Thursday, November 18, 2010

Simple Ways to Save Cash Online!

If you are not a member of Ebates yet, now is the time! There are no crazy strings. You go to their site, find the website you intend to visit, click on it and see the coupons/deals available, and at the end of the quarter, you get a check in the mail. Usually it is 2-10% cash back, on top of coupons (and often free shipping). However, as the holidays are approaching, the deals have increased and the cash back offers have been excellent.
Ebates

Another great way to get money back without doing anything special is to switch your browser. Instead of using google or other browsers, check out Swagbucks. Set is as your home screen so you don't forget! You get paid for searching the web in either items or gift cards. Good ones, too (Target, Amazon, etc).
Swagbucks

We do a fair amount of shopping on Amazon. Recently we decided to switch from our 2 credit card system (Amex Cash Blue, gives 5% back on gas and groceries and Chase Freedom, which has 3 different 5% cash back categories every quarter; both have no annual fee) to a 3 credit card system, adding an Amazon charge, to use exclusively for Amazon purchases. I realized without doing this, I was wasting money every time I bought anything on Amazon. You get $40 instantly off of your first bill, no annual fee and 3% back on all Amazon purchases. As long as you don't carry a balance, cash back cards can be a real savings on and offline. The interest rates tend to be higher than most, so applier beware if you carry a balance.
Amazon

The other cash back item we are considering is the Target charge, as you get 5% back and with the ability to stack Target and manufacturer's coupons already, the 5% back (vs. 1.25% cash back w/the one charge for non-grocery shopping) with make the savings that much greater.

An update on the forced fake car payment--it was no fun and not motivating, so I changed the title of the savings account to "Vacation Fund" and am now taking what I have "saved" when I shop and I manually put it in there when I get home. Much more fun and motivating! It is not really savings if it doesn't get saved!!!

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