H & R Block Emerald Advance Line of Credit for the holidays ($300 Gift Card Giveaway!)

H & R Block

The holidays can be a very stressful time of year for many folks, especially in this economy where folks are struggling day to day. They are left wondering how they will buy holiday gifts for friends and family. Even if these same people don’t plan on spending a large amount, it is nice to know there is help out there if they need it.

The H&R Block Emerald Advance line of credit can help these same people during the holidays, and even year round!

Getting a regular loan is not only a hassle, but it is very time-consuming. I am all for less stress, and more fun during the holiday season (and always, really!), so it is good to know that with H&R Block’s Emerald Advance® line of credit, you might be able to receive up to $1,000 without a bunch of hoopla that other loans require.

Emerald Advance,H & R Block,line of credit

With Emerald Advance:

  • Applying is easy! All you need is an unexpired government-issued photo ID as well as your most recent pay stub (no W2 form required!)

  • You do not already have to be an H&R Block client to apply

  • The Emerald Advance is a line of credit, which means you can draw from as you need it.

  • It can be used year-round for emergencies, unexpected expenses and other short-term credit needs.

The application process will be starting on November 25th this year, so what that means for you is that the line of credit could be available in time for the holidays!

Of course, there is so much more than just gift buying during the holidays. If you travel to visit friends or relatives, host a big holiday party, or have other plans, you just might benefit from the Emerald Advance line of credit. I know for me, it would be a huge relief to have that money available year-round, in case of emergency. If I don’t need it, I don’t have to use it! I always fear that something will break around the house, that HAS to be fixed, and there will be no money to cover it. That is scary stuff!

If I had an Emerald Advance, there are several things I would like to do, including buying new holiday decorations. My husband and I have been married for over 17 years, and when we first bought our house, we bought plenty of decorations. I really haven’t replaced many of them, so they are old and quite frankly, pretty ugly.

I would also like to get my husband something really special this year for Christmas. He works so hard for us, but rarely buys himself anything. I have several ideas for gifts that would make him swoon (including the PS4!), and it would do my heart good to give to him for a chance.

There are a few things that have helped me with saving money and budgeting over the holidays:

One of my favorite things to do each year is save up change all year long. We put our spare change in an old empty water bottle (it is huge!). Each November or so, I dump the money into bags and take the bags to a Coinstar machine. In the past you could only get cash for the coins, but now there is the option to get gift cards. It kind of feels like I am getting them for free!

Another thing that has helped me is buying gifts ahead of time when I can.  It is SO nice to buy holiday gifts throughout the year.  When something strikes my fancy, I buy it right away, instead of telling myself that I can always purchase it closer to the holidays.  By doing this, I don’t feel so financially burdened during November and December and it definitely takes a bit of pressure away near the holidays!

What would you do with an H & R Block Emerald Advance line of credit?

Make sure you go to the H & R Block website to learn more about the Emerald Advance line of credit, or to make an appointment. Also, don’t forget to follow #HRBlockEA to follow the discussion and learn what others are saying!

H & R Block,Emerald Advance,line of credit


One (1) winner will receive a $300 Gift Card which can be used most places (like a Visa, Amex, etc.).

Open to US only. Giveaway ends 11/30.

a Rafflecopter giveaway

No purchase necessary. Open to residents of US only. Giveaway ends November 30, 2013 at 9:00 p.m. (PST). ONE ENTRANT PER HOUSEHOLD/IP Address! I check all entries – cheating will not be tolerated. Winner will be notified via email and needs to reply within 48 hours, or a new winner will be chosen. Please make sure you check your spam folder – I will not be responsible if you did not receive winning email notification. Winners name(s) will be displayed on the post, and will also be posted on Winners List shortly after drawing has occurred. Winners will be chosen randomly by Rafflecopter. Screenshots of winners available by request. Prize will be shipped directly from sponsor or their PR Agency unless otherwise noted. Eighty MPH Mom is not responsible for prizes lost in transit, although every attempt will be made for prize delivery.

**By entering this giveaway, you confirm that you have read and agree to my giveaway rules. Sponsor reserves the right to limit one prize per person/household (of this item/prize pack). Please allow 6-8 weeks for deliver of prize {though it is usually much sooner}. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook. We hereby release Facebook of any liability. Odds of winning: The number of eligible entries received determines the odds of winning. All prizes will be awarded. Void where prohibited by law.

*H&R Block has asked me to help promote the Emerald Advance Line of Credit, and I will be receiving a gift card as a thank you. The prize will be 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. Open to US residents 18 years and older. Winner to be chosen at random.

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About Jennifer-admin

Jennifer Regan is the owner/editor-in-chief of Eighty MPH Mom, a family-friendly blog. She is active in Brand Ambassadorships and campaigns, and is active in social media, helping brands promote!


  1. it would help for the gifts for the family and travel expenses on the holidays

  2. Holly Thomas says:

    It would make buying gifts easier.

  3. It would help us make sure there is food in the house while hubby’s job is closed for 2 wks during the Christmas Holiday!

  4. It would help me because I wouldn’t have to think too much about what I’m spending on gifts for my family this year.

  5. I learned from their website that if approved, I would be eligible to maintain my line of credit year-round so I can be prepared if the unexpected occurs.

  6. A holiday budgeting tip is to take advantage of sales, like on Black Friday, and make a list of gifts you want to buy and stick to it. That way you won’t over-spend.

  7. Sandra VanHoey says:

    With 9 grandchildren, it would help me out tremendously and save me lots of worrying about can I do this or not

  8. Pauline Milner says:

    I try to pay for all of my gifts with cash. Actually, I do put them on a credit card to get the rewards but I immediately pay it off. It would be nice to have some extra credit available in case I want to buy a higher priced item or if I suddenly need cash and do not have it readily available. Thanks for the super giveaway opportunity. Keep up the terrific blogging.

  9. Pauline Milner says:

    I learned that your account is also accessible through the Emerald Card Mobile Banking App. Thanks for the super giveaway opportunity. Keep up the terrific blogging.

  10. Pauline Milner says:

    In a notebook, make a list of all your gift recipients. Assign a dollar amount to each recipient. Add your gift ideas for each recipient. Take the notebook with you when you go Holiday shopping and be sure to consult it before you buy in order to stay on budget. Thanks for the super giveaway opportunity. Keep up the terrific blogging.

  11. Kim Henrichs says:

    I would be able to buy gifts that as of now, will not be purchased.

  12. Wild Orchid says:

    This would help so much with the cost of my meals since I will be doing so much cooking this season.

    Entered the rafflecopter as “Wild orchid”

    Thanks for the chance to win!
    wildorchid985 at gmail dot com

  13. It would take away some stress knowing that I would be able to purchase the gifts that I want to purchase my family for Christmas

  14. my holiday bugeting tip is start buying early and scan online sites for savings

  15. Lisa Brown says:

    an emerald advance line of credit could offset the expense of the holiday gifts.

  16. Lisa Brown says:

    holiday budgeting tip: have a set amount to spend, leaving a bit in case you go over. try to stick to budget.

  17. robyn paris says:

    it would help me in the times when i’m waiting to get paid but want to get that special item.

  18. It would help with gifts for my son.

  19. I would get a Christmas gift for my son with it.

  20. Joyce Harrell says:

    It would certainly free up more money for us if we had a line of credit.

  21. Cindy Merrill says:

    I am sure this would help me stretch our food budget so we could afford a few special meals,like the turkey we can’t afford for Thanksgiving. but;…I must admit, I’m worried about the interest rate payments, in the long run, I could end up paying $400 back, or more (that’s how loaners make their money). I think I’ll pass.

  22. Cindy Merrill says:

    My biggest Holiday tip- swallow your pride and attend the free church dinners for the holidays- you’ll meet some nice folks and the food is generally very good.

  23. Cindy Merrill says:

    on the H&R block site: You can choose to receive your refund proceeds, minus tax preparation and processing fees, on an H&R Block Emerald Prepaid Mastercard®110, via a physical check or deposited to an existing account.

  24. We would not be living paycheck to paycheck during the holidays

  25. The Emerald Advance Line of Credit would allow us to purchase plane tickets to fly my parents in to celebrate Christmas with their granddaughter :)

  26. would allow me to purchase fancier gifts!

  27. Jennifer T. says:

    I could use it towards home improvements and repairs and also for gifts.

  28. Birdie Skolfield says:

    Im having car problems that would save us for sure

  29. Jennifer T. says:

    For holiday meals, check with your guests to plan the menu. Everyone might be surprised at what’s already in your pantry and freezer.

  30. Jennifer T. says:

    I learned that the H&R Block Emerald advance Line of Credit loads to a Mastercard so it’s convenient and you can use it as you need it.

  31. We are SO broke right now that I am not sure we will even be ABLE to have Christmas. So this would be more helpful than you know.

  32. Mary Happymommy says:

    It would take some stress away from buying Christmas gifts.

  33. Julie Wood says:

    A H&R Block Line of credit would help me so much during the Holidays because it would keep me in budget and help me get more presents for others this Holiday season!

  34. My budgeting tip: decide how much money you want to spend, then make your list of gift recipients plus a column for “extras” like decor, food, etc. Divide up your designated dollars however you want ($50 for your parents, $10 for your dog walker, etc.) and then stick to that number when shopping.

  35. Julie Wood says:

    At the H&R website I learned that I can get a year round line of Credit that I can borrow on during the year up to $1,000 dollars to help me with unexpected expenses! I did not even know that this was offered. Sounds like a great deal!

  36. Christine Mayfield says:

    It would help me to buy groceries for my family and maybe a few toys for their birthdays which are right around Christmas.

  37. Christine Mayfield says:

    My budgeting tip is to not be afraid to shop garage sales or local facebook sales sites to find gifts. You can find brand new stuff for a fraction of what it costs at the store.

  38. Julie Wood says:

    A good budgeting tip is to put money aside all year long so you do not have to go in debt over the Holidays. And to look for Christmas Items during the year when it is on sale or marked down. I have saved so much money during the year buying gifts on sale.

  39. It would help us with other expenses that seem to go up during the holidays, like gas especially with all the visiting we do during the holidays


  40. This year has been tough financially. I would be able to buy the kids clothes (pants) so they don’t have to wear highwaters next year.

  41. I think it would help me feel less stressed about where the money is going to come from. I always budget for each family member and since I shop throughout the year it feels more manageable but this would be a way to make sure everyone gets what they want.

  42. it would help me buy gifts

  43. i learned the If approved, you are eligible to maintain your line of credit year-round127. Be prepared when the unexpected occurs.

  44. Shop online through cask back site to maximize savings.

  45. It would mean I’d be able to afford to host Christmas Dinner for the whole family

  46. The Emerald Advance allows to draw from as I need it., perfect to help during holidays.

  47. I learned from their site that I can file online and choose the right version is just one click away.

  48. My granddaughter was born on Christmas Eve – so the gift-giving doubles for her (not to mention the party) so I would be nice not to have to worry about those expenses.

  49. It would help me to pay for the holiday gifts

  50. budgeting tip: use coupons every time you shop

  51. ellen beck says:

    This would help so I would have some money for gifts and I would know exactly how much I have to spend.

  52. I could get my kids the gifts they want without having to wait on a paycheck!

  53. It would help spread the love for Chirstmas

  54. I learned there is a $45 annual fee and a 36% APR

  55. I try and buy gifts in advance. I buy teachers gift cards in October, and try and spread out other gifts that I know I will be purchasing throughout the months

  56. Colleen Boudreau says:

    it will make buying gifts much easier and cause less stress.

  57. Colleen Boudreau says:

    I learned that you have the ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose.

  58. We are broke, and I could use all the help I can get for the holidays.

  59. I like this:
    Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  60. I scour all the websites around this time of year to find the best prices on the things I want to buy.
    I take advantage of free shipping offers and I use sites like Retail Me Not and Ebates.

  61. vickie couturier says:

    it would help me get the things I need to get even though Im on such a tight budget

  62. It would make it easier to buy gifts for the family

  63. It would certainly make it easier to buy presents without having to scrip in other areas of my budget

  64. It would help make sure there is enough money for presents for sure.

  65. Cathy Truman says:

    It would help with Christmas Shopping and some medical bills.

  66. kim burnett says:

    An emerald line of credit would ensure I have the money to get all the things on my kiddos Christmas lists!

  67. kim burnett says:

    From HR block website I learned they offer live advice through their 1800 number!

  68. kim burnett says:

    My holiday shopping tip is shop the sales don’t just go shopping on a whim! Check the ads and chances are someone will have what youre looking for on sale!

  69. Cathy Truman says:

    You can access your credit year round

  70. It would expand our budget a lot, and provide some relief since we have a baby on the way.

  71. Barbara Montag says:

    This would help with Christmas and grocery shopping – thank you.

  72. I learned you can get a line of credit up to $1,000.

  73. Sonya Morris says:

    I could finish all of my holiday shopping before the last minute!

  74. Holiday budgeting tip: wait ’til the Monday after Thanksgiving (AKA Cyber Monday) for online deals all over the place. Don’t worry about the hassle of fighting crowds in stores.

  75. Sonya Morris says:

    I learned that you have access to credit year round.

  76. I wouldn’t have to worry about available cash for gifts.

  77. It would help with all my Christmas shopping this year. I wouldn’t have to worry about where the money was coming from or using a credit card with a high interest rate.

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

  79. Buy gifts all year round when they’re on sale. Don’t spend more than you can pay (off).

  80. David Holder says:

    I could get everyone on my list without waiting on my Christmas bonus.

  81. I tend to over-extend myself during the holidays (don’t we all?) and I over-buy, when it comes to presents as well as holiday food…and then it’s such a struggle to pay bills. This would be a great help! However, it would probably also help to stick to a budget and STOP over-buying!!

  82. Jennifer Rote says:

    It would make the holidays easier for us by not having to spend bill money on presents.

  83. Linda Kish says:

    It would give me extra money to spend on gifts.

  84. Michael Mayhew says:

    It would be great to have some extra money on hand in case I see a gift I would like to get on sale and don’t really have the money on hand to get it.

  85. would give me a little elbow room

  86. Heather Hayes Panjon says:

    It Would Help Me With Travel Expenses.

  87. I can surprise the hubby with a trip to Vegas with this!

  88. sandra davis says:

    it would help because its just a line of credit that can draw as you need it so if i came up short this holiday season it would really be helpful

  89. sandra davis says:

    a holiday budget tip that i have is to set a budget and stick to it.

  90. Jennifer R says:

    more money for the holidays!!!

  91. Tip: Dont overspend- you dont buy love with things- know what they need and try and get it rather than try to impress.

  92. Wanda McHenry says:

    It would help knowing that we have something to fall back on instead of using the paycheck and end up being tight for our basic needs.

  93. Wanda McHenry says:

    Stick to your budget, don’t try to over impress!

  94. Jennifer Barr says:

    It could help some that are having a hard time.

  95. I think if I was making a major purchase I might consider one, but right now I’m still in school and learning about managing finances so the kinds of things scare me a little bit to be honest

  96. rebecca shockley says:

    It would take away some stress, and also add some gift’s under the tree

  97. gregg deering says:

    extra money at the holidays is always needed

  98. Robin Wilson says:

    It would ensure that there is a Christmas in our house this year. Right now…not gonna happen.

  99. Robin Wilson says:

    Shop year round. If you can’t do that then start early and stick to your budget and lists.

  100. This year we are hosting & throwing a holiday party at the assisted living center for 32 seniors. Having this would certainly decrease my stress level of trying to get all of the money in order, the supplies purchased and the place decorated. Like you…I am all about LESS STRESS during the season

  101. Charles Pearson says:

    To buy Christmas gifts.

  102. well, I won’t really be buying presents this year! So anything I win would make it possible this year!!!

  103. Elizabeth Fitzmaurice says:

    It would totally help me with my Christmas shopping this year. Not have to count every penny while I’m shopping ~ just shop away (within reason).

  104. It would help me buy a tree

  105. I learned you can apply thru jan 15

  106. Budget tip: Shop with cash you cant spend what you didnt bring

  107. Sharon Kaminski says:

    It would make our family’s christmas extra special this year with more gifts and food.

  108. I would buy my family xmas gifts

  109. This Emerald Advance will help my family in times of need when money is tight and you don’t know when the next meal is coming but you have to ensure that the children have something to eat.

  110. William Hoffman says:

    It would help me buy gifts.

  111. I could have year-round access to up to $1,000 which would help me purchase christmas gifts

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

  113. I’d use it to plan around sales and buy all my gifts accordingly. I could be a gift giving superstar!

  114. It would let me not worry about holiday spending.

  115. Amanda Sakovitz says:

    It would help me to buy gifts for my family.

  116. Amanda Sakovitz says:

    a holiday budgeting tip is to bring gift cards only so you dont go over your limit when buying gifts

  117. It would help me pay for all the travel we have to do.

  118. Travel expenses so we could see all of our family as opposed to just those that are local! (:

  119. It would help with gifts and Christmas dinner.

  120. Nancy Newman says:

    It would certainly help with holiday expenses

  121. alyce poalillo says:

    I would love to do all my gift and food shopping with cash-make the holidays and days after more pleasant

  122. It would scratch 1 of the kids off the list at least, maybe 1 1/2! Christmas is expensive!!

  123. Allison Downes says:

    This would help make buying gifts a lot easier! Thank you for the opportunity to win!

  124. Margaret Smith says:

    It would help me to buy gifts for my family without having to have the money right now.

  125. It would make buying gifts easier.

  126. By now, we’ve run through our savings account. However, there’s lots of buying to do. This would help me with all of the expenses of the holidays.

  127. Margaret Smith says:

    I learned that you can get up to $1000.

  128. Angela Kinder says:

    We would be able to work on our car without worrying if we could afford Christmas at all. Who knew an older car cost so much??

  129. Angela Kinder says:

    To pay for Christmas, I have used Swagbucks for the past 2 years. Without, we wouldn’t have had any gifts!

  130. Start planning gifts early in the year and always buy on sale and take advantage of online prices!

  131. kelley wood says:

    it would help me buy gifts on our 1 income :)

  132. Michelle H. says:

    It would help me if I needed help to get my with purchases for the season.

  133. Kelly Nicholson says:

    Tell me in a comment how an Emerald Advance line of credit would help you during the holidays!

    tis the debt time of the year..duuuh…thanks

  134. Kelly Nicholson says:

    Leave a holiday budgeting tip in the comments section below!

    cut yer credit cards now..make your gifts..its the way it should be anyway

  135. It would help pay for traveling expenses to visit family!

  136. Thomas Murphy says:

    It would help me buy more presents.

  137. Michelle Spayde says:

    I believe in budgeting for the holidays, but it would certainly come in handy for sudden unexpected expenses.

  138. It would help me with shipping gifts to my kids and grandkds all over the country, and help me with the extra groceries needed for holiday meals.

  139. Tami Vollenweider says:

    It would help me to take care of unexpected expenses and make the Christmas Shopping season a better experience

  140. Steve Stone says:

    It would make shopping a more enjoyable event.

  141. This year we have not only gifts to spend on for the Holidays, but a new baby on the way so every dollar we have is important this year. :)

  142. Robin Wilson says:

    I learned they offer a EMERALD ADVANCE® LINE OF CREDIT

  143. gregg deering says:

    This is a great time for coupons and sales. Look around before you buy.

  144. Larry Fullhart II says:

    Christmas presents for the nieces/nephews.

  145. Grace Scammell says:

    I am hoping to help pay on a trip with savings from this

  146. tara darity says:

    it would help get gifts and food!! thanks for the giveaway!!

  147. It’s a nice way to make sure the lights stay on and we don’t have to worry during this crunch time.

  148. would keep me from dipping into savings too much

  149. i learned you can repeatedly borrow and repay up to $1000

  150. tip: shop the sales flyers

  151. It would help me to buy some christmas gifts

  152. melikegarfield says:

    The Emerald Advance line of credit would mean less money charged to my credit card during the holiday season. That would be awesome.

  153. Sarah Hirsch says:

    it would help because it would be great to have some extra money

  154. Sarah Hirsch says:

    You may apply in participating offices from November 25th 2013, through January 15th 2014

  155. Sarah Hirsch says:

    shop around and look for sales and coupons

  156. It would help me keep track of where my money goes during the holidays.

  157. This would help until some expected checks come to me in January

  158. I pick up things on sale year round

  159. Have a budget and stick to it.

  160. Jennifer Davis says:

    i would be able to buy my nieces and nephews gifts

  161. kKatherine says:

    Be able to get some extra gifts for family

  162. Barbara Butler says:

    I learned that your account is also accessible through the Emerald Card Mobile
    and I try to get stuff on sale for Christmas thru out the year….

  163. Spread holiday shopping throughout the year so the expense doesn’t come all at once

  164. Bridget Merker says:

    It would help me to buy gifts that I cannot afford to buy.

  165. well, it would help me get a few nice gifts for the family but also keep us warm by providing us with some oil for the tank since it gets darn cold here in Maine during the winter months!

  166. Brittany C. says:

    It would take some pressure off of us taking on the financial burden of buying gifts!

  167. The Emerald Advance would relieve a lot of stress when it comes to taking care of travel expenses and not worrying about breaking the bank before the new year hits!

  168. I would be able to buy all my presents on my list.

  169. It would help me to buy gifts for my family.

  170. widowed mom with 4 kids……….it would help greatly

  171. Barbara Montag says:

    I learned that you can file online or in an office – thank you.

  172. Barbara Montag says:

    I check the Sunday paper ads for the best sales.

  173. I would be able to buy Christmas presents early- then pay for it in the first part of 2014! Thanks for the giveaway!

  174. My tip is to make a list and set a budge for each person. I do this every August 1st and I start shopping at that time. I don’t wait for black friday deals or last minute shopping and I am usually done by Dec. 1 and almost always stay under my budget

  175. hilda torres says:

    It would help us with holiday spending.

  176. It would help with holiday shopping.

  177. My tip is to make a budget ahead of time and check online for sale prices.

  178. i look or sales and use coupons

  179. Alana Vester says:

    It would help me buy Christmas gifts. Money has been really tight this year due to a surgery and an ER visit I had, I don’t want my kids to go without.

  180. Rickie Hinrichs says:

    I’m unemployed and need anything I can get.

  181. Alana Vester says:

    Shop around for the best deal. Don’t always go for the first deal you find, most of the time you will find a better one. :-)

  182. I would use it to get a gift for my husband. Many years ago, we stopped giving one another individual gifts for holidays and special occasions – instead, we buy something bigger that we both want or need (like a TV or new computer). But, hubby deserves a gift that is all his own to thank him for being such a great husband AND dad.

  183. Between mine and my husbands 3 children, and my 2 step children, we could use any extra money possible! This would help SO much

  184. it will help with xmas shopping because you can take out cash…

  185. The ability to access funds now and pay it with our tax return after the first of the year would make it easy to have cash flow for the holidays.

  186. I find that making a list helps me plan expenses. When it’s all together on one page I can see everything I need to plan for at a glance.

  187. I learned that you can have access to the line of credit year round in case you have an emergency come up.

  188. My holiday budget tip is to use coupons and shop throughout the year. That way your budget won’t be blown during the holiday months.

  189. It would make buying gifts easier. Since I have no money saved this year.

  190. It would help us a lot because I have our son’s and husband’s birthdays along with Christmas in Dec. We also have to get Christmas presents for his family (4) and mine (7). Even if we only spend $25 per person it still ends up being $250 and that isn’t including us!

  191. During the holidays we spend more money than usual this would help me give my boys an awesome Christmas.

  192. It would help me buy all the gifts I need to. There are so many left to get!

  193. It would help me stay current on bills, so I* could spend a little on my daughter.

  194. Since you can maintain a line of credit throughout the year, I could buy items I find good deals on all year and not take a huge hit in December.

  195. G Andolina says:

    I could take advantage of discounted sale prices on needed items

  196. I learned that you can use part of your tax refund to pay down on the balance of the loan and that they have a mobile app where you can access your account.

  197. It would give me the money needed to go visit my daughter.

  198. Tabitha P. says:

    it would mean that i could actually afford to buy something for christmas.
    and that would mean a great deal.

  199. It would really help out on travel. We have to go two places and could really use help getting there

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

  201. It would help me spread out Christmas expenses to make it easier to get through the holidays

  202. Amanda Sakovitz says:

    i learned in order to apply you need your Current earnings statement

  203. april yedinak says:

    It would give me some wiggle room in my very tight budget and make it so I could have a bigger Christmas dinner.

  204. april yedinak says:

    I learned that they have a mobile banking app so you can keep track of your balance.

  205. april yedinak says:

    I use cash back sites and free shipping offers when I shop online to help with my holiday budget.

  206. Theresa Jenkins says:

    once the bank approved the Emerald Advance , year-round line of credit , and I would need financial help. I could repeatedly borrow and repay up to $1000

  207. It would help for shopping for gifts.

  208. Conveniently work with a Tax Professional on your terms, without ever coming to an office.

  209. H&R Block’s Emerald Advance line of credit would be great right about now because I would have a vehicle that was running. I need two coil packs and tires so I can get my car fixed and inspected and no money to buy them right now. I haven’t even thought about Christmas yet. According to your post you have to have a current pay stub and the reason I can’t pay for what I need right now is I’m not working. I am expecting to get an income tax return on money from earlier when I did have income. I’m not sure I would be eligible for the H&R Block’s Emerald Advance line of credit but I’m sure going to check into it. Thanks so much for choosing to do this review and letting us all know about it and for having this giveaway.

  210. Theresa Jenkins says:

    If approved, you are eligible to maintain your line of credit year-round

  211. Theresa Jenkins says:

    budget tip is to make a budget and what I do to pay for that budget I open a Christmas club and pay a little at a time

  212. amy pugmire says:

    I wouldn’t have to stress out about how we will be paying for everything this year.

  213. I learned if approved, you are eligible to maintain your line of credit year-round and use it as you need to for emergencies if needed.
    Thanks Again!

  214. My biggest tip that I usually do is shop right after Christmas is over because a lot of the items go on clearance that didn’t sell and I have saved a bundle doing this.

  215. It would be a quick and easy way to buy gifts this year.

  216. Could use some gas money for holiday travel

  217. Danielle F. says:

    The line of credit would be helpful when purchasing higher ticket items like a new dishwasher which I am shopping for right now. I usually pay cash for smaller priced items I purchase every day or for gifts.

  218. Danielle F. says:

    A holiday budgeting tip is to decide in advance how much money you want to spend on each person and don’t go over it no matter how tempting it may be. Give yourself bonus points for finding a gift in the allotted price range but that you end up paying much less for because of a good deal/sale at the time. Also, shop year round for holiday gifts – if you seem something on sale in June for a family member that they will love, buy it and save it until the holidays. One less gift to need to buy.

  219. Danielle F. says:

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

  220. Danielle F. says:

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

  221. It would definitely help with family members’ travel.

  222. it will help my family with food and gifts.november and december get real hard on single parents. i wrk a full time job. i hve 2 kids. just payings bills and buying gifts u hve to choose. so the loan will really benefit us.

  223. Kyl Neusch says:

    make buying gifts easier.

  224. you can use your tax refund to pay towards what you owe

  225. Betsy Barnes says:

    An Emerald Advance line of credit would help us stock up on canned goods and other non-perishables in case my husband’s job slows down and he can’t work full time. :)

  226. Betsy Barnes says:

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

  227. Betsy Barnes says:

    My budgeting tips, make a detailed gift list, research deals and prices online before you shop and stick to your list :)

  228. Ava Chavez says:

    I could take that trip to see my family with it!

  229. soha molina says:

    I will have extra money to spend.

  230. I learned that the APR is 36%. That’s a little steep even for a line of credit!

  231. Never spend money you don’t have on Christmas. Save for the holidays and if times are tough, then make do with what you do have. Overspending and using credit will only make things worse

  232. Not only do I have christmas bills but I have a wedding in march.

  233. Audra O'Hara says:

    This would be something helpful if one were having trouble paying bills and buying gifts for Christmas. For me personally, it would help buy items for my business at the end of the year so that I could deduct those items on my taxes for that year.

  234. Audra O'Hara says:

    I learned they have a section on managing your health. You can compare health plans and get help with enrollment for 2014.

  235. Rhonda Mason says:

    I’ve a lways had a Christmas Club account so I know I won’t have to rob Peter to pay Paul come shopping time.

  236. Rhonda Mason says:

    An Emerald Advance line of credit would help with the extra entertaining costs.

  237. Rhonda Mason says:

    stick to your list- no impulse shopping

  238. wendy rozema says:

    it would help me buy Christmas gifts this year!

  239. I learned that they begin taking applications for credit on Nov 25th.

  240. It would help me pay some medical bills and get gifts for loved ones.

  241. Dinorah Gonzalez says:

    I could get a brake job on the car!

  242. steve weber says:

    It would help with all of my gifts I have to buy this year.

  243. steve weber says:

    I learned that they begin taking applications for credit on Nov 25th.

  244. steve weber says:


    make sure you plan ahead.. you don’t need to spend more than you need to.

  245. It would be so much help buying for our 2 grandsons and the rest of the family….I want them to have a wonderful Christmas!

  246. You have access to your credit year round

  247. My tip…try to pay cash for all of your purchases!

  248. it would help pay for gifts

    kport207 at gmail dot com

  249. It would help to load the balance of what you are planning on spending on the card and when it was gone, you are done shopping. That would make you stick to your budget!

  250. A great way to keep within your budget is to shop sales, coupons and discounts and combine as many as you can. It takes time, but will save money.

  251. I learned they have health care solutions. Anyone trying to make sense of the new health care laws could use that.

  252. Mary Anderson says:

    This would cover my travel expenses.

  253. Probably not.

  254. Jessica H. says:

    December is a hard month for us. We already struggle, and then there is Christmas, and it is also the time of year our huge insurance bill is due. Emerald Advance would help immensely by giving us a little relief during the holiday season. Thank you for the wonderful giveaway!

  255. Jessica H. says:

    My budgeting tip is to buy gifts throughout the year so there is not a huge burden on finances at one time.

  256. Betty Baez says:

    It would help with any unexpected emergencies, or help fund christmas purchases!

  257. christine jessamine says:

    It would be nice to be able to get alot more toys for my kids.

  258. Seyma Shabbir says:

    Consider trading gifts instead of buying gifts, could be a service!

  259. Marcia Goss says:

    I would really help me to finance a trip to visit my Mom for the holidays.

  260. Marcia Goss says:

    I learned that you can load money from your line of credit onto a prepaid card.

  261. Sonya Morris says:

    Shop sales & use coupons wherever possible. Oh my goodness, black friday is this week…eek!

  262. Amanda Hoffman says:

    it would help me know for sure i have enough money for christmas gifts

  263. Set a budget, and bring cash with you shopping to avoid impulse buys!

  264. Well, with the holidays coming up, I was recently hit with the news that, for some reason, my daughter’s college tuition is behind and her account is on hold – this in spite of the fact that she is studying abroad in Japan this year at a school which is LESS expensive than her school here, where all of her financial aid (scholarship, loans, grants, etc.) still apply AND the fact that the remaining tuition is on a tuition payment plan that comes to more than $600 a month. :( .. so I have to come up with $2000 dollars extra this half right at the holidays in order to make certain she can register for her classes in January. I would use the line of credit to buy any Christmas presents that I still needed after her tuition was paid.

  265. It would give me an extra line of money during the holiday season in case I went over or had an emergency.

  266. Crystal Sweet says:

    Earning cash rewards with the H&R Block Emerald Prepaid MasterCard during my holiday shopping would be very helpful!

  267. Crystal Sweet says:

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

  268. Crystal Sweet says:

    Sticking to your holiday budget is easy when you take out cash in the amount that you budgeted to spend and only use that cash when shopping.

  269. I learned that if someone is approved they can maintain their line of cred yr round.

  270. A line of credit would be nice to help out this holiday season, but I am not interested in applying for anything just want to win the $300 gc.

  271. Holiday budgeting tip shop early like start in the summer it takes away a lot of the pressure and stress.

  272. Holly Storm-Burge says:

    I would be able to buy for everyone without feeling the pinch.

  273. Holly Storm-Burge says:

    I learned that you can load funds drawn from your line of credit to your H&R Block Emerald card for easy access.

  274. Holly Storm-Burge says:

    I always Christmas shop with a list to make sure I don’t grab a gift for someone I’ve already bought for.

  275. It would help to have this line of credit so I wouldn’t be scrambling for cash in January.

  276. rebecca shockley says:

    That they have an annual card fee of $45

  277. Holly Thomas says:

    I learned the Emerald Advance is available year round.

  278. Holly Thomas says:

    I shop all year to spread it out.

  279. Heather Baker says:

    It would really help out getting gifts for my daughters and husband.

  280. Darlene Carbajal says:

    It would help out a lot!

  281. The card would help me stay within my budget by only allowing me to spend what is on it rather than adding to my credit card or using my debit card.

  282. I learned that Emerald Advance will be available in participating offices beginning November 25th

  283. My holiday budget tip is to make your list after Christmas that way you can shop throughout the year. Keep note of what everyone liked and didn’t like, and keep updating tastes and sizes.

  284. It would me to get Christmas gifts this year.

  285. Gail Williams says:

    I’d like to be prepared for unexpected expenses, especially when traveling. This card would help.

  286. Cathy Shaw says:

    That line of credit would help me shop for some premium food items, champagne, and gifts for my nieces and nephews.

  287. Cathy Shaw says:

    My budget tip? Don’t be like me and buy impulsively!

  288. Tina Bowling says:

    It would be nice to have the line of credit available in case something goes wrong with my car. I’m always worried about large car expenses!

  289. Pam Gurganus says:

    It would definitely help with buying Christmas gifts and help with the cost of traveling…gas prices have shot through the roof again! And we’ll be driving from Florida to Michigan, so it would also help with motel accommodations on the way there and back again! It would just take some of the financial pressure off that would keep us from having the kind of celebration we’d like to. Nothing extravagant, but enjoyable being able to be with those we love.

  290. Pam Gurganus says:

    I learned, and think it’s awesome, that I can pay down my balance on the advance using some of my tax refund if I want!

  291. Pam Gurganus says:

    My holiday tip is to be sure and do your research and compare prices on items at several different stores! For example, I found a toy last night that my niece wants. At the maker’s online store, it was $65. Well, I found it elsewhere on sale for $29. with shipping included! It can be time consuming, but well worth it to take some time in order to save money.

  292. Priscilla P. says:

    Emerald Advance line of credit would help buy all my Christmas at once.

  293. Patty wright says:

    I could buy gifts

  294. Patty wright says:

    Don’t spend more than you can afford

  295. Debra Guillen says:

    It help me to make my kids Christmas special

  296. Debra Guillen says:

    You have the Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose

  297. richelle bowers says:

    it would help me get my dream vacuum

  298. richelle bowers says:

    my tip is to try to buy thru out the year. so you’re not shorting yourself of time or money at the last minute

  299. It would help to buy gifts.

  300. Adrianne B says:

    The Emerald LOC would help me finish up some auto repairs we need to get on top of before the really cold weather!

  301. holiday budgeting tip: go light on the gifts. It’s more about the time and love than the gifts exchanged. This year I’m painting/crafting some canvases for wall decor and making jars filled with candy. So fun.

  302. Something I learned: Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard for easy access.

  303. Seyma Shabbir says:

    HR Block give different options on how to get your refund: check, direct deposit, or Emerald Card.

  304. The line of credit would come in handy for Christmas shopping

  305. I have to host two large dinners – one on Christmas Eve with about 28 people and one on Christmas Day with about 23 people. This would be a huge help with food and groceries.

  306. @mcphaulstacy says:

    Would help with buying food & gifts for the holidays

  307. It would help me stay on budget

  308. It would be nice to have a line of credit to help with the endless amounts of peripheral items every digital gift seems to need.

  309. The line of credit would help take the worry away and just let me enjoy the holiday.

  310. Learned you can Use it year-round!

  311. Ava Chavez says:

    My budgeting tip is to think about making homemade gifts…people understand & gifts from the heart are def more precious.

  312. mara zamora says:

    It would definitely me buy gifts for loved ones

  313. it would help me get a few gifts this year, pay hasn’t changed, but everything has gone up! very frustrating!

  314. i learned you can get your line of credit on a convenient mastercard

  315. Emerald Advance would enable this Santa’s Elf to put together a festival of Christmas for 6 wonderful little kids :)

  316. i enter giveaways throughtout the year and save them up for christmas presents.

  317. Budgeting Tip: Research prices in advance and buy accordingly.

  318. Being a single mom of three little boys this would help with Christmas presents.

  319. it would help me save for college

  320. I learned there are 51 HR Block offices within a 30 mile radius of me.

  321. to be able to show family how much I really appreciate them

  322. It would help pay for all of the traveling around the holidays.

  323. I learned that you can pay your loan with cash, Emerald Card or checking account. You can even pay down the balance on the Emerald Advance with a portion of your tax refund.

  324. It helps to spread out the shopping throughout the year. That way you aren’t hit with all of the costs at once.

  325. David Smith says:

    It would help to pay for Christmas presents.

  326. Kellie Christensen says:

    There are always unexpected expenses!

  327. It would help with those unexpected expenses that always seem to crop up around the holidays.

  328. Cathy Shaw says:

    I discovered that The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000.

  329. Priscilla S. says:

    It would be nice to have it there waiting to be used as I needed. Christmas would be less stressful.

  330. Priscilla S. says:

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

  331. Ivana Jankovic says:

    It would help me for gifts for my family this year.

  332. Erica Barnes says:

    I learned that you can use it year round.

  333. Jennifer Vickers says:

    I learned that you can pay your balance with your tax refund

  334. Jennifer Vickers says:

    Stock away small bills or loose change. you won’t notice it missing but it will add up over the year

  335. It would help with airline tickets.

  336. It would help me with unexpected things that pop up.

  337. It would help me track my spending better. I set a loose budget, but I often end up exceeding it just because I’m not keeping close enough track.

  338. I learned that there is a $45 fee to get established with a line of credit. It might be worth it for the flexibility and peace of mind for some people, though.

  339. Start early and try to include some homemade gifts in the mix if you are at all crafty. I usually supplement purchased gifts with handmade ones. It saves money and it really personalizes your gift.

  340. This will give you access to a certain amount of credit year-round

  341. Jacob LaFountaine says:

    Load up to $1000 at a time which is more than enough for me

  342. Could really use the extra cash

  343. Sarah Hall says:

    I could use it to start my Christmas shopping and to pick up a lot of decorations.

  344. Brandi Price says:

    That would take care of Christmas.

  345. My holiday budgeting tip…. USE your bank’s Christmas fund savings plan! Then, use that money only for your holidays, don’t use any credit cards!!

  346. Victor Galbraith says:

    I could buy everything that I want.

  347. A line of credit would help me through the holidays because I would be able to buy some presents now and pay it over time.

  348. This would help buy some gifts for my kids for Christmas, which would be so helpful being I don’t really have any money to spend. Thank you!

  349. Elizabeth Owens says:

    It would help so I could buy more presents this holiday season!

  350. Money is pretty tight right now so an extra $300 would make things a little easier for shopping for my 3 kids!

  351. I could whole heartedly enjoy the holiday because I would not have to calculate so closely.

  352. Rebecca Orr says:

    It would help me purchase last minute gifts for unexpected guests and have some extra gas in the van for traveling. Thanks for the chance!

  353. Gennie Lancaster says:

    It would help with buying Christmas gifts!

  354. I set a dollar spending amount for the holidays and then try to spend 5% less even than that.

  355. I would be able to buy my daughter new clothes and shoes!

  356. This would help with all of the added expenses that come up around the holidays.

  357. It would help me pay some bills!!

  358. Ellen Anderson says:

    If I was ever really low on cash and didn’t want to use my credit card for rewards for some reason this would be helpful :)

  359. It would help put some gifts under the tree

  360. Debbie Jackson says:

    It would help with gifts this year.

  361. Debbie Jackson says:

    I learned I could get a loan and pay it back with my tax return.

  362. It would help with all the extra expenses during that time such as food, decorations, and gifts.

  363. It would really help me get all my Christmas shopping done early.

  364. I learned there is an H&R Block office very close to my house.

  365. Would not help me. I shop year round for presents.
    Thanks for the contest.

  366. Stephanie Larison says:

    It would help me from overspending, keeping a budget with gifts this year.

  367. Stephanie Larison says:

    I learned there’s H&R free apps for Android®, iPhone® and iPad®.

  368. joseph gersch says:

    it would help me with money for Christams

  369. joseph gersch says:

    i learned you can file online

  370. This advance card would help me buy my Mom’s Christmas gift.

  371. Douglas Houston says:

    I could buy the kids an Xbox One

  372. My tip is to pretty much buy on sale throughout the year accordingly when yu can find specific items on sale at lower prices.

  373. It could help me stay on track

  374. It would be a great backup for holiday expenses!

  375. Brian Kautz says:

    I could help me consolidate the bills I already have

  376. Would be great to win this time of year.

  377. Holiday time always strains the budget

  378. amy deeter says:

    buying gifts easier.

  379. It would help since we lost everything we have to rebuild and we need this so much.

  380. janna johnson says:

    It would let me nto go into much debt to buy christmas.

  381. Kathleen Marie Smith says:

    It would give me peace of mind all year around in case of emergencies and not having enough money for food, gas, etc.

  382. It would be great to buy all the furniture I want for our new house!

  383. Kathleen Marie Smith says:

    I think that preparing for the holidays all year long is a great budgeting tip, starting with after Holiday sales and either buying gifts on sale or needed items each month or putting money into savings for the Holdiay items.

  384. I wouldn’t have to worry about sales

  385. It would help if you were in a pinch and needed the money advanced

  386. molli vandehey says:

    the only tip i have is to not leave it all to the last minute, and take advantage of deals!

  387. molli vandehey says:

    i am in a legal battle i expect to win, so having a line of credit through holidatys would be awesome, as i expect things to loosen up in spring!

  388. Susan Smith says:

    It would help me pay for Christmas gifts.

  389. Dawn Sweeps says:

    WE have a large family. This would really help on some Christmas presents. :)

  390. An advance line of credit would help me during the holidays because it would ensure “santa” would come for my boys.

  391. Oh man I’m all about buying gifts on credit cards and then kicking myself when it comes to trying to pay those bills off in January. This would be a great way to stay on budget and know exactly what I have left to spend!

    coriwestphal at msn dot com

  392. Whitney Lindeman says:

    I just had money stolen out of my wallet about a week ago, so this would help me catch up!

  393. Richard Hicks says:

    It would help because we are on such a super tight budget

  394. Richard Hicks says:

    One tip is to not shop impulsively!

  395. car repair

  396. It would allow me flexibility in my holiday shopping in case I came across any great deals.

  397. Susan Smith says:

    I learned you can file online or at an H & R Block Office

  398. An extra $300 right now would help me get new tires on my car I really need!

  399. Melanie Montgomery says:

    It would help with my Christmas shopping

  400. It would help with buying gifts for family and friends.

  401. Michelle Hz says:

    It’d be a nice back up in case there are any expenses that we don’t expect.

  402. Those unexpected pop up bills as I call them.
    Norton expires–80 bucks
    Your po box expires 22 bucks
    You need to take a cab 38 miles one way—oh boy!!

  403. Prepaid cards for family members so no one overspends.

  404. It would help me actually buy some Christmas gifts when I can’t normally.

  405. Take advantage of stores’ price matching policies and use prepaid cards to avoid overspending!

  406. Karen Drake says:

    This would help with my holiday shopping, I would buy some clothing for my children and some toys for my grandkids.

  407. Pay off a credit card

  408. I’d host a big party for family and friends

  409. It would help me be able to afford more gifts. December is always a very expensive month for some reason (not just presents, but appts and everything else seem to fall during this month) so the less I have to pay up front the better.

  410. I learned you can pay back your line of credit with your tax refund if you wanted to

  411. My budgeting tip is to save as much as possible in one category so you can spend in another. For example, if I use coupons or rebates for one item then I usually can splurge on another.

  412. Melissa Moore says:

    It would help me buy presents for my family and friends

  413. An easy loan like this would help to make my Christmas more jolly.

  414. It would be great for gifts and groceries.

  415. im broke right now- so my paycheck goes to bills and not presents. i could sure use some extra money for presents right now

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

  417. It would help me buy gifts.

  418. Annemarie Z. says:

    It would help in saving money for gift purchases!

  419. Annemarie Z. says:

    I learned that: H&R Block Emerald Cash Rewards® are loaded instantly on your Emerald Card for making everyday purchases and new reward offers are sent every week.

  420. It would help make the holidays more special

  421. It would help me to buy gifts and eat a good meal at Outback.

  422. I learned you can download software

  423. Cassandra French says:

    There are so many people to buy gifts for, so it would definitely help with that!

  424. It would sure help alleviate the strain of Christmas spending!

  425. Michael W Perkins says:


  426. Cassandra Davis says:

    This would help buy Christmas gifts for my family!

  427. Julie Hawkins says:

    It would help so much because I’d use it to pay bills and buy Xmas gifts

  428. Julie Hawkins says:

    I learned you can pay down emerald advance eith your tax refund

  429. Julie Hawkins says:

    My holiday budgeting tip is to plan how much you can afford to spend and stick to it

  430. Danielle Johnson says:

    It would help to finish up the purchases for christmas knowing i will be able to pay them off in a few months.

  431. It would help me budget better and not overspend

  432. tina reynolds says:

    It would be such a relief and take the pressure off of getting things for the three kiddos

  433. Lorina Padgett says:

    I would be able to buy Christmas gifts and buy a battery and a tire for my car.

  434. It would help buy gifts for Christmas!

  435. Michelle S says:

    To stay on budget, I comparison shop and stick to a list.

  436. Michelle S says:

    From the H&R Block Emerald Advance site, I learned that if approved, you are eligible to maintain your line of credit year-round127. Be prepared when the unexpected occurs.

  437. Debra Sauvageau says:

    It would make it so easy to purchase all my gifts at once when Amazon does there quick deals lol

  438. Debra Sauvageau says:

    I learned it is a year round line of credit

  439. I learned that once approved, you can access your credit line all year round.

  440. When Christmas shopping use coupons and sales papers.

  441. Michelle S says:

    Q1: this would help tide us over until it’s refund time.

  442. Michelle S says:

    Q2: coupon during the year. Don’t splurge on items you don’t actually need/aren’t going to use 10+ times.

  443. Sarah Marshall says:

    It would help me pay bills! I am waiting on a disability hearing and they don’t get in any rush!

  444. Sarah Marshall says:

    I learned that you can easily manage your Emerald Card online! I love that! I do everything online!

  445. Sarah Marshall says:

    My holiday budgeting tip is don’t spend money you don’t have! It’s a shame that so many people go in debt and spend the whole next year paying off Christmas only to start all over again. Presents are not indicative of someone’s love for another, and it’s heartbreaking that our society has brainwashed people so much that they go to self-destructive extremes to try to prove their love by buying material things.

  446. With so many people to buy for, it would be nice to have a little extra in the budget now that I know I can afford to pay later.

  447. It would help with expenses around the holidays gifts and meal.

  448. Starla Bates says:

    This would be so awesome because it can be used year round for emergencies, and goodness knows those do happen at the worst times and so unexpectedly. Thanks for the wonderful opportunity, love your blog!


  449. Christmas is so hard at my house, money is always limited, i’m disabled and cant buy for my kids like I want to, they are really good about it and understand that mama cant buy the big gifts they want their really cook kids, this would help me with Christmas so much

  450. Thomas Murphy says:

    I learned you have the Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose.

  451. Thomas Murphy says:

    I shop the sales and use coupons to save money for the holidays.

  452. james young says:

    it would help me -myd aughter has a brain tumor

  453. A line of credit would allow me to get caught up on bills and let me stress a little bit less about Christmas for my kids. Thank you!

  454. It would help me pay for my christmas presents.

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

  456. Richard Hicks says:

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

  457. Christine M says:

    I always seem to be doing more shopping than I need to so the advance would be great!

  458. This would help me with travel expenses to visit my family a few states away, as well as some gifts for them!

  459. Extra cash is always handy when you need your car repaired.

  460. The Emerald Advance is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. Use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

  461. Alexandra Roach says:

    You should keep all of your receipts!


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