JCPenney takes an extra 20% off sitewide via coupon code "TOSAVE8" during its Summer-Riffic Sale. (It cuts an extra 25% off orders of $100 or more.) Shipping adds $8.95 for most items, although orders of $99 or more bag free shipping. (Ship-to-store pickup is also available for $3.95 and free for most orders over $25.) Some exclusions apply. Shop Now
I've been offering money advice for more than 35 years. Here are the 10 most important things I've learned.