H&R Block’s Emerald Advance Credit Line ($300 Gift Card Giveaway ends 11/30/12)

Christmas is just a little more than a month away and my husband and I are scrambling for things to get our kids. We’re usually DONE holiday shopping by now. This year we haven’t even started yet. Unfortunately it’s been one bad thing after another that has caused us not to do any holiday shopping. First there was the unexpected $743 vet bill. I was expecting the bill would be around $200. Never did I anticipate $743!

As if the vet bill wasn’t enough my 17 year old car needed $1,932.00+ of work done on it. It was like slapping a VERY expensive band aid on my car. It’s 17 years old. There is no telling what will go wrong with it next. Sadly we cannot afford a new (used) car right now so we had no choice but to get it fixed.

With all of these unexpected expenses, funding Christmas is not that easy this year. Having teenagers isn’t cheap either. Gone are the days of $9.99 toys. They’ve been replaced with things like NorthFace Denali jackets (at $180 each!) and $150 pair of Ugg boots. Sigh…

In years past I’ve been a lot better when it came to holiday shopping. I would pick up things here and there all year long so when the holiday rolled around we were pretty much done. Certain things I would hold off until closer to the holiday, but the little things I’d knock off my list as soon as possible.

Shopping year round is great because you can take advantage of sales, discounts and clearance sections and save money too. For example, I know exactly what kind of clothing my daughter likes to wear. During the course of the year if I saw something I knew she’d like I’d pick it up and hide it away. My daughter is not a fan of long sleeve shirts. She likes “flowing” blouses. It’s easier to find them during the warmer months so I would take advantage of sales and clearance racks as soon as the Winter clothing makes it’s appearance on the store shelves. This year I didn’t do that and I’m paying the price for it now because I’ll have to pay full price for the blouses, or I might not be able to find the kind she likes because they are more for the warmer weather.

Putting $$$ aside for the holiday season is a MUST. Every year we put aside some of our income tax return specifically for the holiday season. We earmark a specific amount from our return that can ONLY be used for the holiday. It also helps us to stick to a budget because we know if we only have $500 saved up we can only spend $200 per child and the remaining $100 is for Christmas Eve dinner and other miscellaneous stuff. When you don’t have a budget it’s very easy to spend way more then you can afford.

DON’T USE CREDIT CARDS! You can very easily go into debt if you go on marathon shopping sprees and charge everything in sight. How many people do you know (perhaps even yourself?) who have built up huge debt from charging all of their holiday gifts? Sure, it might be nice to give Aunt Franny that $100 sweater, but will you still as happy about it in April when you are STILL paying it off – with interest?

Don’t dread the end of the holiday season with massive credit card debt. Instead pay with CASH or DEBIT CARD ONLY. That way when the holidays are over so is paying for them. You won’t have to stress over paying off all that debt MONTHS after the Christmas tree is taken down and granny’s famous eggnog is only a faded memory.

Even if you save money, make a budget (and stick to it) and purchase gifts year round there does come those times in life where you just need extra money. I can give you some great examples – The day after I picked up my car at the mechanic ($1,932) we had to call in the appliance repair man to fix a leak coming from the fridge ($152.20). Tomorrow my cat has to go back to the vet and I know it’s going to cost at least $220 plus the cost of medication. Between my car and the previous vet bill, and not the appliance repairman and the second vet visit we have a big fat ZERO when it comes to holiday shopping. I did have some gift cards but I used them to buy clothing and toys for those in need (I’ll post about that shortly). My kids are just going to have to understand they will only get 1-2 times this year and that sometimes “life” doesn’t work out as well as you hoped it would.

I wish there was a day to get our income tax return back NOW. We could sure use it. Even just a portion of it. It’s nice to have some extra cash for the holiday.

H&R Block understands that sometimes a little extra cash can make a big difference. That is why they offer the H&R Block’s Emerald Advance Credit Line.

Starting TODAY (November 19, 2012) you can apply to get up to $1,000 in cash, just in time for the holidays. You DON’T need to be an H&R Block client to apply.

Applying is simple. All you need is a valid photo ID and your most recent pay stub. You don’t even have to fill out a W2 form.

If you would like to learn more about the application process, or to find a location near you, visit this page, http://bit.ly/QjbxJdΒ (I shortened the link). You can even start the application process over the phone.

Right now $1,000 would come in VERY handy. It would certainly help to rescue Christmas for my family. It would be nice to get the kids a few things this year.

If you would like to learn more about H&R Block you can visit their main website at www.HRBlock.com.

H&R Block would love to make YOUR holidays a bit merrier with a $300 gift card. Thank you H&R Block!

This giveaway is open to US residents only and will end on November 30, 2012 at 12:01 AM (EST). The winner will be chosen at random using a random number generator from all eligible entries. The winner will be notified via e-mail and will have three days to reply or a new winner will be chosen.

To enter please comment on this post and tell me what you would do with a cash advance?

For extra entries you can use the Rafflecopter widget (below) but you MUST complete the initial entry requirement or the additional entries won’t qualify (I do check).

a Rafflecopter giveaway


*I was not compensated for this post. I posted this for the enjoyment of my site readers. Any opinions expressed are my own and are not influenced in any way.Β 

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About Kimberly

Kimberly Vetrano resides in the suburbs of New York City with her family and "mini zoo" consisting of five cats, a dog and a Goldfish. Kimberly is a teacher's assistant for a Kindergarten class. When she is not working or blogging, Kimberly enjoys taking photos of nature and hanging out with family and friends.


  1. I would use it for Christmas shopping for our four kids. This is always the worst time of year because not only do we have a huge family to Christmas shop for, but our property taxes are due as well. We always know but somehow can never manage to plan ahead and save for all the extra expenses.

  2. I would spend a Cash advance on next semester’s tuition.

  3. Elisabeth Wellington says:

    i would use some for christmas presents and pay some bills with the rest.

  4. Pay some bills off and maybe rent a cabin for a weekend family mini vacation πŸ™‚

  5. help my son out with some gifts for the grandkids

  6. Marilyn Wons says:

    I would buy groceries

  7. save it for a rainy day

  8. Rachel Buntyn says:

    I would buy my children’s Christmas presents and groceries. Thank you for the chance to win such an amazing gift, it will definitely make a difference in someone’s life.

  9. put it in our savings account!

  10. I would buy toys and clothing

  11. hopefully, fix the car…

  12. I would use ia little for Christmas & the rest to pay off some bills!

  13. I would use it to finish paying for the vacation I’ve been saving up for.

  14. I’d pay some of my doctor, hospital and plumbing repair bills

  15. Colleen at Forty Something Bride says:

    I would tuck it away for my husband’s birthday.

  16. i would pay off medical bills

  17. buy groceries.

  18. Lisa Brown says:

    I would buy gifts

  19. Lisa Brown says:

    RSS with Netvibes reader via email: jslbrown2009 at aol dot com

  20. It would go for groceries, bills and prescription meds.

  21. Margaret Smith says:

    Instead of using my credit cards to shop for Christmas, I’d use the cash advance.

  22. Jaclyn Reynolds says:

    I would buy Christmas presents for my kids!

  23. Pay the monthly mortgage early instead of late and then holiday presents for my little girl and hubby.

  24. I’d use it for holiday shopping and meals preparation.

  25. Mary Casper says:

    I would pay bills

  26. Mommyofone Shanna says:

    Christmas shopping for my children

  27. Amanda Sakovitz says:

    I would use it to pay off my cell phone bill

  28. Angie "Gigi" Segura says:

    This would so help out:)

  29. I would use it to make a good holiday dinner for my family and christmas presents for my neices and nephews who otherwise wont get anything for christmas this year.

  30. It would help my christmas shopping and make the holidays a little brighter

  31. use this for christmas shopping

  32. I would pay off some student debt

  33. I would pay the bills

  34. I would pay off a couple of bills.

  35. debbie jackson says:

    put it on medical bills

  36. Thomas Murphy says:

    I would buy x-mas presents

  37. I would buy new clothes.

  38. tricia dunkle says:

    I would use it for christmas shopping

  39. cash advance? what kind of gift card, visa amex or for only good at HR block? anyways i’d get gifts gas and groceries

  40. Jacob LaFountaine says:

    Put it towards a new HDTV

  41. I’d use it toward Christmas gifts.

  42. diana shenderovich says:

    buy a present for my son birthday

  43. Amanda Morrison says:

    I would use it so I could save money during the holidays to save up for a car πŸ™‚

  44. pay some bills

  45. I’d take my son to the dentist.

  46. Ann Fantom says:

    I would put the advance towards my credit card bill

  47. Car seat, stroller, crib, and other baby stuff!!!!

  48. I would finish paying the medical bills I received today.

  49. i’d use it towards the 6 trees we’re having to cut down thanks to the 3 storms that have hit CT in the past 15 months, most recently, sandy. we have to cut them before they hit the house but its a lot right before christmas!

  50. save it for later

  51. I would pay my bills, stash some in savings and make a gorgeous christmas dinner for my family

  52. Kellie Rose Wilson says:

    I would put it toward my bills!

  53. Kelly Ann T. says:

    I would get the old car fixed

  54. It would get my holiday shopping done!

  55. Jessica Cote says:

    Pay on my bills!

  56. April Brenay says:

    I would buy my hubby a new pair of work boots and running shoes

  57. I’d use it towards books for the next semester. Thanks for the chance πŸ™‚

  58. I’m getting married in July 2013 so a cash advance can help pay for our wedding expenses.

  59. Stephanie V. says:

    probably christmas gifts but should be used toward groceries or bills

  60. John Hutchens says:

    spend it on new tires or at least pay part of the cost with it

  61. I would use it to buy holiday gifts.
    Rafflecopter: Heidi TextbookMommy

  62. I’d use it towards paying for my root canal! (SO fun!)

  63. I would like to pay off some bills.
    Thanks for the chance!

  64. sandy weinstein says:

    pay my atty…..

  65. I would use it to help pay off a dental bill

  66. harold craig says:

    extra cash doing the season would help out alot to make it more merrry

  67. I’d invest it since I never have that much money available at once!

  68. I would use it to buy gifts and pay off bills!

  69. I’d use it for Christmas gifts, and groceries for holiday meals.

  70. Vickie Couturier says:

    buy some clothes for the grandkids an stock up on supplies an put gas in the car

  71. sheila musselman askins says:

    i would pay bills! yeah not to exciting but has to be done lol

  72. Kim Henrichs says:

    I would buy a plane ticket I’m desperately trying to afford!

  73. Jennifer Rote says:

    I would pay a bill.

  74. I’d use it toward a laptop.

  75. I would have repairs done to my oldest daughter’s car.

  76. Buy some new clothes for my children.

  77. Pay off some bills.

  78. i would pay down my mountain of dr bills..

  79. I would put it towards a bedroom set.

  80. I’d pay some bills

  81. Debra Hall says:

    buy some last minute gifts

  82. I’d do some Christmas shopping.

  83. Jennifer Boehme says:

    I would buy groceries, my medicine, and pay bills.

  84. Olivia Rubin says:

    Pay my medical bills

  85. I would ‘pay it forward’ to my mom, she’s amazing! She’s done so much for me i could never repay her, but i know money is real tight for her now and although I go month to month i get by. I can tell how stressed she is about Xmas already, not that any of us need alot of presents, she loves Xmas and likes to make it special. I feel awful when I see her pass up a cute $3 ornament in Target that I know she wishes she could add to her collection. It would be such wonderful feeling to surprise her with this. Thank you & H & R.

  86. Because I am out of work on medical disability and my husband is unemployed at the moment, I would definitely use it for Christmas gifts for my son who just joined the Army!

  87. buy groceries

  88. I would pay some bills and use the rest to get some new clothes!

  89. Wendy McBride says:

    I would buy groceries, and a pair of New Balance shoes.
    wendym at cableone dot net

  90. Ashley Tucker says:

    I’d use it for groceries and clothes

  91. I would love to buy my own computer, thank you.

  92. I would use it for college expenses for my son.

  93. Books and supplies for next semester.

  94. I would use it towards my Christmas shopping. Thanks for the chance.

  95. I would pay off my student loans.

  96. Use it for bills or food

  97. I would use it for groceries and gas!

  98. buy christmas gifts

    kport207 at gmail dot com

  99. Buy Christmas presents

  100. i would buy some holiday gifts

  101. courtney hennagir says:

    i would catch up on our medical bills

  102. I would use it for home repairs.

  103. Tara Liebing says:

    I would use it towards bills and groceries

  104. april yedinak says:

    I would buy my daughter a tablet

  105. I’d pay off some debt

  106. Steve Stone says:

    pay off bills

  107. I would use half toward birthday presents for my niece, sister,and best friend whose birthdays are all in January and use the other half to pay off bills.

  108. replace my ancient dishwasher

  109. Patrick Kelley says:

    Oh, it would go right to Christmas shopping, since I don’t have any money for that currently and don’t want to increase my credit card debt.

  110. ELIZABETH C. says:


  111. Colleen Boudreau says:

    I’d use it for Christmas shopping.

  112. Sarah Hirsch says:

    i would take a vacation

  113. Jessica To says:

    I would buy Christmas presents and groceries.

  114. use it for food

  115. Ashley Hatten says:

    buy my kids clothes and shoes! thank you!

  116. kyl neusch says:

    pay soem bills

  117. I would use it toward my medical bills.

  118. Sonya Morris says:

    I would get all of my Christmas shopping done.

  119. Tabathia B says:

    I would spend on winter clothing for my daughters

  120. Christmas shopping!!

  121. I would use this for groceries for my family.

  122. I would use it towards books for next semester!

  123. Nataly Carbonell says:

    I’d use it for traveling! We so need it right now πŸ™‚

  124. Julie Cutshaw says:

    I would use some for Christmas Gift giving & use the rest to go on an over night get away to gatlinburg TN with my wonderful hubby of 35 blessed years and enjoy the holiday lights they display , thanks for such a generous sponsored H&R block giveaway She Scribes πŸ™‚ Happy Thanksgiving

  125. I would get some dental work done. Finally.

  126. I would pay off some bills with a cash advance- thanks!

  127. Mary Beth Elderton says:

    I would save it for my trip to Texas to see my family

  128. I would pay off vet bills.

  129. I would use it to buy Christmas gifts

  130. Mary Calabrese says:

    I’d put it towards a new TV.

  131. Patricia Wojnar Crowley says:

    I would get some new work clothes!

  132. It would go towards getting an iPad for my son

  133. Andrea Williams says:

    Pay off some debt.

  134. Stock up on pet products.

  135. I would pay off bills

  136. email subscriber as 2dogs5catscrew@att.net

  137. amy pugmire says:

    get my kids some winter clothes

  138. i would put it towards my student loan

  139. i would buy tons of xmas presents!

  140. Buy some Christmas gifts for the family!

  141. Lisa Davis says:

    I would use it for Christmas gifts.

  142. I’d buy groceries.

  143. Amanda Starr says:

    If I won would use for Christmas presents and doctor visits.

  144. Wanda McHenry says:

    I’d save it to spend on stuff for my new house, when we ever get it!

  145. Thanks for the chance!

  146. Seyma Shabbir says:

    Winter clothes for kids!

  147. I would buy Christmas presents for my family, Lego sets, Coats & PJs

  148. Monique Rizzo says:

    Id love to go on a lil shopping spree.
    Thanks for the chance.

  149. i would use it for christmas presents

  150. I’d buy christmas presents, and a new winter wardrobe

  151. I would buy some new toys for my dog!

  152. It would go towards wedding expenses

  153. Jason Crooks says:

    I would use it for our family trip to Orlando

  154. I’d buy the food for our family gathering in Alabama

  155. thanks for the giveaway πŸ™‚ this would go towards christmas presents

  156. Christmas gifts for our granddaughter.

  157. I would get a great gift for my mom and put the rest in savings πŸ™‚

  158. Shannon Morris says:

    Christmas shopping

  159. I would put some towards Christmas presents and maybe go out to a nice dinner.

  160. buy some groceries, need them now.

  161. Pinky Sade says:

    I’d use it to pay my bills! Thanks!

  162. I would use it for Christmas shopping

  163. Stephanie Larison says:

    I would buy groceries with it, and get gas also.

  164. I would buy pay for a plane ticket to visit my son, daughter-in-law, and grandbaby in California πŸ˜‰

  165. I would buy some new clothes to help the economy πŸ˜‰

  166. Jennifer Marie says:

    I would buy winter clothes.

  167. Juan Sanchez says:

    Gotta save money for the bills aswell!

  168. buy a few things for the coming baby

  169. Audra Weathers says:

    I would put it towards Christmas presents.

  170. Allison Downes says:

    I would use it for Christmas

    Thanks for the great giveaway!

  171. Becky Richied says:

    Winter bills are enormous, so it’s a no brainer for me where this money would go.


  172. I would be able to afford Christmas presents.

  173. I’d use it for groceries.

  174. holiday shopping

  175. I’d pay the bills

  176. I’d pay bills.

  177. Michelle S. says:

    I would use it for Christmas shopping!

  178. Buy some gifts

  179. jessica edwards says:

    pay bills

  180. Pay off the last of a past bill we have from when my husband was out of work for a year and a half due to an accident. After that is paid off we are finally all caught up with everything we got behind on. With what is left, I would take us out for a dinner, something we have not been able to do since his accident.

  181. I would use it for bills and Christmas presents.

  182. I’d buy an iPad

  183. Sarah Hall says:

    I would spend it on Christmas gifts for my family and friends.

  184. rebecca williams says:

    I would buy groceries and get a filling filled

  185. David Holder says:

    I would remodel the master bathroom.

  186. David Holder says:

    I would remodel the bathroom.

  187. I would go ahead and get some of the gifts I want to get for my girls. I’m scared some of them are going to sale out before I am able to buy them. Thank you!

  188. I’d finish my Christmas shopping!

  189. Get me and my husband some clothes

  190. Gricelda Castro says:

    Purchase christmas gifts

  191. Kathy Artis says:

    computer or laptop

  192. Priscilla Benavides says:

    I would buy Christmas gifts or stuff for my baby who is due in April!

  193. sara m ford says:

    It would be used for my kids Christmas gifts

  194. I’d get more christmas presents

  195. Michelle H. says:

    Sign up for a class in making stained glass (something I’ve always wanted to try)

  196. Debra L.Guillen says:

    I would make this Christmas especially nice with a cash advance

  197. I’d buy Christmas gifts.

  198. I would use it to pay for my tax prep at Hr Block for all my family .the rest would go towards bills

  199. I would buy Christmas gifts for my grandchildren and gas for my car.

  200. Id buy a new laptop

  201. CΓ‘laeb Temple says:

    half for christmas and half to save.

  202. i would use the money to buy groceries

  203. Laura Jacobson says:

    I would put it towards bills! Nothing fun, but needed. πŸ™

  204. I would use it for christmas gifts for my daughter.

  205. I would spend it on Christmas gifts for the kids.

  206. Norman Lau says:

    I would use it to buy groceries.

  207. Pay off bills and save

  208. Marcia Goss says:

    I would save it for a getaway weekend with my husband.

  209. I would pay my mother’s electricity and water bill because she’s a single parent and deserves to be able to spend her money on herself for once.

  210. I’d buy Christmas presents for my family!

  211. Kimberly Schotz says:

    Christmas gifts and bills

  212. Prepar for baby three.

  213. pay off bills

  214. truth be told I would pay a car payment with it.

  215. Christmas shopping and birthday gift for my son born right after the holidays

  216. Buy christmas

  217. Any cash goes to savings.

  218. Stephanie Mitchell says:

    My 8 year old daughter was trying to save up money she has earned from doing little chores for the neighbor to buy her little brother and sister a DSi for Christmas. I would use it to help her out. She is such a sweet little girl. Would hope that it would make it possible for me to get her one too. She definitely deserves it. <3

  219. I would use the money to buy some hardware for the house and some paint to give my house an updated look. I am tired of looking at the color my kitchen is. thank you

  220. I would use it for Christmas and bills.

  221. Jessica Rose says:

    I’d go to XenaCon!

  222. Angela Cisco says:

    I would use it for Christmas shopping and groceries

  223. We’re doing some much needed repairs to our home so most would go towards that.

  224. Pay bills and buy Christmas presents.

  225. juliette moire says:

    i’d use it for christmas presents

  226. As a single mother of two, definitely groceries!

  227. Christmas shopping and grocery/ bill pay.

  228. I would buy groceries!

  229. I’d buy Christmas dinner items and my Mom’s Christmas gift.

  230. Pay off the orthodontist!!

  231. I would buy for my son.

  232. Alison Wood says:

    I’d use it to make Christmas extra special this year.

  233. I would pay some bills

  234. I’d use it towards holiday shopping.

  235. I did the cash advance with H&R Block a few years ago and it cost a lot in return. For my family, it was not worth it. We decided that no matter what we would not do it again. Doesn’t matter if we have 1 present each under the tree or not. Thanks anyways H&R Block! πŸ™‚ Been with you for 14 years!!

  236. Desiree Dunbar says:

    I could pay off a credit card.

  237. Shirley Hicks says:

    id use it for gifts

  238. Mary Cloud says:

    Pay some bills
    annabella @ centurytel dot net

  239. kelly Hubbard says:

    Buy my spouse a new wardrobe he needs it…

  240. I would get new glasses.

  241. I would help my Mom buy groceries!

  242. rochelle johnson says:

    i would get a kindle fire

  243. Ashley Morrissey says:

    Necessities and clothing for my 3 month old baby boy πŸ™‚

    -Ashley Marie Morrissey

  244. Candis Binkley says:

    I would use it towards my daughter’s college tuition

  245. Pay bills and buy some new shoes and winter coats.


  246. I would use it to pay some bills.

    Thanks for the chance!

  247. Put it towards x-mas

  248. Vikki Billings says:

    I would use it to finish Christmas shopping and the rest I would pay a bill with

  249. Fix the car.

  250. Lanicsha Wynn says:

    Bills and Christmas shopping

  251. Leslie L. Stanziani says:

    I would use it towards Christmas for my 4 kids.

  252. Groceries and filling up the gas tank.

  253. I’d buy some new shoes!

  254. I would use it to pay down the credit card.

  255. Melanie Montgomery says:

    Pay off the credit card.

  256. I would pay off my dentist bill.

  257. carol lewis says:

    Help pay for my 3 year old grandson’s ER visit.

  258. Richard Hicks says:

    would be great to buy gifts for xmas especially when money is tight

    brich22 at earthlink dot net

  259. Molly Bussler says:

    I would go on a shopping spree for my mother, she rarely gets anything nice, and I would love to do this for her, as my Christmas present to her.

  260. save it

  261. Probably a gift or two and maybe some groceries.

  262. I’d pay some bills

  263. Saver Sara says:

    I would finish up our holiday shopping.

  264. I would buy birthday presents for my kids.

  265. Cody Anderson says:

    Buy presents for friends and family

  266. I would get some gifts for my kids!

  267. Melissa VandenBerg says:

    Pay down some bills and do some Christmas shopping!

  268. Amy DeLong says:


  269. kathy pease says:

    I wou ld use it for groceries and a few gifts

  270. Jennifer Peaslee says:

    I would use it for Christmas presents! πŸ˜€ It would really come in handy this year…

  271. Derek Timm says:

    I would save it for a down payment on a car.

  272. addrienne mertens says:

    hmmm is it my own money? i would like a nicer tv for my room

  273. Buy my son something nice, then pay bills.

  274. Tracy Allen says:

    I would use it for Christmas

  275. I’d use it towards Xmas presents!

  276. subscribed to you via RSS google – Stacey0711n(at)gmail(dot)com

  277. buy groceries

  278. Tanya White says:

    I would use it to buy grocery’s

  279. Help friend that needs it

  280. susan smoaks says:

    i would get some new clothes

  281. mary gardner says:

    i would pay bills

    jagar0047 at yahoo dot com

  282. Thanks for the giveaway… put it towards a new laptop for my daughter.

  283. Pay down a credit card

  284. Brittney House says:

    christmas shopping

  285. Cassandra M says:

    i would buy a really cool couple of gifts for my children and some of the kids at the church and some for toys for tots and the rest on cat and dog food

  286. I’d get a few special holiday presents.

  287. I’d use it towards christmas presents

  288. I would buy groceries

  289. christmas shop

  290. Deborah Hogue says:

    I would definitely use it to help support my grandchildren and pay off some bills

  291. Samantha Meyer says:

    I would use it to help pay off some of the debt.

  292. pay off my bills

  293. i would buy groceries and my daughter’s christmas presents πŸ™‚