Gift cards are a popular gift choice. You may have received some during the recent holiday season.

They’re convenient for the giver, since you don’t have to worry about getting the perfect gift, and they’re convenient for the receiver, because they get to shop at their leisure and pick out something out they really want.

It’s especially nice to receive a restaurant gift card because you can use it for a fun social night, or date night. These gifts cards are always a favorite, because who doesn’t like to take a night off from cooking for themselves?

Restaurants are well aware of this, and have come up with a way to sweeten the pot just a little more, in hopes of getting people through the door. Many restaurants now offer a bonus gift card when you buy one as a gift.

If you want to save money on going to restaurants by using gift cards, here’s how it works.

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Quitting your job is a decision that shouldn’t be taken lightly. It’s a big risk to leave the certainty of a consistent paycheck, for the uncertainty of the unknown. But quitting  your job to start a business, stay at home with the kids, or salvage your health can be such a rewarding experience.

I know just how scary and rewarding quitting can be. I quit my job last July to be a full-time freelance writer, and it felt absolutely crazy at the time. I have gone through all the ups and downs — paralyzing fear and insecurity, jam packed months, losing clients, and more.

It’s a roller coaster for sure. But there are ways to lessen the financial risk of quitting your job, by making swift and calculated actions for your future.

Here are 5 financial moves to make before taking the leap.

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In today’s career world, where negative publicity can cause serious problems for companies, it’s difficult to get excited about hiring someone who might turn out to be a liability.

Teachers whose drunken party pictures end up on Facebook, and top level executives involved in nasty divorces, can really set an employer (and their reputation) back.

Not only that, but there are some jobs, like truck driving, in which your driving record might be applicable. No trucking company wants to hire someone with a string of DUI arrests.

So, when you apply for a job, what will employer’s look for in background checks? Are there limitations to what information they can see?

As with almost everything in else in life, the answer depends on where you are, and what job you’re applying for.

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Most of us want to save money so we can build wealth and plan for the future. We have goals we want to reach (like traveling) or things we want to buy (like a dream home). However, this can seem impossible when you’re surviving on low income.

According to CNN, 25 million American households are living paycheck to paycheck. When money is tight, saving any amount can be the last priority on your list. You’re just trying to get by.

So how do you save more money when you’re making minimum wage? How can you reach your financial goals on a low income?

When it comes to finances, it’s important not only think about the now but also the future. Even if you’re earning a minimum wage, you can still save little by little. Here’s how:

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I love Christmas, but I’ll admit that I breathed a small sigh of relief when all of the holiday stuff got put away until next year.

So it’s strange to admit that I’ve already started doing my Christmas shopping for 2015. In fact, I get most of my Christmas shopping done 11 months in advance every year. Why exactly? Well for several reasons, but mostly because planning ahead saves time and money. It’s as simple as that!

Here are a few of my tips for those who want to get their shopping done really early and save.

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I read an article recently that centered around statistics that indicate Millennials (the generation born between roughly 1980 and 2000) are waiting longer to have children.

One of the main reasons they give for waiting is their financial situation. Or more specifically, how much debt they’re in or how much money they want to save.

More than any previous generation, Millennials are ladened with thousands of dollars in student loan debt and less initial wealth when they become independent.

The plan to wait at least a few years after graduating college to pay off loans, and settle into a career before having children. makes sense financially. But does it really make a difference?

Before making the decision to wait to have kids until you can afford them, make sure you understand the entire situation. Here are a few pros and cons.

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