Coupon Tuesday!

Hollister – Save 20% off your entire purchase online (enter code 3017 at checkout) or print the coupon below for in-store
http://www.printablecouponfeed.com/hollisterco/25870

LL Bean – Save 10% by using coupon code LLBFRIENDS10 at checkout
http://www.llbean.com/

Abercrombie – Save 20% off your entire purchase. Enter code 1017 at checkout.
http://www.abercrombie.com/webapp/wcs/stores/servlet/home_10051_10901_-1

Folica.com – Save 25% off your purchase of $50 or more plus FREE shipping! Enter code MISSYOU25 at checkout.
http://www.folica.com/

DSW – Save 10% off your purchase. Enter code 920 at checkout.
http://www.dsw.com/

Costume Super Center – Save 15% off your purchase. Enter FF15 at checkout.
http://www.costumesupercenter.com/boys+costumes-spiderman.html?PID=OOTtr9mlaCk&siteID=OOTtr9mlaCk-sOmVDW1Lgcdg.5wqEwCptQ&cd=aff&lspid=OOTtr9mlaCk

Coupon Tuesday!!

Shoebuy.com – Save 20% off your purchase plus FREE shipping. Order by 4 pm EST and get same day shipping.

http://goo.gl/9ejd

Bath and Body Works – Save 20% online by entering code F102459 at check out – thru 10/10

http://www.bathandbodyworks.com/home/index.jsp

Oriental Trading – Save $10 off orders of $79 or more or $5 off $59, plus FREE shipping. Great for upcoming holiday parties! Enter code WCE9842 at checkout – TODAY ONLY!

http://www.orientaltrading.com/

Children’s Place – Save 20% off all purchases now thru 11/15. Enter code H9ATRMT610A at checkout or print in-store coupon from their website.

http://www.childrensplace.com/webapp/wcs/stores/servlet/home_10001_10001_-1

JC Penney – Save 15% during the month of October. Enter code SUROCT10 at checkout.

http://www.jcpenney.com/jcp/default.aspx

Boston Market (printable) – Save $1 on individual plate, $2 off $10 purchase or $4 off $20. Print here!

http://www.bostonmarket.com/restaurant?page=coupons

Sears – Save $5 off your purchase of $50 or more in-store thru 10/16

http://goo.gl/ZHlO

Store Credit Cards - To apply or not to apply?

It never fails. I go into a store, browse around, try on a few things and then bring the items I settled on to the register. It’s then that I mentally prepare for the shutdown as I like to call it. That moment when the cashier says “would you like to apply for our store credit card and save 15% on your purchase today?” It’s sooo tempting. An extra 15% off a $200 purchase isn’t too bad of a deal. However, take this into consideration first. Is saving that $30 upfront going to be worth it if you are hit with interest charges at rates upward of 27-30%? Also, there is another little know fact. Every time a creditor, store or lender pulls your credit report, it lowers your score by 2 points! Doesn’t sound like much? It can be if you already have a low score to begin with. Or if you are on the brink of buying or leasing a new care, home or apartment. Additionally, the more open, available revolving credit that you show on your credit report can decrease your income to debt ratio. Which can prove to be a huge risk to creditors trying to extend you credit. Your best bet is to stick with cash, your good old Visa/Mastercard/AMEX and look for coupons to save you that 15% or more. Unless you’re a heavy shopper at that store and are disciplined enough to pay that balance before your bill, its best to steer clear of those store cards. It’s not worth it in the end!