I am a big fan of outlet stores and I’m sure you can figure out why. EVERYTHING is on markdown. And since I don’t pay regular price for anything, Colorado Mills is just my kind of place.

NM Last Call

Here in Denver, we are lucky to have some pretty amazing outlet malls within driving distance, but my favorite is Colorado Mills because it is super close and it has some pretty great stores that offer pretty great stuff for really awesome prices! Check the cool page showcasing all of the deals in their stores too. Deal on top of deal? Sign me up.

Neiman Marcus Last Call is the place where Neiman Marcus merchandise goes when the regular stores need to move it out to make way for new items. And the stuff in NM Last Call is significantly marked down. You can also get on the store’s mailing list to find out when really special specials are going to hit the store.

Coach outlet store at Colorado Mills e1414770431775

And who doesn’t love Coach?! When we walked into the Coach store we were given a 50% off coupon. 50% off of everything in the store. I’m going to request that Santa shop at Colorado Mills so he can get more bang for his buck. icon wink

Michael Kors at Colorado Mills e1414773841225

In the Michael Kors store you can see the tags in the photo for yourself. It’s like Black Friday shopping every day! So even when it might feel like you’ll never be able to attain something at the regular price, just stop by the store and check out what they have and fall in love with the prices while you’re there. Or maybe that was just me?

SAKS Off 5th e1414773930121

The Saks Off 5th store also had everything marked down significantly. One of the sales girls was telling us that at one time they put every shoe in their store on sale for $49.99. They sold a $900+ pair of shoes for $49.99. Check it out.

Calvin Klein at Colorado Mills e1414774047773

And yes, a Calvin Klein store is coming soon!!!

So, for those of you who don’t live in Colorado, but would like to visit make sure that Colorado Mills is on your destination list.

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Credit Karma logo e1414529928201It has been a while since I have written a post about your credit score, but I have partnered up with Credit Karma™ and had the opportunity to sit in on a webinar provided by the Credit Karma™ team so I jumped at the chance to share updated information with you!

I have been a member of Credit Karma™ for several years and during the webinar I still learned more about the service. So, I want to share some of those things with you, but first I want to explain why you should care about your credit score and why you should sign up for Credit Karma™. (And, no, I don’t get paid if you sign up.) But it is free for you to sign up so head over and get started.

You all know, because I’ve talked about it in depth, the financial struggles I have faced as a single mom. Many of you have faced, and continue to face, those same financial struggles yourselves. It is tough to juggle it all and pay the bills. On time, no less. There was a time when I didn’t make enough money to pay all of my bills and my credit score suffered.

Your credit score matters because it is how financial institutions judge your financial stability and how they decide whether you are worthy of a low interest rate or a high one. Did you also know that insurance companies use your credit score too and your credit data is predictive of whether or not you will file a claim!? Credit Karma™ offers four different credit score numbers and two of them are insurance numbers.

I had had enough of struggling and turned to managing to a strict budget and staying on top of my credit score. And that is how, and when, I found Credit Karma™.

Credit Karma™ is a great solution to monitoring your credit because:

  • It really is FREE and you will never be asked for a credit card.
  • With Credit Karma™ you can update your credit report weekly with no adverse effects on your credit report.
  • Your credit information is in real time.
  • Be sure to take advantage of their credit monitoring by setting alerts.
  • You can use the credit score simulator to figure out how certain events like paying off a credit card, or even adding a new one, will affect your credit.
  • Credit Karma™ can also be accessed via their mobile app so you can always be in touch with your credit score. As you should be.
  • With more than 30 million members, Credit Karma™ is able to conduct in-depth analysis of the likelihood you will receive credit approval.
  • If you are in the market for new financial products Credit Karma™ is able to match your credit and personal profile with products that make sense for you.

I have finally been able to improve my credit score to excellent, but if I use the credit score simulator and simulate adding a new credit card my “portfolio” my credit score will drop almost 100 points!!! What I realized long ago was that when stores offer you 20% off to open up a store credit card that I needed to consider the immediate ramification it would have on my credit score. You can simulate all sorts of scenarios and you should be doing it every time you make a change to your finances.

Here is a screen shot of an example of the Credit Karma™ credit report.

Full Credit ReportThe most important pieces are at the top. You can see how many accounts, if you have any accounts in collections, how many accounts you have and how many missed payments you might have. And all of this allows you to monitor, and stay on top, of how the moves you make affect your credit. If you’re coming back from a low credit score you can use this weekly to keep making positive steps toward a high credit score. I am proof that monitoring your credit works.

Here is another screenshot example of the type of details it will show you on your accounts. You can see each account in detail and which months you might have had a late payment and/or how many. Or if you have not missed any payments you will see that too!

Account Details

Be sure that you download the app so that you can access Credit Karma™ on your mobile phone from anywhere you have mobile access. This way there are no excuses for not checking in on your information regularly because did you know that 25% of Americans have errors on their credit report? You should not be one of them. icon smile

Credit Karma Mobile iPhone Credit Score

This is a sponsored post written by me on behalf of Credit Karma™. All opinions are my own.

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Still need Halloween candy? Grab a $2 off coupon for soda and candy! #ScarySavings #shop

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Why YOU need to vote

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Breakfast Egg Rolls with Hillshire Farms Smoked Turkey #BringHillshireHome #ad

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I participated in this sponsored campaign on behalf of Hillshire Brands, but all opinions are my own. Around my house, breakfast is the favorite meal. During the morning on the weekdays I do not have the time to make a good and healthy breakfast, so I usually spend some time on the weekends to cook […]

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Crazed Corn Maze in Thornton, Colorado

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Save more on fuel with Fuel Rewards Network #spon

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I participated in this sponsored campaign on behalf of Fuel Rewards Network™, but all opinions are my own. Gas prices are already falling, but don’t you want to be able to pay even less!? I know I do. With Fuel Rewards Network™, they reward you for things you are already doing like fueling up at […]

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Dr Pepper Snapple Group’s commitment to balance #DPSBalance

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I participated in this sponsored campaign on behalf of Dr Pepper Snapple Group and The Motherhood, but all opinions are my own. I recently had the opportunity to sit in on a behind the scenes virtual briefing with some of the Dr. Pepper Snapple Group’s brand experts  to learn about DPS’s commitment to balanced and healthy […]

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