Fall and Halloween Crafts at Dollar Tree!

Fall is right around the corner, and that means it’s time for Fall and Halloween crafts!

If you follow me on Instagram, you might have seen my post last week. Many of our local Dollar Tree stores are well stocked with Harvest, Halloween, and Dia de Los Muertos crafting supplies.

I love the paintable skulls, and the large wooden cutouts (I got a pumpkin).

If you are looking for some craft ideas, check out the Dollar Tree Blog. They have some cool ideas, I love their wreath ideas!

I’ll be posting pics when I get my wooden crafts painted. Make sure to check out my Instagram account for lots of crafts and other fun stuff!

 

 

 

How To Recoup Bank and Credit Card Fees

If you use credit cards or ATMs, you have probably been charged fees. Finance Charge fees and Out of Network ATM fees are a few ways that financial institutions make money by loaning us or handling our money.

In the past there was no way of avoiding paying those charges- once you paid them, the money was gone.

Now there are websites, apps, and programs that can help consumers recoup the fees that they have paid out. Here are a couple that I have looked into or used.

Harvest links your bank accounts and credit card accounts to their AI and once every 90 days you can request their program contact those institutions on your behalf to credit previously paid fees. Harvest takes a portion of those fees. Harvest was not able to get any money back on my behalf. I have only been using it for about 50 days. Once my 90 days are up and I can re-negotiate, I will try it again.

Cushion: I looked into Cushion, but did not use it, because it costs on average $50/year. I don’t have a lot of outstanding debt, so there was no way that I could save that much from their AI negotiations. Also, there is this:

Basically, you don’t get the money credited back to you, you earn “rewards” through Cushion’s program. A quick internet search leads me to believe that it’s mostly Amazon Gift Cards, which as much as I love Amazon Gift Cards is not what I want. I want cold hard cash in my hot little paws.

I recommend that everyone look at their bank account at least monthly (I do it once a week when I balance the checkbook-yes, I do that) and look for any fees or charges that may not look familiar. Doing the same with your credit card statement when it comes as well is a great idea. Recently I caught a $90 charge that was fraudulent. A quick call to American Express and I filed a dispute, the charge was removed and all is well!

If you find a lot of ATM usage fees on your bank statement, download your banks app to locate fee-free ATMs. My credit union has fee-free ATMs at 7/11’s!

Note that I use the term Bank- I use this interchangeably for credit union, as that’s what I use. I have been a member of a credit union for almost 30 years. There is no monthly fee for having a checking or savings account, and I have my car loan through them as well (the rate is really low). Credit Unions are great because they offer low rates, and no or low account fees. And usually, membership is free.

If you have used a service like Harvest or Cushion with success, I’d love to hear your results! Leave a comment below.

 

Cents of Style: Fall Sweaters WITH POCKETS!!

Yup, you read that correctly- Sweaters with POCKETS! I don’t know why, but I love functional pockets.
Graphic Sweatshirt

With five designs to choose from in sizes XS-3XL, these babies won’t last long. Now through 10/21/19 they are just $24.95 and FREE Shipping w/code: SNUGFALL

This is the one I ordered:

Graphic Sweatshirt

I love the different styles and sizes that Cents of Style offers!

San Diego Local Halloween and Fall events for Kids!

7be30acaf94af3fc23ce78b5df96f46cHalloween is just TWO WEEKS AWAY!! Are you ready? Thankfully I only have a few last-minute tweaks to make to the big kids’ Knight Costume, and Little Miss’s Elsa dress is store-bought (much to my chagrin).

Trick or treating door to door isn’t really popular in our area, but a lot of churches and civic groups host carnivals or events either on Halloween or on the weekends leading up to it, so there is no shortage of fun for the kids.  If you are in San Diego County, here are just a few fun events that we’ve enjoyed in the past:

10/25/19:

10/26/19:

10/31/19:

a9e9d4b9823ec9482155e106114ca37cDon’t Forget HalGLOween at the San Diego Zoo! And most YMCA locations host a Halloween event that has a small fee, but has lots of fun games, crafts, and candy.

And if you are looking for tons of fun, don’t forget that Brick or Treat is still going on at Legoland California, tickets are on sale here.

Talk Back: If you know of a free, fun Halloween or harvest event for kids in San Diego County, please leave a comment. 

Harvest Festival Original Art & Craft Show Comes to San Diego this Fall!!

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Showcasing a colossal collection of handmade creations, the Harvest Festival Original Art & Craft Show, comes to three key southland locations this fall with more than 24,000 original works from hundreds of exhibitors nationwide. As an all you can eat buffet for the senses, the artful celebration boasts live entertainment, strolling performers, a Kidzone, demonstrations, contests, and more.

This marks the 47th season for the Harvest Festival, a treasured event recognized as the largest and most prestigious indoor showcase on the west coast. Multi-talented artists & crafters will showcase their originals of stunning jewelry, clothing, specialty foods, photography, oils, hand-turned wood, ceramics, eclectic art pieces, seasonal decor, ornaments, blown glass, and much more. Patrons know with confidence that each of the works is made by hand and selected only after meeting criteria for excellence. Adding to the memories, many of the artists can personalize items for that special touch.

I am so excited to take the family and check out the fun this year! I’ll be posting pics and vids from the event on Instagram and Facebook!

Beyond the hundreds of artists and entertainment, each showcase collaborates with local non-profits to fundraise in support of community programs. General admission tickets are $9, while seniors (62+) and military are $7, youths ages 13-17 are $4, and kids 12 and under are free. Tickets are good for the entire weekend and return visits. Entrance for groups of 10 or more is $5 with advance sign up. Information and advance tickets are available here or call 925/ 392-7300.

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Del Mar Fairgrounds: October 11-13 (Hours: Friday 10am-5pm; Saturday 10am-6pm; Sunday 10am-5pm)
2260 Jimmy Durante Blvd., Del Mar, CA 92014

SAVE $2 at Del Mar Harvest Festival Original Art & Craft Show – SAVE $2 with this coupon on 1 adult, 1 senior or 1 military admission at Del Mar Harvest Festival Original Art & Craft Show from Oct. 11-13, 2019. *This coupon must be presented at entrance, mention US FAMILY GUIDE. It must be downloaded and printed off. It will not be accepted on a mobile device. Thank you in advance for your understanding.

 

 

@usfg