A sure fire way to save cash – ask for help!

As I’ve stated before, a lot of people cannot physically and mentally handle working a full time job AND going to school full time. As a result, choosing between an education and being able to take care of yourself, financially.

The people that choose to get an education, often find themselves in a place that causes depression, anxiety, and constantly asking themselves if they made the right decision.

As if that stress wasn’t enough, assignments, midterms, exams, and finals all pile up at once, and it makes the experience of going to school a grim one.

Those folks will probably experience one of these throughout their schooling:

  • Those who think asking for help shows signs of weakness and it hurts their pride.
  • Those who are afraid of rejection, so they sit and wallow about the fact that they are poor and don’t do anything to fix it.
  • Those who want to ask someone for help, but aren’t sure how to go about asking respectfully.

If you identify with one of these three descriptions, I promise, you will not be drowning in debt forever.

There are simple ways to go about asking for help, without making you or the other person uncomfortable.

Our friends at eHowwrote up an article which perfectly describes the appropriate process of asking someone for financial help in four easy steps.

  1. Make sure you clearly state the reason why you REALLY need the money. Whether it be for rent, paying off your car, or simply to live off of until you get your feet on the ground, people and businesses will get a better understanding of how much you need the money.
  2. Remember that not everyone you go to will be able to help you, so don’t let your current financial situation make you an angry person. Staying humble, being appreciative for even listening to your story, and not making people feel bad for you will help you out in the long run.
  3. Being able to explain that you have a plan to change how you’re currently living is something that people will not only respect, but they will also see that you’re going in one direction, and that’s up!
  4. This might be the most important step in the process. Express to them how thankful you are they want to and are willing to help you. Even if they can’t help, the fact that they want to is something to be grateful for. Sending thank you notes is ALWAYS a simple and nice way to make people know that you do care about them.

Please, don’t be afraid to ask for help. It could come from someone you least expect!

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The clothes you don’t wear can be turned into cash at Plato’s Closet!

There is one thing every broke girl looks over when it comes to thinking of ways to get fast cash.

I bet you right now, if you looked in your closet you would find at least four items of clothing you DON’T wear and have no clue what to do with.

Plato’s Closet is a consignment shop with a huge selection of new and gently used clothes, shoes and accessories that are trendy NOW. No, not two seasons ago… right NOW!

How does it work, you ask?

Simply:

  • Compile the clothes you’re looking into selling.
  • Bring the clothes to your nearest Plato’s Closet Location.
  • While the buyer is looking at your clothing, you’re able to shop around for clothes that you WILL wear.
  • Once the buyer creates an offer for your clothing, you’re able to accept or deny the offer.

Here’s a little more explanation into the buying process.

There’s a few things you might want to know before you go bringing you’re ugliest sweater to the store:

  • Make sure you call your local store to verify they are accepting what you have to offer.
  • Also, check the website for a list of articles of clothing they will accept.
  • Make sure the items you are wanting to turn in are gently used if not new, you’ll have a better chance of getting an offer.
  • Keep in mind, some stores vary what they will accept based on location and the demographic they serve. So if something is denied at one store, doesn’t mean it will be at another.

A lot of girls don’t know how to dress for their body type, so they just buy what they think looks cute on other people and what they see in magazines. This is the perfect opportunity to sell those clothes that you might not love anymore, and actually splurge on something that you will wear all the time!

Exchange your coins for fast cash!! – Coinstar Kiosk

Hello there fellow broke girls!

Thanksgiving is right around the corner, which means everyone is gearing up for SPENDING season. Everyone has that jar, tub, or huge water dispenser bottle FILLED with what they think is useless change. I’m here to tell you, IT’S NOT SO USELESS WHEN YOU’RE BROKE!

Instead of spending hours rolling coins into little paper tubes to bring to the bank, Coinstar Kiosks have been developed and improved to transform your “useless change” into cash or gift cards for your favorite places!

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Although there is a service fee applied to all cash exchanges, which varies upon location, Get Cash option of the kiosk is well worth the use if you’ve got a huge container filled with coins.

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Another great option Coinstar offers besides the quick cash, is to exchange the coins into gift cards! This exchange requires NO service fee, and you’re guaranteed to make someone on your list very happy with the variety of stores you can get gift cards for!

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Coinstar offers gift cards to many name brand places like Aeropostle, Bass Pro Shops, Cold Stone Creamery, Forever 21, Game Stop, iTunes, Nike, and more! The entire list is on the left side of the screen, just incase you’re curious about the “and more” 🙂

The Kiosk Finder will help you locate the closest kiosk to your current location. Simply type in your zip code at the top of the screen and the interactive map will show you locations within a five mile radius.

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Most locations will be inside grocery stores and/or convenient stores like Wal-Mart and Winn Dixie

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This semester has been hard financially for all of us, between tuition, books, weekly grocery trips and gas. But, this is a sure fire way that money will ALWAYS be right at your finger tips 🙂

THAT day of the year is coming: Black Friday

Hey there!

So it’s been a little while since we’ve posted, but that’s because we’ve been trying to find the BEST things to give tips on!

With midterms out of the way, we are coming to the home stretch of fall semester, which means final exams, turkey, stuffing, family, friends, and ONE DAY ONLY SPECIAL SAVINGS!

Traditionally that would be the case, but with every passing year, it seems as though stores are opening earlier… even thanksgiving night!

Some people are totally against going out on thanksgiving night to get those early bird specials, which is okay! But, there are still those dedicated black friday shoppers that LOVE the challenge and are stepping up to the plate! We’re here to help get those deals to you as soon as possible, so you can relax during the day and have your whole shopping experience mapped out already!! (You can thank us later)

The Black Friday make this The Black Friday has taken the liberty to compile a list of the biggest stores in America such as Walmart, Target, Kohl’s, etc. and listed their store hours. Although some stores have no released their hours of operation yet, they will be posted as soon as the stores release them!

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They also have made a link available to show you the closest location near you for each store, which will make it easier to map out your shopping trip!

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Another great thing about this site, is it has news about stores have already released their black friday deals, has the actual ads from stores that have already released their special deals, and even has a section of stores that have yet to publish their ads, but plan to as the day comes closer.

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As far as stores that are in shopping malls are concerned, at least across south florida, they will all have different opening hours. A lot of the malls haven’t released their hours of operation yet, but as soon as they are, you’ll be the first to get them 🙂

‘RetailMeNot’ has deals on YOUR fav. Stores

Happy weekend eve everyone! Do you have plans this weekend? Why not go on a shopping spree, courtesy of our new favorite app, RetailMeNot!

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RetailMeNot offers discounts, sales, and coupons for popular stores such as:

  • American Eagle
  • Abercrombie and Fitch
  • Kohls
  • CVS
  • Best Buy
  • Toys R Us
  • and more…

Also your favorite food stops such as:

  • Papa John’s
  • Chilis
  • Dunkin’ Donuts
  • Baskin Robbins
  • and more….

Once the app opens, their best offers will be the first thing you see!

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At the bottom left side, there is a ‘categories’ section which lists the type of places all offering discounts. This ranges anywhere from accessories, to books, to clothing, electronics, food, home, party supplies, and more!

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The ‘Nearby’ section allows the app to use your current location to find and highlight offers that are in a 5 mile radius of where you are which is super convenient if you’re on the go all the time!

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Also, if you’re not familiar with the area you’re in, it gives you a list of nearby malls that have the stores with the discounts you’re looking for.

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You can also personalize the coupons and discounts you get by favoriting the stores you love the most! The ‘Just For You’ section highlights the online and in store deals for those places you’ve favorited!

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The ‘Saved’ tab allows you to star the discounts that interest you the most, so when you go to use the coupon, you just click on ‘saved’, and it’s all there for you to choose from ranging from in store, online, and even has a special section for those deals that are set to expire that week.

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One of the best things about this app, is not only does it offer in store deals, but also online discount codes to use at your favorite web stores as well!

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There is never a bad purchase when it’s made with RetailMeNot Check your App Store, or online!

Great discounts on YOUR birthday!

Happy Hump Day!

Do you have a birthday coming up or someone who is turning a year older?

Did you know that some of your favorite restaurants and stores would also love to give you a special gift for lasting another year?

The South Florida Savings Guy compiled a list of South Florida establishments that not only offer your favorite things, but are celebrating you, their loyal customer.

Although you may have to sign up for a rewards club/VIP club in order to get these deals on your birthday, It can be totally worth it in the end.

Moe’s

Offering arguably the best burrito around, Moe’s popularity quickly became a household name in the mid-2000’s.

After you join the Moe’s eWorld online club, you’ll receive:

  • A free burrito on your birthday
  • As well as a free cup of queso! (YOU CAN’T DENY YOUR LOVE FOR MOE’S QUESO)

Benihana

Have a hankering for hibachi or japanese steak? What about that amazing white sauce?

After you sign up for the Benihana’s Chef Table:

  • You’ll receive a $30.00 gift card free

Dunkin’ Donuts

America runs on Dunkin’ for EVERY birthday Even February 29th.

After signing-up at Dunkin’ UpDDates:

  • Not only will you receive a free medium beverage for signing up
  • You’ll get a free medium beverage on your birthday!  

Panera Bread

Tons of people aren’t able to make it out to these awesome places on the day of their actual birthday. For this reason, Panera has your back.

When you join the MyPanera Rewards club:

  • A sweet treat or pastry is yours

Romano’s Macaroni Grill

This West Palm Beach Italian favorite offers more, for less work.

Just sign up for the Newsletter and on your birthday:

  • Not only will you get a $5.00 off coupon for just signing up
  • But you’ll also receive a free dessert on your birthday!

Scary Cheap ‘POPSUGAR’ Halloween Costume ideas!

Welcome to October frugal friends!

Let the pumpkin carving, candy eating, and dressing up begin!!

Oh… right… you’re living on a budget and can’t afford all the cute costumes you see everyone wearing 😦

OR CAN YOU?!

Here at Broke Girl Problems, we do not believe in giving up on doing fun things with your friends, including dressing up for Halloween, just because your tight on money. Haven’t you heard? DIY is the new black 😉 If you’re not opposed to using your own clothes as staple for your halloween costume, then look no further! Here are five very creative and fun costumes you and your friends can use as inspiration this year, thanks to our fave website –
POPSUGAR!

Rosie The Riveter 

This icon was created in order to promote and represent women who worked in factories during WWII. Recreate the hype with this simple costume.

What you’ll need

  • Denim shirt (long or short sleeved)
  • Red bandanna
  • Black leggings/jeans
  • Combat boots (optional)
  • A cute, but class bump hairdoo

Carmen Sandeigo 

Anyone remember this mysterious gal that captured kids hearts everywhere and made you think,”HOW DID SHE GET TO ALL THESE PLACES SO FAST?!” Well, now you can see what it’s like to have everyone say “Where in the world is she?!”

What you’ll need

  • Red Peacoat
  • Red fedora or long brimmed hat
  • Black Leggings/Jeans
  • Knee-high black boots
  • Yellow, gold, or white scarf

Regina George – Mean Girls

If you don’t know who Regina George, or even what Mean Girls is… then “you can’t sit with us”. Channel your ultimate queen bee with this year.

What you’ll need

  • White tank top (two circles cut at the chest)
  • Purple brazier or tank top
  • Black thigh high skirt
  • Pink cardigan (optional)

Miley Cyrus – Post Hannah Montana

We all know about Miley’s transformation and her memorable performance at the 2013 MTV Video Music Awards. Her look is different now, and here’s how you can look like her

What you’ll need

  • White tank top
  • Gold Chains
  • Red lipstick (LOTS)
  • Two power bun hairstyle
  • Teddy bear stuffed animal
  • Foam finger (optional)

Ceiling Fan

I know what you’re thinking… but it’s NOT impossible. Why not look at it from a literal standpoint and be the biggest ceiling FAN ever?!

What you’ll need

  • T-shirt/Tank top (any color will work, but make it something bright)
  • Paint/stencils (to right the words ceiling fan on your shirt)
  • Pom Pons
  • Pigtail hairstyle
  • Pleated Skirt
  • Anything else you might need to show your spirit!

Happy Halloween! Stay safe, go out in groups, and have the most fun you possibly can 🙂

Bad budgeter? Here, take a Mint :)

So, you ran out of money last night while hangin with your girls at ladies night. You currently have NO money to get you through the week. You know what that means? You’re obviously not the BEST budgeter ever.

With the holidays right around the corner, on top of your everyday expenses, there is no better time to nip this bad habit in the bud. MINT will help you become that budgeting guru you have always dreamed of becoming.

Mint is available in the iTunes App store and also for Android, but if you’re not so tech savy, the website is also available!

To start, sign up for an account which will link to your current bank account.

Once all of the accounts you want to watch over are linked to the app, you can keep track of:

  • Each account you have

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It keeps look at each of your accounts easy by splitting it up if you have a credit card and a debit card (going to use my account i’ve already set up to give you a little clue about how helpful this thing is!) :

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  • The cash flow section of the app gives you an insight of how much money you’re spending at each of the different places you go to on a normal basis:

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  • The budgets section helps you create a budget for each kind of thing you have a tendency to spend the major on such as gas, food, and clothes. (Hint, you can also set up personalized budgets, so with the holidays coming, you can set up a budget for each person on you’re shopping list to remind you how much you want to spend on them):

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  • The spending section shows you how much money you’ve actually spent in the last month, and also compares the current months spending on the your last few months spending.The best part about this section is the interactive graphs that literally show you what you’re doing with the money you make.
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    Another reason why this app is so handy is it gives you different kinds of alerts pertaining to low funds, how much money you have left in all of your accounts, and it’ll even tell you if there is weird activity going on that you might not be aware of!

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    Of all the featured apps, this one might be the most important that you get. You won’t be disappointed, and only learn more about how much you’re actually spending!