gift cards http://www.wisebread.com/taxonomy/term/2008/all en-US 6 Easy Ways to Use Technology to Save on Christmas Shopping http://www.wisebread.com/6-easy-ways-to-use-technology-to-save-on-christmas-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-easy-ways-to-use-technology-to-save-on-christmas-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_texting_winter_000047883380.jpg" alt="Woman using technology to save on Christmas shopping" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no arguing that technology can make life a little sweeter in terms of saving us time and money &mdash; both things that tend to be at a premium during the holidays. Whether it's using free apps on your smartphone, or taking advantage of online shopping tricks to score the best deal, you should definitely consider using tech to lower your <a href="http://www.wisebread.com/december-deals-that-are-better-than-black-friday">shopping bill in December</a> and beyond. Here are a few ideas to get you started.</p> <h2>1. Use a Christmas Shopping App</h2> <p>Since most of us are walking around with very powerful computers in our pockets, it makes sense to use our smartphones to manage our Christmas shopping. My favorite app is the free for iOS&nbsp;<a href="https://itunes.apple.com/us/app/santas-bag-christmas-gift/id397698040">Santa's Bag</a>, which allows you to create gift lists, import recipients, and most importantly, set a budget to keep your spending in check. The app interface is very intuitive and quickly gives you access to the gifts you have bought for each person along with how much of your budget is left for each recipient.</p> <p>Another app worth downloading to help with your Christmas shopping is the free<a href="http://shopsavvy.com/"> ShopSavvy</a> (for iOS and Android). This app allows you to scan the barcode of the product you're considering purchasing and instantly find out if another store has it cheaper &mdash; or if it's available at a lower price online. If you use it consistently, it can easily save you 15%&ndash;20% off your shopping bill this year.</p> <h2>2. Social Media Is Santa's Best Friend</h2> <p>The next time you're standing in line waiting to purchase a couple Christmas gifts, pull out your smartphone and check the social media feeds of the retailer. Many are starting to proactively promote exclusive coupons and deals on Facebook, Pinterest, and Twitter. Often it will only require you to show the coupon on your phone to the cashier, which they will scan, and you'll collect the savings. Make it a healthy frugal habit whenever you're waiting at the register.</p> <h2>3. Hit Up Live Chat and Negotiate a Deal</h2> <p>While you may be able to ask a live chat operator for a coupon, are you aware that you can actually negotiate a lower price on certain items? This works best for laptops, HDTVs, and higher-end electronics. On a whim, I recently started a chat session with Dell.com and saved a quick $50 on a new laptop simply by asking if there was any wiggle room in the price. Be sure to negotiate the price before you add any coupon codes to your online order, as you're less likely to get a price reduction if the operator notices you're already getting a discount. Besides Dell, online retailers where this has been known to work include Hewlett Packard, Kohl's, JCPenney, and even Target.</p> <h2>4. Buy Gift Cards for Cheap</h2> <p>If you're planning on buying a gift card or two this year, be sure to first stop by a website like GiftCardGranny or Raise.com and purchase one for less than face value. These sites purchase unwanted gift cards from folks and then sell them back to you for a small profit. For example, you may find a $100 TJ Maxx gift card for $85, or a $50 JCPenney gift card for less than $45.</p> <p>Also, if you're a little less tech savvy, be sure to try your local Costco. Not only do they have gift cards for big-box retailers, but they also have cards for local restaurants and attractions. Be aware that you'll typically have to buy a pack of three or four gift cards to save, but the savings is usually in the 15&ndash;20% range. The larger quantity can actually come in handy when buying for teachers and friends.</p> <h2>5. Always Seek Out a Coupon Code</h2> <p>If you're not seeking out a coupon code when shopping online, you're leaving significant money on the table. Make it a smart frugal habit to do a quick Google search for &quot;[store name] coupons&quot; and you stand a great chance of finding a money-saving code you can plug in while checking out from the retailer's website.</p> <h2>6. Stack Coupons at Target</h2> <p>Target has fairly competitive pricing to begin with, but be sure to stack coupons for some incredible savings. They'll actually let you stack a manufacturer coupon, a Target store coupon, and a Cartwheel offer on a single product. The best way to make this work is to first find a manufacturer coupon at CouponMom.com or Coupons.com, then print a&nbsp;<a href="http://coupons.target.com/">Target-specific coupon</a> from their site, then download the&nbsp;<a href="http://cartwheel.target.com/">Cartwheel app</a> and use one of their offers as well. If you can stack all three when shopping in-store, you can easily save 40%&ndash;65% off individual items.</p> <p><em>What is your strategy to keep your spending in check and save money this time of year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-easy-ways-to-use-technology-to-save-on-christmas-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-spot-and-avoid-a-fake-sale">4 Ways to Spot and Avoid a Fake Sale</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon">6 Ways to Score a Last-Minute Coupon</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps coupons discounts gift buying gift cards Holidays spending Mon, 14 Dec 2015 16:00:07 +0000 Kyle James 1619709 at http://www.wisebread.com 6 Surprising Ways to Maximize Your Savings at Home Depot http://www.wisebread.com/6-surprising-ways-to-maximize-your-savings-at-home-depot <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-surprising-ways-to-maximize-your-savings-at-home-depot" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/the_home_depot_000016789311.jpg" alt="Learning surprising ways to maximize savings at home depot" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no arguing the fact that Home Depot can be a great place to save money on hardware and building supplies. And having worked at Home Depot fairly recently, I have the inside scoop on how to best take advantage of the savings opportunities. Here are a few tips to maximize your savings. (See also: <a href="http://www.wisebread.com/8-ikea-shopping-tricks">8 IKEA Shopping Tricks</a>)</p> <h2>1. Don't Ignore the Cents in the Price</h2> <p>I recently had a former Home Depot employee, who used to perform all of the price changes in his store, inform me of how their pricing system works. Use this information to determine what items are clearance price, and if they might go even cheaper.</p> <h3>Price Ending in .06</h3> <p>If you see an item with an ending price of .06, you know it's a clearance item. These price stickers will typically be printed on a yellow tag. The &quot;6&quot; means that after six weeks, if the item has not sold-out, the price will be lowered again. Look for a date printed on the price tag, as that indicates the date the tag was printed. If the date is close to six weeks ago, you know the item is about to get marked down again. If they still have plenty in stock, it's worth waiting in order to get it cheaper in the near future.</p> <h3>Price Ending in .03</h3> <p>Any price ending in .03 is a clearance item that has been marked down from .06. This means that after three weeks, the item will be removed from the store if not sold-out. Typically, when you see an item ending in .03, printed on a yellow tag, it's the rock-bottom price and your best opportunity for a deal. Again, examine the date on the price tag to determine how close the item is to being liquidated.</p> <h2>2. Negotiate the Price on Damaged Stuff</h2> <p>The Home Depot is notorious for slashing the price on any visible imperfections or damage on either the product's packaging, or the item itself. When I worked in the warehouse, we were actually given the authority to knock 15% off the price on damaged products without any managerial approval required. Use this insider information to your advantage, and look for items that have cosmetic damage. Then, ask an associate if a discount is available.</p> <p>Your chances of success increase greatly if you're polite and ask in a conversational tone. Also, if the item is the last one on the shelf, and shows even the slightest evidence of damage or wear, your success rate will increase substantially as employees want to clear it out of the store, since they know they'll have trouble selling it at full price. As a general rule of thumb, I like to start by asking for a 25% discount, knowing that I will probably settle for 15% off.</p> <h2>3. Score a Deal on Products Wrongly Stocked</h2> <p>This tip is not for everyone, but I saw it work several times during my employment at Home Depot. The average store stocks thousands of products, and every once in a while, a product is put back in the wrong spot or simply mis-stocked by the overnight crew. If you notice that a product is incorrectly stocked, and has a lower shelf price tag then it should, you can politely ask for the lower price.</p> <p>According to Consumer Reports, the store does not have to <a href="http://www.consumerreports.org/cro/shopping/december-2009/the-savvy-shopper/know-your-consumer-rights/the-savvy-shopper-consumer-rights.htm">honor the lower price</a>, but in many cases, Home Depot will give you the lower price if the price difference is not outrageous. I saw this work for a customer that found a $25 Purdy paint brush stocked with the $5 cheap brushes. The assistant manager immediately gave him the $20 discount rather than argue with the man and create a scene.</p> <h2>4. Buy &quot;Oops&quot; Paint for Cheap</h2> <p>The next time you need to paint a room, or even an entire house, always check the &quot;oops&quot; paint rack in the Home Depot paint department. You'll find it next to the paint mixing station and it's where they sell highly discounted paint that was either mistinted by the paint machine, or simply not the color the customer requested. Having worked in the paint department in my younger days, I can tell you that you'll find some amazing hidden gems. This is especially true if you're not picky about paint color and simply looking for something neutral. Examples include one-gallon cans of Behr paint for $5&ndash;$8, and five-gallon buckets of paint, which typically sell for $125, can often be had for under $50.</p> <p>A word of caution: Always ask to see the actual paint color, and never trust the color swatch on top of the can. To foil customers trying to scam the system by intentionally rejecting a color so they can come back and buy it from the &quot;oops&quot; rack, employees will sometimes add bright colors to the cans and change the color intentionally. Make sure the color you think you're getting is the actual color.</p> <h2>5. Buy Paint on a Holiday Weekend</h2> <p>Sticking with the paint theme, another insider tip I learned while working in the paint department involves the rare days of the year when paint actually goes on sale. The best days of the year to buy paint are on holiday weekends when the weather is warm. These include Memorial Day weekend, Fourth of July, and Labor Day weekend. The discount is usually a $5 rebate on one-gallon cans and a $25 rebate on five-gallon buckets. These holiday sales are typically good for both major brands of paint (Behr and Glidden) that Home Depot stocks. So, if you're thinking of doing a large painting project in the near future, it may very well be worth the money to wait, and buy, on one of these sale weekends.</p> <h2>6. Buy a Gift Card for Less Than Face Value</h2> <p>If you have a large remodel or DIY project in your future plans, you should definitely consider buying a discounted Home Depot gift card and easily save 7%&ndash;10% off your purchases. This is done by taking advantage of websites like&nbsp;<a href="http://www.giftcardgranny.com/store/home-depot/">Gift Card Granny</a> and&nbsp;<a href="https://www.raise.com/buy-home-depot-gift-cards">Raise</a>, which sell unwanted gift cards at less than face value. Typically, the higher the gift card balance, the larger the discount. For example, right now you can buy a $100 Home Depot gift card on Gift Card Granny for $90 with free delivery.</p> <p>By knowing some of the inner-workings of Home Depot, you can definitely learn to save money &mdash; money that can easily be used to make your next DIY or home remodel project a little more affordable. Whether it's knowing how they price clearance items, or how willing they might be to negotiate the price of an item, it's all information you can use to become a smarter consumer.</p> <p><em>How do you maximize your savings when shopping at Home Depot?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-surprising-ways-to-maximize-your-savings-at-home-depot">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-you-should-always-buy-at-department-stores">6 Things You Should Always Buy at Department Stores</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-genius-ways-to-save-on-cyber-monday">6 Genius Ways to Save on Cyber Monday</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping discounts gift cards Home Depot home improvement negotiating price tags sales Fri, 13 Nov 2015 09:15:50 +0000 Kyle James 1593639 at http://www.wisebread.com 30+ Cash Back Sites to Earn You Thousands Per Year http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/30-cash-back-sites-to-earn-you-thousands-per-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_cash_000058424436.jpg" alt="Woman using cash back sites to earn her thousands per year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cash back sites are an awesome way to save a significant amount of money and <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online">earn some extra cash too</a>. You save and earn money just for using their link to shop and use coupons. Some programs have additional ways to earn money by using their search engine or <a href="http://www.wisebread.com/resources/paid-surveys">taking surveys</a>. There are literally dozens of programs out there that can help you save and earn even more.</p> <p>Each one of the programs listed here is free and easy to join, has an active social media presence, and most importantly, pays as promised. So bookmark this article, take your time to review each opportunity, and take advantage of all that work for you.</p> <h2>Tips on Using Cash Back Sites</h2> <p>Cash back sites save you money by sharing the wealth. They earn a commission each time you click through to an online store from their site and make a purchase. In return for doing so, you receive a piece of that commission. The percentage can range from as little as 1% to as high as 25%, 30%, sometimes as much as 40%. The concept and process is simple, but there are a few things to keep in mind for maximum cash back savings.</p> <h3>Coupons</h3> <p>Most sites only allow you to use coupons and promo codes listed on their site. Using others may invalidate your cash back.</p> <h3>Gift Cards</h3> <p>Most programs do not allow you to receive cash back when using a gift card.</p> <h3>Don't Jump Around</h3> <p>Make sure you start your shopping through your favorite cash back site. There are cookies that track how you got to the store site and if your first visit is from somewhere other than your cash back site you may not get credit.</p> <h3>Cash Out Threshold</h3> <p>Be aware of the cash out threshold. Some programs let you cash out at as little as $1 or $5 while other program cash out points are as high as $25. A high threshold may still be worth it if the cash back rate is high and you're making a large purchase, so don't automatically disregard them.</p> <h3>Have a Few Favorites</h3> <p>Check them all out, but don't spread yourself too thin or you'll never accrue enough to cash out. Have two or three favorites and rotate among them depending on which one offers the best rate. With that said, a number of sites offer sign-up bonuses that are enticing enough to use them at least once.</p> <h3>Get the Most Savings</h3> <p>Sometimes you can save more by not using a cash back site. Have a special promotion, coupon, or gift card that will save you more? Use that instead!</p> <h2>1. Ebates</h2> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Ebates</a> is probably the most well-known of any of the cash back sites. They even have television commercials, which I haven't seen for any of their competition. Their emphasis is on customer service as one of the best features as well as offering some of highest cash back rates around. Their rates are almost always competitive and sometimes much better, but it's always worth comparing with one or two other cash back or rewards site to be sure. A low cash out threshold and $10 gift card sign-up bonus make it worth joining and trying.</p> <p><strong>Where Available:</strong> USA, CAN, CHN, KOR, RUS.</p> <p><strong>Number of Merchants:</strong> More than 1800.</p> <p><strong>Cash-Out Threshold</strong>: $5 which is sent quarterly or rolls over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal. You can also send payment to a friend of your choice.</p> <p><strong>Mobile App Available</strong>: Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 cash bonus after making $25 in qualifying purchases within 90 days.</p> <p><strong><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Sign up with Ebates and get $10 cash bonus!</a></strong></p> <h2>2. Swagbucks</h2> <p><a href="http://www.tkqlhce.com/click-2822544-10870210-1414506487000?sid=epic_cb">Swagbucks</a> is another well-known program with members earning close to a combined 100 million dollars in gift cards and cash. In addition to an extensive cash back shopping section, members can earn points called &quot;Swag Bucks&quot; by watching videos, taking surveys, playing games, and completing offers. It's the only site where members can earn $25 a month doing nothing more than using their mobile apps to watch videos.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1500.</p> <p><strong>Cash-Out Threshold:</strong> $5 for gift cards, $10 Visa e-card (no fee), or $25 for cash via PayPal (no fee).</p> <p><strong>Payment Methods:</strong> Gift card, Visa e-card, or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes &mdash; multiple.</p> <p><strong>Sign-up Bonus:</strong> $5 after earning 2,500 SB within the first 60 days of membership.</p> <p><a href="http://www.tkqlhce.com/click-2822544-10870210-1414506487000?sid=epic_cb"><strong>Sign up with Swagbucks and get $5!</strong></a></p> <h2>3. InboxDollars</h2> <p>The&nbsp;<a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289">InboxDollars rewards program</a> has been around for 15 years and has close to 1.5 million Facebook likes. Right now their cash back shopping program only has eight stores including Walmart, Kohl's, and Kmart. On the plus side, the cash back rates are competitive, and it's easy to earn extra money just for for clicking on emails they send, taking surveys, playing games, watching videos, and completing offers. They also have printable coupons and an internet search program that pays 15 cents per day just like the&nbsp;<a href="http://bing-rewards.evyy.net/c/27771/89275/2168?subId1=1079289">Bing Rewards Program</a>, which doubles to 30 cents a day after you cash out your earnings for the first time and automatically become a part of their Gold Member program. At $30, their cash out threshold is on the high side, but they offer a $5 sign-up bonus. Even if you don't do anything more than use their search and earn function, you can reach the cash out amount.</p> <p><strong>Where Available:</strong> US, UK.</p> <p><strong>Number of Merchants:</strong> Eight.</p> <p><strong>Cash-Out Threshold:</strong> $30 which will be paid within two weeks of being requested.</p> <p><strong>Payment Methods:</strong> Check, which incurs a $3 processing fee, pre-paid Visa card (currently for US only) which incurs a $3 processing fee, pre-paid Visa e-card which has no fees, InboxDollars e-card which is connected to Tango, a company that offers a least 50 different gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289"><strong>Sign up with InboxDollars and get $5!</strong></a></p> <h2>4. Ibotta</h2> <p><a href="https://ibotta.com/r/jcsgjbv">Ibotta</a> is probably the most robust and diverse of the cash back apps. They have the most cash back product ability of all of the apps included here and members have saved over 27 million dollars. In addition to getting cash back for grocery shopping, Ibotta offers cash back on apparel, electronics, wine and spirits, restaurants, home and office, travel, and entertainment. Most of the cash back opportunities are for in-store purchases, but there are some that can be redeemed online.</p> <p>In addition, Ibotta offers small rebates for staples such as bread, milk, and fresh fruit and veggies. Most items have to be purchased at approved stores, but their list is vast and the names are easily recognizable. Ibotta also offers incentives like bonus cash for redeeming a certain amount of rebates per month. Some offers can be redeemed multiple times. Ibotta also created team spirit cash back earning opportunities by encouraging members to join through Facebook, or create a team with referrals. The more everyone in the group earns, the more cash back bonuses each member gets. If you like mobile cash back apps, Ibotta is definitely one to have in your arsenal.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> More than 100.</p> <p><strong>Cash-Out Threshold:</strong> $10.</p> <p><strong>Payment Methods:</strong> PayPal, Venmo, or gift card (Amazon, Starbucks, Best Buy).</p> <p><strong>Sign-up Bonus:</strong> $1 after completing your first cash back rebate within 14 days.</p> <p><a href="https://ibotta.com/r/jcsgjbv"><strong>Sign up and start saving with Ibotta today!</strong></a></p> <h2>5. Giving Assistant</h2> <p><a href="https://givingassistant.org/?rid=dXbX10uWwP">Giving Assistant</a> refers to itself as the &quot;double cash back&quot; site because it passes along 100% of the commission to its customers. That is, there is no splitting like with the other sites. What's unique about this site, however, is its focus on giving. For every purchase that qualifies for cash back, Giving Assistant donates a meal to a family in need. They have donated more than 250,000 meals so far.</p> <p>In addition, users can elect to donate part or all of their cash back savings to one or more of the thousands of charities available to choose from on their site. I did some rate comparisons and found that Giving Assistant did often offer significantly higher (up to double) cash back rates than other sites. Their rates matched the best of those at TopCashBack, a site outlined below which also passes along its full commission. Plus they offer a referral program, a $5 sign up bonus, and a low cash out threshold which makes this program appealing.</p> <p><strong>Where Available:</strong> USA as well as other countries, although they are not specified.</p> <p><strong>Number of Merchants:</strong> More than 1,000.</p> <p><strong>Cash-Out Threshold:</strong> $5, paid weekly.</p> <p><strong>Payment Methods:</strong> U.S.- based Bank Visa/Mastercard Debit card or check, PayPal</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong>&nbsp;$5 through our sign up link. <a href="https://givingassistant.org/?rid=dXbX10uWwP"><strong>Sign up now and get $5!</strong></a></p> <h2>6. TopCashBack</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000">TopCashBack</a> passes along 100% of the commission it makes to its members. Billed as the &quot;most generous cashback site,&quot; they make money by driving traffic to the store websites and through advertisements. When looking at the &quot;latest offers&quot; section on their homepage, the cash back rates were generally higher, sometimes more than two times higher than other sites. They have something called the &quot;Highest Cash Back Guarantee,&quot; and there is no minimum needed to cash out. Bonus: Members can earn free cash back by completing surveys, free trials, or requesting free samples.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IND.</p> <p><strong>Number of Merchants:</strong> Over 3500.</p> <p><strong>Cash-Out Threshold:</strong> None. As soon as you have money in your account.</p> <p><strong>Payment Methods:</strong> Direct deposit, PayPal, Amazon gift card code.</p> <p><strong>Other:</strong> Earn additional cash back from their &quot;Free Offers&quot; section.</p> <p><strong>App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus</strong>: None at this time.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000"><strong>Sign up and start saving with TopCashBack today!</strong></a></p> <h2>7. SavingStar</h2> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758">SavingStar</a> is a hybrid site that offers both traditional cash back shopping like Ebates, and grocery shopping mobile app cash back like Ibotta. The traditional cash back shopping works exactly like the other programs with users clicking through to a retailer to make a purchase and receive a percentage of SavingStar's commission. The rebate rates are competitive and worth comparing to other sites. In some cases the rate may be better.</p> <p>The mobile app for grocery shopping works a little differently than the other ones listed here. Once joining, you will be asked to link your store loyalty cards to SavingStar. They will provide a list of stores which includes many local supermarkets as well as national chains, such as CVS and Rite Aid. From there you choose from among the offers available and they are loaded onto your cards. Before purchasing the item, scan your store card, as that information will be sent to SavingStar and that's how you will qualify for your cash back. They also offers &quot;receipt scan&quot; stores for specific retailers like Target and Walmart that don't have loyalty cards. Check their offers regularly because they have a &quot;Healthy Offer&quot; every week on items like fresh produce and occasional freebies where you are reimbursed the full purchase price.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Traditional Cash back stores</strong>: More than 500.</p> <p><strong>Number of Mobile Cash Back Offers:</strong> Varies but between 32 and 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Bank transfer, PayPal, or donate to charity.</p> <p><strong>Mobile App:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758"><strong>Sign up with SavingStar and start saving today!</strong></a></p> <h2>8. Dollar Dig</h2> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink=">Dollar Dig</a> is a newer cash back site, having launched sometime in 2013. They have thousands of stores to shop through for cash back, coupons, and featured deals. Their cash out threshold is on the high side with members needing to reach $25 before being allowed to claim it. Their cash back rates are competitive, with some good deals thrown in now and again.</p> <p><strong>Where Available</strong>: USA, CAN, and numerous other countries.</p> <p><strong>Number of Merchants:</strong> More than 3200.</p> <p><strong>Cash-Out Threshold</strong>: $25.01 which can be requested immediately and is paid monthly, usually on the first of the month.</p> <p><strong>Payment Methods:</strong> Check (U.S. and Canada only) and PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink="><strong>Sign up and save with Dollar Dig today!</strong></a></p> <h2>9. FatWallet</h2> <p><a href="http://www.fatwallet.com/?referral=kaaff">FatWallet</a> is similar to Ebates in look and in feel. In addition to receiving cash back from purchases, FatWallet offers coupons, promo codes, free shipping offers, and special bundles. Their cash out threshold is reasonable at $10, and it's awesome that you can request payment immediately instead of waiting on their schedule.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1600.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.fatwallet.com/?referral=kaaff"><strong>Sign up and start saving with FatWallet today!</strong></a></p> <h2>10. Coupon Cactus</h2> <p><a href="http://www.couponcactus.com/?ccid=170575">Coupon Cactus</a> has a mascot named Cody, and as the name suggests, the site provides coupon codes (U.S. and international) as well as cash back offers. You can explore their offers by category, popularity, free shipping, clearance, and more. They have thousands of online merchants to choose from and an easy sign-up bonus.</p> <p><strong>Where Available:</strong> USA-based, but it looks like people from any country can join as long as businesses delivers there and users are able to cash a U.S. check or receive PayPal payments.</p> <p><strong>Number of Merchants:</strong> Almost 4000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which is paid quarterly or rolls over until members reach $10.</p> <p><strong>Payment Methods</strong>: Check or PayPal.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $3 bonus for signing up and liking their Facebook page.</p> <p><a href="http://www.couponcactus.com/?ccid=170575"><strong>Sign up for Coupon Cactus and get a $3 bonus!</strong></a></p> <h2>11. BeFrugal</h2> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC">BeFrugal</a> started out as a coupon only site back in 2009 and expanded into cash back territory in 2011. In addition to offering cash back, coupons, freebies, and sweepstakes, they are one of the few sites to offer a &quot;Coupon Guarantee&quot; and &quot;Guaranteed Savings.&quot; They guarantee that a coupon on their site will work or you'll receive a $5 bonus. In addition, they guarantee to have the best cash back rate or they'll match the rate at 125%. That's cool, but their cash out threshold is on the high side at $25. Still, if you're going to make a large online purchase it could be worth a go as they offer $5 sign-up bonus.</p> <p><strong>Where Available</strong>: USA, UK. In addition, people from more than 100 counties can join and earn as long as they have a PayPal account.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $25, which is sent on the 15th of the month your funds are available. For example, if you reached $25 on the 17th of this month, you could request your money that day and it would be sent out on the 15th of next month.</p> <p><strong>Payment Methods:</strong> Check, PayPal, or gift card. Users outside of the U.S. will be paid via PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC"><strong>Sign up with BeFrugal and get a $5 bonus!</strong></a></p> <h2>12. MyPoints</h2> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB">MyPoints</a> has been in business for almost 20 years. Members earn points, which can be exchanged for gift cards or cash. These points are earned by making purchases through the MyPoints cash back portal, or participating in one of their other activities &mdash; surveys, games, searching the internet, reading email, watching videos, and printing and using coupons.</p> <p>This rewards/cash back program has a couple of aspects that could potentially make it less desirable than other sites. First, the cash back rates. I compared MyPoints with other sites and looked at 10 merchants. In eight instances, the cash back rate was about half a percent lower, and in two cases it was about half a percent higher. Second, members who use the site earn points. Many sites do this and it's not a bad thing as long as points are equivalent to currency (i.e. one point = one penny, so 100 points = $1). In the case of MyPoints, the value of the points varies, and all are worth less than a penny each. For instance, a $10 Applebee's gift card is 1650 points, the equivalent of $16.50 if each point were worth a penny. Still, with a $10 gift card bonus for signing up and making a cash back purchase of $20, it's worth a shot just for that.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1900.</p> <p><strong>Cash-Out Threshold:</strong> $10 gift card or $25 PayPal.</p> <p><strong>Payment Methods:</strong> Gift card or PayPal when enough points have been accrued.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 gift card when a purchase of $20 or more is made through their cash back shopping portal.</p> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB"><strong>Try MyPoints and get a $10 gift card!</strong></a></p> <h2>13. Upromise</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More">Upromise</a> is a cash back site whose mission is to help people save for college (for themselves or someone else). It's not, however, like a <a href="http://www.wisebread.com/5-creative-uses-for-a-529-plan">529 Plan</a>, which is designed to help families save money for college through interest bearing accounts. Nor does it have tax benefits like a 529 Plan. In fact, the money saved with Upromise does not have to be used for educational purposes at all and can be withdrawn at any time as long as the minimum cash out balance is met.</p> <p>Like its competitors, Upromise offers cash back for online shopping. In addition, users can earn cash back when they register their credit card and dine out, book travel through their website, or acquire a Upromise branded credit card. Users also have access to grocery and drugstore e-coupons when they register their loyalty cards with the site.</p> <p><strong>Where Available</strong>: USA.</p> <p><strong>Number of Merchants:</strong> More than 850, plus more than 8,000 restaurants.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately online. For security purposes, amounts of $1000 or greater must be accompanied by a notarized form which can be printed from their website.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More"><strong>Click here to start saving for college with Upromise!</strong></a></p> <h2>14. Panda Cash Back</h2> <p>This Better Business Bureau A+ rated cash back program is another one that allows people from dozens of countries to join and save money.<a href="http://www.pandacashback.com/?ref=4710"> Panda Cash Back</a> offers double cash back deals and local daily deals. Their cash out threshold is a tad on the high side, but your money is automatically sent 24 hours after it is requested. It has a $5 sign-up bonus.</p> <p><strong>Where Available:</strong> USA and more than 100 other countries.</p> <p><strong>Number of Merchants:</strong> More than 3000.</p> <p><strong>Cash-Out Threshold:</strong> $15, which once attained will be sent out automatically the next day.</p> <p><strong>Payment Methods:</strong> PayPal. Note that the first payment for U.S. and Canadian residents will be via check. Anyone residing outside of these two countries will be contacted by Panda Cash Back asking for information to verify identity.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus: </strong>$5.</p> <p><strong>Referral Program:</strong> 25% of each referral's rebate for life.</p> <p><strong><a href="http://www.pandacashback.com/?ref=4710">Sign up with Panda Cash Back and get $5!</a></strong></p> <h2>15. Hoopla Doopla</h2> <p>This cash back site with the funny sounding name (which apparently has the same name as a television show in Australia) has been in business since 2009. <a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759">Hoopla Doopla</a> gives back more than half of the commission they receive to their members. In addition to cash back they offer exclusive coupons and daily deals, as well as fundraise for cancer research. Their low cash out threshold and competitive cash back rates makes it an attractive option to try.</p> <p><strong>Where Available:</strong> USA. Also, while the site says that anyone with internet access, an email address, and a PayPal account is eligible to join, the cash back retailers appear to be U.S.-centric.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold</strong>: $5 for PayPal or $10 for check, paid quarterly or rolled over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759"><strong>Click here to start saving with Hoopla Doopla!</strong></a></p> <h2>16. Mr. Rebates</h2> <p><a href="http://www.mrrebates.com?refid=913170">Mr. Rebates</a> is an established cash back site that has been in business for more than a dozen years. They offer cash back rates up to 30%, and deals such as free shipping. With a reasonable cash out threshold, a sign-up bonus that is available after your first purchase, the ability to request payment immediately, and an enticing referral program, it's worth an add to your list of sites to try.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No app, but they have a mobile site.</p> <p><strong>Sign-up Bonus:</strong> $5 sign-up bonus available after your first purchase.</p> <p><strong>Referral Program:</strong> Members earn 20% of each referral's cash back for life.</p> <p><a href="http://www.mrrebates.com?refid=913170"><strong>Sign up for Mr. Rebates and get your $5 bonus!</strong></a></p> <h2>17. CashCrate</h2> <p><a href="http://www.cashcrate.com/1168012">CashCrate</a> launched in 2006 and has paid out close to four million dollars to its members who earn cash by completing offers (many free), taking surveys, completing CrowdFlower tasks, watching videos, and shopping through their cash back store. Their shopping (cash back) section is newish and small right now with only 62 stores like Walmart, Macy's, and Lowe's. However, their rebate rate is competitive with other cash back programs.</p> <p>One unique aspect of Cash Crate's earning program is that members can earn two ways. One section is devoted to earning cash, and the other to earning gift cards (think Starbucks, Amazon, Visa, and more). Just decide what you're interested in earning and complete the tasks in that section.</p> <p><strong>Where Available:</strong> All countries are eligible although the U.S. and other English speaking countries will have the greatest number of offers.</p> <p><strong>Number of Merchants:</strong> 62 and growing.</p> <p><strong>Cash-Out Threshold:</strong> $20 in the cash earning section, which is redeemable immediately. Gift cards can be redeemed immediately upon earning enough points in the prizes section of the site.</p> <p><strong>Payment Methods:</strong> Check. PayPal is an option once members have lifetime earnings of $500.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $1. In addition, members earn monthly bonuses for meeting an optional daily goal.</p> <p><a href="http://www.cashcrate.com/1168012"><strong>Sign up with CashCrate and start earning today!</strong></a></p> <h2>18. MainStreetShares</h2> <p>This cash back program offers an interesting proposition and incentive to join and use their site because members are shareholders. At<a href="http://mss.me/kabigcrumbs"> MainStreetShares</a> not only do members earn a percentage of the site's sales commission when making purchases from stores everyone knows and loves, they earn a portion of the advertising revenue as well in the form of shares called &quot;MsShares.&quot; From their site:</p> <p>&quot;&hellip;A large share of member shopping commissions is placed in a pool each month. We also add a share of other company revenue, such as advertising to this pool. At the end of the month, you are paid a percentage of the pool based on your percentage of total member spending for the month.&quot;</p> <p>Why do they do this? To attract users, of course. However, their larger goal is for someone to acquire the company, at which time members receive a portion of the sales price based on the number of MsShares they own. Until then, with competitive rates and a one dollar cash out threshold (though there is a 2% PayPal transaction fee), MainStreetShares is worth a look.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1100.</p> <p><strong>Cash-Out Threshold:</strong> Paid monthly. Minimum $1 required.</p> <p><strong>Payment Methods:</strong> PayPal. There is a 2% processing fee up to one dollar charged. The fee is from PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> Members who earn MsShares &quot;will be entitled to a specially reserved additional 10% share of acquisition proceeds.&quot;</p> <p><a href="http://mss.me/kabigcrumbs"><strong>Click here to learn more about MainStreetShares!</strong></a></p> <h2>19. Cashback House</h2> <p><a href="http://www.cashbackhouse.com/">Cashback House</a> has a simple and straightforward looking site. It doesn't have the bells, whistles, and flash of many cash back sites, but it offers the basics like rebates for purchases, handpicked deals, and coupons. At $10.01 their cash back threshold isn't outrageously high and you can earn a little extra by sharing how much you've saved on Facebook.</p> <p><strong>Where Available:</strong> USA, CAN, UK.</p> <p><strong>Number of Merchants:</strong> More than 1000.</p> <p><strong>Cash-Out Threshold:</strong> $10.01 which is processed weekly once a request has been made.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No. However, if you share how much you have saved on Facebook you will earn a $1 credit.</p> <h2>20. ExtraBux</h2> <p>Similar to the other cash back sites,&nbsp;<a href="http://www.extrabux.com/">Extrabux</a> is one of several sites that is available to people worldwide. Offering cash back ranging from 1-30%, Extrabux also offers coupon codes, promo codes, and comparison shopping. They have an attractive sign-up bonus and reasonable cash out threshold.</p> <p><strong>Where Available:</strong> Everywhere. Extrabux states that people from any country can join and earn cash back. Checks will only be mailed to those with a U.S. mailing address. However, people living outside of the U.S. can receive their cash back via PayPal.</p> <p><strong>Number of Merchants:</strong> 2500.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes, specifically for Black Friday.</p> <p><strong>Sign-up Bonus:</strong> $8.</p> <h2>21. Gyft</h2> <p><a href="https://www.gyft.com/">Gyft</a> is different from the other traditional cash back sites because their sole focus is selling gift cards. Most cash back sites do not allow, or strictly limit, the eligibility of cash rebates when purchasing gift cards or using them to pay for products. At Gyft, when you purchase gift cards, you earn points which can then be used for discounts on future gift card purchases.</p> <p>Better yet, for a limited time they'll give you a $5 gift card of your choice (in the form of a promotional code) to be used towards a gift card purchase of at least $15, on the spot just for signing up. In other words, you can get a $15 Amazon gift card (or Starbucks, Target, Walmart, Home Depot, whichever of the more than 200 you choose) for $10 just for trying them out. You can even store your gift card in your mobile wallet so you have it on the go and never forget it. Even if you never buy a gift card through them again, the immediate bonus is sweet. (Note that your free gift card bonus expires 24 hours after you sign up so use it right away.)</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Merchants:</strong> More 200.</p> <p><strong>Cash-Out Threshold:</strong> 100 points &mdash; to be used as a discount on future gift card purchases.</p> <p><strong>Payment Methods: </strong>You can pay for your gift cards with Google Pay, PayPal, Bitcoins, or credit/debit card.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus: </strong>$5 gift card of choice to be used on a gift card valued at $15 or more.</p> <h2>22. Paribus</h2> <p><a href="https://paribus.co/">Paribus</a> is a new endeavor unlike the other cash back sites listed here. It's a price adjustment cash back program, not a rebate program. Basically, they will search for a better price on any product that you have purchased online and get the difference back for you. Their business is hunting price reductions for you, filing a claim on your behalf and getting you a refund for the difference.</p> <p>Paribus works with stores like Target, Walmart, Amazon, Banana Republic, Macy's, Best Buy, and others that have price matching and adjustment policies. Currently only online purchases are eligible. How it works is that you sign up with the email address that you use for online shopping and they scan the receipts of your online purchases.</p> <p>The email scanning sounds creepy, right? They never have access to, or know your passwords.&nbsp;<a href="https://paribus.co/faq">Review their security measures</a> to learn exactly what they do. Is it worth it? To the extent that you may get money back for doing nothing, yeah. Is there a catch? Signing up is free, but when they get a refund for you they will take a 25% cut. Still, not a bad deal for something you may not have otherwise known about.</p> <p><strong>Where Available: </strong>USA.</p> <p><strong>Payment Methods</strong>: PayPal or Venmo.</p> <h2>23. Retail Cashback</h2> <p>Another newer program,&nbsp;<a href="http://retailcashback.com/">Retail Cashback</a> started in 2013. It offers the expected complement of cash back stores, coupons, and featured deals. When comparing the rates of six retailers available on their site with three competitor sites, I found Retail Cashback to generally have rates that were the same as or slightly lower than those competitors. They do not offer a sign-up bonus and their cash out threshold is on the high side, but you can request your money immediately when it's reached.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $20 which can be requested immediately. Cash outs allowed once every 30 days.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-Up Bonus:</strong> No. However, their site states that regular members will sometimes get &quot;additional bonuses.&quot;</p> <h2>24. Simply Best Coupons</h2> <p>The&nbsp;<a href="https://www.simplybestcoupons.com/">Simply Best Coupons</a> website feels almost soothing compared to some of the others with colorful carnival colors. It must be the mellow sky blue background making everything softer. They offer thousands of cashbook stores, grocery, and printable coupons, as well as a couple of unique payout methods, including Western Union. Their cash out threshold is on the high side but they have a decent sign up bonus.</p> <p><strong>Where Available:</strong> USA and internationally. They have cash back stores for USA, AUS, CAN, IND, IRL, NZ, POL, UK, and RUS. Anyone can join and earn cash back if retailers ship to their country.</p> <p><strong>Number of Merchants: </strong>1000s per their site.</p> <p><strong>Cash-Out Threshold:</strong> $20 for checks and Western Union. $15 for PayPal and Amazon gift certificates.</p> <p><strong>Payment Methods:</strong> Check, Western Union, PayPal, and Amazon gift card. When the cash out threshold is met by the 15th of the month, payment is sent at the end of the month.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $5 available after first purchase.</p> <h2>25. GiftHulk</h2> <p>Started in 2011,&nbsp;<a href="http://www.gifthulk.com/">GiftHulk</a> is six million members strong. In addition to the typical ways to earn (watching videos, completing surveys, searching the internet, etc.), GiftHulk has a cash back shopping section with about 140 well known stores. Their cash back rate is competitive, but be sure not to be fooled by their currency which they call &quot;Hulk Coins.&quot; On GiftHulk, 1000 Hulk Coins equals $1. So when you see GiftHulk offering 40 Hulk Coins per dollar in the cash back shopping section, the rate to compare is 4% (40/1000). GiftHulk has a low cash out threshold which makes it attractive.</p> <p><strong>Where Available:</strong> USA, CAN, UK, AUS, DEU, FR, NZL.</p> <p><strong>Number of Merchants:</strong> About 140.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash and many gift cards.</p> <p><strong>Payment Methods:</strong> PayPal or gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> Not as of this writing. However, members earn bonuses for meeting an optional daily goal.</p> <h2>26. InstaGC</h2> <p><a href="http://www.instagc.com/">InstaGC</a>, which stands for Instant Gift Cards, has been in business since 2011. This rewards program has some ardent fans so it might be worth checking out even if you use other sites for your cash back shopping. Their shopping section includes about 70 stores with rates that are competitive. Ways to earn include listening to music, taking surveys, CrowdFlower, and the other usual suspects. The site layout is a little bland, but it's functional, and most importantly, pays.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, UK.</p> <p><strong>Number of Merchants:</strong> About 70.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash or as little as $1 for gift cards.</p> <p><strong>Payment Methods:</strong> Check which incurs a 25 cent fee, or direct deposit which incurs a 15 cent fee. You may also redeem for one of 260 gift cards which have no fee starting at $1.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> A lofty 10 cents.</p> <h2>27. Sunshine Rewards</h2> <p>As their site states, &quot;<a href="http://www.sunshinerewards.com/">Sunshine Rewards</a> is a loyalty program dedicated to paying you back for taking surveys, visiting websites, and shopping on the internet. Get coupons, promo codes, discounts, free shipping, and cash back shopping.&quot; Members get cash back and earnings in the form of credits, where one credit equals one dollar. Their cash back shopping rates are competitive, with some being higher or lower than other sites at different times. The cash out threshold is on the high side at $20, but if you participate in the reward activities regularly it should not take long to reach it.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants: </strong>Close to 1000.</p> <p><strong>Cash-Out Threshold:</strong> $20 and being a member for at least 45 days. Cash outs are limited to $500 a month.</p> <p><strong>Payment Methods:</strong> PayPal, Amazon gift certificate, or Disney gift card.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $2 sign up bonus.</p> <h2>Mobile Grocery Shopping Apps</h2> <p>What's better than using coupons for grocery shopping? Cash back mobile apps, that's what! Why? With these mobile apps, no coupons are needed, so there's no hunting or clipping. But, if you like coupons, you can combine them with cash back apps to increase your savings (and sometimes even get stuff for free). Plus, unlike traditional cash back programs, you can use gift cards to pay for items and still receive your rebate. Cool, huh?</p> <p>Here's how it works. Sign up online using a computer/tablet or going straight to the app. Download the app to your mobile device, review the cash rebates available, purchase the products you want, scan the product barcode, and/or upload the receipt to the site. Once your receipt is approved (typically within 24 to 48 hours), you get your rebate. Once you meet the cash out threshold, withdraw your money. That's it!</p> <p>Cool features include some apps offering cash back on products you rarely find coupons for like fresh fruit, veggies, bread, and dairy. And unlike traditional cash back sites there are no rates to compare. Best of all, because it's so little effort it's worth downloading all of them.</p> <h2>28. Shopmium</h2> <p><a href="http://www.shopmium.com/us/">Shopmium</a> has cool features like the ability to purchase items at any store that provides an itemized receipt, and immediate pay out, no matter the amount, after it's approved. It is very easy to join, requiring only an email address to get started. Members can choose to receive payment through PayPal or direct bank transfer. Even if you use it the app only occasionally, the fact that you can cash out immediately makes it worth using.</p> <p><strong>Where Available:</strong> USA, Canada.</p> <p><strong>Number of Products:</strong> About 15.</p> <p><strong>Cash-Out Threshold:</strong> No minimum. As soon as receipt is accepted you're paid.</p> <p><strong>Payment Methods:</strong> PayPal or bank transfer.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> 50 cents after completing welcome activity.</p> <h2>29. BerryCart</h2> <p><a href="http://www.berrycart.com/">BerryCart</a> is the mobile cash back site for people who like organic, gluten free, non-GMO, and natural foods. If you regularly eat organic, natural foods you will probably recognize many of the brands offering cash back. With the increasing popularity of eating whole foods, you won't be limited to just being able to find the products listed within BerryCart at expensive stores like Whole Foods. In fact, while their list of cash back items hover around 50, users can purchase the products at any store that carries them as long as the receipt is itemized and includes the price.</p> <p>BerryCart also offers subscription boxes where cash back rebates are available for every item in the box. Keep an eye for sales and coupons to combine with your BerryCart rebates to make pricey organic foods much more affordable.</p> <p><strong>Where Available:</strong> Site does not specify, though the stores are all U.S- based. However, some items can be purchased through Amazon, which is international.</p> <p><strong>Number of Products:</strong> About 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <h2>30. Checkout 51</h2> <p><a href="https://www.checkout51.com/">Checkout51</a> offers a variety of grocery cash back rebates ranging from a &quot;pick your own&quot; offer for fruits and vegetables, to specific food and beverage brands. Some products are well known, others are up and coming. Some are organic and/or gluten free. Some offers may be redeemed multiple times. Checkout51 offers are available for a week, and then they expire and are replaced by new ones. Many times, however, you'll see popular products remain for a few weeks.</p> <p>One neat opportunity is the ability to join their &quot;brand program, &quot;which means you'll receive extra offers for products within a specific brand. To participate in their brand program, members simply select the &quot;join&quot; button that pops up on the product cash back list.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 25&ndash;30, some may be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not currently, though users do earn something for completing their profile.</p> <h2>31. Receipt Hog</h2> <p><a href="http://receipthog.com/">Receipt Hog</a> is interesting because it's a cash back mobile app that pays you even though you don't have to redeem any rebates through them. At Receipt Hog, you earn points by uploading pictures of receipts from just about any retailer. When you upload receipts from grocery stores, club stores, health and beauty retailers, pet stores, convenience stores, dollar stores, and more, members receive points according to the amount spent (i.e. earn five points when the total is less than $10).</p> <p>When receipts are uploaded from retailers that don't sell grocery items (think Staples or Macy's), members earn chances to spin their virtual slot machine where winners receive bonus points or $100. Receipt Hog also offers monthly challenges, like uploading receipts every week of the month for extra points. It sounds silly but it does pay.</p> <p>Why would they pay you? They're a market research company that has discovered an innovative way to collect data about consumer spending for the brands and retailers that enlist their services. Those retailers pay Receipt Hog and Receipt Hog pays its members. How much? The more points you earn before cashing out, the greater the value. For instance, 1000 points will get you $5 in cash or an Amazon gift card, while 1800 points will get you $10 cash or a $10 Amazon gift card. Most people who use the system regularly can probably easily earn $25&ndash;$50 a year. Not a lot, but it's not bad given you're not buying anything extra. Think of it more as an entertainment app that pays you for your shopping receipts.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> Just about everything qualifies.</p> <p><strong>Cash-Out Threshold:</strong> $5 (or 1000 points).</p> <p><strong>Payment Methods:</strong> PayPal or Amazon gift card.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive points for completing your profile.</p> <h2>32. Shrink</h2> <p><a href="http://www.shrinktheapp.com/">Shrink</a> is similar to BerryCart in that they specialize in all natural, organic food. Like a few of the sites listed here they also offer small cash back amounts on fresh food, even fresh seafood! Their unique twist is helping brands create customer loyalty. They do this by offering cash back rebates to try new and up and coming products like snacks, beverages, and frozen foods. If you like the product, become a &quot;brand ambassador&quot; by unlocking additional coupons. Continue to buy the product and be rewarded with points that can be turned into cash. Products can be purchased at any store that provides itemized receipts. Shrink is the only mobile app included here where you're unable to join from a computer or tablet. You must download their app to join.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> About 60.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> PayPal.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive $1 for completing your profile.</p> <h2>33. Snap by Groupon</h2> <p>Who knew <a href="http://www.kqzyfj.com/click-2822544-10828386-1399573918000?sid=epic_CB">Groupon</a> had a cash back mobile app? This program is owned by Groupon, but is a separate entity. Even if you already use Groupon, you'll need to set up a separate account to use Snap.</p> <p><a href="https://snap.groupon.com/">Snap</a> has a bit of a twist as offers need to be &quot;snapped up&quot; before they are gone. You'll see warnings next to items when the number of rebates available for specific products is running low as well as a &quot;GONE&quot; sign when they are&hellip; well, gone. Snap offers an assortment of products from food and beverages, organic options, magazines, and personal care products. Many products can be redeemed more than once and can be purchased from any store that provides an itemized receipt. They also offer bonus activities, like three times the cash back when purchasing certain items, and they have a $100 giveaway for posting pictures of payment on their Facebook page.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 40, many can be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <p><em>Whew! That's an extensive list with lots of saving and earning options. How many are you likely to try? Let me know in the comments. </em></p> <p><style type="text/css">[href^="https://www.share-online.biz/affiliate/"] {display:none !important;}</style></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-buy-on-groupon-or-livingsocial">5 Things You Should Never Buy on Groupon or LivingSocial</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping apps cash back deals gift cards groceries online shopping rewards sites Mon, 24 Aug 2015 09:00:14 +0000 Kim Owens 1533240 at http://www.wisebread.com 4 Ways to Get the Most Out of Gift Cards http://www.wisebread.com/4-ways-to-get-the-most-out-of-gift-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-to-get-the-most-out-of-gift-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gift_card_shopping_cart_000022257770.jpg" alt="Finding ways to maximize gift cards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Unless you know exactly what a person wants, shopping for a gift can be a real pain in the butt. But a gift card is quick and convenient &mdash; and since the recipient can pick and choose the right gift, it removes any guesswork on your part.</p> <p>Whether you're the recipient or the giver, it only makes sense to get the most out of a card, however. Using a gift card isn't rocket science, but here's a look at four ways to maximize the funds.</p> <h2>1. Combine Gift Cards With a Store Sale</h2> <p>I'm a big believer in never paying full price, so just because you have a gift card in your wallet doesn't mean you should spend it without considering potential savings. Many retailers begin marking down prices two or three weeks after an item hits the floor, so a little patience pays off. Since a gift card isn't a discount or coupon, a lot of retailers let you combine these cards with a storewide sale. Combine the gift card with a &quot;buy one, get one free&quot; sale or a &quot;buy one, get one 50% off&quot; sale, and you'll get more than the face value of the gift card. And always, always look for coupon codes before checking out online and in-store; you might save even more.</p> <h2>2. Re-Gift Smartly</h2> <p>Even if you're a fan of gift cards, you've probably received a card to a retail store you didn't particularly care for. If you know you're not going to use the card, it makes sense to re-gift the card so you don't waste the giver's money. Just know that if you give an unwanted gift card to a friend, there's a possibility that he'll re-gift the card to another friend and so forth. The gift card might pass through several hands before someone uses it.</p> <p>It's a completely different scenario if you know a friend will use the gift card. But if you're not sure, you're better off selling the card for cash using websites like <a href="http://www.giftcardgranny.com/">Gift Card Granny</a> or <a href="http://www.cardpool.com/">Card Pool</a>. You'll put cash in your pocket &mdash; which might be the gift you preferred in the first place &mdash; and the buyer gets a gift card he actually wants.</p> <h2>3. Register Your Gift Card</h2> <p>I've received tons of gift cards over the years, but I've never registered one. Luckily, I've never lost or had a <a href="http://www.wisebread.com/6-ways-to-protect-yourself-from-a-lost-gift-card">gift card stolen</a>. But if you have, you know the frustration of missing out on freebies and digital cash. Registering your gift card protects the balance in the event the card falls in the wrong hands.</p> <p>Just head over to the retailer's website and provide basic information like your name and the gift card number. If the card's ever lost or stolen, the retail issues a new one after verifying you're the owner. Registering the card also provides an easier way to track your balance.</p> <h2>4. Go Digital</h2> <p>Gift cards are the same size as credit cards, so they fit easily in wallets. But with everything else going on in your wallet (identification, bank cards, credit cards, insurance cards, etc.) adding gift cards to the mix can make your wallet bulky and heavy. Going digital might be the solution, especially if you never leave home without your smartphone.</p> <p>There are apps to store and manage all your gift cards in one place, such as <a href="https://www.gyft.com/">Gyft</a>, <a href="https://www.gowallet.com/">GoWallet</a>, and <a href="https://support.apple.com/en-us/HT204003">Passbook</a>. Not only should you consider digital cards for yourself, but also when shopping for others. Physical gift cards still rule, true, but a recent gift card study found that 14% of Millennials are more apt to go digital. Digital cards might be a new concept for some, but the convenience is undeniable. Pull up the gift card on the app, let the cashier scan the barcode, and you're done. There's no need to shuffle through your wallet, and you don't have to keep up with a bunch of cards.</p> <p><em>Do you have more ways on how to maximize gift cards? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/4-ways-to-get-the-most-out-of-gift-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-unique-gift-ideas-for-women">47 Unique Gift Ideas for Women</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-gifts-everybody-gets-but-nobody-wants">10 Gifts Everybody Gets, But Nobody Wants</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-easy-ways-to-use-technology-to-save-on-christmas-shopping">6 Easy Ways to Use Technology to Save on Christmas Shopping</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping gift cards gift-giving Holidays presents Fri, 07 Aug 2015 12:00:22 +0000 Mikey Rox 1511548 at http://www.wisebread.com 6 Ways to Protect Yourself From a Lost Gift Card http://www.wisebread.com/6-ways-to-protect-yourself-from-a-lost-gift-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-protect-yourself-from-a-lost-gift-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_000021000133.jpg" alt="Woman shopping with gift card and trying not to lose it" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Just last week, I was at Chipotle frantically digging through my wallet looking for my gift card. I knew it was somewhere in my pile of plastic, but couldn't find it for the life of me. In the end, my &quot;free&quot; burrito ended up costing me cash, as my gift card was permanently misplaced.</p> <p>Stores and restaurants absolutely love gift cards because of unorganized people like me. But with a few simple steps, you can easily protect those <a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">valuable gift card balances</a> in the event you lose or misplace one.</p> <h2>1. Stash Your Activation Receipt</h2> <p>This is clearly the most obvious, yet overlooked, step to protect yourself. It's often overlooked because the gift card giver doesn't always include the receipt with the card. But if they do, or if you bought the gift card yourself, then by all means stash the receipt someplace safe. In the event you lose the card, you can simply call the retailer or restaurant customer service line and they can access your account balance via the activation receipt. They'll then easily re-issue you a new card.</p> <h2>2. Write Down Gift Card Numbers</h2> <p>If you don't have a receipt, then you can just put pen to paper and copy down the gift card numbers for safe keeping. While this can seem a tedious exercise for a measly $5 Starbucks gift card, you'll be glad you did if you lose a $100 Best Buy card.</p> <h2>3. Get Tech Savvy With a Virtual Wallett</h2> <p>Perhaps the most convenient and fool-proof way of protecting your gift card balances is using a virtual wallet like Google Wallet. You simply download the app to your smartphone (Android or iPhone), enter the card number, balance, snap a picture of the card (front and back) and the app takes care of the rest. You simply present the app when checking out, the cashier scans the corresponding barcode on your phone, and your balance is automatically reduced.</p> <h2>4. Not That Tech Savvy? Just Snap a Pic</h2> <p>If you're just not tech savvy and the idea of adding a gift card to a virtual wallet gives you a headache, I have an easy solution for you. Just use your smartphone or camera to snap a picture of the gift card numbers when you get the card. This is an easy way to access your gift card if you end up losing it.</p> <h2>5. Trace Your Footsteps</h2> <p>If you failed to keep the receipt and/or the gift card number was never recorded, but you used the lost gift card at least once online, you may still have recourse. Your card information may have been recorded when shopping online from the retailer's website. Whether or not your gift card info was saved varies by retailer, but when you are desperate to recapture your account balance, it's worth a shot.</p> <h2>6. Register Your Card With the Retailer</h2> <p>Many retailers and restaurants allow you to actually register your card with them online. Some of the more popular include Crate &amp; Barrel, Starbucks, and Tully's Coffee. By doing so, you get balance protection and a quick replacement card in the event you lose yours. Also, you can often use your gift card for rewards and earn free treats and reward points. The Starbucks gift card is famous for this.</p> <h2>Bottom Line: Treat a Gift Card Like Cash</h2> <p>By treating gift cards like cash (which they essentially are), you'll be more proactive when it comes to protecting their balances. By doing just a little bit of work to protect yourself, you'll never be stuck buying a burrito again after you were sure it would be free. Or is that just my story?</p> <p><em>Have you ever lost a gift card or taken steps to prevent it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-ways-to-protect-yourself-from-a-lost-gift-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-save-money-on-clothing">50 Ways to Update Your Wardrobe for Cheap</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-can-you-do-with-unwanted-gift-cards">What Can You Do With Unwanted Gift Cards?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-that-thing-really-change-your-life">Will That Thing Really Change Your Life?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips gift cards receipts shopping virtual wallets Thu, 09 Apr 2015 17:00:07 +0000 Kyle James 1376607 at http://www.wisebread.com Take Our Reader Survey for a Chance to Win One of Five Amazon Gift Cards! http://www.wisebread.com/take-our-reader-survey-for-a-chance-to-win-one-of-five-amazon-gift-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/take-our-reader-survey-for-a-chance-to-win-one-of-five-amazon-gift-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/survey-465057533-small.jpg" alt="survey" title="survey" class="imagecache imagecache-250w" width="250" height="139" /></a> </div> </div> </div> <p>Here at Wise Bread, we try to provide insanely helpful and interesting content that improves your finances (and the rest of your life, too). We want to make our site even more awesome &mdash; but we need your help! Please take a few moments to fill out this brief survey so we can get to know you a little better, find out what you like about the site, and learn where we can improve.</p> <h3>Win Your Share of $400 in Amazon Gift Cards!</h3> <p>When you fill out the survey, you'll be entered to win one of five Amazon gift cards! Each week during July, we will give away the following prizes:</p> <ul> <li>Week 1 Prize: $50 Amazon Gift Card</li> <li>Week 2 Prize: $50 Amazon Gift Card</li> <li>Week 3 Prize: $50 Amazon Gift Card</li> <li>Week 4 Prize: $50 Amazon Gift Card</li> <li>Week 5 Grand Prize: $200 Amazon Gift Card</li> </ul> <p>We will randomly select winners using <a href="http://www.random.org/">Random.org</a>, so be sure to include your email address so we can enter you into our drawing and notify you of your prize if you win!</p> <p><a href="https://docs.google.com/a/killeraces.com/forms/d/1AV4LLEv7I4hA-XYM2JxScFbHQSxpAGfjnl86WQkxr1o/viewform"> <iframe width="760" height="500" frameborder="0" src="https://docs.google.com/a/killeraces.com/forms/d/1AV4LLEv7I4hA-XYM2JxScFbHQSxpAGfjnl86WQkxr1o/viewform?embedded=true" marginheight="0" marginwidth="0">Loading...</iframe></a></p> <p>If you have trouble with the embedded survey, please <a href="https://docs.google.com/a/killeraces.com/forms/d/1AV4LLEv7I4hA-XYM2JxScFbHQSxpAGfjnl86WQkxr1o/viewform">click here to take the survey in a seperate window</a>.</p> <h3>Terms and Conditions</h3> <ul> <li>Contest will run from June 25th, 2014 at 12:00 am PST through July 31st, 2014 at 12:00 am PST.<br /> &nbsp;</li> <li>Winners will be announced after July 31st on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>NO PURCHASE NECESSARY VOID WHERE PROHIBITED.<br /> &nbsp;</li> <li>Open only to permanent legal U.S. residents 18 years or older physically residing in the fifty (50) United States of America and the District of Columbia, excluding the state of Rhode Island.<br /> &nbsp;</li> <li>Prizes are delivered by Wise Bread. Wise Bread is the host and administrator of this contest.<br /> &nbsp;</li> <li>Additional terms and conditions apply. <a href="http://www.wisebread.com/wisebread-official-contest-rules">Click here for more details</a>.</li> </ul> <p>Good luck!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/meg-favreau">Meg Favreau</a> of <a href="http://www.wisebread.com/take-our-reader-survey-for-a-chance-to-win-one-of-five-amazon-gift-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-to-clip-or-not-to-clip-a-chance-to-win-10">Ask The Readers: To Clip or Not to Clip? (A Chance to Win $10!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/enter-to-win-over-1000-in-hedgeable-s-holiday-giveaway">Enter to Win Over $1,000 in Hedgeable’s Holiday Giveaway!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-google-way-a-book-review-and-a-chance-to-win">The Google Way: A Book Review (And a Chance to Win!)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beautify-your-yard-whats-your-best-advice">Beautify Your Yard: What&#039;s Your Best Advice?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-budgets-are-they-hot-or-not-your-chance-to-win-10">Ask the Readers: Budgets - Are They &quot;Hot&quot; or Not? (Your Chance to Win $10!)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways gift cards giveaway reader survey Wed, 30 Jul 2014 18:28:45 +0000 Meg Favreau 1149169 at http://www.wisebread.com How to Turn Unwanted Gift Cards Into Cash http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-turn-unwanted-gift-cards-into-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/card-457778771.jpg" alt="gift card" title="gift card" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Got gift cards to stores or restaurants you'd never dream of patronizing? Wouldn't it be great if you could turn them into cash? Well, it turns out that there are several ways to do exactly that. (See also: <a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards?ref=seealso">How to Use Up Small Balances on Gift Cards</a>)</p> <p>Expect to get anywhere from half to about 90% of the card's face value or remaining balance. Not surprisingly, gift cards from retailers with a wide range of merchandise, like Walmart, or for a product that almost everyone buys, like gas, have the best resale values. Lesser-known, specialist retailers and regional stores sell for steeper discounts, sometimes up to 50%.</p> <p>Here are ways to cash out your gift cards</p> <h2>Websites That Buy Your Gift Cards</h2> <p>Many websites are willing to buy your gift cards. To find the highest bidder, first visit <a href="http://www.giftcardgranny.com/">Gift Card Granny</a>. Go to &quot;Sell Gift Cards,&quot; click on the retailer on the drop-down menu, then click on the company offering the best price.</p> <p>Some companies may offer you Amazon gift cards in trade for other cards, which may be a better deal for you, presuming you want to buy something through Amazon.</p> <p>Top gift card purchasers and sellers include <a href="http://www.abcgiftcards.com/">ABCGiftCards</a>, <a href="https://www.cardcash.com/">CardCash</a>, <a href="http://www.cardpool.com/">Cardpool</a>, <a href="http://www.giftcardrescue.com/">GiftCardRescue</a>, and <a href="http://www.junkcard.com/">JunkCard</a>. Interestingly, Cardpool sells <a href="http://www.cardpool.com/the-ultimate-gift-card">its own gift card</a> (for no discount) that can be used to buy gift cards on its site.</p> <p><a href="https://www.plasticjungle.com/">PlasticJungle.com</a>, once a major card exchange site, has essentially left the niche and now only trades gift cards for CVS gift cards or United MileagePlus award miles.</p> <h3>What to Expect</h3> <p>Generally, you enter your information online, mail the card, and get paid after the company validates the card.</p> <p>Some websites will, depending on the card, let you enter the card's number online instead of mailing it. Some offer prepaid mail labels. Some tout their purchase guarantee programs. Some companies can send payments by check, direct deposit, or PayPal. Others are less flexible, preferring PayPal.</p> <p>Some companies accept both merchandise credit and store credit.</p> <p>Expect companies to scrutinize you the first time you sell a gift card, especially one with a large balance. For instance, they might request a credit card or copy of a driver's license for ID verification.</p> <p>Although Gift Card Granny says it vets companies, if you're cautious it wouldn't hurt to check online reviews, BBB ratings, and user policies with an eye for guarantees or consumer protections.</p> <h2>Where You Can Sell to Other Consumers</h2> <p>If you prefer to set your own asking price for your gift card, you can visit <a href="https://www.raise.com/">Raise</a>. The site posts the average discounts to help sellers set their price, and sellers can change their asking price. Keep in mind that the steeper the discount, the faster cards sell.</p> <p>The company takes a 15% commission from the selling price after the card has sold and a shipping fee for physical cards of 1% or $1, whichever is larger.</p> <p>You can sell unwanted cards directly to others by using eBay, but the online auction place warns sellers to learn about <a href="http://www.ebay.com/gds/Listing-and-Selling-Gift-Cards-within-eBay-Guidelines-/10000000001677562/g.html">its restrictions</a>. A gift card cannot exceed $500, only one card can be listed in a seven-day period, you must have the card in your possession, and only one card per listing is permitted. Some types of cards are restricted or prohibited.</p> <p>Sellers not following the rules may find their listing removed, their buying selling privileges restricted, or even their account suspended. Plus, some card sellers may consider eBay's <a href="http://pages.ebay.com/help/sell/fees.html">selling fees</a> to be a disadvantage.</p> <h2>Kiosks That Accept Gift Cards</h2> <p>For those who don't want to go online, Coinstar, known for its kiosks that exchange loose cash for bills or gift certificates, has introduced kiosks that trade gift cards for cash. How much cash you get depends on the current market demand for the card, and could be anywhere from <a href="http://www.ahwatukee.com/money/article_878e12bc-accf-11e3-b494-001a4bcf887a.html">75% to 25% of the card's face value</a>.</p> <p>Unfortunately, the kiosks are not yet plentiful. For instance, a search on its <a href="https://www.coinstar.com/Kioskfinder?coinstarexchangesearch=true">kiosk locator tool</a> showed only four in California, all in or around Fresno.</p> <h2>A Booming Business</h2> <p>People will probably be selling more unwanted gift cards as they become even more popular among gift givers. A National Retail Federation survey just before the Christmas shopping season last year found that <a href="https://www.internetretailer.com/2013/11/13/gift-buyers-will-spend-4-more-gift-cards-year">shoppers planned to spend</a> an average of $163.16 on gift cards, up about 4% from $156.86 the previous year.</p> <p>Gift cards to coffee shops are especially popular among gift givers. Almost one in five, or 19%, planned to give a coffee shop gift card, up from 13% in 2009. Perhaps they should consider buying an unwanted second-hand card. Meanwhile, gift cards for Starbucks were being sold online at a 58% discount.</p> <p><em>Have you ever sold a gift card? Please share your experience in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/michael-kling">Michael Kling</a> of <a href="http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-10-20-on-online-purchases-every-day">How to Save 10-20% on Online Purchases, Every Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gift-card-scam-of-2011-don-t-be-a-victim">The Gift Card Scam of 2011: Don’t Be a Victim</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/kmart-settles-refunds-gift-card-fees">Kmart settles: refunds gift-card fees</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend">4 Sneaky Store Perks That Make You Overspend</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping gift cards gifts re-gifting selling gift cards Thu, 22 May 2014 08:36:25 +0000 Michael Kling 1140106 at http://www.wisebread.com Best Money Tips: Restaurants and Retailers Offering Free Gift Cards for Givers http://www.wisebread.com/best-money-tips-restaurants-and-retailers-offering-free-gift-cards-for-givers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-restaurants-and-retailers-offering-free-gift-cards-for-givers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gift-card-106575669.jpg" alt="gift card" title="gift card" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on restaurants and retailers offering free gift cards for givers, the best life hacks of 2013, and teaching children frugality.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.doughroller.net/promo-codes/gifting-giver-68-restaurants-retailers-offering-free-gift-cards-givers/">68 Restaurants and Retailers Offering Free Gift Cards for Givers</a> &mdash; Barnes and Noble, Fandango, and Jamba Juice are just a few restaurants and retailers offering gift cards to givers! [The Dough Roller]</p> <p><a href="http://www.savvysugar.com/Best-Life-Hacks-2013-32903606">The Best Life Hacks of 2013</a> &mdash; To cross out words on paper, use other letters instead of lines. [PopSugar Smart Living]</p> <p><a href="http://www.thesimpledollar.com/teaching-children-frugality/?">Teaching Children Frugality</a> &mdash; In order to teach children frugality, talk through your spending decisions and show them how to shop around. [The Simple Dollar]</p> <p><a href="http://timemanagementninja.com/2013/12/5-ways-to-stop-wasting-time-surfing-the-web/">5 Ways to Stop Wasting Time Surfing the Web</a> &mdash; If you want to reduce your time on the web, set a timer and delegate when appropriate. [Time Management Ninja]</p> <p><a href="http://www.forbes.com/pictures/fgmi45hffl/basic-will/?ss=personalfinance">10 Must-Have Estate Planning Documents</a> &mdash; It is important to have beneficiary forms and a living will when doing your estate planning. [Forbes]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.dumblittleman.com/2013/12/10-ways-to-fight-holiday-depression.html">10 Ways To Fight Holiday Depression</a> &mdash; Holidays got you down? Fight your depression by doing something silly or connecting with friends. [Dumb Little Man]</p> <p><a href="http://bargainbabe.com/make-wreath-10/">How to make a wreath for under $10</a> &mdash; All you need to make your own wreath is a coat hanger, some fabric, scissors, and pliers! [Bargain Babe]</p> <p><a href="http://parentingsquad.com/10-hot-holiday-gift-ideas-for-tween-girls">10 Hot Holiday Gift Ideas for Tween Girls</a> &mdash; If you have a tween girl on your shopping list this year, consider getting her an iPod Shuffle. [Parenting Squad]</p> <p><a href="http://www.marcandangel.com/2013/12/15/8-things-happy-successful-people-never-say/">8 Things Happy, Successful People Never Say</a> &mdash; Happy, successful people never say they don&#39;t have a choice or that they missed their chance. [Marc and Angel Hack Life]</p> <p><a href="http://lifehacker.com/what-is-small-claims-court-and-when-should-i-use-it-1481147923">What is Small Claims Court and When Should I Use It?</a> &mdash; Small claims court may be necessary if your landlord failed to return your security deposit. [Lifehacker]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-restaurants-and-retailers-offering-free-gift-cards-for-givers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-more-tips-for-eating-in-restaurants-and-sticking-to-a-budget">Five More Tips For Eating In Restaurants And Sticking To A Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/watch-all-the-documentary-movies-you-can-handle-free-online-and-yes-its-legal">Watch All The Documentary Movies You Can Handle, Free Online - And Yes, It&#039;s Legal.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sit-in-on-a-class-at-mit-for-free">Sit in on a Class at MIT for Free!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-free-things-that-just-arent-worth-it">10 Free Things That Just Aren&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/new-living-room-0-cost-of-rearranging-the-furniture-priceless">Cost of Rearranging the Furniture - $0. New Living Room - Priceless.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips free gift cards restaurants retailers Thu, 19 Dec 2013 11:00:44 +0000 Ashley Jacobs 1101062 at http://www.wisebread.com How to Save 10-20% on Online Purchases, Every Day http://www.wisebread.com/how-to-save-10-20-on-online-purchases-every-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-save-10-20-on-online-purchases-every-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/laptop-1895393-small.jpg" alt="laptop" title="laptop" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>I love shopping online because I can generally find a better deal (and a better selection of merchandise) than what I often find in brick-and-mortar stores. If you time your purchases correctly, you can take advantage of online coupons and sales to get a pretty good discount. The problem is, those special promotions and sales can happen infrequently. What if you need something fast? Or what if something is going out of stock and you want it now? How can you get a discount on <em>any</em> purchase, every day? (See also: <a href="http://www.wisebread.com/how-to-get-free-shipping-and-online-discounts-across-the-web" target="_blank">How to Get Free Shipping and Online Discounts Across the Web</a>)</p> <p>Recently I discovered a few new methods for getting a steep discount on almost any online purchase without having to wait for a sale or until an item is on clearance. The great thing is, you can also stack these discounts on top of store sales, promotions, and clearance items, helping you save even more.</p> <h2>Buy a Discounted Gift Card</h2> <p>Have you ever gotten a gift card to a store you don't like? What if you could gain back 90% of the gift card's value in cash by selling it online? That's the mentality behind sites such as <a href="http://ecardexchange.com/" target="_blank">Ecardexchange.com</a>.</p> <p>These sites buy gift cards from the original owners and sell them back to you at a discount. By searching for and buying discounted gift cards online, you can save up to 25% off of the original value of the gift card. For instance, you can buy a Pottery Barn gift card at 10% off and use it at Pottery Barn, West Elm, Williams-Sonoma, and affiliated stores. Some gift cards are electronic, and the card code will be emailed to you almost instantly, while you can also buy physical cards which will be mailed to you.</p> <p>Generally, more specialized shops will offer a better deal, whereas cards from general retailers such as Target or Walmart will have less of a discount.</p> <p>Check out <a href="http://giftcardgranny.com/" target="_blank">GiftCardGranny.com</a>, a great website that aggregates gift cards from all of the reputable gift card sellers online, making it easy to compare prices.</p> <h2>Get an Electronic Rebate</h2> <p>Buy online from many large retailers through the <a href="http://ebates.com/" target="_blank">Ebates.com</a> website, and Ebates will give you between 1-20% cash back. Ebates is a completely legitimate website that earns commissions from retailers for referring you to their stores &mdash; a commission they then share with you in the form of a cash rebate. Sign up for a free account and get paid every three months through PayPal or by check. Not every store will have an &quot;ebate,&quot; but you can usually find big retailers such as Macy's and Home Depot, as well as big online retailers such as <a href="http://diapers.com">Diapers.com</a> and <a href="http://wayfair.com">Wayfair.com</a>.</p> <p>All you have to do to get an Ebate is to click through to the online store of your choice from the Ebates website. Additionally, when you search for a retailer on the Ebates website, the search will also pull up coupons and promotions you can use, so you can get an even bigger discount.</p> <h2>Professional Perks</h2> <p>Check through your company (or <a href="http://www.wisebread.com/9-places-to-get-student-discounts" target="_blank">college or university</a>) whether you can get any online discounts or perks through the company network that you might not be aware of. For example, human resources giant ADP, which is used by many mid-size companies, offers a plethora of restaurant discounts, event ticket discounts, and more.</p> <h2>Combine Discounts</h2> <p><a href="http://www.wisebread.com/save-money-on-groceries-with-these-online-tools" target="_blank">Combining coupons and sales</a> isn't foreign to the avid &quot;extreme couponer,&quot; but it's even easier to do it electronically. Combine a discounted gift card and an &quot;ebate&quot; with a store sale or promotion. Look for coupon codes on sites like <a href="http://retailmenot.com/" target="_blank">Retailmenot.com</a> to see if <a href="http://www.wisebread.com/the-one-site-you-must-visit-before-buying-anything-online-period" target="_blank">a bigger discount is available.</a> With discounted gift cards and &quot;ebates,&quot; you'll never pay full price for something online again.</p> <p><em>How are you saving money on your online purchases?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/how-to-save-10-20-on-online-purchases-every-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend">4 Sneaky Store Perks That Make You Overspend</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys">These Secrets of Amazon&#039;s Pricing Strategy Will Help You Find the Best Buys</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-buy-on-groupon-or-livingsocial">5 Things You Should Never Buy on Groupon or LivingSocial</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-all-that-stuff-the-police-seize-and-its-cheap">How to Buy All That Stuff the Police Seize. And It&#039;s Cheap.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Coupons Shopping ebates gift cards online discounts online shopping rebates Mon, 27 May 2013 10:36:33 +0000 Camilla Cheung 975248 at http://www.wisebread.com Ask the Readers: Do You Prefer Getting Gift Cards or Cash? http://www.wisebread.com/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000007951783Small-1.jpg" alt="Do You Prefer Getting Gift Cards or Cash?" title="Do You Prefer Getting Gift Cards or Cash?" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash#comment-532523"><em>Peg Mooers</em></a><em>, </em><a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash#comment-532469"><em>Kelly</em></a><em>, and </em><a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash#comment-532619"><em>Z. R.</em></a><em> for winning this week's contest!</em></p> <p>Whenever the holidays or your birthday comes around, inevitably you will receive either gift cards or cash. Some people love getting gift cards to use at their favorite store or restaurant. However, others would prefer to take the cash and run!</p> <p><b>Do you prefer getting gift cards or cash?</b><span style="font-weight:normal">&nbsp;Why? When it comes to giving someone else gift cards or cash, which do you prefer to give?</span></p> <p>Tell us if you prefer getting gift cards or cash and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; one for random comments, one for random Facebook &quot;Likes&quot;, and another one for random tweets.</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below&nbsp;</li> </ul> <h3>For extra entries (1 per action):</h3> <ul> <li>Go to our <a href="http://www.facebook.com/pages/Wise-Bread/26830741467?ref=ts">Facebook page</a>, &quot;Like&quot; us, and leave a comment on this article telling us you did, or</li> <li><a href="http://www.twitter.com/">Tweet</a> your answer. You have to be a follower of our <a href="http://twitter.com/wisebread">@wisebread account</a>. Include both &quot;@wisebread&quot; and &quot;#WBAsk&quot; in your tweet so we'll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.</li> </ul> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, April 30th at 11:59 pm Pacific. Winners will be announced after April 30th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us if you prefer getting gift cards or cash and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-prefer-getting-gift-cards-or-cash">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/jar-of-nothing-the-perfect-present-for-the-picky-prick-in-your-life">Jar of Nothing: the perfect present for the picky prick in your life</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-ways-to-wrap-the-gift-of-cash">10 Fun Ways to Wrap the Gift of Cash</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/almost-50-unique-housewarming-gifts-for-less-than-20">Almost 50 Unique Housewarming Gifts for Less Than $20</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash">How to Turn Unwanted Gift Cards Into Cash</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers cash gift cards gifts presents Tue, 24 Apr 2012 10:36:07 +0000 Ashley Jacobs 922770 at http://www.wisebread.com The Gift Card Scam of 2011: Don’t Be a Victim http://www.wisebread.com/the-gift-card-scam-of-2011-don-t-be-a-victim <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-gift-card-scam-of-2011-don-t-be-a-victim" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/target_gift_cards.jpg" alt="Gift cards" title="Gift cards" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>It&rsquo;s the most wonderful time of the year&hellip;for scam artists. When the shopping craze hits us after Thanksgiving, the thieves come out in droves and this year, they are targeting one of the biggest gift items we both give and receive &mdash; gift cards. (See also:&nbsp;<a href="http://www.wisebread.com/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts">Why I Love Gift Cards</a>)</p> <p>It&rsquo;s a multi-million dollar industry, so it&rsquo;s no surprise that scammers and con artists have put gift cards on their own wish list this year. And because of them, you could be in for a nasty surprise when you go to spend a gift card you received. In fact, your gift card could already be worthless.</p> <p>That&rsquo;s right, a gift card you have received or bought someone else could already have a zero balance. It&rsquo;s a problem even <a href="http://www.silive.com/westshore/index.ssf/2011/12/staten_island_shoppers_warned.html">U.S. Senator Charles Schumer</a> is trying to warn people about.</p> <p>Here&rsquo;s how the thieves are picking your pocket without you even realizing it.</p> <h3>How the Gift Card Scam Works</h3> <p>Every gift card you buy has a magnetic strip on the back, similar to the one on your debit or credit card. This strip is basically there to record the running balance, the card number, and the PIN number if it has one.</p> <p>The gift card thief has found a way to retrieve the information contained in that magnetic strip using a simple reader that can be bought very cheaply on the internet. The thief will then go to one of those racks filled with cards and read the information from them. Usually, they will target the cards with larger dollar amounts printed on them (even though they are not yet activated) as well as blank cards and lower denominations.</p> <p>You may think that the packaging on the gift card can prevent that, but it&rsquo;s no barrier. Most of the time the card can be lifted from the packaging, read, and replaced. Sometimes, the strip is visible in spite of the packaging. And many cards aren&rsquo;t even placed into a wallet or gift card holder until after they&rsquo;ve been activated.</p> <p>Once the thief has the numbers, he/she waits patiently and checks the balances online. And it&rsquo;s not long before those cards are activated in store by someone like you or me. Then the thief can use the gift card numbers to spend that money quickly, either online or in store, and run the balance down to zero. You, or most likely your gift recipient, won&rsquo;t even realize it until weeks or months later. When the theft is noticed, it could not only be very embarrassing and frustrating, but also too late to do anything about it. The best chance you have to get your money back is as soon as the theft has occurred.</p> <h3>What Can You Do to Protect Yourself?</h3> <p>There are several steps you can take to make yourself less vulnerable to gift card scammers. Unfortunately, nothing is 100% fool proof (other than refusing to buy or receive, gift cards), but these tips should help you avoid their traps.</p> <p><strong>1. Carefully Examine Any Gift Card You Are About to Buy or Receive</strong></p> <p>When buying a card, be alert. Look for any obvious signs of tampering with the card holder, the scratch-off panel, the magnetic strip or any other wear and tear. Gift cards and the holders should be in pristine condition. If you see a PIN, put it back. The PIN should always be covered. When you receive a card, do the same thing, but be tactful; you don&rsquo;t want to upset the person who just gave you a gift, so do it out of sight. If you see anything suspicious, it may be time to check that card out.</p> <p><strong>2. Don&rsquo;t Buy Cards From Public Display Racks in Grocery or Retail Stores</strong></p> <p>The first place gift card scammers look is those big racks filled with cards. They aren&rsquo;t protected or policed because they are not activated yet and thus are considered worthless. But those racks are easy picking for thieves, who can scan dozens of cards at one time.</p> <p><strong>3. Use Gift Cards Immediately</strong></p> <p>Don&rsquo;t just pop them in the junk drawer until the day comes that you want something from that store. That just gives thieves plenty of time to use the card and leave you high and dry. Go and spend that money. You should also register your card online if you can. Most retailers have that option, and you can instantly see the balance and track your usage.</p> <p><strong>4. Discourage Friends and Relatives From Buying You Gift Cards</strong></p> <p>Yes, they are a great way to give a gift, especially for people who live far away and don&rsquo;t want to pay for big parcels or risk buying an unwanted gift. If people want to send you money from far away, they can always wire the money. For people who live close, it may be time to put <a href="http://www.wisebread.com/5-ways-to-give-cash-as-a-gift">money in an envelope</a> again. It&rsquo;s not ideal, especially if you want to encourage kids to spend their money at a book store, but at least they&rsquo;ll have money to spend when the shopping day comes.</p> <p><strong>5. Never Buy Gift Cards Via eBay, Craigslist, or Other Non-Retailer Websites</strong></p> <p>Sadly, that&rsquo;s just too easy for the thieves. Your best bet if you are going to buy gift cards is to get them directly from the retailer&rsquo;s website. If you want a Barnes &amp; Noble gift card, get it from <a href="http://www.barnesandnoble.com/">barnesandnoble.com</a>. If you want a Home Depot gift card, <a href="http://www.homedepot.com/">homedepot.com</a> is the place. There may be cheaper deals elsewhere, but they&rsquo;re just not as reliable.</p> <p><strong>6. If You Buy the Card in a Store, Get the Cashier to Double-Check the Balance</strong></p> <p>There is no shame in asking the cashier to give you a print out of exactly what is loaded onto the card at that time. You&rsquo;ll see the current balance instantly, and it will also protect you from another gift card scam, where thieves swap out worthless, used cards and pocket the ones ready to be loaded with money.</p> <p><strong>7. Get a Receipt, and Keep It With the Card</strong></p> <p>When we bought our home, our <a href="http://www.wisebread.com/when-should-you-fire-your-real-estate-agent">real estate agent</a> gave us a Home Depot gift card, and he gave us the receipt to go with it, just in case. We were glad to have it. The gift recipient already knows the amount put on the card, so there is no reason not to hand it over with the gift card. It&rsquo;s just a little extra protection.</p> <h3>What If You&rsquo;re a Victim?</h3> <p>Sadly, there&rsquo;s not a lot you can do. Unlike credit and debit card fraud, there are few protections offered by the gift card issuers.&nbsp;If you lose your card, you can simply report it as lost or stolen, and the card will be voided. You will receive the remaining balance on another card. However, by the time you know your card has been compromised, the balance will most likely be $0. And there&rsquo;s not much you can do to reclaim that stolen money.</p> <p>If you have the receipt that came with the gift card, you may be able to get compensated for the loss. These days, many retailers can track the usage of a gift card, including where it was bought and where it was used. If you, or the person who bought it, picked the card up in Colorado, but it was used in New York, then that could be proof. Of course, people send gift cards all over the country, so it&rsquo;s not concrete evidence.</p> <p>Have you been the victim of a gift card thief? Let us know, and tell us how it happened. Remember, with every passing year thieves get more sophisticated, and that means you have to be more vigilant.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/the-gift-card-scam-of-2011-don-t-be-a-victim">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash">How to Turn Unwanted Gift Cards Into Cash</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts">Why I Love Gift Cards: 5 Reasons Gift Cards Make Perfect Holiday Gifts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-warranties-that-arent-worth-it">4 Warranties That Aren&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-10-20-on-online-purchases-every-day">How to Save 10-20% on Online Purchases, Every Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/kmart-settles-refunds-gift-card-fees">Kmart settles: refunds gift-card fees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping gift cards holiday gifts scams Thu, 22 Dec 2011 11:36:10 +0000 Paul Michael 836080 at http://www.wisebread.com Why I Love Gift Cards: 5 Reasons Gift Cards Make Perfect Holiday Gifts http://www.wisebread.com/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/guy_with_gift_card2.jpg" alt="Man with gift card" title="Man with gift card" class="imagecache imagecache-250w" width="250" height="168" /></a> </div> </div> </div> <p>Gift cards tend to have a bad reputation, perhaps because the receiver thinks they are too impersonal. But I would much rather get a gift card (or cash) than something I can't use or clothing that doesn't fit. There's nothing worse than having to return a gift. Not only can it be a hassle, but it's also difficult to explain to your aunt why you aren't wearing that argyle sweater vest she gave you for Christmas.</p> <p>If you are looking for that perfect gift, here are a five reasons gift cards can make life easier for you and the person receiving. (See also: <a href="http://www.wisebread.com/5-reasons-why-you-should-give-kids-cash-for-the-holidays">5 Reasons Why You Should Give Kids Cash for the Holidays</a>)</p> <h3>1. Gift Cards Guarantee Gifts People Will Love</h3> <p>Whether you are buying a gift card from someone's favorite clothing store or giving free downloads from iTunes to the music lover in your life, gift cards guarantee that people will love what you give them. They have the freedom to pick out whatever they want, and you are relieved of the stress of finding something perfect for everyone. Gift cards are also ideal if you are buying for in-laws you don't know that well. Amazon sells everything from books to kitchen sinks, so purchasing gift cards from a general retailer will also help guarantee that there's something for everyone, even the picky people in your life.</p> <h3>2. They Save Money and Time</h3> <p>If you are purchasing gifts for a lot of people &mdash; a dozen or more nieces and nephews for instance &mdash; you can budget a dollar amount for each card. This also prevents arguments over which cousin got the better gift, because everyone gets the same amount of money. And it saves you the time shopping for each person. Plus, even if you get a gift receipt, returning gifts can be a headache, especially right after the holidays when customer service lines are backed up to the entrance of the store.</p> <h3>3. You Can Buy Gifts Without Leaving Home</h3> <p>You don't even have to leave your house to do your holiday shopping thanks to the convenience of the Internet. Most stores offer online gift cards, and you can personalize them with graphics and personal messages. A lot of retailers even have an option to email an electronic gift card to someone, which is convenient for you, and it helps the receiver keep track of the card. If you are one of those last-minute shoppers, you can send an e-gift card at any time, even on holidays when most stores are closed.</p> <h3>4. They Make Giving and Receiving More Fun</h3> <p>Personally, I don't shop for myself that much because I don't put aside a lot of money in my budget for it. But if someone gave me a gift card to my favorite kitchen store, I can think of nothing I'd like to do more than wander around looking at iron woks and sharpening stones. If you know the person well, you will know exactly the stores where they would most like to shop. There's also the option of giving movie gift cards, or buying a card from someone's favorite restaurant. It's always nice to know that you are giving something loved ones will enjoy picking out for themselves, and treating someone to dinner and a <a href="http://www.wisebread.com/how-to-watch-movies-in-the-theater-for-free">movie</a> is always appreciated.</p> <h3>5. Gift Cards Can Be Practical</h3> <p>For practical people who never spend money on themselves, give them a gift card from a place where they can purchase something they need, or may not have the money for. I would gladly accept a $50 gift card for groceries, for instance. Don't forget pet owners could always use more cat litter or dog food. And for that hard-to-buy-for person in your life, money is always an option.</p> <p>Don't spend all your time waiting in lines and being choosy over gifts this holiday season. Save yourself the trouble and just go for the gift card. It will make everyone happy, including your wallet.</p> <p><em>How do you feel about gift cards? Are there other reasons you like giving them? Discuss in the comments section below.<br /> </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-watson">Ashley Watson</a> of <a href="http://www.wisebread.com/why-i-love-gift-cards-5-reasons-gift-cards-make-perfect-holiday-gifts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gift-card-scam-of-2011-don-t-be-a-victim">The Gift Card Scam of 2011: Don’t Be a Victim</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/inside-the-shady-world-of-cheap-itunes-gift-cards">Inside the Shady World of Cheap iTunes Gift Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/holiday-gift-giving-for-the-truly-broke">14 Gift Ideas for the Truly Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping gift cards holiday gifts save time Wed, 14 Dec 2011 10:48:17 +0000 Ashley Watson 822782 at http://www.wisebread.com 5 Financial Holidays I'd Like to See http://www.wisebread.com/5-financial-holidays-id-like-to-see <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-financial-holidays-id-like-to-see" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000012232049Small-2.jpg" alt="Woman with falling money" title="Woman with falling money" class="imagecache imagecache-250w" width="250" height="143" /></a> </div> </div> </div> <p>There are far too many holidays in this day and age, if you ask me. National Lox and Bagels Day or Turkey Neck Soup Day are little more than reasons to boost the food industry, and they are not something that most of us celebrate with vigor. If you had me design next year&rsquo;s calendar, however, I would add a few holidays that would do quite a bit of good for the average consumer. Here are my proposed celebrations; feel free to add them into any day or month you choose.</p> <p><img height="351" width="605" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/gift_cards.jpg" /></p> <h3>Gift Card Balance Awareness Month</h3> <p>If you&rsquo;re like most Americans, you have a drawer in your office with random gift cards &mdash; and possibly no clue as to the balance of each. It takes a bit of work, but you can call about each or check the balances online to see where you stand. Most major brand cards, like Starbucks, for example, can be combined into one gift card, making those small $1 or less balances useful again. Other cards, like those VISA or American Express gift cards, will need a bit more creative repurposing. (See also: <a title="How to Use Up Remaining Balances on Prepaid Gift Cards" href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a>)</p> <p><img height="454" width="605" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u148/thank%20you.jpg" /></p> <h3>Money Mentor Appreciation Week</h3> <p>Most of us can name one person, at least, who has influenced us in a positive regard to our finances. For me, it&rsquo;s my husband and this <a title="Five Financial Gurus You've Never Heard Of" href="http://financialhighway.com/5-financial-gurus-youve-never-heard-of/">list of five financial gurus you&rsquo;ve never heard of</a>. If you know a blogger, author, financial professional, or family member who has helped you take your finances by the reigns and get things right, it&rsquo;s time to say &ldquo;thanks.&rdquo; You can send a letter, shoot them an email, buy their new book, subscribe to their RSS feed, or even make a donation to their favorite charity or their non-profit organization. It&rsquo;s a fantastic way to show you how you feel!</p> <h3><img height="403" width="605" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u148/fed.jpg" /></h3> <h3>Fed Day</h3> <p>It could be argued that every day is fed day (it does, after all, seem like the controlling arm of so many things). I would like to approach the subject from the point of view of an American living in this somewhat complex economy, however. If you don&rsquo;t know your ins and outs of our Federal Reserve System, it&rsquo;s best to schedule a day (or week) this year to do so. Start out simply, with a reading from the <a title="Federal Reserve System" href="http://en.wikipedia.org/wiki/Federal_Reserve_System">Wiki page</a>. Then graduate to commentary by political and economic analysts on both sides of the spectrum. You don&rsquo;t have to learn everything at first, but living in today&rsquo;s somewhat tumultuous times requires some knowledge of what&rsquo;s going on. It&rsquo;s best to set aside time to get ahead of the curve. (If you have kids, who likely aren&rsquo;t learning this in school, pull them in for some of the more basic principles.)</p> <p><img height="403" width="605" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u148/iou.jpg" alt="" /></p> <h3>National &quot;Give Back&quot; Month</h3> <p>No, this isn&rsquo;t a feel-good attempt at giving people a chance to contribute to charities. It is, however, a great excuse to pencil in a month on your calendar to pay back loans; give back borrowed CDs, movies, and lawn tools; and return any favors you swore you would grant. People are generally becoming less and less good about keeping their word. (This is evidenced by the rising number of mortgage defaults and bankruptcies, and general attitudes towards paying back debt.) If you can&rsquo;t pay it all back at one, work out a payment plan, consider counselling with a debt management service, or look into other ways to make good on your loan. We are as solid as our promises, after all. (Not sure you have what it takes to stare down tens of thousands of dollars in debt? Check out how <a href="http://financialhighway.com/i-paid-off-50000-in-credit-card-debt-and-you-can-too/">I paid off over $50,000 in credit card debt</a>.)</p> <p><img height="453" width="605" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u148/trash%20can.jpg" alt="" /></p> <h3>Check It or Chuck It Week</h3> <p>We all suffer from variations of a common disease known as &ldquo;too much stuff&rdquo; &mdash; except for a few of my nomadic or military friends. I have often wondered how much of my possessions I would miss in case of a natural disaster. As sad as this is, it is often just the process of deciding what to do with &ldquo;stuff&rdquo; that can be a burden. Do you keep it? Sell it? Give it away? What if you need it later? While it&rsquo;s silly to assume that you can go through your home, garage, and outdoor buildings in just one week, putting purpose to everything you own, picking just one room this week to purge of the excess is a great start. (Need tips for moving forward? How about starting with these <a title="Toss It or Not?" href="http://www.wisebread.com/toss-it-or-not-5-organizational-tips-from-a-chronic-clutter-bug">tips for clearing clutter</a> from a self-proclaimed clutter bug?) A decrease in clutter can save you money, free up some time, and give back much-needed mental and emotional clarity.</p> <p>Looking for some real holidays to boost your financial intelligence or savings potential? Why not check out <a title="Financial Literacy Month" href="http://www.financialliteracymonth.com/">Financial Literacy Month</a>, <a title="I Love Coupon Month" href="http://www.ilovecouponmonth.com/">National Coupon Month</a>, or even &ldquo;<a title="No Pants Day" href="http://www.nopantsday.com/wp/">No Pants Day</a>&rdquo; (which is coming up soon and can save you a little on the cost of getting your pants pressed)?</p> <p><em>What financial holidays would you like to be celebrated? Or do we just have enough to think about already?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/5-financial-holidays-id-like-to-see">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/swipe-envy">Swipe envy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/eight-natural-ways-to-make-water-more-flavorful">Eight Natural Ways to Make Water More Flavorful</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/seven-tips-for-the-newly-unemployed">Seven Tips for the Newly Unemployed</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living decluttering Fed gift cards Holidays mentorship Wed, 04 May 2011 10:24:47 +0000 Linsey Knerl 535415 at http://www.wisebread.com How to Use Up Remaining Balances on Prepaid Gift Cards http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-up-remaining-balances-on-prepaid-gift-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-gift-card-166668354-small.jpg" alt="couple gift card" title="couple gift card" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking in my wallet, there are no less than 5 <a href="http://www.wisebread.com/5-best-prepaid-debit-cards">prepaid debit</a> or gift cards hiding at any one time. While I seem to have no trouble using up store gift cards (Walmart or Amazon, for example), I just can&rsquo;t seem to rid my life of these nagging, tiny balances that make it inconvenient and a little embarrassing to shop. With some research and a lot of trial and error, I found some ways to get my money&rsquo;s worth out of these well-meaning assets &mdash; every last penny.</p> <p>First, I won&rsquo;t trouble you with advice on using store or retailer cards. I&rsquo;m sure you can figure out how to use the last $2 on your Starbucks card (if you haven&rsquo;t figured it out, just walk into any Starbucks. They&rsquo;ll apply whatever remaining balance you have to your next purchase. Or you can simply reload it.) While the strategy to using up remaining balances are similar, it&rsquo;s not always so clear cut. And let&rsquo;s face it, I&rsquo;m less likely to whip out my Visa with the $2.23 balance and buy anything at a store &mdash; especially since it may cost the retailer between $1.00 and $2.50 just to process it.</p> <h2>Know What Your Balances Are</h2> <p>This seems obvious, but there are times that I may have one or two cards floating at the bottom of my purse that I&rsquo;m not sure how much is left on them. While I prefer to use the web address printed on the back of each card to find the balance, some will only allow you to call an 800 number. Another thing to note is that in order to check your balance online, you may be required to register that card. The benefit to doing this is that your balance is stored online, and in case of a lost card, you can at least make purchases online with it &mdash; or possibly get a replacement. The drawback is that you may not want to keep the card forever (see tips below) and you don&rsquo;t want to register a card that someone else may try to register in the future.</p> <h2>Make Note of Your Balances</h2> <p>Again, simple idea here: Some of the newer gift cards have a little box on the back of the card that let you write in the amount you have left after each purchase. Others give you nothing, so I suggest wrapping a sticky note around it with the balance written on it. The next time you&rsquo;re waiting to check out, you can easily identify which card will have the balance closest to your purchase amount.</p> <h2>Analyze Your Spending Habits</h2> <p>I don&rsquo;t shop at some major stores &mdash; ever. It&rsquo;s not that I don&rsquo;t like them; I&rsquo;ve just found them to be too far away geographically, or out of my comfort zone. For this reason, I&rsquo;ve become very familiar with the stores I use most, and their policies for using prepaid gift cards. Walgreens, for example, has no issues about letting me pay for a purchase with multiple methods of payment. This makes my local Walgreens store a great way to &ldquo;ditch&rdquo; balances with little interruption to my shopping routine. If I&rsquo;m taking advantage of a <a href="http://wisebread.com/dealista-tip-getting-free-stuff-at-walgreens">Walgreens Register Rewards deal</a>, and want to buy several packages of diapers, I can just ask the cashier to apply $2.36 of my purchase to the gift card, then pay the remaining balance with my regular credit card or cash. Easy peasy. Other stores are really great about this too. (Just know what credit cards each store takes.)</p> <h2>Recycle Into Other Gift Cards</h2> <p>When researching ways to dump my gift cards, I ran into a lot of suggestions to convert them to Amazon gift cards. As an avid Amazon shopper, this idea really appealed to me. While the smallest gift card you can buy is $5, you don&rsquo;t have to buy in increments &mdash; so you can buy a gift card worth exactly $5.36 and have it sent to you via email the same day. You can then apply the gift card directly to your Amazon account balance, giving you an extra $5.36 of spending power the next time you shop. Some have reported this same kind of goodness with Walmart.com (which also allows you to buy iTunes gift cards and some restaurant cards like Chili&rsquo;s and Subway in select increments only).</p> <p>My personal experience with this method has been hit or miss. While the Amazon site doesn&rsquo;t mention anything about holding a particular amount of your gift card to ensure it&rsquo;s valid, it seems that this may be the case. Frequent purchasers of Amazon cards recommend holding back $1 of your balance in case of an &ldquo;authorization&rdquo; amount that will later be returned to your card balance. (Of course, who wants $1 left on their card?) Some have suggested immediately converting a $20 prepaid card into one $10 Amazon gift code, waiting until the purchase clears and the $1 authorization amount is credited back, and then buying another $10 code. (Apparently, the $1 authorization is only applied the first time you use a particular card.)</p> <h2>Be Kind</h2> <p>Perhaps the easiest way to use up gift card balances is to pass them on to others. It&rsquo;s kind of like dumping your problems on other people, except there&rsquo;s free money involved. If you don&rsquo;t want to deal with a $3.56 gift card balance, I&rsquo;m sure there&rsquo;s someone who would love to. Examples of places that will usually not turn down cards include local women&rsquo;s shelters and some churches. Be sure that you are upfront with the amount on the card, the date the balance must be used by (if any), and any fees that may be charged as a result of purchase.&nbsp;</p> <p>One way I&rsquo;ve recently used a $10 gift card to a store that closed in my area (so I couldn&rsquo;t use it) was as a &ldquo;bonus&rdquo; tip for a server at a restaurant. I wouldn&rsquo;t recommend substituting your cash tip for a gift card tip unless it&rsquo;s of such a generous portion that the inconvenience of using it is outweighed by the value, but &ldquo;bonusing&rdquo; on top of the cash tip probably would be well appreciated!</p> <h2>Cash Out</h2> <p>There are a few scattered reports of banks that will cash out any amount of gift card, provided you are a customer and show proper I.D (names mentioned included Chase). There may or may not be a fee attached. Also, residents of <a href="http://www.dca.ca.gov/publications/legal_guides/s-11.shtml">California</a> can legally cash out any gift card with a balance of less than $10. See your state&rsquo;s Department of Consumer Affairs website to see if similar legislation has been passed in your area.</p> <h2>Sell, Trade, Recharge, or Regift</h2> <p>There are many people who try to sell their unused gift cards on Ebay. This may work for larger cards, but it&rsquo;s still a hassle. I&rsquo;d much rather make it work some other way. Also, sites that allow you to trade unused gift cards are becoming popular &mdash; but again, I don&rsquo;t want to have to mess with mailing addresses and postage for a tiny balance. There is still the possibility of &ldquo;reloading&rdquo; a card, if it&rsquo;s allowed (some cards aren&rsquo;t made for this).</p> <p>Maybe you could regift a card that had its original balance on it? (Giving a $5 balance on a clearly branded $25 card, for example, seems a bit tacky.) Any other ideas?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/netspend-the-story-of-the-visa-debit-card-we-did-not-apply-for">netSpend: The Story of the Visa Debit Card We Did Not Apply For</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-prepaid-debit-cards">5 Best Prepaid Debit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping debit cards gift cards prepaid cards unused balance Mon, 22 Mar 2010 14:00:01 +0000 Linsey Knerl 5952 at http://www.wisebread.com Ways to Make Extra Money: Share Your Tip to Win $10 http://www.wisebread.com/ways-to-make-extra-money-share-your-tip-to-win-10 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ways-to-make-extra-money-share-your-tip-to-win-10" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p><strong><i>What&rsquo;s a great way to make extra money?</i></strong></p> <p>We have our own favorite ways, but what would you recommend?</p> <p>We&rsquo;ve written on this topic a fair bit in the past, suggesting anything from <a href="../../../../../../8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">mystery shopping</a> to <a href="../../../../../../the-business-of-ebay">selling things on Ebay</a> to having a <a href="../../../../../../easy-weekend-business-sell-used-books">used book business</a>.<span style="">&nbsp; </span>We know that your tips will come largely from your experience, so tell us what&rsquo;s worked for you!<span style="">&nbsp; </span>Are you doing something unique to get by?<span style="">&nbsp; </span>Have you found a simple way to scrape up a few bucks during difficult time?</p> <p>Share your money-making strategies, and be entered to win one of two $10 Amazon gift certificates.<span style="">&nbsp; </span>The winning answers will be read live on <a href="http://www.blogtalkradio.com/WiseBread/2009/06/04/We-talk-the-Recession-with-Recessionwirecom">Wednesday&rsquo;s<i style=""> Living Large on a Small Budget</i> Blog Talk Radio Show</a>!</p> <p>&nbsp;</p> <h2>Win a $10 Amazon Gift Certificate</h2> <p>We're doing two giveaways -- one $10 Amazon gift certificate for a random comment, and another one for a random <a href="http://www.twitter.com/">tweet</a>.</p> <h3>How to Enter:</h3> <ol type="1" start="1"> <li style="" class="MsoNormal">Post your answer in the comments below, or</li> <li style="" class="MsoNormal"><a href="http://www.twitter.com/">Tweet</a> your answer.&nbsp; Include &quot;<a title=" @wisebread #moneytippers" href="http://twitter.com/wisebread">@wisebread</a>&quot; in your tweet so we'll see it and count it.</li> </ol> <p>If you're inspired to write a whole blog post, please link to it in the comments or tweet it.</p> <p>At the end of the drawing, we'll update this post to include (and link to) all of your helpful responses.</p> <h3>Giveaway Rules:</h3> <ul type="disc"> <li style="" class="MsoNormal">Contest ends Wednesday, June 3rd at 7:59pm CST. Winners will be announced June 3<sup>rd</sup> between 8:00 &ndash; 9:00 pm CST during our live Blog Talk Radio broadcast, and will be contacted at the conclusion of the broadcast (or you can call in live to claim your prize!)</li> <li style="" class="MsoNormal">You can enter both drawings -- once by leaving a comment and once by tweeting.</li> <li style="" class="MsoNormal">Only tweets with &quot;@wisebread&quot; will be entered. (Otherwise, we won't see it.)</li> </ul> <p class="MsoNormal"><o:p>&nbsp;Good luck!<br /> </o:p></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><em><strong>*UPDATE:&nbsp; We have our winners!</strong></em></p> <p class="MsoNormal"><span style="font-weight: bold;"><span class="yshortcuts" id="lw_1244497252_2">Twitter</span> winner:</span></p> <p><a rel="nofollow" target="_blank" href="http://twitter.com/timeiscoffee"><span class="yshortcuts" id="lw_1244497252_3">timeiscoffee</span></a>: <span><a rel="nofollow" target="_blank" href="http://twitter.com/wisebread"><span class="yshortcuts" id="lw_1244497252_4">@wisebread</span></a> I do tech support for friends and get a lunch or a dinner out of it! Its not technically money but its still saving money!<br /> <br style="font-weight: bold;" /><br /> <span style="font-weight: bold;">Blog Post winner:<br /> </span><br /> <a rel="nofollow" target="_blank" href="../../../../../../ways-to-make-extra-money-share-your-tip-to-win-10#comment-300923"><span class="yshortcuts" id="lw_1244497252_5">http://www.wisebread.com/ways-to-make-extra-money-share-your-tip-to-win-10#comment-300923</span></a>&nbsp; (comment 56 by simplysarah)</span></p> <p class="MsoNormal">&nbsp;</p> <div class="content"> <p>&quot;I work in a university town where there are several teaching hospitals and research institutes. They offer many clinical studies (some involving medications, some just for observation). My friend did one (while she was unemployed) that involved her staying in a clinic for two weeks. They fed her and she watched tv and every four hours they would take a small sample of blood. At the end of two weeks she received $6000!</p> <p>In addition, the hospital connected to my work has a blood service where they take blood for research purposes and they pay up to $100 for each donation (depends on amount). This is less time consuming than plasma donation and as far as I know doesn't keep you from donating plasma.</p> <p>The next one is probably a more rare opportunity but I will most likely be doing this over the summer. I have had fire extinguisher training and will be able to make $50 for two hours being a &quot;safety&quot; during a fire performance act at a local amusement park.</p> <p>Another one, I take advantage of the tuition reimbursement at my work. They reimburse $2500 a year and also pay for books (which I sell at the end of the class if I won't need them). I finished my BA degree last year but now I have moved on to certificate programs, all on their dime. I am currently working on my copyediting certificate and a graphic design certificate. I am developing new skills which could result in a higher paycheck later and I can also do freelance work on the side (I've already done a few small copyediting jobs).&quot;</p> </div> <p class="MsoNormal">&nbsp;</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/ways-to-make-extra-money-share-your-tip-to-win-10">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/take-our-reader-survey-for-a-chance-to-win-one-of-five-amazon-gift-cards">Take Our Reader Survey for a Chance to Win One of Five Amazon Gift Cards!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards">How to Use Up Remaining Balances on Prepaid Gift Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-everyday-things-you-shouldnt-be-paying-for">16 Everyday Things You Shouldn&#039;t Be Paying For</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways freebies gift cards make extra money Tue, 02 Jun 2009 14:15:41 +0000 Linsey Knerl 3222 at http://www.wisebread.com