Author: troyashbacher

Target is offering 30% off this week on Threshold and Casaluna bedding and bath items.   There are a ton of items included from sheets to throws to towels.  This might not seem like a great deal but the lowest Target tends to go is 40% off and that is extremely rare to see.  It might be worth picking up your items at this price and you can always get the difference refunded if things go on deeper sale for Black Friday.   See all the bedding items included in the promotion here.  You can see all the bath items by clicking…

Key Takeaways The average American had just over $105,000 in total debt as of the third quarter of 2024, according to last data release from Experian.Knowing how much you owe compared with others can give you a relative sense of your financial health. If you’re wondering whether your debt is out of line with the average American, seeing if you’re above or below the benchmark of $100,000 in total debt is a good start. As of the third quarter of 2024, the average American had about $105,056 in total debt, up 0.8% from the same time a year prior. The…

Make your cash gifts look chic and intentional with these printable cash gift envelopes — perfect for Christmas, birthdays, weddings, graduations, and every special occasion! Each envelope features an elegant, sophisticated design that turns simple cash or gift cards into a thoughtful, polished present. If you’re looking for a beautiful and thoughtful way to give cash, these printable cash gift envelopes are the perfect solution. Whether it’s for Christmas, birthdays, weddings, or any special occasion, they make your gift look elegant and intentional—no plain white envelopes here! Cash gifts are always appreciated, but presentation makes all the difference.…

Futures MoversLast Updated: Nov. 9, 2025 at 10:28 p.m. ETFirst Published: Nov. 9, 2025 at 6:20 p.m. ETU.S. stock futures gained Sunday, despite coming off the worst week for tech stocks since April, as investors welcomed a tentative Senate deal that may soon end the government shutdown.Dow Jones Industrial Average futures YM00 jumped 100 points, or 0.2% late Sunday. S&P 500 futures ES00 gained 0.7% and Nasdaq-100 futures NQ00 rallied 1.2%. Bitcoin BTCUSD topped the $105,000 level after a nearly 3% rise in the past 24 hours. West Texas crude futures CL.1 gained 0.8% and gold futures GC00 advanced 1%. The ICE…

Cash Envelope Budgeting For Beginners – Penny Pinchin’ Mom Facebook Pinterest Twitter

KEY TAKEAWAYS The IRS is suspending the Direct File program, a free guided tax software for taxpayers in 25 states, for the upcoming filing season.Other free federal tax preparation programs will still be available during the 2026 tax filing season for many taxpayers. A free tax preparation program used by thousands of taxpayers will not be available in the upcoming filing season. The IRS Direct File, which provided a free guided tax software directly from the IRS website to taxpayers in 25 states, has been suspended. Treasury Secretary Scott Bessent, also the current interim IRS commissioner, told reporters that there…

Nordstrom has 15% off fragrances right now.  I wanted to mention this in case you have special fragrances or cologne you want to purchase for the holidays.  You might find better Black Friday prices if you have a more popular brand but if you like the niche fragrances this might be your best option.   You can see the fragrances on sale by clicking here.  You can see the cologne options by clicking here.  

Key Takeaways GMO, founded by veteran value investor Jeremy Grantham builds investment strategies on the premise that all asset classes eventually revert to their historical means.Co-head of asset allocation John Thorndike says investors don’t need to “hide out,” but should avoid the most expensive parts of the global market. Last week’s action in stocks illustrated investor worries about high valuations. Those worries are reasons for restraint, a fund manager told Investopedia, but not alarm. “High valuations offer both lower expected returns and higher risk than fairly valued or cheap markets,” said John Thorndike, a portfolio manager at GMO, in an…

“Because of a downturn in my industry, my pay was cut 30%.”

How To Use Sinking Funds In Your Budget – Penny Pinchin’ Mom Facebook Pinterest Twitter