting up automatic payments for your various accounts can be a quick, easy way to make sure you aren’t getting hit with late fees. This will also shield your credit score from the damage that late payments create, which is important if you have plans to take out a loan or otherwise leverage your credit in the future.

Since you already have a workable budget in place, you should know how much you can afford to transfer to your savings accounts each month, too, so it makes sense to automate that as well. Ideally, you’d schedule these savings transfers to go out right after you get your paycheck. That way, you won’t be tempted to touch that money since you wouldn’t have access to it. You should also note that you should have the option to skip transfers to avoid overdrafts.

5. Switch to a high-yield checking account

If you’re still banking with a company that doesn’t offer interest on your checking account funds, you’re missing out. In fact, interest rates have been quite high for high-yield checking accounts, and right now you may be able to find rates up to 5% APY. With a $5,000 balance, for example, you could earn about $250 per year with a 5% interest rate, and you wouldn’t have to lift a finger. Of course, rates on these accounts fluctuate, just as your actual balance may, so your earnings would vary as well.

Managing your personal finances can be tricky, but with these simple, effective steps, you’ll be better equipped to tackle those bigger goals and improve your overall financial health in 2024.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

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It’s getting easier to use your EBT card to shop for groceries online. Learn more about how it works and how to find the best deals. [[{“value”:”

SNAP food benefits help millions of families put food on the table. Benefits get paid via an EBT card, which can then be used like a debit card to buy certain groceries. The system isn’t perfect, but it is still a powerful part of the fight to combat hunger.

One of the big changes we’ve seen in recent years is that you can now use your EBT card to buy groceries online. Given that some lower-income families live in what’ve been dubbed “food deserts” because of the limited access to healthy foods, grocery delivery can make a big difference. For people whose mobility is limited or who don’t have access to transport, the impact can be even greater.

UberEats says it will start accepting food benefit payments this year. Read on to find out what apps already take online EBT card payments and how to make sure you’re getting a good deal.

1. Instacart

Instacart first started working with SNAP participants in 2020 and the service now works in all 50 U.S. states. Check the Instacart site to see which stores in your area will accept EBT payments. Be aware that you’ll also need to add a debit or credit card to your account to cover other costs like taxes, tips, and non-EBT items.

Right now, Instacart is offering new customers free delivery on their first three orders. It will also give EBT customers half-price membership on its premium Instacart+ service in the first year. That brings the price down to $49.50 a year. Membership gives free delivery on orders over $35 as well as lower service fees.

2. DoorDash

DoorDash started accepting EBT payments last June with a number of its grocery partners. It offers SNAP participants two months of free membership on its premium DashPass membership. DashPass costs $9.99 a month or $96 a year, and gives free delivery on certain orders as well as access to special deals.

3. Amazon

There are two sides to Amazon’s grocery delivery service: Amazon and Amazon Fresh. Both accept EBT cards for qualifying produce. Amazon launched a program called Amazon Access at the end of 2022, which gives half-price Prime membership to SNAP recipients. This means you can get the benefits of Prime for $6.99 a month, as well as find other discounts through the portal.

Using delivery services to make your SNAP dollars go further

Most of the grocery apps above work in a similar way. You’ll need to add your EBT SNAP information under account settings and you may need to upload a document to verify your status. Then you can look for products marked as SNAP- or EBT-eligible and put them in your basket. Make sure the app covers your location and won’t charge extra to deliver there.

Putting the practicalities aside, it’s important to make sure these apps don’t wind up costing you money. Here are some ways to get the best value out of delivery apps:

Look for hidden costs

Even with discounts on premium services, the fees on delivery apps can get expensive quickly. Watch out for markups on prices, too. I recently did a quick comparison of 10 common items on Target’s website and its Instacart store and found prices were about 20% more expensive.

Compare prices

The great thing about shopping online is that it is easy to compare prices. Check on other websites or use a price comparison tool to see if you can get a better deal on items you buy regularly.

Know what you can use your SNAP benefits for

You can use an EBT card to pay for most foods, including meat, fish, fruit, vegetables, and dairy. But SNAP won’t pay for hot food, alcohol, pet food, or cleaning supplies. You also can’t use food benefit money to pay extra app-related costs such as delivery charges, membership fees, or taxes, either.

Look for extra savings

You can still use coupons and cash back apps with some delivery apps. For example, Ibotta works with Instacart, Walmart Grocery, and other online grocery services.

Buy from the store’s own website

In many cases, you will find it is less costly to go directly to the store’s website rather than use a delivery app. ALDI, Walmart, Target, and Kroger all take EBT payments online and deliver.

Buy in bulk

Delivery services make it easier to access bulk buying savings. If you are worried about the upfront cost, or don’t think you’ll eat your bulk purchase before the sell-by date, see if you can split the costs with a neighbor or family member.

Bottom line

Delivery apps can be an easier way to do your grocery shopping, especially when time is limited. They can also give you access to lower-cost stores and a different range of products. But if you’re using your SNAP benefits to get food delivered, pay attention to any hidden costs that will impact your personal finances. The service fees and price markup can add up and quickly wipe out any savings you scored.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Emma Newbery has positions in Amazon. The Motley Fool has positions in and recommends Amazon and Uber Technologies. The Motley Fool has a disclosure policy.

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If you’re spending $20 a week on small items, it can add up to over $1,000 a year. Find out how to re-write your spending stories. [[{“value”:”

Most of us fall into the “it’s only” spending trap once in a while. It might be that you need cash and there are no in-network ATMs nearby. You think, “It’s only $4 to use the one right in front of me.” Or there’s a half-price discount trial period on a subscription service that’ll “only” cost you $6 a month. Or the barista in a coffee shop offers you a chocolate brownie and you think, “It’s only a couple of dollars.”

Don’t panic, this is not going to be another article that tells you to skip the store-bought coffee (or even the brownie). It’s about how the words “it’s only” can derail your personal finances, sometimes without you even noticing it.

My small purchases added up to over $1,000 in 2023

Last year did not go to plan for me. Some big life changes upended my financial plans, and I felt like I spent most of the year in crisis mode. It happens. One consequence was that I took my eye off the ball financially. When I reviewed my spending, I saw how much I’d spent on small purchases, in part because I was running just to stand still.

This year, I set out to be more conscious about my spending. I wanted to understand my habits and the thinking patterns that cause me to waste money. I realized that I frequently use the words “it’s only” when I spend money unnecessarily.

My “it’s only” traps are things like a chocolate bar here, a slightly more expensive bottle of wine because it’s on offer, takeouts, grocery delivery, pre-made food, an Uber or three…the list goes on. None of them are bad in and of themselves. But I spent about $20 a week on little extras that I didn’t really need and that didn’t add much to my life. If I’d saved that $20 a week, I’d have an extra $1,000 in my bank account right now.

I’m not going to cut out all the costs listed above in 2024. It’s just that when I treat myself or pay for delivery, it will be a conscious decision. I have a budget, and it includes money for things that give me joy. Now, when I catch myself thinking “it’s only,” I stop and ask myself if this is something I want and am willing to spend my fun money on.

How to avoid regretting your small purchases

There are many reasons people put off making a budget. It might be because they aren’t sure where to start, they don’t enjoy tracking their spending, or they don’t want to change their spending habits. Perhaps there’s too much else going on and budgeting always gets pushed to another day.

All those are understandable. Even so, the best way to avoid money regrets is to know how much you can spend on different parts of your life. Consider a broad money system like the 50-30-20 budget, where you put 50% of your income toward essentials like housing and utilities, 30% toward the fun stuff, and 20% toward savings and investments. If you aren’t a fan of spreadsheets, test drive a few budgeting apps to see which ones work for you.

Here are a few moves that can help you keep your spending on track.

Practice mindful spending: Cutting back on unnecessary spending means you’ll have more money for the things that matter to you. For example, I love jewelry making. Last year, I couldn’t buy the tools I wanted because I’d spent that money on things I didn’t really care about.Set up automatic transfers: I was initially reluctant to set up automatic monthly transfers to my savings and investments because I get nervous about accidentally overdrawing my checking account. The flip side is that once that money’s gone into my investment account without any action on my part, it’s gone. I can’t spend it on unnecessary purchases or forget to make the transfer.Use different accounts: Multiple checking or savings accounts can make it easier to manage your money — especially if you’ve allocated a percentage of your income to different categories. For example, you might have one account for your spending money, one for essential bills, a savings account for your emergency fund, and another for your vacation savings.

Key takeaway

We all have unhelpful ways of thinking that can upset our financial plans. Identifying them and implementing strategies to overcome them differently can be a powerful tool. This year, when I catch myself thinking, “It’s only $5,” I’ll change my tune. Instead, I’ll tell myself, “That $5 could add up to $1,000 this year.” And I already know what I want to do with that $1,000.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Emma Newbery has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Uber Technologies. The Motley Fool has a disclosure policy.

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When it comes to savings accounts, you don’t have to keep up with the Joneses. You just need enough to meet your needs. Read on to learn more. [[{“value”:”

According to all indicators, inflation is cooling, but you sure can’t tell by the state of the average American’s savings account. A recent survey by The Motley Fool Ascent found that the typical American household has $1,200 in their savings account. While that’s enough to cover minor emergencies, it won’t be enough to get someone through if they’re hit with a large medical bill or suddenly laid off from their job.

We don’t share this information to make anyone feel bad or to cause worry. We do so as a reminder that we can all stand to focus on how much we have in our emergency funds. Here, we’ll share some of the more surprising statistics uncovered in our survey. We’ll also touch on a few tips that may make putting a little money away each month easier.

1. For the majority, it’s $5,000 or less

Of those who have money in savings, the largest percentage (22%) report having $5,000 or less. If that describes you, don’t be discouraged because you’re certainly on the right track. Given the state of the economy since the onset of the pandemic in 2020, saving money is an accomplishment.

Tip: If you’re looking for a way to earn a high interest rate on your savings account while ensuring it’s available to you in an emergency, it’s tough to beat today’s rates on high-yield savings accounts. It’s the best of both worlds — accessibility and a high APY.

2. 29% have a separate emergency savings account

The survey found that 29% of respondents have set up a separate account to hold their emergency fund. While there’s no rule saying emergency savings must be separate from “regular” savings, there are a few associated benefits. For example:

A separate savings account makes it easier to remember to keep your hands off money you may need in an emergency.A separate emergency savings account means you can move money from your regular savings account to a higher-interest vehicle like a certificate of deposit (CD) and still have emergency funds readily available if and when you need them.

Tip: If you take a look at how much interest CDs are earning today, you’ll see how much money you can earn absolutely risk-free (assuming your bank has FDIC insurance).

3. 54% of us say we have enough put away to cover three months’ worth of bills

The general rule of thumb regarding emergency accounts is that we should have enough money to pay three to six months’ worth of bills. That doesn’t mean you need to be able to cover three to six months’ worth of income. You only need enough to pay bills during that time. Let’s say your company furloughs you for a few months. If your basic bills run $3,000 a month, the goal is to have at least $9,000 tucked away. It may sound impossible, but it’s not. In addition to adopting creative ways to save money, you can simplify how money gets to your savings account.

Tip: It sounds ridiculously easy, but automating deposits to savings is one of the best ways to build that account. For example, if you look at your budget and determine you can afford to divert $15 a week from checking to savings, ask your bank or credit union to make the automated transfer for you. Nearly every financial institution offers this service, and it’s easy to set up.

Saving $15 a week may not seem like much, but it can grow impressively fast. By automatically having $15 deposited into your savings account each week, you’ll have $2,715 available after one year. That’s a great place to start. Once you’re accustomed to $15 a week, you may find that you can raise it to $20. If you can’t immediately save enough to cover three months’ worth of bills, that’s OK! The point is to do what you can.

There’s an adage, “How do you eat an elephant? One bite at a time.” That saying reminds us that anything that seems overwhelming or impossible can be accomplished. You just have to take it one small step at a time.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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What if you could get cheaper car insurance from inside your vehicle? See how telematics car insurance from Ford, GM, or Tesla can help you save. [[{“value”:”

If you’re tired of the pain of rising car insurance prices, you might have heard of a special type of insurance called “telematics car insurance.” With telematics, you can sign up to share some of your driving data with your auto insurance company. By showing that you’re a safe, responsible driver, you can earn lower prices on your auto insurance premium.

However, not everyone wants to sign up for telematics car insurance. Some insurance companies’ telematics apps have gotten lackluster reviews, and some people might not want to plug a telematics device into their vehicle. Some customers have complained that the telematics insurance did not deliver the hoped-for cost savings.

What if there was another way to do telematics car insurance? Well, you’re in luck: Depending on what car you drive, you might be able to get safe driving discounts from your car company. That’s right — some car companies are now offering car insurance that comes built into your connected vehicle.

Let’s see how this special type of auto insurance works and why you might want to get car insurance from inside your car.

How car insurance from your car company works

Connected vehicles are equipped with digital tools that let the cars communicate with the internet via wireless technology. A connected vehicle can provide extra safety features, easier communication and entertainment interfaces, or even serve as a rolling wifi hotspot.

But there’s another way that connected vehicles can improve your driving experience: Some connected vehicles can connect to lower-cost car insurance. Ford, GM, and Tesla have all recently started offering telematics insurance that works with these companies’ connected vehicles.

Here are the companies (and vehicles) that offer telematics car insurance from inside the car:

Ford Insure: Available for Ford connected vehicles of model year 2020 or newerGM’s OnStar Insurance: Available for Buick, Cadillac, Chevrolet, and GMC vehicles that are model year 2016 or newerTesla Insurance: Available for Tesla Model S, Model 3, Model X, or Model Y

Not all of these insurance plans are available in every state. For example, as of Jan. 26, 2024, Tesla Insurance was available in 11 states, and OnStar Insurance was only available in three states. Ford Insure has the best nationwide reach, with availability in all states except for Alaska, Hawaii, Louisiana, Massachusetts, and Oklahoma.

Why telematics car insurance could be a better deal from your automaker

If telematics car insurance is on your radar, chances are you’re feeling fed up with auto insurance rate hikes. You want to take control of your premium and get rewarded for responsible driving. So what’s holding you back? Let’s explore a few specific reasons why telematics car insurance from your car company’s insurance might be a better choice than from other insurance companies.

You’re already sharing car data

Some people are reluctant to sign up for telematics car insurance because they don’t want to share driving data with their insurance company. If you drive a connected vehicle, you might already have a higher comfort level with sharing data with your car company. For example, Tesla electric vehicles receive regular software updates over the air, like a smartphone.

If you have a good relationship with your automaker, you enjoy connected vehicle capabilities, and you don’t mind sharing data via connected vehicle, telematics car insurance could be a logical next step. (But read the fine print to make sure you’re comfortable with how your data is used as part of any telematics car insurance program.)

Read my lips: No new gadgets

Signing up for telematics car insurance, even from the best car insurance companies, can sometimes feel like an extra chore because you have to download an app or plug in a new device to track data. If you’re tired of fiddling around with apps and gadgets, getting car insurance from your auto company might be a better solution.

If you get car insurance via connected vehicle technology, there’s nothing new that you have to do. The telematics technology is already there within your connected vehicle. You just have to agree to sign up for the car insurance and share your data. No fuss, no muss.

Bundle insurance and save

Ford Insure offers a range of surprising ways to save money on insurance, like bundling home and auto insurance, or even bundling pet insurance. Don’t assume that your savings options are limited to the telematics safe driver discounts.

Bottom line

If you’re tired of the skyrocketing cost of car insurance and you drive a connected vehicle from Ford, GM, or Tesla, you might want to consider switching car insurance to your car company. Ford Insure, GM’s OnStar Insurance, and Tesla Insurance all offer unique ways to save money with built-in telematics insurance. This “car insurance inside your car” can help you get rewarded for safe driving, without any extra gadgets or hassles.

Our best car insurance companies for 2024

Ready to shop for car insurance? Whether you’re focused on price, claims handling, or customer service, we’ve researched insurers nationwide to provide our best-in-class picks for car insurance coverage. Read our free expert review today to get started.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has positions in and recommends Tesla. The Motley Fool has a disclosure policy.

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