Category Archives: Advice and Suggestions
There are so many cashback programs out there. I used to be with cashbaq.com until they eventually merged with ebates.com. I do have an ebates.com account and occasionally use it. There is a site http://www.cashbackholic.com/. It is a cashback comparison shopping site. Type in the site you wish to get cashback, see if they have a cashback program, and then choose the site that offers the most cashback.
But lately, I have been just using my Discover credit card. You get 5% cashback (when you go through their shopping partner site). But sometimes you get 10% cashback depending on a promotional period. On top of that, any time I swipe my Discover card at a store, I get 1% cashback on my purchase.
Each shopping quarter, Discover specifies which category gets 5% cashback. For Oct-Dec, any Fashion and Restaurant purchase gets an auto 5% cashback when you swipe your card. This quarter so far, I’ve earned $30 cashback that can go towards my payment or a gift card or redeem it for merchandise.
So try to get a Discover card.
Swagbucks.com had suggested to me that I sign up for Mint.com. It was free and I will earn 90 swagbucks. I thought cool and I could always delete if I didn’t like it. Turns out it is one heck of a tool. I plugged in all my financial data from home value, cars, checkings, and 401k. I can set my budget on shopping, utilities, and random credit card spending. There is also a way to calculate how much I need to save up for trips, college funds, and retirement. Everything is right on 1 screen. There are no installations.
I was so impressed with this program, that I downloaded the Free app for my phone. The app keeps informs you of any changes to your accounts and budgets. I would get alerts “You’re $40 over budget.” The only thing that the app does not do is the ability to add accounts and make budget changes. To do so, it is only available through Mint.com’s website.