If you love Dr. Seuss you won’t want to miss this sale at Totsy.  They are celebrating Dr. Seuss with a HUGE selection of books, toys, costumes room decor and more —all with your favorite Dr. Seuss characters!  The sale only lasts three days so shop early for best selection!  New Totsy members get free shipping too!

Long gone are the days of using your home as a personal piggy bank. For years many homeowners watched as home values increased which gave them plenty of equity. This in turn led to constant refinancing whenever rates would dip down. But that trend evaporated after the huge mortgage debacle.

However, with rates still at or near all an all-time low, homeowners should once again take a look at refinancing. The question of should you refinance your mortgage is always a ‘yes’ if you fit into any of these categories.

1. Saving Money – Lowering your interest rate will lower your monthly mortgage payment as well as reduce the total amount you pay over the life of your loan. Reducing your interest rate .5% on a $250,000, 30 year fixed loan reduces the monthly payment by $76 per month and saves $27,360 over the life of the loan.

2. Changing an ARM to a Fixed Rate – For a while Adjustable Rate Mortgages (ARM) were all the rage because of the lower initial interest rate and thus lower mortgage payment. However with fixed rates being so incredibly low, it makes better sense to convert to a long term fixed rate to protect yourself from future rate spikes which then increases your monthly payment.

3. Avoid Foreclosure – People who are upside or behind on their mortgage should explore all options to refinance. The government has stepped up programs to try and help more people save their homes. Step one is to approach your lender for options such as a modification or refinance.

4. Tapping your Equity – Some homeowners are lucky enough to have equity in their homes. You can do a cash-out refinance to utilize that money for other needs such as paying off higher interest debts or other expenses such as college for your children. With the low rates available you might even have a similar payment. But you should contact a lender such as the Bank of the Internet for specific information on refinance options.

5. To Consolidate – If you still happen to have a 1st and 2nd mortgage on your property then refinancing makes a lot of sense to consolidate two payments into one. With the low interest rates currently, combining your mortgage total at one low rate can save you a lot of money. Typically most 2nd mortgages are a point or two higher than the 1st and that savings goes right into your pocket.

For most people their home is the biggest financial burden they will have to deal with. It makes sense to try and ease that burden when possible by looking at refinancing when rates are low to better your current situation. If it does not lower your overall payment over the long term or would be to obtain money for frivolous purposes then refinancing is not the best choice for you.

This post was brought to you by Bank of the Internet. See Mommies With Cents disclosure policy for more details.

You might want to print a copy of Rite Aid’s coupon policy in case you have any trouble at the register.  Learn more about the Video Values coupon program and take advantage of the extra savings! Here are the best deals this week courtesy of Consumer Queen.  Be sure to visit her site for the full match up on Saturday!

Burt’s Bees Honey Natural Throat Drops $1.99
Get $1.99 RR wyb 1
Final price: pay $1.99 – get $1.99 RR = FREE!

Baby Magic Dustless Baby Powder $6.00
$6.00 Mail-in Rebate – located in Walgreens March Cpn Booklet
Final price: pay $6.00 – submit for rebate = FREE!

Glade Expressions Air Freshener Kit 7-oz. $3.49
Get $1.50 RR wyb 1
Use $2.00/1 Glade Expressions Air Freshener Kit printable (prev. available)
OR use $1.00/1 Glade Expressions Air RP 2-19 (exp. (4-21)
Final price: pay as low as $1.49 – get $1.50 RR = FREE!

Belvita Breakfast Biscuits $2.99
Get $1.99 RR wyb 1
Use $1.00/1 any Belvita Item SS 2-26 (may be regional)
Final price: pay $1.99 – get $1.99 RR = FREE!

Natrol Melatonin 100-ct. $4.00 – get $4.00 RR = FREE

EternalBlu Anti-Aging Support 60-ct. $10.00 – get $10 RR = FREE

Renew Life Ultimate Flora Daily Care Probiotic 30-ct. $10.00 – get $10 RR = FREE

OnTheGo Multi-vitamin Orange Rush Drink Mix – 30-ct. $8.00 – get $8 RR = FREE

Super Poligrip Free Denture Adesive Cream .75-oz. $1.99 – get $1.99 RR = FREE

W 5 Blade Men’s Razor System $3.99
Get $3.00 RR wyb 1
Final price: pay $3.99 – get $3 RR = $.99

Nivea Lip Care $2.99
Get $2.00 RR wyb 1
Final price: pay $2.99 – get $2.00 RR = $.99

Pantene Hair Care 2/$8.00
Get $3.00 RR wyb 2
Use $3.00/2 Pantene Hair Care SS 2-26-12
Final price: pay $5.00 – get $3.00 RR = 2/$2.00 ($1 ea.)

Right now at Saveology pay only $10 For A $15 iTunes Gift Card!  This offer is good for first time Saveology buyers only!

Are your walls a little bare?  This could the deal for you!  Check out these awesome offers from Canvas People:

• Free 8×10 Photo Canvas (Just Pay Shipping) or $35 Off Larger Sizes
  
• 11×14 Photo Canvas For $27 SHIPPED 
  
• 16×20 Photo Canvas For $37 SHIPPED 

You might want to print a copy of Walgreens coupon policy in case you have any trouble at the register.  If you are new to couponing at Walgreens you might want to check out Walgreens for Beginners. The following are the best deals next week courtesy of Consumer Queen.  Be sure to visit her site on Saturday for the full Walgreens match up!

Burt’s Bees Honey Natural Throat Drops $1.99
Get $1.99 RR wyb 1
Final price: pay $1.99 – get $1.99 RR = FREE!

Baby Magic Dustless Baby Powder $6.00
$6.00 Mail-in Rebate – located in Walgreens March Cpn Booklet
Final price: pay $6.00 – submit for rebate = FREE!

Glade Expressions Air Freshener Kit 7-oz. $3.49
Get $1.50 RR wyb 1
Use $2.00/1 Glade Expressions Air Freshener Kit printable (prev. available)
OR use $1.00/1 Glade Expressions Air RP 2-19 (exp. (4-21)
Final price: pay as low as $1.49 – get $1.50 RR = FREE!

Belvita Breakfast Biscuits $2.99
Get $1.99 RR wyb 1
Use $1.00/1 any Belvita Item SS 2-26 (may be regional)
Final price: pay $1.99 – get $1.99 RR = FREE!

Natrol Melatonin 100-ct. $4.00 – get $4.00 RR = FREE

EternalBlu Anti-Aging Support 60-ct. $10.00 – get $10 RR = FREE

Renew Life Ultimate Flora Daily Care Probiotic 30-ct. $10.00 – get $10 RR = FREE

OnTheGo Multi-vitamin Orange Rush Drink Mix – 30-ct. $8.00 – get $8 RR = FREE

Super Poligrip Free Denture Adesive Cream .75-oz. $1.99 – get $1.99 RR = FREE

W 5 Blade Men’s Razor System $3.99
Get $3.00 RR wyb 1
Final price: pay $3.99 – get $3 RR = $.99

Nivea Lip Care $2.99
Get $2.00 RR wyb 1
Final price: pay $2.99 – get $2.00 RR = $.99

Pantene Hair Care 2/$8.00
Get $3.00 RR wyb 2
Use $3.00/2 Pantene Hair Care SS 2-26-12
Final price: pay $5.00 – get $3.00 RR = 2/$2.00 ($1 ea.)

As part of Juice in the City’s mission to “Save Local”, this deal was sourced by local moms working as a Local Business Consultants.  You can trust that the deals offered on Juice in the City are thoughtfully selected with you in mind. There are a lot of really great deals lined up that you aren’t going to want to miss.  Make sure you are getting all of the info on these hot offers by subscribing to Juice in the City (click on “other city” to select a city near you), following Juice in The City on Twitter and by becoming a fan of Juice in the City on Facebook.  Here are today’s new deals:

Atlanta: Atlanta: Buckhead/Midtown
$20 for a Small Pet Grooming Session at Pawpurri Pet Salon 

Charlotte: South Charlotte
$15 for $30 Worth of Food & Non-Alcoholic Beverages at Five Steps II 

Dallas – Fort Worth: Collin County
$39 for 1 Month of Boot Camp at CrossFit McKinney

Denver: South Denver
50% Off a 3 Hour Photography Class for All Levels

Houston: Northwest Houston
50% Off 1-Hour Professional Home Decorating Consultation

Los Angeles: Pasadena
$24 for 2 Full Service Oil Changes at Our King Auto Repair

Los Angeles: South Bay
$49 Massage & Facial Package from Finely Kneaded Day Spa

Los Angeles: Westside
$60 for $160 Worth of Non-Toxic Carpet Cleaning From Naturally Green

National: Everywhere
$15 for Two Esso Silicone Ion Sports Watches

New York: Brooklyn
$10 for $20 Worth of Natural Herbs & Botanical Products at The Herb Shoppe

San Antonio: San Antonio
$7 for $14 Towards Lunch at Rome’s Pizza

San Diego: North County Inland
$40 for a 1-Hour Massage of Your Choice Plus Bonus $40 Gift Card from Magic Hands by Simon 

San Francisco: North Peninsula
$30 for $60 Towards Catering from Fletch’s 

Today is Mega Swagbucks Day! I am effortlessly earning Amazon gift cards with mySwagbucks. On Fridays, my earning potential increases and so does yours. Here’s how to get started:

Increase your chances of winning Mega Swagbucks denominations (100, 200, 500, 1000) on Mega Swagbucks Day! Swagbucks guarantees over 10K Swagbucks will be awarded in MEGA bills EVERY Friday!

You can also earn free swagbucks daily by following these simple steps:

1. Visit www.swagbucks.com
2. Click on “Ways to Earn” then “Special Offers” from the navigation tabs at the top of the page
3. Click on “Go Now” in the blue box on the right hand side of the page
4. Go through the offers and complete the ones you like or skip any/all of them
5. Claim your free swagbucks! You will be rewarded free swagbucks just for viewing these offers. It takes less than a minute and you can do it daily!

Freebies 4 Mom offers these tips to increase your earning potential every day:

1. Use the Toolbar, Use It Frequently

Having a Swagbucks toolbar is the easiest way to remember to use Swagbucks for your day to day searches because it’s right where you need it- at the top of your web browser. Just visit the “toolbars tab” to download a toolbar or plugin.

2. Search for Your Website, Don’t Browse
Instead of typing in “Amazon.com” into your web browser, use the Swagbucks Toolbar and search for “Amazon”. So just leave off the “.com” part. Pay attention to make sure you are headed to the right website (the full url is displayed below the search result in green text) and you can look for “Official Site” text by the name of the site. But don’t search repeatedly for the same term – that would violate the official rules (thanks for leaving a comment, Kaymore).

3. Pay Attention When You Win (Word Verify Your Wins)
If you “search & win” but don’t complete the word verification in time then you lose thoseSwagbucks. On a random basis you will be asked to type in a verification code to claim your swagbucks so make sure you do it right away.

4. Win When Your Friends Win
Referrals are the key to earning more Swagbucks so tell your friends! You’ll earn swagbucks when they do and you’ll see your earnings increase a lot more rapidly.

Have you joined Swagbucks yet? If not, what are you waiting for?! I have cashed inSwagbucks in exchange for FREE Amazon gift cards that took no effort to earn. At swagbucks you are rewarded just for searching the web. I use swagbucks for my daily internet searches in place of Google. Swagbucks has similar search results- the only difference is that Swagbucks rewards you for your searches. You can trade your Swagbucksin for other prizes as well but I prefer Amazon gift cards because it gives me the biggest bang for my swagbuck! It only takes 450 swagbucks to earn a $5 Amazon gift card. Be sure to check them out if you haven’t already!

Don’t forget to take advantage of CVS’s Green Bag Tag program to earn extra money using reusable shopping bags.  If you are new to couponing at CVS you might want to check out CVS for Beginners. View CVS’s coupon policy and print a copy to take with you in case you run into any problems.  Here are the best deals this week courtesy of Consumer Queen.  Be sure to visit her site for the full match up on Saturday!

Colgate Sensitive Pro-Relief $4.99
Get $4.00 ECB wyb 1 – limit 2
Use .75/1 any Colgate Sensitive, Optic White, or Total Advanced SS 2-12 (exp. 3-3)
OR use $.75/1 any Colgate 4.0-oz. or larger SS 2-26 (exp. 3-17)
AND use $1.00/1 any Colgate Sensitive Pro-Relief - CVS Reinventing Beauty Magazine (exp 3-31)
Final price: pay: $3.24 – get $4.00 ECB = FREE + $.76 money maker!

UP2U 14-ct. Single Packs $.99
Use $1.00/1 any UP2U Singles SS 2-5 (exp. 3-31) or SS 1-1 (exp. 3-1)
Final price: FREE!

Mentos 15-ct Gum $1.00
Use $.55/1 any Mentos 15-ct. SS 2-5 (exp. 3-31) or SS 1-1 (exp. 3-1)
Final price: $.45!

Colgate Total 5.8 – 6-oz., Sensitive  6-oz., Optic White 4-oz., Sensitive Pro-Relief 2.7-oz. or 360 Toothbrush $2.74
Get $1.00 ECB wyb 1
Use $.75/1 Sensitive, Optic White Toothpaste SS 2-12 (exp. 3-3)
OR use $.75/1 any Colgate Toothpaste 4.0-oz. or larger SS 2-26 (exp. 3-17)
Final price: pay $1.99 – get $1.00 ECB = $.99

Buy Sensitive Pro-Relief 2.7-oz. $2.74
Use $1.00/1 any Sensitive Pro-Relief – CVS Reinventing Beauty Mag. (exp. 3-31)
Final price: pay $1.74 – get $1.00 = $.74!

Earphones are nice for working out or doing things on your own.  I love the way they block the rest of the world out.  That being said, there are times when I’d like to listen to music without blocking out everything around me.  That’s when the chicBuds chicBoom Keychain Speaker comes in handy.  It’s small but packs a punch.  My kids love having “dance parties”and this little speaker allows them to bust a move wherever we are. My daughter loves the stylish leopard print with hot pink and rhinestone heart design.  This tiny  2 watt amplified speaker with attached keychain uses a built-in lithium-ion rechargeable battery which powers it up to four hours on a single charge! To recharge the battery, simply plug it into your computer. You can attach it to any device with a standard 3.5mm stereo jack (iphone, mp3 player, portable DVD player etc) to amplify it’s sound.  An attached key ring allows you to clip it to your keys or backpack  so you don’t lose it.

These adorable little speakers make a great gift for a teen or pre-teen girl.  They come in a few different designs and retail for around $30.  Find more information at www.chicbuds.com.

Feeling lucky?  Enter to win a chicBoom speaker by filling out the form below.  Also, be sure to check out all of our other giveaways. NOTE: if you are having trouble with the mandatory entry on the form below, click “I did this” first. Then the form will pop up to enter your info. If you don’t leave your address, I won’t have a way to get your prize to you. If you need more guidance, you can watch this video on how to enter Rafflecopter giveaways.

This giveaway is open until March 2, 2012 at 12:01 am CST to U.S residents.

Your information is confidential and used for contacting the winner and prize fulfillment purposes only.

A complimentary product/service was provided for this review, however, all opinions expressed are my own.  I was not compensated in any other way.  See Mommies With Cents disclosure policy for more details.

a Rafflecopter giveaway