$10 with Ebates + More

$10 with Ebates + More

pexels-photo-929285.jpeg

There are quite a few cash back apps that give you money for doing what you already do shop.  When cash back sites first started, you could only get cash back through the site when you shop online.  Now cash back sites have apps and allow you to link your credit card for shopping at online and in store.  Maximize your savings with by making sure you use a card that gives you rewards (aka cash back) in addition to shopping at the sites below.

Ebates gives you a percentage of your purchase back for going through their app or website.  It happens to be one of my favorite cash back sites.  I’ve earned several hundred dollars back through Ebates.  Signup through my link and you’ll get $10 to start your savings!  Payments are sent once a quarter when you reach $5.

Mr.Rebates gives you 1% and up from shopping at select retailers.  They are similar to Ebates.  At $10 you can cash out with a check or paypal.

ShopAtHome starts out at .75% and up for clicking through their links to shop. Once you reach $20 your payment will be made 60 days later.

Receipt Hog is an app you download and take pictures of your receipt.  Each receipt has to be uploaded within two weeks, 14 days, to qualify.  You’ll receive either coins from any store that sells groceries, health items, beauty items, and more.  You can also receive slot plays to win more coins.  The breakdown of how much coins you receive for receipt is as follows.  <$10 = 5 coins, $10-$50 = 10 coins, $50-$100 coins = 15 coins, and more than $100 = 20 coins.  You can upload 20 receipts a week for coins, so if you upload 20 receipts each week worth $100 or more than you will get 400 coins each week.  You can redeem for Amazon, Paypal, or magazines.

BeFrugal   They have partnered with over 5000 retailers and promise payments within 10 business days of payment requests.

Happy Savings!

Clearing my inbox

Clearing my inbox

Unsubscribe. It seems simple enough, but countless times I’ve gone ahead and signed up for a savings/discount/newsletter just to get something free or cheap.  It has led to a constant bombardment of urgent emails touting the best price of the year, a discount, or savings you can’t miss.  It’s clogging my inbox, my mind, and feeding the shopaholic that is desperately waiting beneath the surface to grab my credit card so she can’t miss the savings.  It sounds illogical, but it’s true.

My addiction to shopping has only hindered me in accomplishing my goals.  I would happily spend hours searching for a deal, just to be able to save I saved 90% on something I didn’t need.  It is a constant battle with temptation and I fight it regularly especially with the never-ending flood in my inbox and Instagram of all I could be saving with these incredible deals.

So today I unsubscribe.  I limit who I let into my inbox, ( I have a spam inbox that is attached to my main one.)  My goal is to clean out all the garbage, all the sales, and discounts, remove myself from the newsletters touting bargains, discounts, and unbelievable savings.  After all Macy’s one day sales comes round more times than I can count.  This year will be a year of savings, finding do without for the things I don’t need.  It doesn’t mean I’m cutting myself off completely.  It means I’m clearing out the clutter for the beautiful view up ahead.  I hope you’re with me in unsubscribing from the junk in your life too.

Happy Savings!

Chrystal

Tax Time

Tax Time

person holding black pen
Photo by rawpixel.com on Pexels.com

New Year, new changes in your spending and savings?  Now is the perfect time to revisit your deductions in your paycheck.  Use this time to check your deductions to determine if you are giving Uncle Sam too much or too little money.  We all want to keep as much of our earned income as possible, but the complicated tax laws can seem overwhelming in determining how many deductions you should take without have a large refund or larger tax liability coming.  Take a few minutes to go over to Turbo Tax and use their free tax calculator to help you make a better decision when it comes to your weekly paycheck.

Happy Savings!

Chrystal

52 Week Money Challenge

52 Week Money Challenge

If you follow me on social media you know I have a busy life with 5 kids ages 3 – 18.  You also should know I don’t just give money to my kids, they have to earn it.  Yes even my youngest has to earn his money by completing easy tasks around the house.  Well I’m always looking for ways to make my life easier, that also means ways to make my savings automatic not just for me but for my kids as well.  After all part of my job is to make them ready for adulthood.

This challenge is easy enough that even my 3 year old can do it.   The challenge is simple, every week you put money aside, starting with a $1 and building up to you put $52 dollars away for the week.  At the end of the year you will have saved $1378.  After you save make sure it stays saved, this is a challenge for my 18 year old.

Week Amount Balance
1 $1.00 $1.00
2 $2.00 $3.00
3 $3.00 $6.00
4 $4.00 $10.00
5 $5.00 $15.00
6 $6.00 $21.00
7 $7.00 $28.00
8 $8.00 $36.00
9 $9.00 $45.00
10 $10.00 $55.00
11 $11.00 $66.00
12 $12.00 $78.00
13 $13.00 $91.00
14 $14.00 $105.00
15 $15.00 $120.00
16 $16.00 $136.00
17 $17.00 $153.00
18 $18.00 $171.00
19 $19.00 $190.00
20 $20.00 $210.00
21 $21.00 $231.00
22 $22.00 $253.00
23 $23.00 $276.00
24 $24.00 $300.00
25 $25.00 $325.00
26 $26.00 $351.00
27 $27.00 $378.00
28 $28.00 $406.00
29 $29.00 $435.00
30 $30.00 $465.00
31 $31.00 $496.00
32 $32.00 $528.00
33 $33.00 $561.00
34 $34.00 $595.00
35 $35.00 $630.00
36 $36.00 $666.00
37 $37.00 $703.00
38 $38.00 $741.00
39 $39.00 $780.00
40 $40.00 $820.00
41 $41.00 $861.00
42 $42.00 $903.00
43 $43.00 $946.00
44 $44.00 $990.00
45 $45.00 $1,035.00
46 $46.00 $1,081.00
47 $47.00 $1,128.00
48 $48.00 $1,176.00
49 $49.00 $1,225.00
50 $50.00 $1,275.00
51 $51.00 $1,326.00
52 $52.00 $1,378.00

 

Monthly Savings Challenge

Monthly Savings Challenge

Happy New Year!!!  I’m excited always excited to find easy ways to save.  This is an easy challenge to save over $1300 in a year.  I recommend saving a potion of every paycheck, but I know it’s not always feasible to do so.  I have a portion of every paycheck transferred in an account I don’t touch, even if you start with $5.  If you get paid every week like I use to that’s $260 you could have saved.  For those that already save and looking for another challenge this one may be for you.

The challenge is pretty straight forward.  Pick one day in the month, you can have it automatically transferred from your account or paycheck.  Now would be a perfect time to have it set up, so you don’t have to think about it every month.

Month Save Total Saved
January 10 10
February 26 36
March 55 91
April 62 153
May 78 231
June 114 345
July 120 465
August 130 595
September 166 761
October 185 946
November 230 1176
December 202 1378
Total Saved: 1378

 

A brief year in reflection

A brief year in reflection

It’s 2019, can you believe it?  I have to say the year went by way to fast and I fell short on many of my life goals, not just the financial goals I set for myself.  I didn’t get my series finished and I’ve been beating myself up about that, but I’m working on giving myself a break.  Although the books are in various stages of completion I plan to keep at it and revisit the time line I laid out, adjusting it to more realistic levels with my hectic schedule.

Life happened, as it always does and we just weren’t prepared for the moments that seemed to bombard us one after the other.  There were times I just couldn’t seem to catch my breath, I felt as if everything happened all at once.  Although I have a strong faith, there were moments I questioned the purpose of the fire I felt surrounding me.

The unpreparedness of it all left me shaken but determined to better prepare for the inevitable that would always come.  The year of 2018 left my family of seven going from two incomes to one, car accident that left us without a car, major car repairs (not part of the accident), and the death of my dad.  It was his death that caused me the greatest setbacks as I found the desire to write hard, I put my books on hold, leaving my passion to the side as I tried to find the new norm.  I’m still trying to find the new norm.  The year also brought us joy and an unexpected promotion where I’m making more money and numerous moments I’m forever grateful for.

My setbacks weren’t complete failures, they were learning lessons for me to reexamine what I need to change in my spending and saving habits.  It reminded me I need to reexamine where I am on my goals.  I plan on doing better, much better with the New Year adjusting my goals and sticking with my plans.  I have goals I want to accomplish not just financial but milestones in my personal and career life as well.

2019 will include new challenges such as a change in the dynamics of my family, my oldest will be graduating in May and heading off to college.  Her leaving the nest means a need for an increase in my income to provide for the necessary expenses and emergencies that will come up for her.  The last thing I want is for her to worry about these will she is in school.

Some goals for the New Year:

  • Pay off my debt, I’ll have another post with my debt, the payment plan to getting it to zero, and keeping it there.
  • Buy my daughter a car with cash, deadline May 1, 2019.
  • Save an emergency fund. This is a goal that I will be working towards.  It will be difficult to accomplish this without finding ways of increasing my income, even with budgeting, but it is a goal with ways I hope to make this task accomplished.  In order to accomplish this I have to save half of my gross income.  It means drastically cutting unnecessary expenses.
  • Save towards my retirement. This is automatic for me – it comes out of my check and is matched through my company’s matching 401k program.  I will not be changing this, as I have the minimum deductions in order to get the match.
  • Save towards home down payment, this will be my biggest challenge, but I’m tired of paying someone else’s mortgage.  I have a plan set in motion to buy my own house by 2020.

Once a month I’ll revisit my goals and see if there are any new ones I want to add.  This blog is not only a journal of my goals to financial freedom, but a day to day log of my journey to having more.  By more I don’t mean just money, but more memories, time, and less worry.

 

Happy Savings!

Chrystal

 

 

Cash Back Sites For Online Shopping

Cash Back Sites For Online Shopping

pexels-photo-929285.jpeg

There are quite a few cash back apps that give you money for doing what you already do shop.  When cash back sites first started, you could only get cash back through the site when you shop online.  Now cash back sites have apps and allow you to link your credit card for shopping at online and in store.  Maximize your savings with by making sure you use a card that gives you rewards (aka cash back) in addition to shopping at the sites below.

Ebates gives you a percentage of your purchase back for going through their app or website.  It happens to be one of my favorite cash back sites.  I’ve earned several hundred dollars back through Ebates.  Signup through my link and you’ll get $10 to start your savings!  Payments are sent once a quarter when you reach $5.

Mr.Rebates gives you 1% and up from shopping at select retailers.  They are similar to Ebates.  At $10 you can cash out with a check or paypal.

ShopAtHome starts out at .75% and up for clicking through their links to shop. Once you reach $20 your payment will be made 60 days later.

Receipt Hog is an app you download and take pictures of your receipt.  Each receipt has to be uploaded within two weeks, 14 days, to qualify.  You’ll receive either coins from any store that sells groceries, health items, beauty items, and more.  You can also receive slot plays to win more coins.  The breakdown of how much coins you receive for receipt is as follows.  <$10 = 5 coins, $10-$50 = 10 coins, $50-$100 coins = 15 coins, and more than $100 = 20 coins.  You can upload 20 receipts a week for coins, so if you upload 20 receipts each week worth $100 or more than you will get 400 coins each week.  You can redeem for Amazon, Paypal, or magazines.

BeFrugal  They have partnered with over 5000 retailers and promise payments within 10 business days of payment requests.

Happy Savings!