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Establish and Stick to Your Budget – Capital One 360: Black Friday Sale

November 28, 2014 by Alison 10 Comments

Establishing and sticking to a reasonable and responsible budget can be hard. I mean it sounds easy, but I’ll be the first to admit it takes some trial and error before you get it down. It’s truly a skill that has to be learned and practiced. A little background about me — I was in a situation where I was forced to file bankruptcy several years ago. This had nothing to do with me living beyond my means, or abusing credit, but a series of unfortunate events let me with one part time job (I have been working 3 full time, but the economy caused two of the retailers I was working at to close) and more debt than I could take care of and no emergency savings.  I really struggled with the decision, but I felt that bankruptcy was my only option at the time if I wanted a shot at a good financial outlook going forward.  I decided right then and there that even the best laid plans can be blown out of the water when unexpected things happen, and this girl, wasn’t going to let that happen again. This girl, was establishing a budget that included emergency savings and sticking to it!

 

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Enter Capital One 360.  Now I didn’t know about Capital One 360 products 12 years ago (in fact I don’t even know if they were around then), but have since discovered them and I love that they are designed to save consumers time and money; very important elements when you’re busy working hard at making that budget work every month. From their online services to their handy mobile app, Capital One 360 is with customers 24/7. It’s nice to have them available when I’m up at 2 a.m. crunching numbers for the upcoming month or working on factoring in a major purchase. I love that Capital One 360 offers remote deposit capture with Capital One 360’s CheckMate tool and make savings a snap with the Automatic Savings Plan. I’m all for anything that makes my life easier and lets me save my pennies while on the go!

 

Another things that I think is super cool is that Capital One 360 Checking and 360 Savings are fee-free and earn interest. So many banks have gone away from this model and those little perks are really nice. I love seeing the interest deposit every month even if it isn’t a huge amount, it just a little added bonus — like an “atta boy” for all the hard work you’ve done to get that money saved. Especially this time of year, it’s easy to get caught up in the hustle and bustle of the holiday season and lose sight of the goals we’ve set to help us achieve financial peace of mind. I want to encourage you to make a budget and stay on track with those finances even during this time of year.

Pink Piggy Bank With Calculator

In order to help with this, Capital One 360 is decking the halls with deals you can bank on, including new account bonuses, referral bonuses and closing cost credits.
Be sure to add Capital One 360’s Black Friday Sale to your shopping list. While you may have gifts, greetings and get-together’s on the brain, it’s important not to lose sight of your financial goals. All of Capital One 360’s Black Friday Sale deals are designed to encourage consumers to keep their finances top of mind.  In addition to taking advantage of deals on banking, brokerage and mortgage products yourself, you can give your friends and family the gift of financial peace of mind by encouraging them to take advantage of the deals and refer them to the sale. If they sign up, you may be eligible for a $40 referral bonus!

 

Visit Capital One 360 to give yourself the lasting gift of financial peace of mind by taking advantage of Capital One 360’s deals on banking, brokerage and mortgage products.

 

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

Filed Under: Helpful Hints, Saving $$ Tagged With: Budgeting, Finances

Comments

  1. susan quackenbush says

    November 28, 2014 at 12:05 pm

    I love the $100 bonus for Starting a 360 Savings® Account!

    Reply
  2. Joely Smith says

    November 28, 2014 at 1:31 pm

    I need to have my daughter check this out. She opened a student credit account about 6 months ago and has established good credit but now it is time to move to a better card! Thank you for the info!

    Reply
  3. Holly @ Woman Tribune says

    November 29, 2014 at 9:46 am

    Sticking to a budget can be so tricky! Capital One 360 sounds like a great program. Love the idea of their CheckMate tool, and hooray for an Automatic Savings Plan!

    Reply
  4. Robin (Masshole Mommy) says

    November 29, 2014 at 12:58 pm

    My husband is an accountant, so we are pretty good about sticking to budget. He is all over our finances 🙂

    Reply
  5. Heather says

    November 29, 2014 at 3:16 pm

    It’s really easy to go over board during the holidays and loose track of your budget, this is a good reminder not to over do it.

    Reply
  6. Liz Mays says

    November 29, 2014 at 7:27 pm

    The remote check deposit is a great feature. That saves so much time!

    Reply
  7. JanetGoingCrazy says

    November 30, 2014 at 1:37 pm

    I need so much help with my budget and this is a great deal!

    Reply
  8. Rosey says

    November 30, 2014 at 5:18 pm

    It definitely does take some trial and error. I don’t worry for myself anymore, but I do worry about the kids (grown kids). I share what I can w/them, but of course in the end they have to make their own decisions on their budgeting. So far, so good. Knock on wood. 🙂

    Reply
  9. Travel Blogger says

    December 1, 2014 at 11:27 am

    I could be better at sticking to a budget. It’s something my husband and I are working on.

    Reply
  10. Onica {MommyFactor} says

    December 1, 2014 at 4:32 pm

    One of my goals for the New Year is to take control of my fiances. I need to check out Capital One 360’s site for info and tips.

    Reply

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About Me

My name is Alison. My favorite color is glitter. I love tattoos and finding ways to simplify life. Life with my husband, two children, five dogs, three cats, and lots of miniature horses is never boring but I still find the time to advocate for brands that I love and share my life, helpful hints, and a laugh or two with my amazing fans! Read More…

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