Saturday, June 22, 2019

How you can beat the Chase Freedom 5% on Streaming Services



The next quarterly category for the Chase Freedom Card includes 5% cash back on streaming services. The Chase Freedom points can be very valuable because they can be transferred to the Sapphire cards where The Points Guy values them at 2 cents a point. I personally value them at about 1.5 cents a point. But what I like to do for streaming services is to buy discount gift cards on Raise.com. Currently, Hulu gift cards are 6.7% off, Netflix 3.2% off and iTunes 5.9% off. Plus you can get another 1% back from sites like Swagbucks and 1.5% back by paying with the Chase Freedom Unlimited. Raise also often offers promo codes like the one today that gives 4% off everything although I don't believe it can be combined with Swagbucks shop and earn. Either way, you can do better than 5% back and even better than 10% off if you wait for a promo code.

Sunday, June 9, 2019

The Credit Shifu Wallet




I was looking for a new wallet because the travel wallet I've been carrying for a few years now is just too thick to be comfortable. Also, I don't keep much cash on me and have transferred most of my store cards to my phone. I found The Credit Shifu RFID blocking minimalist wallet. This wallet is very compact even fully loaded its about half the thickness of my old wallet. It has a nice feel and holds cards securely, something I was worried about with this style wallet. If you're interested in a new compact wallet check out The Credit Shifu Store. The Credit Shifu is not a sponsor, but offers lots of great info on credit cards and I am a big fan of his Youtube channel. Check out his YouTube channel to learn about getting free travel and perks through credit cards.

Sunday, June 2, 2019

Finding Myself in the Alternative Income World


I haven't posted in a while because I've changed a lot over the past few months. I talk a lot about making money on this blog and how I earn money. Lately, I've taken a break from most of my online income activities, including taking surveys and watching paid videos at least for the most part. Honestly, burnout is a large part of it as well the dissatisfaction with sites not crediting for surveys and offers. Many reward sites have a terrible practice of allowing their users to be abused by the surveys and offers while blaming the partners for not paying. An honest reward site should hold their partners accountable to prevent abuse to their loyal users. Many of these surveys string users along for a while before disqualifying them or even let users successfully complete them and still give payment.

3 Ways I Still Make Extra Money

First I found a new app I love StepBet. Here you place a bet committing to meet your step goals and if you don't you lose your bet. If you do complete your goals you get to split the pot with the other winners. It's great motivation to get your steps in and be more active. Most StepBets are about $40 and last 6 weeks. I normally make about $8 from a StepBet like that. Pretty good earnings just for doing what you should.

Next, I still do paid search through Bing and Swagbucks. This makes a little bit of money and is worth it because I search the internet anyway. Bing tends to be my go to search engine especially when I am on mobile.

I still think about maximizing cash back when shopping. I like to use Ebates or Swagbucks as well as Raise.com to save money on gift cards. I have also added into the mix credit cards cash back and sign up bonuses. My current two favorite cards are the Discover It and the Chase Freedom. Both of these have rotating categories that give 5% cash back. I recently got the Chase Freedom which gave me a bonus worth $150. Not bad for a free card with good cash back categories. The Discover It will give a $50 sign up bonus if you use this link, plus you get cash back match at the end of the first year.


I've changed a lot and am not sure if I will ever go back to surveys. I do plan to continue looking for ways to earn money for things I do anyway like exercise and searching the web. I have also become interested in learning about credit cards and how to get the most benefit out of them.


None of these companies are sponsors, but some of the links are referral links and I will get paid if you sign up through them.


Sunday, January 20, 2019

5 Ways to Get Money for Travel


A lot of people ask how to get money for travel, and I thought I would talk a little bit about it. Now your earnings may vary a lot, and all these techniques may not be for everyone, but I think most people could take at least a few tips from this post. None of these companies are sponsors although there are referral links present in this article which anyone can do.


1. Credit Card Rewards


The number one way to earn a lot of money for travel is to get a travel credit card. A couple of great lower cost options are the Capital One Venture Card and the Chase Sapphire Preferred. Both of these currently give a good sign bonus for spending $3,000 or $4,000 respectively. The bonus for the Venture card is worth about $500, and the bonus for the Sapphire Preferred is worth about $650. Both cards include TSA Precheck or Global Entry reimbursement. These cards have a $95 annual fee that's waved for the first year. The Points Guy has a good comparison of these cards.

Check out this post if you would like to learn how to make your spending requirement.


2. Earn Shopping Rebates


Many websites and apps these days offer rebates for shopping. An easy option would be to get either the Ebates browser add on or the Swagbucks add on. This would allow you to easily receive cash back everywhere you shop online and this is on top of your credit card cash back. You can also earn rebates on groceries and other shopping using Ibotta.


3. Complete Surveys and Tasks Online


There are many online survey and offer sites out there these days. A longtime favorite of mine is Swagbucks. They have a ton of options to earn money and give lots of bonuses and have plenty of extra earning opportunities through games and promotions. Other good options here are InstaGC and Inbox Dollars.


4. Get Paid to Search the Web


You can also get paid to search the web. One of the best options is Bing.com not only do they pay you to search the web, something you probably do anyway, you can also make a little extra money from looking through their news pages.


5. Earn Money Working Out


This section is one of my favorites. You can earn money through apps like Achievement which rewards you for a variety of healthy actions including taking steps and logging your weight and food. You simply link up your other health apps and its pretty automatic from there. Another great option is StepBet. Here you wager your own money and if you make the step goals you get to split the pot minus what StepBet takes with the other winners at the end of the competition. I just started with StepBet and will write a review after I finish the first competition.

Monday, January 14, 2019

Attaining Credit Card Reward Bonuses


I see a lot of people wondering how they can achieve the spend requirements on credit cards to receive the sign-up bonuses. Many cards these days offer bonuses of 50,000 points or more. In my example, I am going to use the Venture card by Capital One. This card gives 50,000 points worth $500 as a statement credit toward travel when you spend $3000. If you would like to see a good review of the card check out this full review by The Points Guy 

Let's get down to how we are going to spend the $3000. In order to makes this work for most people, you will have to have some extra money to pay some bills ahead of time. It's time to get out your budget. If you don't already have a budget its a good time to make one. What I like to do is check off whether an item can be paid with a credit card or not. Currently, I can pay my Car Insurance, EZ Pass, Electricity, Phone, Groceries and Entertainment Costs by credit card. For me, this amounts to about $600 a month. I can also pay my Auto Registration by credit card, but this requires careful timing. As you will see $600 a month over 3 months is only $1800 so we will need to be a little clever. How are we going to get the remaining $1200?

First I can pay car insurance in blocks of 6 months for about $645 if I time opening the card correctly. This brings us up to $2122.5 since the $1800 included 3 months of auto insurance.

The second thing I can do is time my payments so that I have 4 electric bills during this period. My bills are due on the 4th of the months and I receive them on the 10th. This adds about $200 dollars. We are now up to $2322.5.

Now its time to get a bit creative. If you are already planning a trip you may be able to spend the remaining $678 on that. If not let's start by talking about things you can prepay. First I can prepay for tolls on EZ Pass lets say $100. Next, you can prepay for anything that offers gift cards. This means gas and groceries, but also even things like Netflix and Apple Music. I prefer to buy my gift cards at a discount on Raise. In the following example, you could spend $300 on grocery cards, $200 on gas and $80 on normal entertainment expenses. You can get very creative here and often save a lot of money on discount cards. Plus you can even get an addition 1% cash back through Swagbucks.

So here is how it all adds up.
$1800 in normal monthly expenses.
$322.5 in prepaid car insurance
$200 by timing your electric bills
$100 in prepaid EZ Pass
$300 in Grocery Gift Cars
$200 in Gas Gift Cards
$80 in entertainment cards
Total $3002.50

The great thing about this plan is that it is all things I would buy anyway and the fees for this are very low. The only charges for using credit are from the electric company which charges $1.5 a transaction for a total of $6. See how you can get creative with this. Make sure you only spend money you have and you pay the credit in full each month. Otherwise, the interest will quickly eat up your savings.

How you can beat the Chase Freedom 5% on Streaming Services

The next quarterly category for the Chase Freedom Card includes 5% cash back on streaming services. The Chase Freedom points can be very...

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