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Archives for January 2013

Chick-fil-A: Family Breakfast Saturdays in February + Ice Dream Valentines

Published January 31, 2013 by Carrie in Expired

The Chick-fil-A restaurants on North Carefree and North Academy are doing a special deal when you eat breakfast there on Saturdays in February! From the email they sent:

Get the family out of bed for Fun, Food and Freebies! We will feature family games and crafts and when you purchase a breakfast meal, you may select a pass for a FREE activity in town. Choose from some of our city’s most loved tourist sites: Seven Falls, Mining Museum, Money Museum or Cliff Dwellings. Or choose family fun time playing Glow Golf, Roller Skating, Bowling, or jumping at Trampoline World’s open gym.

*One free pass per person with full price breakfast meal purchase. Quantities and Attractions may vary each week. Check with our Marketing hostess for options each week.

They serve breakfast from 6 to 10:30 AM, and remember that this deal is only on Saturdays in February and only when you purchase a full-priced breakfast meal.

They also have Chick-fil-A valentines available – you can buy ten cards for $2.50 and each one is good for a free Ice Dream!

Filed Under: Expired Tagged With: Chick Fil A

Daily Chatter: 1/31/13

Published January 31, 2013 by Carrie in Expired, Home & Family

Yesterday I came home from a trip to the library and the grocery store and the kids were, as usual, delirious with excitement.  New library books?!  And cereal?  And cheese?!  It’s very rare that I buy cereal these days, but I couldn’t resist getting three boxes of Mom’s Best for $0.50 each, and I bought a rare box of Velveeta to make queso for movie night.  They were just thrilled, and I can only hope that they continue being so thrilled with such small things! :)

On a similar note, they stayed with their cousins a couple of weeks ago while Jeremy and I went out, and when I told them where they were going, they said, “Yay!  We get to drink MILK at their house!”  Apparently they consider that a special treat (they do drink milk at home on occasion, but not regularly).

Oh yes, so I went grocery shopping yesterday and you are probably questioning that if you remember that I said I had $100 leftover from my budget for the month.  You can tell that I am new at the spending cash-only thing, because I somehow failed to remember that I don’t actually get paid until the 2nd or 3rd business day of the month.  We run payroll once a month (which saves us money in our payroll processing service), so it’s not like my bank account is empty, but not full enough to take out all of the money that I need for a whole month.  If there’s one thing that I’ve learned, it’s that in order to make cash-only work, I have to take out all of the money at once or I’m setting myself up for failure.

Anyway, so whereas before I’d planned on just getting through January 31st with our current stock of groceries, I realized that I wouldn’t actually be able to withdraw February’s money until Monday, and we definitely didn’t have enough groceries to go that long, at least not without the husband and children staging a revolt.  So, I grudgingly took my $100 “extra” and spent about 75% on it on enough groceries to last through until Monday.  I guess I just need to make my “month” from the 4th to the 4th.  Good heavens, this is hard, and those of you who have done cash only for years are probably rolling your eyes.

Since I was gone during the afternoon yesterday, Jeremy cooked the pasta for our Crockpot Lemon Artichoke Chicken and I had to combination roll my eyes and laugh that he broke at least two pasta cooking rules that I just preached to you about the other day.  But before that, when he got home earlier in the afternoon, he’d brought me flowers so I think I will keep him. :)

You know that my first goal for this year is to sleep through the night, so you also probably know that I am not the person to be giving baby sleeping tips.  However, if you need advice on how to cope with not sleeping through the night, I am your woman.  When I read chapter eighteen (Or was it nineteen?  I can’t remember; I’m short on sleep.) of the book I mentioned yesterday, I wanted to write the author and told her she’d stole one of my tips. ;)  Here it is:

One of the best things I ever did was to get rid of all the digital clocks in our bedroom so that I can’t see what time it is when I’m getting up with a child. When I got rid of the clocks, I also realized that not only did I not know what time I got up, I also couldn’t keep track of how many times I was up. That considerably cuts down on the amount of whining you can do, because the story becomes a whole lot harder to tell, when you can’t say “I was up at 1:30, 2:30, 3:45, and 5:31!” It sounds silly, but it really did help me have a better attitude. I’m not sure we’ll ever go back to having clocks you can see in the dark!

Filed Under: Expired, Home & Family

How Can I Get The Best Deal On My Mortgage?

Published January 31, 2013 by Carrie in Expired, Real Estate

As part of our partnership with Tim and Dave at Trusted Lending Advisors, I’ve asked Tim to share some information about things to look at to make sure you are getting the best deal on your mortgage.

I want to get the best deal on my mortgage.  Is there anything that I should look at other than just who can give me the lowest interest rate?

Absolutely!  First of all, it’s important to remember that just like with anything else in life, there’s no such thing as a “free lunch” in the mortgage business.  Many Springs Bargains readers have probably been bombarded with mailers, phone calls and TV ads touting “low or no cost” loans (especially for refinances), and unfortunately the majority of these ads are confusing if not downright misleading.  The APR (Annual Percentage Rate) that all lenders are required to disclose when advertising interest rates is designed to help a consumer to quickly determine the “true cost” they are paying for a particular interest rate on a specific loan amount.

For example, most of the TV ads you’ll see from Quicken Loans, Ditech, Lending Tree, etc will flash a very low rate on the screen, but with a much higher APR noted below.  This is because with most of these lenders/programs a consumer would normally be paying much higher fees for the lower rate in the form of extra Origination or Discount fees (commonly known as “points”) to buy-down their rate to the lower advertised level, which in the vast majority of cases is not the best way to structure a new loan.

So, it’s not just the rate that matters, but what you pay for a specific rate that really counts.  We take a very mathematical approach and look at 2-3 options for each client to maximize their benefit with a new loan via the ideal blend of low rate and low fees.  We normally find that in the current low-rate environment paying 0 points/origination fees makes the most sense, and we calculate a clear-cut break-even period for every client on a refinance (we like to see a 1-3 year break-even period), and on every purchase loan we consider what loan structure will maximize the client’s long-term savings, provide them with the best monthly payment, and keep their closing costs low.

Finally, we look at other variables such as monthly mortgage insurance (MI) vs. a one-time Mortgage insurance premium (if applicable), and compare various loan programs (Conventional, FHA, VA, down-payment assistance options) and different loan terms (15, 20, 30-year loans) to make sure that each client receives the optimal plan for their needs.

If you are considering purchasing a home or refinancing, I’d love to have you talk to Tim and Dave at Trusted Lending Advisors!  My husband-the-Realtor, Jeremy, works frequently with Tim and Dave and his clients always have a great experience.  You can call Trusted Lending Advisors at 719.266.8183 or contact them through their website.  Be sure to mention that you heard about them from Colorado Bargains, and you’ll be able to receive a lender credit for your appraisal (up to $400 value) on any closed loan transaction!

Powered by Academy Mortgage | Regulated by the Colorado Division of Real Estate | LMB 3113 LMB 100017529 NMLS 257308 | Equal Housing Opportunity

Filed Under: Expired, Real Estate Tagged With: sponsor, Trusted Lending Advisors

Thursday’s Daily Deals: Touch a Truck Event, Oil Changes, & More!

Published January 31, 2013 by Staff Writer in Expired

Here’s a roundup of the best daily deals I’m finding in Colorado Springs for Thursday, January 31st:

  • Touch-A-Truck Event (Living Social): Get a family pack of six tickets for $7 (a $15 value) or get two tickets for $5 (a $10 value)! Your family will love this event! Climb, sit-in, and crawl around a huge variety of trucks, including military vehicles, fire trucks, race cars and more! This event will take place on February 9th & 10th at the Freedom Financial Services Expo at 3650 North Nevada Avenue in Colorado Springs.
  • Springs Auto & Truck Service Center (Groupon): Get three oil changes for $39 (a $129 value)! Oil change includes tire rotation, fluid top-off and multipoint inspection. Springs Auto & Truck Service Center is located at 6035 Galley Road in Colorado Springs. 
  • (still available) Heart of Jerusalem Cafe (Groupon): Get $16 to spend on Middle Eastern cuisine for $8! Dine on beef, lamb, and chicken shawarma, spiced pita bread, hummas, falafel, and more! Visit their website to view their full menu. You can use this voucher at both Heart of Jerusalem locations: 708 Manitou Avenue in Manitou Springs and 4587 Austin Bluffs Parkway in Colorado Springs.

Filed Under: Expired Tagged With: Daily Deals, Heart of Jerusalem Cafe, Springs Auto & truck Service Center, Touch-A-Truch Event

Dutch Bros: February Specials Include $1 Drinks

Published January 31, 2013 by Carrie in Expired

Dutch Bros coffee kiosks of Colorado Springs have just released their February 2013 deals schedule and here it is!

  • Every Friday in February – get a Rebel for $1.00
  • Valentine’s Day (Thursday, February 14th) – bring in three cans of food and get any drink for $1.00
  • Monday, February 25th – text message special
    Join their text message club by texting DBCOLORADO to 86677

Like their Facebook page for more info.

Filed Under: Expired Tagged With: Dutch Bros

Popular Science Magazine $4.99/Year, Thursday Only

Published January 31, 2013 by Carrie in Expired

Thursday only, subscribe to Popular Science Magazine for $4.99/year through Discount Mags – just use code COLORADOBARGAINS after you add it to your cart to see the price drop!  You can subscribe to up to three years at this price, and it is not subject to autorenewal.  Available Thursday, January 31st only!

Go here to read more.

Go here to read more.

More Online Deals

  • Country Living Magazine $5.99/Year, Sunday Only Posted on: February 9, 2014
  • Vibram Five Fingers Up To 60% Off + Free Shipping Posted on: February 5, 2014
  • Country Living Magazine $5.99/Year, Monday Only Posted on: January 6, 2014
  • Disney Princess Magazine for $13.99/Year, Thursday Only Posted on: December 19, 2013

Or click here for more online shopping deals!

Filed Under: Expired Tagged With: online deals

Mimi’s Cafe: Free Cup of Soup on Friday If You Wear Red

Published January 30, 2013 by Carrie in Expired

Mimi’s Cafe is having a Wear Red Day this Friday in support of the American Heart Association’s Go Red For Women Campaign – and if you wear red to Mimi’s on Friday, you can get a free cup of soup!  Find out more here.

Thanks, Money Saving Mom!

Filed Under: Expired Tagged With: Mimi's Cafe

Goodwill: Donate And Receive 20% Off

Published January 30, 2013 by Carrie in Expired

Just a reminder to get those closets cleaned out and donate to Goodwill this week! From January 30th to February 3rd, donate your goods to Goodwill of Southern and Western Colorado and receive a coupon for 20% off your total purchase in the store through February 28th.

If you need help deciding what you should keep, I highly recommend the ebook Drowning in Clutter?  Don’t Grab A Floatie, Drain The Ocean! for a decluttering strategy that is super easy to implement.

Filed Under: Expired Tagged With: Goodwill

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