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The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.



This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever. 


Terms of Use: 

Unless otherwise noted, all free printables that are available on this website, www.fulloffortunes.com, are free for your personal use and to download onto your own personal device, pc, or laptop.  They are for your own personal use only. They are not to be shared, distributed, or marketed for commercial use by anyone else other than www.fulloffortunes.com.

When you download any of my printables from www.fulloffortunes.com, you are agreeing to abide by the following terms:

  • You may download the printables to your pc, device, or laptop for personal use only.
  • Do not remove the copyright terms, watermark, or anything else associated with www.fulloffortunes.com.
  • Do not change, edit, or alter any of my printables, images, or wording in any way.
  • Do not sell or profit in any way from any printables from www.fulloffortunes.com
  • You may only share a link to your audience to download my printables directly from www.fulloffortunes.com.
  • You may ask for permission (meaning written consent) prior to sharing my link with your audience.

All images and downloads are either property of www.fulloffortunes.com or were purchased via subscription plans via the following sites:

  • depositphotos.com,
  • creativemarket.com,
  • thehungryjpeg.com,
  • canva.com,
  • thehungryjpeg.com,
  • craftbundles.com,
  • designbundles.net, &
  • fontbundles.net

Comments Policy:

  We do not tolerate any offensive language or negativity of any kind. Upon seeing this, we will execute our right to use the delete button as frequently and as liberally as we see fit and block you. And we really do not like to block anyone, but we will do it.  So let’s remember this simple yet prolific rule that we have once learned in kindergarten and enjoy the rest of our days on this earth while we still have the chance to do so.  The Golden Rule: Being nice is more important than being right. 🙂


Privacy Policy for www.fulloffortunes.com:

  Last updated as of 5/25/2018 in compliance with GDPR (General Data Protection Regulation)

This Privacy Policy explains how information about you is collected, used and disclosed by www.fulloffortunes.com. This Privacy Policy applies to information we collect when you use “Services”, or when you otherwise interact with us. We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the “Last Updated” date at the top of this policy and, in some cases, we may provide you with additional notice (such as by adding a statement to our website or by sending you a notification). We encourage you to review our Privacy Policy whenever you access the Services or otherwise interact with us to stay informed about our information practices and the ways you can help protect your privacy.

Collection of Information:

Information You Provide to Us: We collect information you provide directly to us. For example, we collect information when you create an account, participate in any interactive features of the Services, subscribe to a newsletter or email list, participate in an event, survey, contest or promotion, make a purchase, communicate with us via third-party social media sites, request customer support or otherwise communicate with us. The types of information we may collect include your name, email address, password, postal address, phone number, gender, date of birth, occupation, employer information, photo, payment information (such as your credit or debit card and billing address), preference or interest data, and any other information you choose to provide. If you provide an email address to invite a friend to participate in the Services, we will collect that email address and use it to send your friend such an invitation.

Information We Collect Automatically: When you access or use our Services, we may automatically collect information about you, including:

Log Information: We collect log information about your use of the Services, including yourInternet Protocol (“IP”) address, web request, access times, pages viewed, web browser, links clicked and the page you visited before navigating to the Services.

Mobile Device Information: We collect information about the mobile device you use to access our Services, including the hardware model, operating system, and version, unique device identifiers, mobile network information and information about your use of our mobile applications.

Information Collected by Cookies and Other Tracking Technologies: We and our service providers use various technologies to collect information, including cookies and web beacons. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, and understand usage and campaign effectiveness. For more information about cookies, and how to disable them, please see “Your Choices” below.

Information We Collect From Other Sources: We may also obtain information from other sources and combine that with information we collect through our Services. For example, if you create or log into your account through a third-party social media site, we will have access to certain information from that site, such as your name, account information and friends lists, in accordance with the authorization procedures determined by such social media site; we may also collect information about you when you post content to our pages/feeds on third-party social media sites.

Use of Information:

We may use information about you for various purposes, including to:

•Provide, maintain, improve and promote our products and services;

•Provide and deliver the information, products, and services you request process transactions, and send you related information, including confirmations and receipts;

•Send you technical notices, updates, security alerts, and support and administrative messages:

•Respond to your comments, questions, and requests, and provide customer service;

•Communicate with you about products, services, surveys, offers, promotions, rewards and events offered by Company and others, and provide news and information we think will be of interest to you;

•Monitor and analyze trends, usage, and activities in connection with our Services;

•Personalize and improve the Services and provide advertisements, content or features that match user profiles or interests;

•Facilitate contests, sweepstakes and promotions, and process and deliver entries and rewards;

•Link or combine with information we get from others to help understand your needs and provide you with better service; and

•Carry out any other purpose for which the information was collected.

We are based in the United States and the information we collect is governed by U.S. law. By accessing or using the Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.

Sharing of Information:

We may share information about you as follows or as otherwise described in this Privacy Policy:

•With vendors, consultants and other service providers who need access to such information to carry out work or perform services on our behalf;

•When you participate in the interactive areas of our Services, certain information you provide may be displayed to other users, such as your name, photo, comments and other information you choose to provide;

•In response to a request for information if we believe disclosure is in accordance with or required by, any applicable law, regulation or legal process;

•If we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property, and safety of Company or others;

•In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company; and

•With your consent or at your direction.

Social Sharing Features:

We use Social Pug for Social Sharing. For more information on Social Pug, please see below under Third-Party Cookies. The Services may offer social sharing features and other integrated tools (such as theFacebook “Like” button), which let you share actions you take on our Services with other media, and vice versa. Your use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature.

For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.

Advertising and Analytics Services Provided by Others:

  • We may allow others to serve advertisements on our behalf across the Internet and to provide analytics services.
  • These entities may use cookies, web beacons and other technologies to collect information about your use of the Services and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information.
  • This information may be used by Company and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites and better understand your online activity.

For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes by companies that participate in the Digital Advertising Alliance, please visit www.aboutads.info/choices.


www.fulloffortunes.com takes reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration, and destruction.

Your Choices:

Account Information: You may review, correct or modify information maintained in your online account at www.fulloffortunes.com any time by logging into your account and updating your profile information or by emailing us at: admin@fulloffortunes.com

If you wish to delete or deactivate your account, please email us at: admin@fulloffortunes.com

But note that some information you provide through the Services may continue to be accessible (e.g., comments you submit through the Services) and that we may continue to store information about you as required by law or for legitimate business purposes.

We may also retain cached or archived copies of information about you for a certain period of time.


Most web browsers are set to accept cookies by default.

If you prefer, you can usually choose to set your browser to remove or reject browser cookies.

Please note that if you choose to remove or reject cookies, this could affect the availability or functionality of our Services.

Promotional Communications:

You may opt out of receiving promotional communications from us by following the instructions in those communications or by sending an email to: admin@fulloffortunes.com

If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.

Push Notifications/Alerts:

With your consent, we may send push notifications or alerts to your mobile device. You can deactivate these messages at any time by changing the notification settings on your mobile device.

Contact Us:

 If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at mailto: admin@fulloffortunes.com

At www.fulloffortunes.com we consider the privacy of our visitors to be extremely important.

This privacy policy document describes in detail the types of personal information is collected and recorded by www.fulloffortunes.com and how we use it.

Like many other Web sites, www.fulloffortunes.com makes use of log files.

These files merely logs visitors to the site – usually a standard procedure for hosting companies and a part of hosting services’ analytics.

The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks.

This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses and other such information are not linked to any information that is personally identifiable.


Cookies and Web Beacons Policy: updated as of 5/25/2018

www.fulloffortunes.com uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.

By continuing to browse our website, you are consenting to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree.

Cookies contain information that is transferred to your computer’s hard drive.

We use the following cookies:

Strictly necessary cookies: These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of the e-billing services.

Analytical/performance cookies: They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users find what they are looking for easily.

Functionality cookies: These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them below.

First party cookies:

This website will set some cookies that are essential for the website to operate correctly. These cookies, none of which capture personally identifiable information, are as follows:

Visitor ID: this cookie is a numeric value that identifies unique visitors and provides coherence and consistency to a site visit;

Page Number: this cookie identifies the page you are on;

Session ID: this cookie identifies your website session;

Test: this cookie checks whether or not your browser supports cookies;

Order: this cookie ensures that your shopping basket works correctly.


Third-party cookies:

Our websites will set several types of third-party cookie, and we do not control the operation of any of them. The third party cookies which may be set include:

ConvertKit: we use ConvertKit as our email service provider in order to provide our readers with the latest information regarding frugal living on our website, www.fulloffortunes.com where we show our readers how to live creatively on less. ConvertKit collects data from users such as name, email address, IP address, demographics, etc., in order for us to provide our readers with the best recommendations on products and product usage. You can read more about ConvertKit’s Privacy Policy here: https://convertkit.com/privacy/

Google Analytics: we use Google Analytics to collect data about website usage. This data does not include personally identifiable information. You can view the Google Privacy Policy here: http://www.google.com/policies/privacy/

AddThis: the AddThis cookie is used when you use the ShareThis service on our website to share a link with LinkedIn, Facebook, Twitter, etc. You can read the AddThis Privacy Policy here: http://www.addthis.com/privacy/privacy

Pinterest Analytics: we use Pinterest to grow traffic to our website. Pinterest collects data about content usage that may include your name, log data, cookie data, & device info. You can read more about Pinterest’s Privacy Policy here: https://policy.pinterest.com/en/privacy-policy

Facebook Pixels: we use Facebook Pixels to retarget website users for Facebook ads. This means that if you browse our website, you’re more likely to see our Facebook ads. You can view the Privacy Policy here: https://www.facebook.com/policy.php

Social Pug: we use Social Pug to allow users to share our content more easily across social media channels. You can read more about their Privacy Policy here: https://devpups.com/terms-and-conditions/

CommentLuv: we use CommentLuv to give blog commenters the option to include a link to one of their recent blog posts with their comment. This data improves the users’ experience. You can opt out of using CommentLuv when posting your comments. For more information on this privacy policy contact the developer here: https://wordpress.org/plugins/commentluv/

Hello Bar: we use Hello Bar on some of our opt-in forms to collect names and email addresses. This allows us to keep in touch with readers and customers who want to hear from us regularly. You can view their Privacy Policy here: https://www.hellobar.com/terms-of-use/

Elementor: we use Elementor to collect names and email addresses when offering upgraded content in blog posts. This gives us the opportunity to continue to send out content to those people who signed up. This can be a single or a double opt-in option. You can find Elementor’s Privacy Policy here: https://elementor.com/privacy-policy/

Please contact the developer for additional questions on the privacy policy. You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.


DoubleClick DART Cookie:

Google, as a third party vendor, uses cookies to serve ads on www.fulloffortunes.com. Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to www.fulloffortunes.com and other sites on the Internet.
Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – <a href=”http://www.google.com/privacy_ads.html” title=”Opt out of the Dart Cookie”>http://www.google.com/privacy_ads.html<


Our Advertising & Affiliate Partners:

Some of our advertising partners may use cookies and web beacons on our site. While each of these advertising partners has their own Privacy Policy for their site, an updated and hyperlinked resource is maintained here: http://www.privacypolicyonline.com/privacy-policies

Our advertising & affiliate partners include the following, in no particular order:

  • Amazon Associates Program, Amazon Ads, Amazon Bounty Program, etc.
  • AWIN.com Affiliates Program (Etsy, Lillypost, etc.)
  • Savings.com Affiliates Program
  • MyFreezEasy.com & Grocery Budget Makeover Affiliates ProgramYou may consult this listing to find the privacy policy for each of the advertising partners of www.fulloffortunes.com


Amazon Associates:

www.fulloffortunes.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and links to Amazon.com. As part of this Amazon Associates program, www.fulloffortunes.com will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

If you have further questions or concerns, please feel free to contact me directly at admin@fulloffortunes.com

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on www.fulloffortunes.com and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site’s third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

www.fulloffortunes.com has no access to or control over these cookies that are used by third-party advertisers.


Third Party Privacy Policies:

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.fulloffortunes.com’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or websites. You may find a comprehensive listing of these privacy policies and their links here:

http://www.privacypolicyonline.com/privacy-policy-links” title=”Privacy Policy Links”>Privacy Policy Links

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites. <a href=”http://www.privacypolicyonline.com/what-are-cookies”>What Are Cookies?</a></p>


Children’s Information:

We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity. www.fulloffortunes.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that www.fulloffortunes.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.


Online Privacy Policy Only:

This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than this website.



By using our website, you hereby consent to our privacy policy and agree to its terms.
This Privacy Policy was last updated on: Friday, May 25th, 2018.
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Should we update, amend or make any changes to our privacy policy, those changes will be posted here. END of Privacy Policy

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