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8 Stores to Shop for Easy Labor Day Savings

By U.S. News & World Report

Whether you’re looking to start your holiday shopping early or score some great deals while celebrating the (un)official end of summer, the Labor Day Sales are worth shopping. Below are some of the best sales to check out — just make sure you don’t go too crazy!

6PM.com

If you’re looking to score designer brands for less, then you definitely should check out 6PM.com. Shop for women’s, men’s and children’s clothing, shoes and accessories. You’ll find the latest in bags, jewelry and beauty products, and all at great prices. Plus, there’s a great selection of sporting goods and watches. Brands include Michael KORS, Coach, Lacoste, Oakley, The North Face, Cole Haan and Zac Posen. A great perk is that all orders always ship for free. Through Labor Day you can update your fall wardrobe by using online coupon codes for up to 65 percent off contemporary boots or up to 60 percent off hoodies and sweatshirts under $25.

Best Buy

To get the best deal on a major appliance upgrade, make sure to check out the Best Buy Labor Day Major Appliance Sale. You’ll not only get as much as 30 percent off appliances like refrigerators, washers and dryers and dishwashers, but you’ll also get free delivery. The generous discount is great, but the free delivery includes a lot of services that deserve a closer look. Best Buy’s delivery professionals will place the appliance where it belongs, connect electrical outlets or existing water lines, level it as required by the manufacturer, install safety hardware and even recycle your old appliance … all for free. The sale ends Sept. 12, so don’t waste too much time thinking about this deal (it’s definitely a good one)!

Macy’s

The Macy’s Labor Day Sale historically has featured as much as 20 percent off any order. Current sales extended through Labor Day include 20 percent off select lingerie, children’s apparel and uniforms for as little as $19.99 or less, and 30 to 50 percent off select shoes. An extra tip: When you spend at least $99 online, your order ships for free.

Omaha Steaks

It may seem odd to shop for food online, but through Sept. 8, get up to 65 percent off Labor Day combos, plus four free burgers and free shipping at Omaha Steaks. Some tasty picks include the Labor Day Celebration Pack for $56.99 (four tops sirloins, four Omaha Steaks burgers, four gourmet jumbo franks and four caramel apple tartlets) and the American Grill Combo for $107.99 (four filet mignons, four boneless chicken breasts, four Omaha Steaks burgers, four boneless pork chops, two stuffed sole with scallops and crabmeat, eight gourmet jumbo franks and 10 potatoes au gratin). This also is a good way to prepare for holiday guests — you’ll have a high-quality, tasty meal on hand at a moment’s notice!

Overstock

Somehow Overstock always seems to make the list of best holiday sales, and it’s really no wonder. Shop the Overstock Labor Day 2015 sale for up to 70 percent off items on your list. You’ll find up to 50 percent off, plus an extra 10 percent off select living room furniture; up to 75 percent plus an extra 15 percent off certain area rugs; and as much as 75 percent plus an extra 10 percent off select garden and patio merchandise. In other words, if you’re looking to purchase furniture, Overstock is likely to have a great sale on what you need.

Sears

Labor Day is supposed to be a day of rest, so what better way to celebrate than buying a nice, comfy mattress? Sears’ Labor Day Sale features up to 60 percent off all mattresses and sets. Plus, use an online coupon and save an extra 10 percent, plus get free delivery when your order is $599 or more. You’ll find great sale prices on other items as well, including as much as 25 percent off Dysons or 35 percent off Kenmore appliances. The sale ends Sept. 13.

Travelocity

Because of shoulder season and great deals on holiday travel, September is a great month to book discounted travel. Travelocity has an especially good offer for $40 off select hotel stays over $275, and the deal expires Sept. 30. Or, get $150 off flight and hotel bookings over $1,750. Just look online for the coupon codes to maximize your savings.

World Market

Spruce up your home’s interior for less with deals at World Market. Place an order by Sept. 21 to get as much as 50 percent off fall dining furniture and décor, as well as pendants and chandeliers. Through Sept. 22, get up to 25 percent off all open-stock wine glasses. Save even more on your purchase with online coupon codes for 10 percent off any order and free shipping on orders over $150.

Here’s to you finding a great deal on the items you need, or even just want! Happy Labor Day!

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8 Stores to Shop for Easy Labor Day Savings originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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