web analytics

Savvy Spending This Holiday Season: H&R Block’s Emerald Advance® – $300 Mastercard Gift Card Giveaway

holiday spendingIt’s time to start planning for the holidays. That means we’ll be doing plenty of holiday shopping this year and since we are a large family on a budget we also know where to save money. As we prepare our family’s budget for the holidays I have a few savvy spending tips to keep in mind.

Savvy Spending Tips This Holiday: 

  • Budget – Set a budget for gifts and stick to it! Give yourself a little wiggle room but make a list and know who you are buying for.
  • Sales – I am a sucker for a great sale at my favorite stores. During the holidays it’s a great time to make purchases so shop sales. Keep your eye out for in store only coupons, or brave the crowds and try your hand at black Friday shopping.
  • Cyber Surf – Some of the best deals can be found online, especially if you are shopping for toys. Don’t brae the crowds and surf deals online!
  • H&R Block’s Emerald Advance line of credit can help make the holidays – and the entire year – more enjoyable!

hr-block-emerald-advanceH&R Block recognizes that sometimes a bit of extra money can be the difference. The Emerald Advance line of credit can also make this holiday season a bit easier financially.

More details on the H&R Block Emerald Advance line of credit:

  • H&R Block will begin accepting applications in offices November 25th so set up your appointment today!
  • All you need to apply is an unexpired government-issued photo ID and your most recent pay stub (no W2 form required!)
  • You don’t already need to be an H&R Block client to apply
  • 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. It’s that easy!

I know we all have plenty of expenses this holiday season so make it easier with the H&R Block Emerald Advance. Remember you can set up your appointment today to get started before the holiday shopping begins!

Be sure to connect socially with H&R Block on Facebook.

 

image001 (1)

To make the holidays a little easier this season we have a $300 Mastercard to give away! 

a Rafflecopter giveaway

SHGPH&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.

201 Comments

  1. Gianna on December 9, 2013 at 10:01 pm

    If approved, you are eligible to maintain your line of credit year-round.
    I try to get everything I buy on sale and/or with a coupon.



  2. laurie on December 9, 2013 at 9:18 pm

    I learned that you can use their program year round

    make a list and stick to it



  3. Tim on December 9, 2013 at 9:01 pm

    I learned that the line of credit exists. I never knew of it before.



  4. sylvia on December 9, 2013 at 8:41 pm

    i learned the card can be used year round.

    around the holidays, i tend to use as many coupon codes, rebates, and money back websites as possible. I look for as many deals as i can to save money and make gifts as well



  5. Lisa on December 9, 2013 at 8:24 pm

    I learned you can pay your balance with your tax refund if you want.

    I budget my setting aside a certain amount out of each paycheck to pay for birthdays and holidays



  6. Bryan E. on December 9, 2013 at 8:16 pm

    Thanks for the giveaway…if they choose, cardholders have the ability to pay down the balance on the Emerald Advance with a portion of their tax refund.

    Spending tip: stick to a budget; use cash whenever possible.



  7. gina on December 9, 2013 at 7:45 pm

    I learned that they have a blog…I always make a list to make sure I dont over buy or miss anyone and to put money aside throughout the year especially for Christmas.



  8. Tammy Shelton on December 9, 2013 at 7:41 pm

    I learned that you don’t have to be a H&R Block client to apply. My holiday tip for spending is do NOT use Credit Cards.



  9. Sand on December 9, 2013 at 7:37 pm

    They are open year round.



  10. socratesjr on December 9, 2013 at 7:10 pm

    I love that you can put it on an ATM card…and for saving, we just make sure we have a monthly budget and try to use cash for most things.



  11. Leslie L Stanziani on December 9, 2013 at 6:48 pm

    I learned that you can pay back the loan with your tax refund.I set a budget and only take cash with me when shopping.I find that I have to stick to a certain amount when I only have that on hand.



  12. amy deeter on December 9, 2013 at 6:26 pm

    you can Access to credit year-round



  13. Sherry Conrad on December 9, 2013 at 5:52 pm

    You can access your credit year round. My tip is to buy on really good sales and don’t overspend.



  14. Melanie Montgomery on December 9, 2013 at 5:14 pm

    You can use this all year round



  15. melikegarfield on December 9, 2013 at 5:03 pm

    I love that I could use the credit year around…although my spending tip is to give everyone in the family (including us adults) their spending money on a debit card that only contains this pay period “allowance” and anything left over from previous ones. It has helped us manage our spending a lot better.



  16. Sonya on December 9, 2013 at 4:23 pm

    I learned that you can use the Emerald Advance all year long! As far as shopping tips, i start early and shop sales.



  17. ellen beck on December 9, 2013 at 4:17 pm

    http://instagram.com/tannawings is my instagram account you didnt have a box for it-thanks for the chance!



  18. Jenny S. on December 9, 2013 at 3:59 pm

    You don’t need to be a client of H&r block to get one which is neat. Savy christmas tips? Plan ahead, get shopping done online and take advanage of deals.



  19. Tamar on December 9, 2013 at 2:59 pm

    I learned that they refresh deals weekly.



  20. Lola Green on December 9, 2013 at 2:30 pm

    I learned that you can get up to $1,000 with an Emerald Advance, and my shopping tip is to start shopping a month or two early.



  21. Hollie Jahnke on December 9, 2013 at 2:29 pm

    That you don’t even need a W-2. That surprised me!



  22. Julie Hawkins on December 9, 2013 at 1:40 pm

    I learned you can use the emerald advance for emergencies. My tip,is to make a holiday shopping list and stick to it.



  23. Nick on December 9, 2013 at 1:34 pm

    I learned that the Emerald Advance line of credit can be used year round and that you don’t need to already be a client of H & R Block to apply. My holiday tip is to bring cash only – no credit cards – to the malls so you don’t overspend.



  24. Sharon on December 9, 2013 at 1:34 pm

    I learned: you can pay down the balance on the Emerald Advance with a portion of your tax refund. My savings tip is budgeting, and making a list and trying very hard to stick to it! Thank You!



  25. Beth Klocinski on December 9, 2013 at 1:28 pm

    I learned that the Emerald Advance line of credit can be used year round. Set a budget for each person in order to not overspend at Christmas.



  26. Filippo on December 9, 2013 at 12:57 pm

    I can access credit year round



  27. denise on December 9, 2013 at 10:34 am

    I learned that they have software downloads. My tip is don’t buy something just because it’s a good deal.



  28. mary j on December 9, 2013 at 9:53 am

    •You don’t already need to be an H&R Block client to apply
    I like use retailmenot for coupon codes



  29. Angela Cisco on December 9, 2013 at 9:19 am

    I learned that you do not have to be a current member to apply. As for saving tips, I do surveys, etc all year long and save up until Christmas. My kids have had awesome Christmas the past few years and I have barely had to pay anything out of pocket. This year, I’m nearly finished and have spent nothing but survey money



  30. Cameron on December 9, 2013 at 7:04 am

    Line of credit all year round



  31. Tiffany Hearn on December 9, 2013 at 6:49 am

    I like that you can repeatedly borrow and repay. I ways shop the sales and use coupons.



  32. Denise Donaldson on December 9, 2013 at 4:59 am

    I learned you can use the line of credit year round. I use coupons to save as much as I can.



  33. christopher h on December 9, 2013 at 1:20 am

    I learned that there are several different payment options



  34. Shannon on December 9, 2013 at 12:27 am

    I learned that you can pay down the balance on the Emerald Advance with a portion of your tax refund. When shopping, I compare prices online for the best deals and look for discount codes.



  35. Priscilla P. on December 9, 2013 at 12:19 am

    I learned that you can use your line of credit all year around



  36. Stephanie Larison on December 8, 2013 at 11:30 pm

    If you’re approved, you may have access to credit year round.
    I stick to a budget and wait for the best sales for the holidays.



  37. krystal wethington on December 8, 2013 at 11:21 pm

    there are several different payment options.I use coupons to help me save.



  38. Sky Sparkle on December 8, 2013 at 10:55 pm

    I learned not to spend too much money.



  39. vera on December 8, 2013 at 10:15 pm

    I learned you can use your taxes to pay it off.



  40. Karrie Millheim on December 8, 2013 at 10:04 pm

    You can access your line of credit year round. My money saving during the holidays is buying on sale



  41. Jennifer on December 8, 2013 at 9:06 pm

    Don’t overspend – set a budget.



  42. Jill McHale on December 8, 2013 at 9:04 pm

    I learned that you can pay down the balance of the Emerald Advance using a portion of your tax refund. My savvy shopping tip is to take advantage of stores that Price Match!



  43. Richard Hicks on December 8, 2013 at 8:15 pm

    I learned that you can Access to credit year-round



  44. Paula Tavernie on December 8, 2013 at 6:59 pm

    I learned you can use it year round and I always shop for things on sale or on clearance racks!



  45. mariem on December 8, 2013 at 6:33 pm

    i can acess credit at any time- i shop sales stating in september



  46. Jeni Lutz on December 8, 2013 at 5:32 pm

    I learned that you can use your line of credit all year around I shop all year around



  47. Susan Smith on December 8, 2013 at 3:08 pm

    I learned you could get up to $1,000 with an Emerald Advance. My best holiday tip is to shop the sales year round and pay with cash.



  48. bryan clark on December 8, 2013 at 2:14 pm

    there are year round open for all your needs awesome



  49. Kim H on December 8, 2013 at 10:20 am

    I learned the line of credit can be used year round



  50. Robin on December 8, 2013 at 8:37 am

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



  51. Angela Neynaber on December 8, 2013 at 7:16 am

    I learned that its easy to apply for an advance.



  52. April V. on December 8, 2013 at 6:05 am

    You can use your return to help pay off the balance.

    Shop all year round. Shop at thrift stores, Goodwill and Salvation Army. Give homemade gifts. Give services like lawn mowing, shopping or spending time to those that could use it.



  53. lisa lo on December 8, 2013 at 12:52 am

    Save by using cash. It disappears quickly…then you will be more careful with it.
    •$45 Annual Fee – Assessed on the day the Emerald Advance is opened..I learned.



  54. Claire on December 8, 2013 at 12:23 am

    I learned that you can borrow small amounts or the whole $1000 shebang. My holiday spending tip is to save change throughout the year and redeem it at a Coinstar for some extra present money.



  55. Brittney House on December 7, 2013 at 11:44 pm

    The &R Block Emerald Prepaid MasterCard earns cash rewards and I save money by using coupons and shopping during sales.



  56. Deb C on December 7, 2013 at 11:19 pm

    I learned the Emerald Advance card earns you rewards and is reloadable.



  57. Kenny F on December 7, 2013 at 10:59 pm

    Start planning ahead



  58. Angela W on December 7, 2013 at 8:58 pm

    I learned that their line of credit card can be used through the month of January. I always check for online promotional codes before submitting my order through an online retailer



  59. Mindi on December 7, 2013 at 12:32 pm

    I had no idea H&R did more than taxes. They are an awesome addition to my holiday shopping!



  60. Karen Drake on December 7, 2013 at 9:20 am

    I learned all you need to apply for an Emerald line of credit is an ID and your most recent paystub. My tip for shopping is to check online coupon sites for coupon codes to your favorite stores, a lot of them are for percentage off sales or free shipping.



  61. Rea Liz on December 7, 2013 at 8:06 am

    I learned that you borrow only the amount that you need. My advice is to plan early and shop around online for the best deals…and free shipping..and google coupon codes.



  62. Douglas Houston on December 7, 2013 at 5:48 am

    H&R Block Emerald Prepaid MasterCard earns cash rewards just like credit card



  63. Tricia @ Night owl mama on December 7, 2013 at 1:55 am

    I learned that If approved, you are eligible to maintain your line of credit year-round. Be prepared when the unexpected occurs.

    my tip would be to shop on Fridays morning when the bulk merchandise is put out and always shop of the sales paper



  64. jodi goins on December 6, 2013 at 9:46 pm

    that you cane use the card all year around and you can get a loan up to $1,000



  65. judy gardner on December 6, 2013 at 6:46 pm

    i learned their line of credit card can be used through January. i try to stay on budget while shopping for Christmas



  66. Josh Turner on December 6, 2013 at 9:22 am

    I learned that the line of credit is available year-round.



  67. Gwen B. on December 6, 2013 at 9:13 am

    I learned that the line of credit is available year-round. Also, when Christmas shopping for specific items, I make heavy use of the internet to score the best deals.



  68. Crystal Rush on December 4, 2013 at 6:18 pm

    Try to shop around and do it on the internet so you can save time, money, and gas!! H&R block has taught me I need not have extra worry about my taxes during the holidays because they have it all in their hands!!



  69. Jean on December 4, 2013 at 2:54 pm

    I learned that you can borrow only what you need (you don’t have to take the whole $1,000). I save money by planning ahead and combining sales, coupons and rewards dollars (like Kohls cash) to make my money go as far as it can! I was able to buy about $200 worth of Christmas presents for $30 out of pocket using this strategy recently.



  70. Summer Bert on December 4, 2013 at 10:32 am

    That they now have a line of credit you can use before tax season to help take the pressure off of Christmas shopping



  71. Cori Westphal on December 3, 2013 at 9:51 pm

    I learned I can bring in old tax returns and have them take a look to make sure they were done right, and whether I can get any more money back! And my best shopping tip is to be prepared. Make lists and check em twice. Stop the impulse buys!

    coriwestphal at msn dot com



  72. Heather Hayes Panjon on December 3, 2013 at 1:59 pm

    I Learned If I Have The H&R Block Emerald Advance Line Of Credit I Can Use My Tax Refund To Pay Off Balance If I Choose To. I Shop Sales And Always Use Coupons



  73. shaunie on December 3, 2013 at 12:21 pm

    I learned that you dont have to be a client and can be used year around. My spending tip is to spend your money on sales and use coupons if available on the sale item.



  74. Jenna D on December 2, 2013 at 2:45 pm

    I have learned that you can get up to $1,000 with an Emerald Advance. My tip is to shop sales and price match.



  75. joseph gersch on December 2, 2013 at 11:37 am

    i learned you can file online and my tips are to use coupon codes



  76. Alexandra on December 2, 2013 at 8:35 am

    I learned that you can get an advance for holiday shopping, which is neat because I’m always saying we should do taxes before Christmas. Ha!

    My tip is to make lists of what everyone on your shopping list wants, and then what your spending limit is. Watch for sales and don’t buy everything at once. The sales almost always come if you are patient.



  77. meredith on December 1, 2013 at 7:20 pm

    I learned you could get up to $1,000 with an Emerald Advance. My best holiday tip is to shop the sales or early in the year so the nov/dec isnt as bad



  78. Crystal F on December 1, 2013 at 6:29 pm

    I found out that you can have your paycheck directly deposited on the card if you wish to. My big thing is research. Hunt for the best price possible and then look for coupon codes. It may take a little while but it will be really worth it. thank you!



  79. christine jessamine on December 1, 2013 at 9:15 am

    I learned this can be used all year round



  80. Daniel M on November 30, 2013 at 7:23 pm

    you can get an advance on your tax return, and always check the internet for store coupons before you go out shopping



  81. Marci on November 30, 2013 at 3:29 pm

    I had no idea that they did advanced credit lines! I shop all year around that way when the holidays come, it’s not such a big burden.



  82. Kathleen on November 30, 2013 at 3:02 pm

    learned that the advance can be used year round and my tip is get things on sale and shop online

    kport207 at gmail dot com



  83. janna johnson on November 30, 2013 at 10:13 am

    You can get up to a 1000 loan.



  84. Kristie on November 30, 2013 at 6:51 am

    I learned that you can file online through H&R Block. I like win and make gifts whenever possible.



  85. thomas richard on November 29, 2013 at 8:42 pm

    I have a tip and that’s to take out more taxes than you need out of your check to avoid owing



  86. Crystal Sweet on November 29, 2013 at 4:00 pm

    I learned that the H&R Block Emerald Prepaid MasterCard earns cash rewards.



  87. Jen F on November 29, 2013 at 8:47 am

    I learned they they offer a number of repayment options and this seems like a great idea.



  88. Carolyn G on November 28, 2013 at 8:37 pm

    I like you don’t have to be a client of H&R Block



  89. Kevin on November 28, 2013 at 10:11 am

    Winning a $300 Mastercard Gift Card would go a long way this holiday season, especially since we have four kids.



  90. Tim A on November 28, 2013 at 9:55 am

    I learned about the Emerald Advance. I am not a huge fan of lines of credit or credit cards but this one sounds like it might just work perfectly with our lifestyle



  91. Virginia Rowell on November 28, 2013 at 4:36 am

    I learned that you can use the Emerald Advance year round. I use a lot of coupons at Christmas time.



  92. Mandala on November 28, 2013 at 1:13 am

    Emerald Advance – that they don’t require your W-2 and that new clients are welcome to apply



  93. jamaise on November 27, 2013 at 10:12 pm

    I learned about their Emerald Advance. I would have never thought of getting an advance on our tax returns this early. Good to know.



  94. Geoff K on November 27, 2013 at 9:31 pm

    I learned that there are a variety of repayment options for the Emerald Advance line of credit, including putting part of your tax refund toward it. Very cool! As for holiday saving, I use Black Friday websites and apps to compare prices and strategize for getting the best deals and the most savings on all the items on my shopping list.



  95. Jacob LaFountaine on November 27, 2013 at 2:31 pm

    You really have to think about deductions. So many that you can take advantage of. Don’t worry about shopping and getting gifts so much. Most people you know have plenty



  96. Joanna Brittain on November 26, 2013 at 10:10 pm

    I learner that you can get an advance line of credit which would be a tremondous help this holiday season..My tip make a list and price check everything before making the final purchases. Also before buying non big named brand items on Black Friday, research them. You might find spending more money on a better brand might save you in the long run. Not every black Friday deal is worth it.



  97. Lauren-Olivia Wood on November 26, 2013 at 9:41 pm

    I learned that their line of credit card can be used through the month of January!



  98. Allison Downes on November 26, 2013 at 5:52 pm

    I learned that if approved, I am eligible to maintain my line of credit year round! And my tip is to get it done early and don’t overwhelm yourself, and maybe try online shopping as well

    Thank you for the chance to win!



  99. rebecca shockley on November 26, 2013 at 9:23 am

    That they have an annual fee of $45. My shopping tip’s include comparison shopping and shop close to home or online with free shipping



  100. Rust on November 25, 2013 at 7:48 pm

    I can borrow from the emerald advance line of credit all year long.



    • Rust on November 25, 2013 at 7:55 pm

      My tip is to not make impulse buys and when you have a large purchase to make, wait for holiday sales and always check online for discounts or coupons.



  101. mysweetiepiepie on November 25, 2013 at 11:15 am

    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.

    I save money by taking all the store ads with me when I go shopping.



  102. Ashley H on November 25, 2013 at 5:14 am

    I learned there is a $45 fee.



  103. Terri K (@tkharmonic) on November 24, 2013 at 9:36 pm

    My spending tip is to take advantage of out of season clearance items, I’ve saved a bundle over the years doing this.



  104. Terri K (@tkharmonic) on November 24, 2013 at 9:34 pm

    I learned several things, including “No fee to request a card with your name on it”



  105. Holly Storm-Burge on November 24, 2013 at 7:43 pm

    I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access & I always shop with a list to make sure I don’t grab gifts for people I’ve already bought for.



  106. Heather on November 24, 2013 at 6:13 pm

    You have it year round and I use coupons and buy things when it’s on sale



  107. Beth R on November 24, 2013 at 5:47 pm

    I learned that you can file your taxes online with H&R block.



  108. Amanda A on November 24, 2013 at 4:02 pm

    neat that you don’t need a w-2 and that you cna use your tax refund to pay down on bill. A tip I have is to create lists to keep you organized for the Holidays. From holiday party shopping lists, to keeping track of gifts that you have purchased or need to purchase. Also keep a budget on your spending



  109. Katherine on November 24, 2013 at 3:22 pm

    YOu have access to $1000 credit all year and plan ahead and buy early but watch for the black friday bargains



  110. Mary Calabrese on November 24, 2013 at 1:51 pm

    Go shopping during store’s extended hours. You’ll have fewer people and can take your time to find your scores.



  111. Chelle on November 24, 2013 at 1:44 pm

    I learned that you don’t need to be their client to apply. My tip is to cross check your prices–compare shop! It’s insane how many items I can get for a cheaper price by researching on different sites. Thanks for this awesome giveaway!!



  112. Marcia Goss on November 24, 2013 at 12:29 pm

    I learned that you can load money from your line of credit onto a prepaid card. My tip is to start shopping early and try to buy everything on sale.



  113. Carol on November 24, 2013 at 12:44 am

    I learned that you don’t need a w-2. My tip is to do your shopping early.



  114. ellen beck on November 23, 2013 at 11:39 pm

    I learned you can use this card all year! My tip is to make sure you know the difference between a need and a want- people use what they need wants are often fleeting.



  115. Beth on November 23, 2013 at 9:10 pm

    I learned that the credit line is available all year round. My tip is to shop year round for the holidays sometimes they have great deals during the year too. Use coupon codes and clip clip clip.



  116. David Holder on November 23, 2013 at 7:31 pm

    I learned H&R Block will begin accepting applications in offices November 25th. I try to set a budget before I shop.



  117. Nancy on November 23, 2013 at 5:31 pm

    I learned that the Emerald Advance will become available on November 25th. My tip is to research what you on line and then look for sales, codes, discounts and coupons to get the price down.



  118. soha molina on November 22, 2013 at 10:51 pm

    I learned If approved, you are eligible to maintain your line of credit year-round. Use coupons when possible to save money.



  119. Rebecca Parsons on November 22, 2013 at 9:49 pm

    Emerald Advance has a $1000 limit that can be used year around as long as approved.



  120. Sadie B. on November 22, 2013 at 8:56 pm

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



  121. Kyl Neusch on November 22, 2013 at 8:32 pm

    H&R Block’s Emerald Advance line of credit can help make the holidays – and the entire year – more enjoyable!



  122. Sonya Morris on November 22, 2013 at 5:07 pm

    I learned you have access to credit year round. I try to stick to a list & not shop too early because I end up spending too much!



  123. Lasonda on November 22, 2013 at 3:35 pm

    I learned that the line of credit can be used year round.

    Spending tips: Shop the sales and use coupons.



  124. Ty on November 22, 2013 at 2:05 pm

    I learned a w2 is not required. My tip is to create a budget and stick to it.



  125. april yedinak on November 22, 2013 at 12:28 pm

    I learned that they have a mobile banking app. My holiday spending tip is to use online coupon codes and cash back sites for all your purchases.



  126. wendy rozema on November 22, 2013 at 8:48 am

    i learned
    H&R Block’s Emerald Advance line of credit can help make the holidays – and the entire year – more enjoyable!

    I like to save money by buying stuff on sale or on sale with a coupon!



  127. Cynthia R on November 22, 2013 at 7:55 am

    oop ssorry this is actually the tweet https://twitter.com/carawling/status/403879106913517568



  128. Tammy S on November 22, 2013 at 7:38 am

    I learned that even though you can borrow up to $1000. You can borrow and repay the specific amount you need.



  129. karen on November 22, 2013 at 7:32 am

    I love H&R block but I have to do it online as there is not one close by me. Shopping tip is to clip coupons and shop early in the mornings, you get first dibs on the sales



  130. courtney b on November 22, 2013 at 7:00 am

    my tip is to go shopping on black friday !:) and i love h r nad block because they are literally on EVERY corner, so its fast and easy to get my taxes done…



  131. Ashley C on November 22, 2013 at 6:54 am

    I learned that part of the balance can be paid down using my tax return. My budget tip is to always shop with cash and we do all of our shopping at one time because we spend less money overall

    demureprincess7(at)gmail(dot)com



  132. Jacob on November 22, 2013 at 4:06 am

    You can use your tax refund to apply towards the balance. My tip is to make a written budget of how you will spend on each person. It’s easy to go out of control and get too much and then have to get more for others to make it fair



  133. Theresa Jenkins on November 22, 2013 at 3:15 am

    savvy holiday spending tip is to set a budget and to save for it I set up a Christmas club ….The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000



  134. jeannine s on November 22, 2013 at 12:20 am

    i learned you don;t need the w-2 and my tip is to start early and always be on the look out for deals



  135. mrsshukra on November 21, 2013 at 10:56 pm

    I learned that line of credit is available all year from H&R Block. Holiday budgeting tip: Make your Christmas gift list very early and take advantage of sales throughout the year, especially online sales on Cyber Monday which is coming up soon!



  136. Theresa J on November 21, 2013 at 9:16 pm

    I learned that they have a line of credit available all year. My holiday tip is to price check.



  137. Cassandra Eastman on November 21, 2013 at 9:16 pm

    I learned there’s no W2 form required!
    My shopping tip is make a list of internet prices before going to the stores and check for sales and coupons to find the best price!



  138. Tabitha P. on November 21, 2013 at 8:47 pm

    I leanred it’s avilable year round.
    I use coupons,coupon codes.
    Try and get free shipping to help too.



  139. Kellie T on November 21, 2013 at 7:17 pm

    I learned that you can get a line of credit to use whenever you might need it! My shopping tip is to buy online and look for coupon codes!



  140. Elena on November 21, 2013 at 7:00 pm

    I learned that If approved, you are eligible to maintain your line of credit year-round. My tip is to shop for gifts on sales and use coupons.



  141. Mary Beth Elderton on November 21, 2013 at 6:12 pm

    The line of credit is available all year. I take advantage of free shipping offers and price matching/guarantees.



  142. Kiara on November 21, 2013 at 5:37 pm

    I learned that you don’t need a w-2. My tip is to do your shopping early.



  143. Ellie W on November 21, 2013 at 4:51 pm

    I learned that The Emerald Advance is a year-round line of credit. For holiday shopping, I try to shop for bargains all year. Also a lot of stores put clearance sales up on Christmas Eve. So I always do some last minute bargain hunts.



  144. Kelly D on November 21, 2013 at 4:41 pm

    I learned that I could pay down the balance on the Emerald Advance with a portion of my tax refund. My tip is that before heading to the stores, check online for percentage off coupons and print them out. I always save money this way.



  145. Jammie on November 21, 2013 at 3:22 pm

    I learned they stand behind their work. A tip about spending during the holidays is set a budget we also hit mark down aisle.



  146. Brandy on November 21, 2013 at 3:15 pm

    You don’t need a w-2, which is great cause most jobs hand them out way to late.

    My tip is to shop clearance all year long, and clip coupons



  147. Araceli on November 21, 2013 at 2:57 pm

    I fallow you on ig I love how you do things for your family. I get great ideas from all your tips you give. Hope you gave a wonderful thanksgiving with your girls.



  148. Amanda Hoffman on November 21, 2013 at 2:12 pm

    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. my tips is to look for sales use coupons and budget year around



  149. Stephanie Ann on November 21, 2013 at 2:02 pm

    I learned I don’t already need to be an H&R Block client to apply

    always look for great deals & coupons online before going shopping!



  150. Stacey B on November 21, 2013 at 10:48 am

    I learned that the Emerald Line of credit can be used anywhere that accepts MasterCard.. My tip is to look for sales! Black Friday weekend, and the following weeks after, are the best time to find low prices



  151. Jennifer T. on November 21, 2013 at 7:15 am

    I learned that the H&R Block Emerald Advance line of credit is applied to a Mastercard so it’s convenient to use anywhere. My savvy tip is to shop year round for gifts so that you can take advantage of sales all year.
    jtmagmom73(at)gmail(dot)com



  152. Wendy T on November 21, 2013 at 6:49 am

    I learned they have telephone support as well as office support (face to face) available.

    My tip is this: it’s not about things. Enjoy the true spirit of the season.



  153. Wanda McHenry on November 20, 2013 at 11:55 pm

    I learned that if approved, you are eligible to maintain your line of credit year-round.



  154. Danielle F. on November 20, 2013 at 11:26 pm

    I learned that all you need to apply is a government issues id and your most recent pay stub – no W2 form.
    My holiday spending tip is to shop year round – you can find some great sales all year. Just because you need a gift for Christmas doesn’t mean you have to wait until the end of Nov. at least to buy it – you can buy the gift in June or May if you find something the person will love at a great price.



  155. Betty Baez on November 20, 2013 at 9:21 pm

    I learned that you can pay your emeral advance with some of your refund.



    • Betty Baez on November 20, 2013 at 9:22 pm

      I like to use cash back sites, and always buy with coupons and promotional codes!



  156. DEBIJOT on November 20, 2013 at 9:13 pm

    I learned that once approved, you can access your credit line all year round. For holiday shopping I use coupons and take advantage of sales.



  157. Jessica B. on November 20, 2013 at 7:37 pm

    I learned you have access to your credit all year long.

    My holiday tip is to buy everything on sale and price match other store’s prices.



  158. Ava Chavez on November 20, 2013 at 7:34 pm

    I learned that you can get up to 1000.00 line of credit that you can apply for online. I try to shop throughout the year for my X-mas so that it’s not a rush & I can find things on sale.



  159. Becca @ Mama B on November 20, 2013 at 6:05 pm

    I learned that no w2 is needed!

    I always start shopping early to avoid the crowds and make sure I have enough time to get everything on my list! Also – list list list!



  160. Nataly Carbonell on November 20, 2013 at 5:28 pm

    I learned that I have the option to pay down the balance on the Emerald Advance with a portion of my tax refund



    • Nataly Carbonell on November 20, 2013 at 5:29 pm

      I try to pay my bills early to avoid late fees. I also like checking the prices and deals online before going to the stores.



  161. Naomi on November 20, 2013 at 5:00 pm

    It’s never too early to start planning a holiday budget! Or allocating your tax return to fund it…



  162. Suzanne K on November 20, 2013 at 4:56 pm

    I learned that if you are approved, you can use the line of credit year round. And that’s how I save money on holiday shopping… pick up things on sale year round



  163. Katie Sexton on November 20, 2013 at 4:27 pm

    learned that you can get $1000 credit



  164. steve weber on November 20, 2013 at 4:01 pm

    they have lines of credit… take advantage of free and online deals.



  165. Cynthia C on November 20, 2013 at 2:29 pm

    i learned that you can file taxes online at H&R Block.



  166. Stephanie Phelps on November 20, 2013 at 1:55 pm

    I really like that you can Access to credit year-round My tip is to shop the ads and use swagbucks



  167. Tarah on November 20, 2013 at 12:56 pm

    I learned that you don’t need a W2 to apply for this! I watch for sales & deals & always try to find coupons.



  168. Stephanie Gossett on November 20, 2013 at 12:51 pm

    I learned that you do not need tax info, just a current pay stub. I always buy one gift for each child that they really wanted if within reason, then I buy smaller gifts on sale or with coupons!

    ninigossett@gmail.com



  169. McKim on November 20, 2013 at 12:44 pm

    •All you need to apply is an unexpired government-issued photo ID and your most recent pay stub (no W2 form required!)



  170. Kim Henrichs on November 20, 2013 at 12:10 pm

    I learned that Emerald Advance is available as early as the Monday after Thanksgiving! My money saving tip for the holidays is stick to a strict budget. It’s easy to get sidetracked with cutely packaged items in the stores!



  171. Sarah Hirsch on November 20, 2013 at 11:52 am

    i learned that you can use money from emerald advance year round
    also, I save money by shopping around for the best deals



  172. Kristie G. on November 20, 2013 at 11:50 am

    I learned no W2 is required to get a holiday advance to help with your holiday shopping.



  173. D Schmidt on November 20, 2013 at 11:45 am

    Visited their site and learned they have a lot of useful information about the Affordable Health Care Act! I tend to shop throughout the year and use coupons!



  174. rebecca norton on November 20, 2013 at 11:02 am

    I didn’t know they they did line of credit.



  175. Tabathia B on November 20, 2013 at 10:35 am

    I learned that you have access to year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000



  176. Catherine on November 20, 2013 at 10:23 am

    I learned there is a $45 Annual Fee – Assessed on the day the Emerald Advance is opened. My holiday spending tip is to have a budget and to make a list.



  177. Thomas Murphy on November 20, 2013 at 10:05 am

    I learned If approved, you are eligible to maintain your line of credit year-round and shop sales to save money.



  178. Amanda Sakovitz on November 20, 2013 at 9:10 am

    I learned you can use a portion of your tax refund to pay your balance. I always shop sales and use coupons.



  179. Jessica w on November 20, 2013 at 7:59 am

    I had never heard of H&R Block Advance before, for gifts we draw names and then make gifts if we can.



  180. Denise L on November 20, 2013 at 7:28 am

    I learned that there is a $0.95 fee for each bill you pay on the Emerald Prepaid MasterCard. I try to save money in all kinds of ways with Holiday shopping. I use ebates and Shop at Home to get cash back on my online purchases. I also buy re-sold gift cards at a discount to make great deals even better!



  181. Cynthia R on November 20, 2013 at 7:17 am

    i learned you’re line of credit is put in an easy to use mastercard, savvy shopping tips, coupons, ebates, goodwill, freecycle



  182. Mary Happymommy on November 20, 2013 at 7:10 am

    I learned you can set up an appointment starting November 25th. My tip is to shop Black Friday sales online rather than fight the crowds.



  183. stephanie on November 20, 2013 at 6:21 am

    I learned that you can get up to $1,000.00 credit. really good!



  184. Rebecca Orr on November 20, 2013 at 6:17 am

    You can do early refunds for up to $1000 for Christmas shopping or whatever you need. I called and made my appointment on the first of the month for the 25th. We do it every year. Yes, we don’t get that money at tax time and we lose a little bit in interest and a small fee. But honestly, it’s easier this way for us. We are long time H&R Block customers! We have many in our area and they are all wonderful to us and we have never had any issues with them. Thanks for the chance!



  185. Jennifer on November 20, 2013 at 6:06 am

    Can be a year round credit if approved. Check for coupon codes and sales.



  186. latanya on November 20, 2013 at 5:58 am

    I start buying items early and do a lot of shopping online at places like zulily, jane.com, etc.
    I learned You could get up to $1,000 with an Emerald Advance.



  187. debbie on November 20, 2013 at 5:21 am

    I learned you can get the loan with just your normal ID. I always shop sales, and stick to a budget.



  188. Lisa Brown on November 20, 2013 at 5:16 am

    i learned: you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund. Holiday spending rip: just keep to budget and don’t over spend.



  189. Kelly Kimmell on November 20, 2013 at 3:24 am

    I learned that you can make an appointment in November! My tip is to shop year round and not get stuck in the holiday rush.



  190. Janet W. on November 20, 2013 at 3:15 am

    I learned from H&R Block that if approved, I would be eligible to maintain my line of credit year-round. A holiday spending tip is to compare prices between stores and use coupons when possible.



  191. Jessie C. on November 19, 2013 at 9:36 pm

    I learned from their site that it is year round credit and you can use your tax return to pay it back. My tip is to make plans ahead and compare prices before making purchases. Also when shop online, do not forget to click through cash back links.



  192. Michele P on November 19, 2013 at 8:44 pm

    I learned that you can only take out what you need and it needs to be paid in full in Feb. 2014. I shop using coupons and rebates and for holiday shopping and birthdays actually shop all year round, and buy bigger clothes for my grandsons from seasonal clearance so they will fit the next year.



  193. Margaret Smith on November 19, 2013 at 6:03 pm

    I learned that you can get up to $1,000.00 credit



  194. Kristen on November 19, 2013 at 4:39 pm

    I always look online for coupon codes and discounts before shopping.



  195. Cheryl F. on November 19, 2013 at 3:36 pm

    I learned that there is a “36% Annual Percentage Rate (APR)”.

    Buy gifts all year round when they’re on sale, instead of paying a premium price at the last minute.



  196. Christine Mayfield on November 19, 2013 at 4:02 pm

    I learned that you don’t need a W2 to apply and my savvy holiday spending tip is to search local facebook garage sale sites to find great affordable gifts



  197. Johanna Rhoads on November 19, 2013 at 3:42 pm

    Wow I learned you could set up an appointment as early as November 25th!



  198. Joanna Allison on November 19, 2013 at 3:35 pm

    I learned that they have lines of credit. Shop the sales online.