H&R Block Emerald Advance Program

Ahhh Christmas! My most favorite time of the year! During the month of November, I prepare my list of "to-do's" to help me get ready for the holidays. Here's an example:

  • Have the kiddos write up their Christmas list of items they would love to have and/or need this holiday season.
  • Get out the decorations and prepare to decorate the day after Thanksgiving (our tradition).
  • Plan the menu for our Christmas dinner, write up my shopping list, and purchase what I can ahead of time.
  • Shop on Black Friday and Cyber Monday. Grab whatever awesome deals I can find.
  • Purchase all of my holiday cookie / cake / pie ingredients and get into baking mode!
  • Clean the house from top to bottom, get out my scented candles and other holiday fragrance items to create the mood.
  • Apply for an H&R Block Emerald Advance for up to $1,000 to help with all of my holiday expenses.

That last item on the list is an important one! Saving what I can and looking for the best sales and deals throughout the year definitely helps when it comes to making a nice Christmas for our 5 children and 2 grandchildren. This economy is crazy tough, so I look forward to and count on my H&R Block Emerald Advance each year to give me that extra "padding" I need through the holiday season.

I've been a loyal H&R Block customer for over 18 years now. There are a number of reasons that I keep going back to them for my income tax needs. The tax professionals are knowledgeable and familiar with current tax laws, they offer personalized, friendly service and guidance to get the most out of your tax filing experience, and they stand behind and support you with their 100% accuracy guarantee should you ever have to go through an audit. 

Applying for an Emerald Advance with H&R Block is easy peasy! Whether you need a little extra cash to purchase your holiday gifts, travel expenses, or to pay a bill or two, they are there to help!

As of Monday, November 19th, you can apply for an Emerald Advance line of credit in any participating H&R Block office, and you can even start the process over the phone by calling toll-free at 855-294-5828.

You could be approved in as little as 15 minutes!!

Oh, and in case you're wondering, you do NOT need to be a current H&R Block client to apply! Nice, huh?! All you need to apply is a valid photo ID and your most recent pay stub (no W-2 form required)!


* Current earnings statement or pay stub

* Current government-issued photo ID or driver’s license

* H&R Block Emerald Prepaid MasterCard® if you have one

* New clients must also bring a recent bill or bank statement showing their current street address

Once approved, your funds will be transferred to a H&R Block Emerald Card, where you can begin to make your purchases/payments everywhere Debit MasterCard cards are accepted. Use your line of credit for holiday purchases, emergencies, car repairs, or for every day needs. You can learn more about the H&R Block Emerald Advance Line of Credit by visiting their website.

So, to get you thinking about what YOU would do with a Cash Advance, the good people at H&R Block are giving away a $300 Gift Card to one lucky Mother of Pearl It Is reader!! How awesome is that?!

Simply complete the Mandatory entry in the Rafflecopter form below, and as many of the optional entries as you'd like for more chances to WIN!

a Rafflecopter giveaway

Disclaimer: The prize was provided and may be shipped to the winner by H&R Block, but H&R Block is not a sponsor, administrator, or involved in any other way with this giveaway. All opinions expressed in the post are my own and not those of H&R Block. Entrants must be 18 or older and located in the US only. Winner to be chosen at random.


  1. I would take my Mom out because she is working entirely too hard these days. :]

  2. I would buy my kids each a MEEP

  3. I would spend it on my grandsons… clothing for the winter and new toys!

  4. I would use it towards getting a new bedroom set for me or tires for my van.. I need both.

  5. My husband is out of a job. I am ASAHM. Rightnow, I could use the money for Christmas.

  6. I’d save it for our very first family vacation for our food costs

  7. I will by gifts for the holidays

  8. Wow — what a great time of year for an extra $300!! With 2 kids in college and a daughter getting married in a year, well…$300 would just help make ends meet. But specifically at this time of year, it would help us buy Christmas gifts!

  9. Mary Happymommy says:

    Oh, wow, I would use it for a weekend getaway this winter!

  10. debbie jackson says:

    to pay medical bills debbie jackson
    djackson1958 at hotmail dot com

  11. I would buy Christmas gifts

  12. I would get my boys what they need for basketball like shoes and shorts. Then I’d get my girls a couple of things for their dorm/apartment.

  13. Leaving for a month long holiday so if I win and it gets here before then I would use it to do some shopping!

  14. Sonya Morris says:

    I would buy Christmas presents for my kids.

  15. Thomas Murphy says:

    I would buy Christmas presents for my family. Probably new coats.

  16. i would use it for xmas gifts!

  17. Jennifer Marie says:

    I would buy winter clothes for the family!

  18. I would spend it on my boys!

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

  20. I think I’d bank it for when the new baby arrives. I’ll be off 6 weeks with no pay, and this would help!

  21. christmas presents

  22. pay bills, buy something pretty and new

  23. buy some Christmas gifts

  24. shopping spree baby:)

  25. MIKE BORGRUD says:

    i would buy my kids gifts

  26. Amanda Sakovitz says:

    I would buy Christmas gifts

  27. Tami Vollenweider says:

    I would share it with my husband!

  28. I would use it towards x-mas presents

  29. Christmas presents for my kids.

  30. I would use it towards Christmas presents!

  31. I’d use it for holiday shopping.

  32. Allison Downes says:

    I would spend it on Christmas Gifts

    Thanks for the awesome giveaway!

  33. christmas gifts

  34. Kathy Artis says:

    i would spend on bills

  35. Mary Beth Elderton says:

    I’d spend it on my family for the holidays

  36. Jennifer Rote says:

    I’d buy household items like laundry detergent and paper towels.

  37. I would put it toward college expenses.

  38. I would put it toward the tools I still need for a small business I am trying to start at home :)

  39. I am wanting to buy my oldest a Macbook Pro for her Graphic Designs studies in college

  40. I would use it for Christmas gifts for my kiddos!

  41. i would use this for christmas shopping

  42. filing my taxes.. I’m going to need it this year.

  43. I would get some much needed dental work done.

  44. Rob Hestar(★♋) (@Hestar69) says:

    I would spend 200 on getting my mom the Tablet she wants and some roses and I would spend the other 100 on my best friends Xmas gift

  45. Jill A. Collins says:

    I would use it to stock up on grocery staples for the Winter. We work in a seasonal business and that is our slowest time to make money.

  46. Ashley Hatten says:

    This would go into our vacation fund!! Thanks so much!

  47. I would use it for Christmas shopping and Christmas dinner shopping!

  48. Colleen Boudreau says:

    I’d spend it on Christmas gifts.

  49. Leanna Morrs says:

    I’d love to win $300…I’d use it for some date nights with my hubby! We both would love that! Thanks for the giveaway!

  50. Michelle Spayde says:

    I would put it towards my cat’s ever growing Veterinary bills.

  51. I would put half towards bills and the other half towards clothes for my girls

  52. I would love to go out with my family as we have not been able to go out anywhere since last few months as I had a difficult delivery!

  53. I will use it to redecorate and organize our bedroom/office

  54. I would most likely use this money for bills, although I’d love to use it on myself. My hair needs serious HELP haha!

  55. Shannon Morris says:

    Christmas shopping for my 3 kids!

  56. Marcia Goss says:

    I would take my husband for a weekend getaway.

  57. I’d use it for Christmas shopping.

  58. This could take care of all my Christmas gifts this year!

  59. Kellie Rose Wilson says:

    New tires for my car!

  60. Anita Leibert says:

    Thank you for this opportunity! If I’m chosen the lucky winner, I will use it towards holiday spending!

  61. Seyma Shabbir says:

    Winter clothes for family

  62. I’d take it straight to the dentist, and get my son the dental appliance he needs.

    Thank you.

  63. Nataly Carbonell says:


  64. I would spend it on my kids, buying them sweaters, coats and toys.

  65. I need it to help pay off a dental bill.

  66. i would pay my house taxes
    tcogbill at live dot com

  67. stock up on groceries and buy grandkids Christmas gifts.

  68. I would buy a sewing machine,

  69. Audra Weathers says:

    If I won, I would buy my daughter some clothes and a bookcase and I would put the rest towards groceries. Would be pretty awesome. :-)

  70. I’d use it to buy groceries

  71. I plan to get an ipod

  72. Christina Brundick says:

    I would buy myself a tablet with the card

  73. Debra L. Guillen says:

    spend it on Christmas shopping

  74. Michelle H. says:

    I’d buy a Kindle Fire for my daughter who has been asking for one all year. I’d still have some left over for books and maybe even a new Pandora charm for me!

  75. I plan on using it for Christmas gifts!

  76. Last minute Christmas gifts

  77. I’d purchase a new recliner for my front room. Thanks.

  78. linda brooks says:

    I would use it for Christmas presents

  79. Molly Bussler says:

    Clothes and Toys for my son

  80. i would buy a new quilt

  81. I would use it to buy Christmas presents. lebl9077@bellsouth.net

  82. My family could use a new couch that seats all nine of us.

  83. Debra Hamilton says:

    I would buy presents for the needy!

  84. I would put it toward fuel oil to heat my home

  85. I would spend it on Christmas shopping and maybe groceries

  86. Jamie Brigham says:

    I would give it to my husband and let him get what he wants. He works his butt off so I can stay home and raise our son and he deserves it.

    • Jamie Brigham says:

      It would put a huge dent into the iPad mini he really wants, he sold his iPad when we needed the money.

  87. Roxanne DeBord says:

    I would put it towards moving into our new home and decorating. We got rid of all our old appliances and couches, so we have a lot to buy!

  88. I SO need it for Christmas gifts for my kids!

  89. groceries!

  90. Wendy Kroy says:

    I would probably use it to pay my wireless bill. Thanks for the opportunity!

  91. i’d spend on a beach weekend or concert tickets

  92. rebecca shockley says:

    I need some work done on my van and I need 2 tires very soon

  93. Not the most glamorous but I’d like to get my bathroom tiles re-grouted!

  94. Brooke Adametz says:

    I’d put it towards a new fridge!

  95. I would spend it all on my kids!
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  96. Car repair.