Budget Friendly Tips for the Holidays + $300 GC Giveaway



This post is brought to you in collaboration with H&R Block.


I have noticed that as the boys get older, there is a direct correlation between their age and the cost of the presents on their lists. Santa is going broke you all! Honestly, I am happy for the technology and all, but when it pushes the price of one present on their list to over $200, the holidays become hard to afford. Add the cost of visiting family, travel and everything else that goes on to celebrating this joyous time of year, and you are talking mega bucks. How can you make it more budget friendly?

Homemade Gifts

One easy way to make your budget last longer during the holidays is with beautiful homemade gifts. I am not talking about making necklaces out of pasta or anything, I am talking about homemade sugar scrubs or even goat milk soaps. Chic jars of cookie mixes, bread recipes or even dry soup mixes are other great options that friends and family would enjoy receiving, but won’t break the bank.


Shop The Deals

During the holiday season there are no shortage of sales. Take to the Internet deal sites and weekly sales fliers in the paper to find the best deals on the hot items on your wish lists this year. With the right sales on days like Black Friday or Cyber Monday, you can save upwards of 50% on certain items.

Stay Close to Home

To cut down on travel related expenses, stay close to home this year. Do you usually do a holiday season vacation, plan a staycation in your own city instead of driving or flying hours away. Invite family to come spend the holidays at your house so that you do not have to travel so far to see them if possible.

Consider a Line of Credit

Unexpected expenses always come up throughout the year, but they are never greater than they are around the holidays. When you need that little extra bit of help to make ends meet or fill those Christmas wish lists, an H&R Block Emerald Advance line of credit can be the difference you need. When you feel like there are no other options, the link of credit can help, with credit you can draw from when you need it all year long.

Want to learn more about the H&R Block Emerald Advance line of credit? You can do so on the H&R Block site. Applications open starting November 25th, and you don’t need to be a current H&R Block customer to apply. Simply bring in a valid non-expired government issued ID and your recently pay stubs, and you can be approved for credit up to $1000 to help when you need it!

{Win}

To help with those extra holiday expenses and get you thinking about what you would do with a little extra money, H&R Block is offering one Life With 4 Boys reader the chance to win a $300 H&R Block gift card! Just enter using the Rafflecopter form below.


a Rafflecopter giveaway


H&R Block has asked me to help promote the Emerald Advance Line of Credit. The prize was provided and may be shipped to the winner by H&R Block, but all opinions expressed in the post are my own and not those of H&R Block. Entrants must be 18 or older and located in the US only. Winner to be chosen at random.

186 Comments

  1. i learned that I have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund

  2. Visited and learned You may apply in participating offices from November 25th 2013, through January 15th 2014. I looked at the making payments section and learned Minimum monthly payment of $25 or 4% of the outstanding balance, if greater. Balance due in full by February 15, 2014

  3. I learned you can load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard for easy access.

  4. I Learned That Consumers Have The Ability To Pay Down The Balance Of The Emerald Advance With A Portion Of Tax Returns If They Choose To Do So.

  5. I learned that at myemeraldadvance.com you can view transactions, make payments, and view statements. Your account is also accessible through their mobile banking app, too.

  6. It is all new to me but I did learn

    Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  7. The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000, depending on bank approval

  8. I learned that Line of credit is subject to credit and underwriting approval. I could not find how much the interest rate would be; that would be my only concern in regard to this concept.

  9. That you will have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund

  10. Honestly, this is the first time I have heard about their credit line so that's new to me. But also that it's a line of credit that can be used all year long and you can pay it using your tax refund.

  11. I learned that, If approved, you are eligible to maintain your line of credit year-round
    bethelderton59 at gmail dot com

  12. I learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund.

  13. I learned that the Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000.

  14. I learned that you can use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

  15. I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose!

  16. you can only borrow what you need, up to $1000 max. and you can use a portion of your tax refund to pay the balance.

  17. I learned that you can load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access.

  18. I learned that the late fee is only $7.50! They will not charge you more than 5 late fees per year!
    Desiree H

  19. I learned that you manage to pay down the balance on the Emerald Advance with a portion of your tax refund.
    kellywcu8888ATgmailDOTcom

  20. (entered as Danielle F.)
    I learned that you can pay down the balance on the Emerald Advance with a part of your tax refund.

  21. I learned that there are No setup fee, no monthly activity fee, no overdraft fee, no fees on purchases, or customer service calls.

  22. Make purchases, pay bills114 and get cash at ATMs.117 No setup fee, no monthly activity fee, no overdraft fee, no fees on purchases, or customer service calls. Keep more of your hard-earned money to use on whatever you want.
    View a chart of all fees

  23. The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000 depending on bank approval.

    @griswald60

  24. The Emerald Advance is a line of credit you can draw from as you need it. You can use it year-round for unexpected expenses and other short-term credit needs.

  25. I learned that H&R Block gives you the option of paying down the balance on the Emerald Advance with your tax refund, if you so choose.

    Geoff K
    gkaufmanss at yahoo dot com

  26. I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access.

    Holly Storm-Burge
    hstorm799{at}gmail{dot}com

  27. I learned that the Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000. depending on bank approval.

  28. I learned that you can access your credit line with a MasterCard, easier to use in many locations. Thank you for the wonderful giveaway! girlygirlugh at gmail dot com

  29. I learned that there is a fee to establish the line of credit ($45). It may be worth it for the flexibility of having an emergency line of credit for some, but be aware!

  30. You can pay down the balance on the Emerald Advance with a portion of your tax refund.

    Kimberley Meier
    momof3chaos at gmail dot com

  31. If approved, you are eligible to maintain your line of credit year-round. Be prepared when the unexpected occurs.
    Thanks for the contest.

    slehan at juno dot com

  32. Learned that you have bility to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  33. I learned a benefit of emerald advance is the Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

    stephanie ann

  34. I learned "The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval"

  35. I learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  36. I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund

    Richard Hicks

  37. I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund.

    alterna7 at hotmail dot com

  38. You can pay your balance down with your taxes,use the card year around,and they will even do your taxes and get you more money back

  39. I learned that the Emerald Advance is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000 depending on bank approval.

  40. I learned that there is a 36% Annual Percentage Rate (APR). Wow, really high.
    heymissvirginia at embarqmail.com

  41. I learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  42. Access to credit year-round..that's good & $45 Annual Fee – Assessed on the day the Emerald Advance is opened…ok then :o)

    (lisa lo) rc form

  43. I learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund.

  44. I learned that it gives you the ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose!

  45. I learned Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard for easy access

  46. Thanks for the giveaway…$45 Annual Fee – Assessed on the day the Emerald Advance is opened
    Rafflecopter: Bryan E.

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