In the current Target weekly ad that was in newspapers on Sunday, March 2 there is a coupon for $20 of a purchase of at least $50 of certain household items. It would be a great deal if you were planning on purchasing theses items. There is no mention on the coupon about not being used with other coupons so you may be able to also use manufacturer coupons with it. I saw another blog post on this deal and she suggested giving the cashier the $20 of coupon first and then any other coupons you may have. There is a Proctor and Gamble coupon insert in todays newspaper that includes coupons for some of the items such as Charmin, Bounty and Casade.

To get the coupon delivered to your smartphone, you can text STOCKUP1 To TARGET (827438)*. Some of the items included are Air Wick, Febreeze, Charmin, Scott, Clorox cleaners, Pine Sol, Cascade, Dawn, Kleenex, Bounty, Bounce, Tide, All, Gain and more.

The ad is available at or in stores if you do not have the Sunday newspaper. The coupon expires March 8, 2014.

The MSUM Planetarium is hosting Laserfest 2014 Friday, March 7 thru Thursday, March 13. The shows are 40 to 45 minutes in length. Admission is $5 for matinees and $8 for evening shows. Click the link above for show times and more information.

The shows being offered are Lasermania, Laser Beatles, Laser U2, Laser Pink Floyd, Laser Led Zeplin, Lasers in Space, American Pride Laser Spectacular, Summer Laser Jam and Laser Safari.

The Planetarium is located at 11th St S and 8th Ave S, Moorhead (Bridges Hall Room 167). They have various shows throughout the year which are a way to make learning more fun for children and adults.

There are some new offerings at the Fargo Public Libraries.

Kids book club bags
The Fargo Libraries have had adult book club bag kits and starting March 1 the Main Library will have kid kits available to check out. The kits will contain 10 copies of a title and a list of suggested discussion questions. The kits may be checked out for six weeks. The kits may be reserved to be picked up at the Northport or the Dr. James Carlson branches. Check out the library’s Children’s Services page for a list of titles available.

State park passes
The Fargo Libraries now have ND State Park passes that can be checked out using a Fargo Public Library card. There are a limited number available at all three library locations. residents interested in checking out the passes should ask at the Check Out Desk.

The passes check out for one week, are subject to overdue fees and are renewable. The passes are provided by the North Dakota State Library and the North Dakota Parks and Recreation Department. Each pass provides daily vehicle access to any North Dakota State Park. Additional charge, such as camping, are the responsibility of the pass holder.

Many public libraries offer services other than just books. Many offer internet service and computers, CDs and DVDs to check out, audio books and ebooks. There are also many programs and events for children, teens and adults.

Thru Mid April or while supplies last you can purchase a Frosty key tag at participating Wendy’s restaurants for $1. With the tag you will get a free Jr. Frosty each time you present the tag with your purchase thru August 31, 2014.

All proceeds benefit the Dave Thomas Foundation for Adoption®, an organization that works in communities across North America to help find loving homes for the more than 134,000 children in the foster care system waiting to be adopted.

One of the comments on a blog I follow was from a lady who purchased 25 of the tags to put in the favor bag for your daughter’s birthday party.

I recently went on a Caribbean cruise. When I told people I was from North Dakota, the reply from most was something like “that must be cold”. When I mentioned Fargo, most said “like the movie”. Some people were complaining about going home to 50 to 60 degrees until told them I was going home to 0 or lower. Many asked why or howwe can live here. I said its where we grew up and are used to it.

Just as we get accustomed to living in this weather, people get accustomed to living in certain financial situations. When traveling to other countries I have seen neighborhoods that were basically shacks. The tour guide said they are satisfied with those conditions since that is all they have ever known.

In many cases, when a persons income increases, their expenses will also increase.

In other cases, some people may not have as much money as you think they do. You may sometimes wish you had the house, car and other items someone else has, but they may be in a situation that they cannot actyally afford them and are stressed over having too much debt.

As shown in the books The Millionaire Next Door, The Automatic Millionaire and others, it may not always be easy to spot a millionaire. Many don’t spend large amounts of money on homes, cars and clothes.

Instead of comparing yourself to others or wishing for more, you may be happier and more fulfilled if you do your best and keep your spending within your means.

In honor of National Pancake Day, IHOP restaurants are offering a free shortstack of buttermilk pancakes on March 4. In return for the free pancakes, guests will be asked to consider leaving a donation for Children’s Miracle Network Hospitals or other designated charities.

With April 15 coming up, many people are having their tax returns completed and maybe expecting tax refunds. If you typically receive a large refund most years, you may want to check the W-4 your employer has on file. By making changes you may receive more in each your checks.

The amount of your refund is actually an interest free loan to the government until you receive your refund. Some people use as a forced way to save money. It may be of benefit if you use the money for things you actually need. Many people consider it s “free money” and use it to purchase items they could not normally afford.

On a recent episode of the Suze Orman show, there was a segment on a
Tax Refund Warning. If you owe certain debts such as IRS debt, child support, student loan debt and other debt, the government may be ale to take the amount you owe from your tax refund. There used to be a statute of limitations on this. Under new legislation there is no longer a statute of limitations. Suze gave an example going back 40 years and they were now able to take the amount the person owed from their tax refund.

I recently completed presenting the Junior Achievement program to a class of 3rd graders. Through the Junior Achievement program, business people volunteer in classrooms presenting information about different personal finance topics. The volunteers are provided with the information to present and all supplies needed. The program consists of five lessons which each take about 45 minutes to an hour to present.

The 3rd grade lessons focus on information about how a city runs. It contains information about the different business zones, banking, owning a restaurant and about the news and newspapers.

I feel it is important to teach kids about money and finances when they are younger instead of when they get out on their own and need to learn then. Many of the kids had heard of some of the information but weren’t sure how some of them work.

A question from one of the students was “do you get to pick out the kind of car you want when you get your driver’s license or do they just give you one”? Others were concerned about the government taking all of their money for taxes or people taking money out of their bank accounts.

This was my 5th year of volunteering for Junior Achievement and I feel it is a very rewarding experience. Even though you only spend a few hours in the classroom, they become attached to you.

Dave Ramsey and his daughter, Rachel have a new book Smart Money Smart Kids
coming out in April.

I recently saw an excerpt from the book on kids being Spoiled or Blessed.

There was also a recent article by Sherri Richards from The Forum on tips to Not Overindulge your Children. I had the honor of being included in the article.

It can be difficult to tell your children no, but with advertising almost everywhere we turn they may think they need more things than they really do need.

I just completed presenting the Junior Achievement program to a class of 3rd graders. I will be writing an upcoming post about the program and their reactions to it.

Thursday, February 13 is Giving Hearts Day. Giving Hearts Day is an online fundraising program that is made possible through a partnership between Impact Foundation, Dakota Medical Foundation (DMF), nonprofits trained through the Impact Institute and other community donors.

All donations of $10 or more made to select nonprofit organizations online at Impact Giveback are matched by DMF and other community donors.

Giving Hearts Day raised $325,000 for local charities in 2008, its first year. Donations topped the million-dollar mark in 2011. On February 14, 2013, gifts totaling $3.68 million in 16,989 individual donations for 179 charities were received in the 24-hour period.

So if you were considering donating to one or more of these organizations, this is an easy way to double your donations. Remember it is only valid for donations made online on February 13.