rebates http://www.wisebread.com/taxonomy/term/8070/all en-US 3 Great Home Gadgets That Can Save You Real Money http://www.wisebread.com/3-great-home-gadgets-that-can-save-you-real-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-great-home-gadgets-that-can-save-you-real-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_tablet_92297561.jpg" alt="Woman using great home gadgets that can save her real money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Home automation is very popular right now. Some gadgets are very pricey and more cool than useful, while other home technologies can actually save you a lot of money. Many of these gadgets can control utility usage, be controlled wirelessly, and even interconnect with each other. Check out these technologies if you want to make your home smarter and also reduce your monthly bills.</p> <h2>Nest</h2> <p>One of my favorite devices to use is <a href="http://amzn.to/28PQY4p">Nest</a>, which is a smart thermostat. We first purchased Nest three years ago. It was easy to install, and we saw savings immediately. We saw enough savings that first summer to justify the cost of the device.</p> <p>Nest cooled and heated our home smarter, turning itself off if it didn't detect motion or if it was set to Away. The second year, our electric company offered incentives if customers had a Nest. We earned about $150 that summer just for allowing the electric company to have control over our Nest. They would simply have blackout hours which disabled Nest during high volume times. Usually, it was disabled for a few hours two to three times a month during the summer.</p> <p>When we lived in our one-story 1,800 square foot home, our electric bill was rarely over $100. It was usually about $150 in the summer months. This was mostly due to smart usage, a well-insulated home, and of course, Nest.</p> <p>Nest currently costs $249 through Amazon and is much more stylish and easier to use than a conventional thermostat. Depending on how excessively you use your air conditioning and heating, Nest could pay for itself in savings within a few months. Be sure to sign up for energy saving programs and rebates through your local electric company, too.</p> <h2>Rachio Sprinkler System</h2> <p>Rachio is a smart irrigation system that can be controlled through your phone. This irrigation system also connects with weather readings, so your sprinklers won't turn on when it's raining outside or when the rain is expected.</p> <p>Before investing in a smart irrigation system, our water bill was routinely about $110 per month, and we rarely watered our lawn. Since we pay our water every other month, it was always a nasty shock to see our bill over $200, since we thought we were being conservative with water (and our lawn didn't look great).</p> <p>The first smart irrigation system we bought helped reduce our water bill by $30&ndash;$40 right away. We then switched to the Rachio Smart Sprinkler Controller when we moved two months ago and now have more lawn to water. Our water bills are still predicted to be $70&ndash;$75 per month, or $150 per billing cycle in the spring/summer months. They might be lower, but California has a few conservation surcharges added to each bill. The biggest difference is that with the use of the smart irrigation systems, our grass stays green, despite not using more water.</p> <p>The&nbsp;<a href="http://amzn.to/28PPXLn">8-Zone Rachio Smart Sprinkler</a> costs $199.99 and many water companies will give you a rebate. Be sure to check for <a href="http://rachio.com/#gallons-saved">local rebates</a> for the Rachio system. Even without a rebate, if the Rachio system saves you $30 each month, then you will have saved $360 for the entire year. Subtract the base cost of the Rachio from those savings, and you still pocket an extra $160 the first year of using Rachio.</p> <h2>Canary</h2> <p>While I think that home security systems are a great idea, they can be expensive. US News says, &quot;Most companies will offer installation specials as low as $99, but startup costs for all the equipment could <a href="http://money.usnews.com/money/personal-finance/articles/2013/09/09/the-cost-of-keeping-your-home-safe">run between $600 to $1,200</a>.&quot; After these initial costs, the monthly monitoring costs average $30 a month. Even if you get free installation and pay a very low $30 a month for home security, you will still end up paying $360 a year.</p> <p><a href="http://amzn.to/28PQjl4">Canary</a> is a good solution for tech-savvy individuals. The devices start at $166.94, and users can stream real time video in their home. Canary alerts your phone when it detects movement (there is an option to disable that feature when you come home). Once you get that mobile alert, you can instantly look through the camera and even sound a siren and alert the authorities. You can view the recordings for up to 24 hours, but if you need the video past that time, you will just have to pay a small fee.</p> <p>Best of all, you don't have to deal with a pushy salesperson or need to get it installed. I love that you don't have to rush to a keypad to disable the alarm, either. You just plug it in and connect it to your secure Wi-Fi.</p> <p>With the use of these three devices, I estimate that we save at least $1,000 a year. Not only do we save a good amount of money, but these three devices have made life much more convenient. If I want to check on my baby sitter and kids, I quickly check Canary. If I want to start cooling the house a few minutes before I get home, I just push a few buttons on my phone to activate Nest. If I want to change my watering schedule via Rachio, again, all I have to do is push a few buttons on the phone.</p> <p><em>What smart home technology do you use in your home?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/3-great-home-gadgets-that-can-save-you-real-money">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-3"> <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/find-lost-keys-fast-with-a-teeny-tiny-tile">Find Lost Keys Fast With a Teeny Tiny Tile</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/8-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</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-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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/the-11-best-parking-apps-for-your-city">The 11 Best Parking Apps for Your City</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-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Technology apps electric bills gadgets nest rebates security sprinklers thermostat water bill Thu, 30 Jun 2016 09:30:20 +0000 Ashley Eneriz 1740458 at http://www.wisebread.com 4 Sneaky Store Perks That Make You Overspend http://www.wisebread.com/4-sneaky-store-perks-that-make-you-overspend <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-sneaky-store-perks-that-make-you-overspend" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sale_sign_000081444051.jpg" alt="Woman spending more with store&#039;s liberal return policy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Retailers are notorious for finding clever ways to separate you from your hard-earned money. Many of these tactics, at first glance, seem completely harmless. After all, who doesn't like <a href="http://www.wisebread.com/8-free-things-that-arent" target="_blank">free shipping</a>, or an awesome return policy? But it's not until we dig a little deeper into the motivation as to why these &quot;perks&quot; are offered, that we see the real reasoning. Here are a few of these so-called &quot;perks&quot; and how we can avoid the retail traps.</p> <h2>Liberal Return Policies</h2> <p>Have you ever been in a store, trying to decide on a purchase, and told yourself you'll go ahead and buy it and just return it later if you don't use it? If you have, you're in the same boat as 91% of Americans who <a href="http://www.nytimes.com/allbusiness/AB4353479_primary.html">factor in the store's return policy</a> when making a purchase. But what you probably don't know is that the store is banking on you making this decision and often has a liberal return policy in place to help sway your buying decision.</p> <p>The fact of the matter is stores use their return policies as a way to pad their bottom-line because they know a percentage of shoppers won't ever bother to return the item. Instead, they'll keep it lying around, with a bunch of other stuff they don't need. The evidence even shows that the longer return window a store gives, the <a href="http://www.becomingminimalist.com/return/">less likely we are</a> to return the item. We tend to get attached to it, forget we even have it, or use good ol' procrastination to tell ourselves we have plenty of time to return it.</p> <p>So the next time you're standing in the aisle ciphering over a significant purchase, don't let the store's return policy trick you into making the purchase. Instead, make the decision based solely on need and a competitive price. If you use a liberal return policy as the deciding factor, be aware that you're playing right into the retailer's hand.</p> <h2>The Psychology of Free Shipping</h2> <p>Online retailers know that free shipping is a big deal for shoppers. As a matter of fact, 96% of online shoppers are more likely to shop on a <a href="http://www.inc.com/peter-roesler/why-free-shipping-is-a-must.html">website that offers free delivery</a>. But don't let free shipping blind you to other important factors you should consider. Namely the price of the item, how costly it might be to return the item, and the reputation of the website. In other words, don't let the attractiveness of free shipping keep you from doing a quick price comparison with an app like&nbsp;<a href="http://shopsavvy.com/">ShopSavvy</a>. After all, free shipping isn't that big of a deal if a competing retailer has a better price, even when factoring in shipping costs.</p> <h2>Attractive Rebate Offers</h2> <p>When I worked in the paint department at The Home Depot, we periodically had a &quot;rebate weekend&quot; where you got $5 back on a gallon of paint and $20 back on five gallons. But the rebate wasn't instant &mdash; it required you to mail in your receipt and wait for the rebate check to show up in the mail a few weeks later. You wouldn't believe the number of repeat customers I'd talk to that would buy paint with every intention of mailing-in the rebate, but would fail to do so.</p> <p>The fact of the matter is that rebates are still in the &quot;snail mail&quot; stone age. This is for a reason &mdash; retailers want to make them as hard as possible to redeem so shoppers will put them in the desk drawer and forget about them. And guess what? It works. Redemption rates hover in the 40%&ndash;50% range depending on the size of the rebate.</p> <p>The takeaway here is to always mail in the rebate as quickly as possible. The longer you wait, the more likely you are to not take the time to get your money. I strongly recommend keeping the rebate in your bill pile and fill it out the next time you sit down to pay your monthly bills.</p> <h2>&quot;Cheap&quot; Add-On Items</h2> <p>Just the other day, I was purchasing a workout program online and was happy to see it would only cost me $39.99 for several DVDs and a meal planning guide. Then when I was checking out, the site kept promoting these add-on products before they would let me get to the actual checkout page. Having only paid $40 for the program, I found myself intrigued and ended up spending another $30 for a bonus DVD, water bottle, and a couple cool trinkets.</p> <p>After I finished my purchase and was reviewing my order, I realized that I had played right into their hands. They offered a product for less than what I expected to pay, then persuaded me into buying some relatively expensive add-on items that do nothing but pad the store's bottom-line. You see this technique done all the time with infomercials and most recently with Amazon, which forces Prime customers to bundle purchases that include add-on items. Buyer beware.</p> <p><em>How do you avoid spending more when the deal looks too good to pass up?</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/4-sneaky-store-perks-that-make-you-overspend">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/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-2 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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</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-get-free-shipping-and-online-discounts-across-the-web">How to Get Free Shipping and Online Discounts Across the Web</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/8-sneaky-ways-wholesale-clubs-get-you-to-you-spend-more">8 Sneaky Ways Wholesale Clubs Get You to You Spend More</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping fake perks free shipping rebates retailers return policy sales tactics Secrets Thu, 28 Apr 2016 09:01:03 +0000 Kyle James 1697848 at http://www.wisebread.com 4 Green Home Rebates That Save You Big in 2015 http://www.wisebread.com/4-green-home-rebates-that-save-you-big-in-2015 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-green-home-rebates-that-save-you-big-in-2015" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/solar_panels_000016723163_0.jpg" alt="Solar panels are green energy option for home rebate" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For the first time, I'm beginning to seriously consider buying a home and I'm deep into the research and learning phase. One of the aspects I'm most intrigued by these days is how to perform a &quot;green&quot; renovation on an existing home. I've been happy to learn that there are multiple green rebates and credits that you can use in 2015 toward specific green improvements.</p> <h2>1. Geothermal Heat Pumps</h2> <p>Not surprisingly, energy consumption is one of the key areas that benefit from tax credits. <a href="http://www.energystar.gov/about/federal_tax_credits/geothermal_heat_pumps">Geothermal heat pumps</a> are renewable energy appliances that are not only good for the environment, but also an incredibly comfortable way to heat and cool your home. These heat pumps utilize the ground to generate hot water, heat, and air conditioning, unlike traditional heat pumps which utilize air. Geothermal heat pumps are more efficient &mdash; and therefore less expensive &mdash; to run than traditional heat pumps.</p> <h2>2. Small Wind Turbines</h2> <p>Windmills may conjure visions of Holland or Don Quixote. But they should also give you visions of green, as in green energy and green back in your pocket. <a href="http://www.energystar.gov/about/federal_tax_credits/small_wind_turbines">Small wind turbines</a> convert kinetic wind energy into electricity that connects to your home's electrical system, and homeowners enjoy significant tax credits for their implementation</p> <h2>3. Solar Energy Systems</h2> <p>Solar energy systems have undergone significant innovation over the years, making them more efficient and less expensive than when they first appeared on the residential energy scene. In terms of tax rebates, there are two types of <a href="http://www.energystar.gov/about/federal_tax_credits/solar_energy_systems">solar energy systems</a> that qualify: solar water heaters and solar panels that convert sunlight into electricity. (See also: <a href="http://www.wisebread.com/cut-your-electric-bill-with-solar-panels?ref=seealso">Cut Your Electric Bill With Solar Panels</a>)</p> <h2>4. Fuel Cells</h2> <p>Of all of the green home rebates, the <a href="http://www.energystar.gov/about/federal_tax_credits/fuel_cells">fuel cell</a> is the newest kid on the block. Fuel cells take advantage of the emerging hydrogen economy to power cars and other consumer goods that have traditionally been powered by fossil fuels. They offer a much cleaner alternative to fossil fuels.</p> <p>While these are the formal green home rebates offered by the federal government, there are plenty of other ways to save money (and the environment) with improvements to your home. ENERGY STAR offers an online <a href="https://www.energystar.gov/index.cfm?fuseaction=HOME_ENERGY_YARDSTICK.showGetStarted">Home Energy Yardstick</a> that will help you determine the energy efficiency of your home as it currently stands, and will make suggestions for ways to improve it.</p> <p>These improvements include better insulation and sealing, ENERGY STAR appliances and proper use of light fixtures, and even changes as simple as installing drapes, storm windows, and programmable thermostats. While these improvements don't carry tax rebates, they will help lower your energy costs without compromising your comfort. Good for you, good for the planet.</p> <p><em>How have you made your home more &quot;green&quot;? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/4-green-home-rebates-that-save-you-big-in-2015">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-get-the-greenest-lawn-on-the-block-naturally">How to Get the Greenest Lawn on the Block — Naturally</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/12-green-living-habits-thatll-save-you-every-month">12 Green Living Habits That&#039;ll Save You Every Month</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/10-frugal-ways-to-keep-your-home-warm-this-winter">10 Frugal Ways to Keep Your Home Warm This Winter</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/stay-warm-without-burning-a-hole-in-your-pocket">Stay Warm Without Burning a Hole in Your Pocket</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/8-simple-ways-to-make-your-refrigerator-more-efficient">8 Simple Ways to Make Your Refrigerator More Efficient</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Green Living Home Taxes eco friendly energy efficiency rebates renovations solar tax credits wind Wed, 22 Apr 2015 17:00:09 +0000 Christa Avampato 1392475 at http://www.wisebread.com Ultimate Guide to Cash Back Shopping http://www.wisebread.com/ultimate-guide-to-cash-back-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ultimate-guide-to-cash-back-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping-154402580.jpg" alt="online shopping" title="online shopping" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>&nbsp;</p> <p>In the past 15 years, cash back sites have paid their customers hundreds of millions of dollars. Those customers shopped the same kinds of stores that you do: department stores, toy stores, pet stores, etc. The difference is that they stopped by a cash back site first and clicked a link. That one step &mdash; one that added only a few seconds to the shopping process &mdash; meant they were paid for their purchases.</p> <h2>Too Good to Be True?</h2> <p>Some people think that cash back shopping can't be real, that it must be some sort of a scam. I'm here to tell you that it's a legitimate way to get more bang for your shopping buck.</p> <p>It's all thanks to the wonder of affiliate marketing.</p> <p>Cash back sites have affiliate relationships with the stores they list. The stores provide special links for each affiliate, so that they can track the origin of a purchase. Whichever site generated the order receives a commission.</p> <p>It's important to note that rebate sites aren't stores' only affiliate partners. Most deal and coupon sites, many bloggers, and even some search engine results use affiliate links. Many product reviews also contain them.</p> <p>The difference is cash back sites share a cut of their commission with you.</p> <h2>Getting Started</h2> <p>Intrigued? Then it's time to open an account.</p> <p>The process is very quick. You provide your name, email address, and create a password. Most sites will also ask for a physical address and/or a PayPal address. Without that information, they can't pay you.</p> <p>During the signup process, you should never be asked to divulge credit card information, your PayPal password, or anything else that would put your financial security at risk.</p> <h2>Top 8 Cash Back Shopping Sites Reviewed</h2> <p>Which site you should sign up for? With so many choices, it can be a tough road to navigate. To help, I've reviewed the top eight cash back sites.</p> <h3>Upromise</h3> <p>This one is so comprehensive as to be rather complex and, yes, a little overwhelming. So be prepared for a lot of bullet points. You'll thank me later.</p> <p><a href="http://www.dpbolvw.net/click-2822544-10428400?sid=1098676&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20-%20Join%20Now%20125x125" target="_blank"><img width="125" height="125" border="0" alt="Upromise - Join Now 125x125" src="http://www.ftjcfx.com/image-2822544-10428400" style="float:right;margin:0 5px 15px 15px;" /></a>First, a little backstory. <a href="http://www.anrdoezrs.net/click-2822544-10575137?sid=1098676&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Standard" target="_blank">Upromise</a> has been around since 2001. It has millions of members, although it doesn't disclose how many. The company has paid out nearly $800 million to customers. About $14 million of that was from the 2012 holiday season alone.</p> <p>Upromise has over 950 stores. Of those, 850 offer 5% cash back. The rest of the stores' rates vary. The site offers both a Daily Deal (one store with increased cash back) and a Daily Double (one store with double cash back). Currently, there are 24 stores offering extra cash back during the holidays.</p> <p>You can also earn cash back offline if you link credit/debit cards to your account. When you use those cards, you'll get cash back on:</p> <ul> <li><strong>Gas:</strong> One cent per gallon from Exxon or Mobil when you buy 20 or more gallons in a month.<br /> &nbsp;</li> <li><strong>Grocery coupons:</strong> Load coupons directly onto your shopper's cards. Each one redeemed will earn you cash back. The amount varies per coupon.<br /> &nbsp;</li> <li><strong>Dining:</strong> You'll earn between 2%-8% cash back at eligible restaurants, including tax and tip. The rate increases as your year-to-date spending increases.<br /> &nbsp;</li> <li><strong>Life insurance:</strong> Get 5% back on your policy's cash value, as well as a portion of your premiums.<br /> &nbsp;</li> <li><strong>Buying/selling a home:</strong> Use Century 21 and get $3,000 if you buy or sell your house. Get $6,000 if you buy <em>and</em> sell with Century 21.</li> </ul> <p>Want to increase your cash back even more? Get the <a href="http://www.wisebread.com/upromise-world-mastercard-credit-card-review">Upromise Mastercard</a> for even more cash back.&nbsp;</p> <p>Rebates generally post between 10-45 days. If one doesn't appear, you can make an inquiry on the 46th day after receiving your items. Once they do post, your rebates will become available between 45-90 days.</p> <p>Once you have a $10 available balance, you have four options to redeem the cash back:</p> <ul> <li><strong>Check:</strong> You can have a check mailed to you.<br /> &nbsp;</li> <li><strong>529 plan:</strong> Your cash back can be deposited into a 529 college savings plan. Friends and family can sign up as guests on your account to pitch in, too.<br /> &nbsp;</li> <li><strong>Savings account:</strong> Open a Sallie Mae high yield savings account. You'll get a 10% annual match for all Upromise earnings.<br /> &nbsp;</li> <li><strong>Loan payoff:</strong> Already have a Sallie Mae loan? Apply your rebates to your repayment. You can get a 2% match.</li> </ul> <p>The sheer breadth of options on this site is staggering. That said, even the best programs have small issues. Here are the ones I noticed:</p> <ul> <li>950 online stores is significantly fewer than most sites.<br /> &nbsp;</li> <li>You don't get a registration bonus.<br /> &nbsp;</li> <li>Its referral program is the worst I've seen, offering only 25 cents per referral.<br /> &nbsp;</li> <li>The wait for an inquiry is far longer than any other site. Compare 45 days after you receive the items to 7-30 days after the order date for other cash back sites.<strong><br /> </strong></li> </ul> <h3>ShopAtHome</h3> <p><a href="http://www.shopathome.com/" target="_blank"><img alt="" src="http://static2.killeraces.com/files/fruganomics/shopathome.jpg" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.shopathome.com/" target="_blank">ShopAtHome</a> began in 1986 as a printed &quot;Catalog of catalogs&quot; run by a husband and wife team. Today the site has 60 million customers and has paid out over $50 million in rebates. That number will jump during the holiday season, when a large number of stores will offer increased cash back rates.</p> <p>It lists 200,000-300,000 coupons from 50,000 stores. Of those, 5,000 stores offer cash back. The site also has a &quot;Shopping News&quot; section with articles about holiday deals, crafts, personal finance, and more.</p> <p>New customers get a $5 registration bonus. Refer people to get a $5 bonus, as long as your referral makes a purchase within 30 days. There is no minimum amount for the qualifying purchase.</p> <p>If your rebate doesn't post within 30 days, you have one month to open an inquiry.</p> <p>Rebates become available after 30-60 days, depending on when in the month they post. For example, both a November 1st and a November 30th purchase would be available on January 31st. Your account needs to have $20 in available rebates to receive payment. Referral bonuses and other site rewards don't count toward that amount. Checks are sent at the end of the month.</p> <p>Here are the issues I found for the site:</p> <ul> <li>$20 is at least twice what most sites require for payout.<br /> &nbsp;</li> <li>Checks are the only way to receive payment. I prefer PayPal.<br /> &nbsp;</li> <li>30 days is a very short period for a referral to make a purchase. The next lowest is 90 days.<br /> &nbsp;</li> <li>It doesn't offer Amazon. (My purchases are never in qualifying categories anyway, but it might be an issue for some of you.)</li> </ul> <p><strong><a href="http://www.shopathome.com/" target="_blank">Click here to apply now for ShopAtHome</a></strong></p> <h3>FatWallet</h3> <p><a href="http://www.fatwallet.com/?referral=kaaff" target="_blank"><img alt="" src="http://static1.killeraces.com/files/fruganomics/button-fatwallet.jpg" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.fatwallet.com/?referral=kaaff" target="_blank">FatWallet</a> began as a coupon site in 1999. Two years later, it began to offer cash back shopping. Today it lists more than 1,600 stores and about 20,000 coupons. It has paid out nearly $45 million to its three million customers.</p> <p>While there is no registration bonus, referrals will net you $5. To be a valid referral, the person must make $25 of purchases within a year of signing up.</p> <p>FatWallet has a forum with an extensive set of subject threads. You can find information on credit card offers, store rewards programs, technology, grocery coupons, and travel. There's even a coupon trading thread.</p> <p>Each day, one store will have double cash back. It is for 24 hours only, so it's probably best to sign up for email alerts. Currently, the site has more than 100 stores offering extra cash back for the holidays.</p> <p>One thing I like about the site is its attention to stores' gift card policies. Most stores won't commission orders that use GCs. However, FatWallet tries to make notes about these policies on the merchant pages. You can click &quot;Cash Back Details&quot; and be shown whether cash back is available for purchase or redemption of gift cards.</p> <p>Perhaps the most exciting innovation, though, is the Black Friday deal finder. This tool is available on the site but also as an iOS or Android app. It lets customers prepare for the big day by reviewing leaked Black Friday ads and comparing prices across different stores. Customers will even able to sort by price range to help them stay under budget.</p> <p>The deal finder also offers two-click shopping for many of the advertised deals. In those cases, customers can purchase items without having to visit the merchant's site. Instead, they click on the deal, input their payment information, and then click to confirm the purchase. The transactions will still be tracked, even without the usual click-through.</p> <p>FatWallet asks customers to wait two weeks after the shipping date before reporting a missing order. Customers need to open an inquiry within 60 days.</p> <p>Rebates take up to 90 days to become available, depending on how long it takes FatWallet to get its commissions from the store. The payout threshold is $10. Referral bonuses do count toward the minimum.</p> <p>Once you have enough to request payment, you can choose check or PayPal. Payment is issued within 30 days of your request.</p> <p>The only real negative here is that Fat Wallet doesn't offer a registration bonus.</p> <p><strong><a href="http://www.fatwallet.com/?referral=kaaff" target="_blank">Click here to apply for FatWallet</a></strong></p> <h3>Ebates</h3> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D" target="_blank"><img alt="" src="http://www.ebates.com/referral/2012/global_files/images/ebates_logo.png" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D" target="_blank">Ebates</a> has offered cash back since 1998. It has more than 1,600 stores listed for its 12 million members. It has paid out $85 million in the last 15 years.</p> <p>You'll get $5 for signing up. You can get another $5 for referrals, as long as they make $25 of purchases within 90 days.</p> <p>The site also has frequent bonus offers for referrals. Usually, it's double the referral bonus if you get three or more qualifying signups. However, it's doing something a little different this holiday season. If you refer two people, you will get a $40 bonus, for a total of $50. For the more ambitious among you, you can get a $100 bonus for five referrals, a $250 bonus for 25 referrals, and so on. The catch? The purchases must be made by the end of the year.</p> <p>Normally, Ebates features two stores with double cash back. In addition, it has a few stores each week offering higher rebates. During holidays, you will see quite a few stores offering extra cash back. The site is currently having its &quot;November Kickoff Sale&quot; for the holidays, with 21 stores offering double cash back.</p> <p>Ebates offers a unique feature called the Cash Back Button, which you install on your browser. It will alert you to stores that offer cash back when you do product or store searches in search engines. In some cases, it allows you to skip actually clicking through to Ebates.</p> <p>The site also has a blog. It features posts on deals, coupons, fashion, and the plentiful Ebates contests. Recent giveaways include a Keurig coffee maker and a $150 Crate &amp; Barrel gift card.</p> <p>If your rebate does not appear within a week, Ebates lets you open a claim. This ties Extrabux for the earliest possible inquiries. If you're not quite that on the ball, just make sure you report it within 90 days.</p> <p>Ebates pays quarterly, so rebates become available anywhere from 30-120 days after the purchase. Payments are sent out 15 days after the quarter ends. For example, orders made between October 1st and December 31st will be mailed February 15th.</p> <p>You need to have $5.01 in rebates to be eligible for a payment. This does not include referral, registration, or other bonuses. If you have enough in your account, the system will automatically send you a check.</p> <p>A couple items of concern:</p> <ul> <li>It pays only four times a year. All of the other sites I've seen offer the option of monthly payment.<br /> &nbsp;</li> <li>I'm not a fan of automatic payment. I like the option of letting my rebates grow. (On the other hand, this way you never forget to request a payment.)<br /> &nbsp;</li> <li>The site's cash back rates tend to be on the lower side.</li> </ul> <p><strong><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D" target="_blank">Click here to apply for Ebates</a></strong></p> <h3>Extrabux</h3> <p><a href="http://www.extrabux.com/r/52793006dc" target="_blank"><img alt="" src="http://static2.killeraces.com/files/fruganomics/extrabux-logo.png" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.extrabux.com/r/52793006dc" target="_blank">Extrabux</a> has been around since 2006. It has more than 2,500 stores, which have generated over $4 million in rebates for the site's customers. As of January 2012, the site had 150,000 customers. Apparently, it has been growing exponentially in the past year.</p> <p>Extrabux seems fond of the number five. You'll receive a $5 bonus when you open an account. You'll get a $5 bonus once a referral has made a $5 purchase. You'll also get 5% of any bonuses your referral makes for the first year.</p> <p>As with Ebates, Extrabux will consider missing rebate inquiries after just one week, and the inquiry period is also 90 days.</p> <p>Once a rebate has posted, it will become available after 90 days. The payment threshold is $10. Referral bonuses do count, but you must have at least $1 in actual rebates.</p> <p>You can receive funds by check, PayPal, or as a credit on your debit or credit card. You have to request payment, and the funds will be sent within five business days. Allow an extra five for payments to credit cards.</p> <p>I can't find any fault with this site.</p> <p><strong><a href="http://www.extrabux.com/r/52793006dc" target="_blank">Click here to apply for ExtraBux</a></strong></p> <h3>Mr. Rebates</h3> <p><a href="http://www.mrrebates.com?refid=913170" target="_blank"><img alt="" src="http://mr_ads.s3.amazonaws.com/mr_1_125x125.gif" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.mrrebates.com?refid=913170" target="_blank">Mr. Rebates</a> was founded in 2002. It has more than 2,500 stores and a million members.</p> <p>Normally, the registration bonus is $5. Wise Bread readers, however, get a $7.50 registration bonus by signing up through the link above.</p> <p>Mr. Rebates features a Store of the Week with extra cash back. The site offers extra cash back at many merchants for holidays throughout the year. Currently, more than 500 stores have increased cash back rates for early holiday shoppers.</p> <p>Also during some holidays, the site offers daily giveaways. This fall, Mr. Rebates gave out several iPad Minis for back-to-school season. Between Black Friday and Christmas Eve, it will give away five $100 bonuses each day.</p> <p>Rather than a set dollar amount for referrals, Mr. Rebates offers customers 20% of their referrals' rebates for the life of the account. I think this system is far more profitable for us referrers. Despite a relatively modest readership, I've earned over $650 in referral bonuses in the last four years.</p> <p>Customers can inquire about missing orders 30-90 days after the order date. Customers can inquire about discrepancies in the rebate amounts after seven days.</p> <p>Rebates take 90 days to become pending. Once you have $10 available, you can request payment by check or PayPal. Referral bonuses do count toward the minimum. In fact, the entire payment can be from referral bonuses.</p> <p>Payments are processed on the first of the month following your payment request.</p> <p>I only found two potential issues:</p> <ul> <li>It doesn't offer Amazon. Again, not something that I'm affected by, but you may feel differently.<br /> &nbsp;</li> <li>It has one of the longer waits to open a rebate Inquiry.</li> </ul> <p><strong><a href="http://www.mrrebates.com?refid=913170" target="_blank">Click here to apply for MrRebates</a></strong></p> <h3>BigCrumbs</h3> <p><a href="http://www.bigcrumbs.com/crumbs/landing.do?r=kabigcrumbs&amp;s=96912" target="_blank"><img alt="" src="http://static1.killeraces.com/files/fruganomics/big-crumbs.png" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.bigcrumbs.com/crumbs/landing.do?r=kabigcrumbs&amp;s=96912" target="_blank">BigCrumbs</a> started in 2005. Of the 9,300 stores listed on its site, more than 1,300 offer cash back.</p> <p>Like FatWallet, the site has its own forum. Frankly, the one on BigCrumbs seems less substantive. Still, it appears to be used relatively regularly, so some customers must find it helpful.</p> <p>BigCrumbs boasts that its rates are higher than Ebates'. It didn't seem to compare itself to any other cash back shopping sites.</p> <p>There is no registration bonus, but it does have a unique referral system. Bonuses extend to the second generation. This means that you receive bonuses for purchases your referrals make and for purchases <em>their</em> referrals make.</p> <p>Unfortunately, the deal isn't necessarily as good as it sounds. Unlike Extrabux and Mr. Rebates, BigCrumbs doesn't have a set percentage for referral bonuses. The bonuses vary by merchant, with some stores (like Macy's or The Body Shop) not offering any bonus at all.</p> <p>If a purchase is missing, you can open an inquiry after two weeks. Rebates become available between 30-60 days after they post.</p> <p>The payout threshold is $1 and payments are sent automatically. Customers can only receive cash back by PayPal. There is a 2% processing fee, up to $1. Payments are sent out in the middle of the month. This means that purchases made in November would be paid on January 15th.</p> <p>My issues with the site:</p> <ul> <li>There's once again no registration bonus.<br /> &nbsp;</li> <li>The referral system is confusing and difficult to track.<br /> &nbsp;</li> <li>The referral rates are low. However, it may be that the second generation of referrals helps this. It's hard to say for sure.<br /> &nbsp;</li> <li>There's only one method of payment. I'm sure cutting out the check option saves money, but it can also alienate some would-be customers.<br /> &nbsp;</li> <li>This is the only site I've seen with payment processing fees.</li> </ul> <p><strong><a href="http://www.bigcrumbs.com/crumbs/landing.do?r=kabigcrumbs&amp;s=96912" target="_blank">Click here to apply for BigCrumbs</a></strong></p> <h3>BeFrugal</h3> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC" target="_blank"><img alt="BeFrugal.com" src="http://www.befrugal.com/btn/befrugal_button125x125.gif" style="float:right;margin:0 5px 10px 10px;" /></a><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC" target="_blank">BeFrugal</a> began as a coupon site in 2009 and branched out into cash back in 2011. It lists more than 3,000 stores.&nbsp;<span style="line-height: 1.6em;">You get $5 for each referral that has made $25 or more in purchases.</span></p> <p>BeFrugal has a couple of notable highlights:</p> <p>First, it has a coupon guarantee. If you make an order with a non-working coupon, your account will be credited $5.</p> <p>You have to contact customer service within 24 hours, and it has to be an order that actually qualifies for the discount. (Read carefully, folks.) A customer can only get one adjustment for a given store each year, so no getting greedy.</p> <p>More notably, BeFrugal has a 125% cash back rate guarantee. If you make a purchase through the site and then discover a higher rate on elsewhere, that rate will be matched 125%.</p> <p>As with the other guarantee, you need to notify customer service within 24 hours and supply the receipt. You need to provide a link to the other, higher rate. You also need to supply your order receipt and the other cash back site's link.</p> <p>There is a maximum adjustment of $25, and only one adjustment per member per store. Notice that it doesn't say per member per store <em>per year</em>. It just says per store. It seems that you only get one shot at that higher rate.</p> <p>If your BeFrugal.com rebate doesn't post, you can make an inquiry 10-60 days after the order date.</p> <p>Your rebates become available after 90 days. Once you have $25 of rebates &mdash; registration and referral bonuses don't count &mdash; you can request payment by check or PayPal.&nbsp;</p> <p>A few issues I have:</p> <ul> <li>This is the highest payout threshold I've seen.<br /> &nbsp;</li> <li>The guarantees are interesting features, but I feel like they're misleading.</li> </ul> <p><strong><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC" target="_blank">Click here to apply for BeFrugal</a></strong></p> <h2>Which One's Best?</h2> <p>None of them.</p> <p>Stores and rates both vary by site. If you try to use just one site, there's a good chance you'll be cheating yourself. For the best deals, it's best to use at least two cash back websites.</p> <p>Some people are hesitant to do this. They think the comparisons would become dizzying or would take too long. Bookmarking the sites can help, especially if you can put them in your bookmarks toolbar. Then comparing cash back rates just requires a couple of quick clicks.</p> <p>If that still seems like too much, just use two or three. Based on cash back rates and stores offered, <a href="http://www.extrabux.com/r/52793006dc" target="_blank">Extrabux</a>, <a href="http://www.shopathome.com/" target="_blank">ShopAtHome</a>, and <a href="http://www.mrrebates.com?refid=913170" target="_blank">Mr. Rebates</a> are your best bets. If you want more earning options, substitute <a href="http://www.anrdoezrs.net/click-2822544-10575137?sid=1098676&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Standard" target="_blank">Upromise</a> for one of the three.</p> <p>&nbsp;</p> <h2>Tips for Avoiding Cash Back Newbie Mistakes</h2> <p>Like everything in life, cash back shopping comes with caveats. There are things that can negate your cash back.</p> <p>Remember, cash back sites fund customer rebates with merchant commissions. If a store won't compensate the site, the site can't compensate you. So you need to make sure your purchase is credited to the rebate site.</p> <p>Unfortunately, there are a few things that can interfere with the tracking and crediting of orders. I've listed the issues in descending order of likelihood.</p> <p><strong>1. Accept Cookies</strong></p> <p>First and foremost, <em>make sure you have cookies enabled</em>! Merchants need those cookies, or they can't track where the order originated. If they can't track it, they won't commission the site, which then can't give you a rebate. Remember: no cookies, no credit.</p> <p><strong>2. Avoid Outside Coupons</strong></p> <p>This restriction is probably the most confusing because it's not a hard and fast rule. If you use coupons from outside the cash back site, you may void your rebate. Note the &quot;may.&quot;</p> <p>Offers listed on the cash back site itself are fine. Ones listed on the store's main site shouldn't interfere with the rebate. They need to be available to anyone who visits the website, though.</p> <p>Beyond that, you're getting into murky areas. If you use a coupon you found on the Internet, it may be exclusive to a specific affiliate partner. You can click through any cash back site you want, but the coupon will credit your order to the other affiliate.</p> <p>Oh, and those special offers the store sends you directly? That's a minefield, too. Some of those are just notifications of great offers. Others are exclusive specials that will credit your order to a marketing campaign instead of the cash back site.</p> <p>I think the best solution is to hope for the best but accept the worst. Most of the time, the coupon is going to be better than the cash back rate. In that case, try to use both, but be prepared to lose out on cash back.</p> <p>On the other hand, if the rebate is better than the coupon, err on the side of caution and just stick with the rebate. Otherwise, you're jeopardizing more money than you're saving.</p> <p><strong>3. Don't Surf</strong></p> <p>Savvy shoppers love to compare prices and cash back rates. It's a great idea &mdash; as long as you do it before you hit the cash back site.</p> <p>The rebates site you use needs to be your last click in <em>any</em> tab or window. Anything else may credit your order to another site. It's best to figure out what you want, close other tabs/windows, and then click through the cash back site, completing your purchase in a quick and orderly fashion.</p> <p>If you do accidentally click another link, go back and click the cash back site's link again. That <em>should</em> override any new cookies.</p> <p><strong>4. Don't Count on Gift Cards</strong></p> <p>This one's a doozy. Most stores won't offer rebates for orders that involve buying or using gift cards. Then again, some will.</p> <p>As I mentioned earlier, FatWallet is an excellent guide for navigating these waters. Mr. Rebates has a &quot;Gift Cards&quot; section that includes stores who accept the purchase of gift cards.</p> <p>It's worth mentioning that FatWallet and Ebates have a rather unique policy for gift cards. They will commission you for however much of the order wasn't paid for with a GC.</p> <p><strong>5. Don't Count on Store Credit/Rewards, Either</strong></p> <p>Store credit is sort of, kind of the same as a gift card. In general, it's best to assume they'll mess up your rebate. Store rewards are similar, in that merchants usually consider the orders to be generated by their loyalty or rewards programs.</p> <p>As with outside coupons, you can always try to stack cash back and store rewards. Just don't use $1 of store rewards that might negate a $20 rebate, OK?</p> <p><strong>6. Cash Back Site First, Shopping Cart Second</strong></p> <p>Some people find it easiest to load up their cart and <em>then</em> click through the cash back site. Bad idea.</p> <p>For most stores, it's perfectly fine. However, there are some stores that are more finicky. They'll only credit the cash back site for items placed in the cart after the affiliate link is clicked. Staples is especially bad about that, but there are others</p> <p>It's best to err on the side of caution, no matter which merchant you use, and just make sure your cart is empty.</p> <h2>Last word: cash back shopping is worth the effort.</h2> <p>You're now armed with knowledge that most new cash back shoppers don't know. They have to learn it over time and endure the headache of &quot;missing&quot; rebates. Reading through all these tips is going to save you a lot of hassle.</p> <p>Also, cash back sites know there's a learning curve to the process. They'll try to give you the benefit of the doubt (read: courtesy credits) when possible (read: a finite number of smaller rebates) while you learn the ropes.</p> <p>At the end of the day, you still have the opportunity to earn money for just visiting one extra site. Isn't that worth a little trial and error?</p> <p><em>Do you shop via a cash back rebate site? Which one? What tricks do you use to get the most back from your purchases?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/abigail-perry">Abigail Perry</a> of <a href="http://www.wisebread.com/ultimate-guide-to-cash-back-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-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/the-5-best-door-locks">The 5 Best Door Locks</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-5-best-tents">The 5 Best Tents</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-5-best-universal-remotes">The 5 Best Universal Remotes</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/the-5-best-bluetooth-keyboards">The 5 Best Bluetooth Keyboards</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/10-great-gift-ideas-for-geeky-fanboys-and-fangirls">10 Great Gift Ideas for Geeky Fanboys and Fangirls</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Buying Guides buying guide cash back shopping coupons rebates Thu, 21 Nov 2013 11:36:06 +0000 Abigail Perry 1098676 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-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/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> <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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/filler-strategies-for-amazon-s-free-super-saver-shipping">Filler Strategies for Amazon’s Free Super Saver Shipping</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/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</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 Are Rebates Worthy of You? http://www.wisebread.com/are-rebates-worthy-of-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/are-rebates-worthy-of-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000004760539XSmall.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>With a new year, many of us may have the illusion that time management can be increased in our lives. Time management, weight management, and money management are likely the three most popular resolutions that return to the scene year after year for most of us. It makes sense. But what doesn&rsquo;t make sense are the little things in life that we continue to do even though they violate the promise we made to ourselves to do better this time.</p> <p>One such item that can be a strain on both time and money management skills is the Rebate. Sure, it sounds like a good deal to get $5 back on a $5 purchase, but like most things in life, rebates are not that simple. In fact, after credit card shenanigans, more consumers complain about rebate hassles than anything else &mdash; and rightly so. Have you ever tried getting money from a big corporation? Not so easy, is it?</p> <p>Of course it&rsquo;s not easy. Companies make it hard for anyone to cut into their profit margin. If rebates were easy then everyone would be pursuing them. So why bother? From the company&rsquo;s perspective, offering customers money back makes them look good. With nearly everyone struggling to make ends meet, or at least have enough cash put aside for the future, people will continue to flock to the places that give them the best deals. However, a wise consumer remembers what their mother told them &mdash; if it looks too good to be true &mdash; it probably is.</p> <h3>Rebates Not the Best Incentive</h3> <p>Companies are stepping up to make rebates more attractive so they can trounce the competition. Rebates are very popular in the cell phone industry. But for the consumer, the process of actually getting a rebate is less than attractive. In most cases, you have to pay full price at the time of purchase and log on later to the company&rsquo;s website to follow through another process of claiming the rebate. Those without Internet access will have to spend even more money on the cost of postage for mailing in receipts and rebate forms. The forms, electronic and paper, usually take some time to complete. Then, after completing all the paperwork, you will likely find yourself waiting at the mailbox for 6-8 weeks, if not longer, to secure that $2.00 rebate check. Worth it? Perhaps, if you have nothing else going on in your life.</p> <h3>Rebate Debit Cards Failing</h3> <p>A newer tactic companies are giving customers is the rebate amount in the form of a debit card. Sounds convenient enough but there are many consumer complaints about the debit cards not working past a certain amount. For instance, you get a rebate card of $30. You charge $27.98 on the card and the next time you go to use it, it isn&rsquo;t accepted. Oftentimes stores won&rsquo;t even let you use a debit card unless the total on the card exceeds the amount due.</p> <h3>Rebate Trickery</h3> <p>Some companies not only make it hard to get the rebate, they make it easy to get one over on the consumer. Imagine going to a store to make a purchase, anticipating an instant $20 rebate only to discover after looking at your receipt at home the company actually charged you an additional $20. It happens more than consumers realize. Failure to check receipts or rebate requirements leaves many consumers not only out the rebate amount but paying more for the item out of their own pockets.</p> <h3>Rebate Scams</h3> <p>Sadly, there are still those who profit off consumers trust. &lsquo;Rebate&rsquo; checks are sent to unsuspecting consumers that, once cashed, actually trigger charges on consumer bank accounts. Consumer who don&rsquo;t read the fine print are often surprised to find that the fine print actually states cashing the check is an agreement to enroll in some kind of program that costs consumers ridiculous amounts of money each month. This is certainly not a hassle you want to undertake in your busy life. Rebate checks have a history of taking a long time to get so if your rebate pops up in the mail in a day or two, it may be a clue that something is not on the up and up.</p> <h3>To Rebate or Not to Rebate</h3> <p>Depending on your experience with rebates and retailers, there may still be a few good rebates out there that are worth your time and effort. But they are becoming few and farther between. Instead, it is recommended that you search out legitimate money saving offers that aren&rsquo;t dependent on a rebate. Pay attention to the regular price of the item when you are shopping or comparing goods. Consider that there is never any guarantee you&rsquo;ll get your money back.</p> <p><em>What are your experiences with rebates?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/are-rebates-worthy-of-you">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/how-to-get-a-groupon-refund-when-a-company-closes">How to Get a Groupon Refund When a Company Closes</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-buy-one-get-one-free-is-usually-a-bad-deal">Why &quot;Buy One Get One Free&quot; Is Usually A Bad Deal</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/ultimate-guide-to-cash-back-shopping">Ultimate Guide to Cash Back Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping money back rebate checks rebates savings Tue, 12 Jan 2010 15:00:02 +0000 Tisha Tolar 4568 at http://www.wisebread.com You Can’t Save if You Don’t Try http://www.wisebread.com/you-cant-save-if-you-dont-try <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-cant-save-if-you-dont-try" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/another costanza wallet.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p class="MsoNormal">There has been much discussion about whether certain money-saving strategies are worth your time.<span> </span>Our own Philip Brewer <a href="/i-turn-down-free-money">recently gave his two-cents</a> on how much his time may be worth in relation to some of the more popular &ldquo;free money&rdquo; offers out there (great article).<span> </span>In a recent article in Parade Magazine, <a href="http://en.wikipedia.org/wiki/Tim_Harford">Tim Harford</a> alerts us to &ldquo;Bargains That Aren&rsquo;t.&rdquo;<span> </span>Here&rsquo;s why I disagree, and how I&rsquo;ve successfully cashed in where others have walked away.</p> <p class="MsoNormal">The &ldquo;Bargains That Aren&rsquo;t&rdquo; article is available online for anyone who wants the unabridged scoop.<span> </span>Basically, it gives six common ways people try to save money and how behavioral economists have deemed them to be more harm than good.<span> </span>While the article does bring up some valid points, there are always ways around the lure of spending more, and many disciplined shoppers (including myself) have found at least some of them to be great opportunities to stash some cash.<span> </span>Let&rsquo;s take a look at the presumptive examples:</p> <p class="MsoNormal"><strong>Anything you buy on credit</strong> &ndash; I don&rsquo;t disagree with Mr. Harford&rsquo;s stance that using a credit card can lead to higher spending habits.<span> </span>The sky-high consumer debt numbers confirm this fact.<span> </span>But to discount the value that a low-interest rate card in the right hands can have is irresponsible.<span> </span><a href="/top-seven-reasons-why-i-use-my-credit-card-for-everything">When handled the right way</a>, credit cards have provided many people with liquid funds when they need it.<span> </span>Small business owners, especially, find credit cards to be the tool they need to succeed and thrive.<span> </span>(I myself have been fortunate enough to have a variety of very good cards to help in my business purchases while waiting on client payments.<span> </span>Plus, I can&rsquo;t even tell you how much I&rsquo;ve earned in rewards!)<span> </span>By keeping my <a href="http://www.credit.com/credit_information/credit_help/Credit-Improvement-Your-Amount-of-Debt.jsp">debt to available credit ratio extremely low</a>, my credit score has increased dramatically over the past two years &ndash; from average to excellent with relatively little effort.</p> <p class="MsoNormal"><strong>Mid-Ranged Products</strong> &ndash;<span> </span>I&rsquo;ll file this topic into my &ldquo;Good to Know&rdquo; folder.<span> </span>I hadn&rsquo;t totally considered the effects that marketing certain high-end products could have on purchasing decisions at the mid-price level.<span> </span>(Although I doubt it affects me too much &ndash; I&rsquo;m more of a &ldquo;<em>I got it on <a href="/free-category-on-craigslist-to-be-renamed-haul-away-my-old-bulky-broken-crap-for-free">Craigslist</a></em>&rdquo; type of girl.)</p> <p class="MsoNormal"><strong>Manufacturer&rsquo;s Rebates</strong> &ndash; You don&rsquo;t have to be a <a href="/trying-out-cvs-madness">CVS fangirl</a> or a couponaholic to understand how unfounded it is to claim that rebates are all-in-all a bad deal.<span> </span>The article claims that less than half of all rebates are successfully redeemed (and therefore leads readers to believe they should be avoided.)<span> </span>But why is this?<span> </span>While I admit that some companies have made it increasingly difficult to redeem rebates, it isn&rsquo;t exactly rocket science.<span> </span>If you want that $25 back on a PC upgrade, make a copy and mail your stuff in on time.<span> </span>If you don&rsquo;t want it, don&rsquo;t do anything.<span> </span>But please don&rsquo;t assume that it&rsquo;s something most people can&rsquo;t get a grasp on.<span> </span></p> <p class="MsoNormal">If you really want the money, you&rsquo;ll follow through.<span> </span>And while rebates can &ldquo;lure&rdquo; many into buying something they don&rsquo;t want or need, I am a living example of the opposite.<span> </span>I have waited months (even years) to find the right combination of sale price and rebate to get luxury items at almost no cost and not effort.<span> </span>My favorite purchases (including my iRobot Roomba) were examples of successful rebates.<span> </span>To date, I&rsquo;ve had little to no trouble redeeming them through reputable companies when following their guidelines.</p> <p class="MsoNormal"><strong>An Ebay Auction Deal</strong> &ndash; Here is another example of where consumers are presented as the &ldquo;victims&rdquo; in this article. The allure of auctions is made out to be so powerful that many don&rsquo;t know when to stop bidding, thus paying more for their purchases than they would have otherwise.<span> </span>I equate this to gambling in some ways.<span> </span>The thrill of the bid is a sign of deeper problems, in my opinion.<span> </span>(And the article actually gives some good advice to pick a price and walk away if the auction goes any higher.)</p> <p class="MsoNormal"><strong>Free Stuff</strong> &ndash; I&rsquo;ll agree with the article on this point (kind of.)<span> </span>People tend to buy something overpriced or unnecessary because of the emotional reaction that getting another item &ldquo;free&rdquo; can give them.<span> </span>This is obviously not a good choice.<span> </span>The article went on, however, to compare buying a overpriced DVD player (with free DVD) to <a href="/special-events-that-will-cost-you-nothing">free entry into a museum or gallery</a> (claiming that the time spent in line is most costly.)<span> </span>It is still up to each individual to <a href="/pay-attention">decide what their time is worth</a> &ndash; please don&rsquo;t decide this for me.</p> <p class="MsoNormal"><strong>Yearly Gym Memberships</strong> &ndash; This one is either a great deal or not.<span> </span>It&rsquo;s up to you and your lifestyle entirely.<span> </span>The key is to know yourself well enough to know if you will <a href="/gym-class-the-diy-difnf-thesis">really use that membership</a>, and plan accordingly.</p> <p class="MsoNormal">The Parade article has readers&rsquo; best interests in mind, I&rsquo;m sure.<span> </span>But I try to avoid generalizing consumers&rsquo; spending habits by labeling any deal as a time-waster, a money-trap, or beyond the comprehension and abilities of all shoppers.<span> </span>Instead of crossing rebates, auctions, and the other &ldquo;bargains&rdquo; off the savings list, why not teach the steps to success and let buyers make the right choices for themselves?<span> </span>While these ideas aren&rsquo;t for everyone, you might just be surprised at your own financial savvy &ndash; when you take the time to learn and try!</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/you-cant-save-if-you-dont-try">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-3"> <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/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</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/double-coupons-they-could-cost-you">Double Coupons – They Could Cost You!</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/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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/what-will-be-pulled-off-the-shelves-the-impact-of-the-nwe-consumer-product-safety-improvement-act">What will be pulled off the shelves? The impact of the new Consumer Product Safety Improvement Act</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-make-your-own-soda-tidy-a-room-in-three-minutes-cure-a-hangover-and-become-a-movie-extra-phew">How To Make Your Own Soda, Tidy A Room In Three Minutes, Cure A Hangover And Become A Movie Extra. Phew!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Consumer Affairs Shopping credit cards eBay free stuff gyms rebates saving shopping Mon, 28 Jul 2008 03:10:47 +0000 Linsey Knerl 2270 at http://www.wisebread.com Save $100 on Your Next Spa Visit by Buying Cold Medicine http://www.wisebread.com/save-100-on-your-next-spa-visit-by-buying-cold-medicine <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-100-on-your-next-spa-visit-by-buying-cold-medicine" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/spa flower.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="247" /></a> </div> </div> </div> <p class="MsoNormal">We&rsquo;ve been hearing a lot about how you can save money by shopping at Walgreens lately.<span> </span>Their recent <a href="/walgreens-will-fill-that-ink-cartridge-for-free-deal-over">free ink refill promotion</a> and their always popular <a href="/free-shopping-at-walgreens">rebates</a> have been making them a great place for frugal shoppers to visit.<span> </span>Walgreens is again offering a unique and potentially very valuable rebate, when you purchase from a select list of Wyeth items, that can be used on spa services!</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">Here are the details:</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">We&rsquo;ve been hearing a lot about how you can save money by shopping at Walgreens lately.<span> </span>Their recent <a href="/walgreens-will-fill-that-ink-cartridge-for-free-deal-over">free ink refill promotion</a> and their always popular <a href="/free-shopping-at-walgreens">rebates</a> have been making them a great place for frugal shoppers to visit.<span> </span>Walgreens is again offering a unique and potentially very valuable rebate, when you purchase from a select list of Wyeth items, that can be used on spa services!</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">Here are the details:</p> <p class="MsoNormal">&nbsp;</p> <ul> <li class="MsoNormal">Visit <a href="http://www.walgreenssparewards.com/">WalgreensSpaRewards.com</a> for a full list of eligible items that must be purchased at a Walgreens store in the SAME transaction.<span> </span>(Centrum, Advil, and Dimetapp are just a few.)</li> </ul> <ul> <li>For every 2 items you buy, you are eligible for a $50 reward.<span> </span>For every 4 items you buy, you are eligible for a $100 reward.</li> </ul> <ul> <li class="MsoNormal">Be sure to pick up the Walgreens Easy Saver Rebate form at your local Walgreens.<span> </span>This contains the submission form you will mail in with your receipt.<span> </span>If your store is out, ask a manager for an additional form, or visit the <a href="http://www.walgreens.com/store/rebateclub.jsp">Walgreens</a> website to download and print a copy.</li> </ul> <ul> <li>Follow the directions carefully for rebate submission.Include your receipt with your form and mail to the address of the form.(I suggest making a copy for your records just in case.)</li> </ul> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">You have until November 24, 2007 to make your purchases.<span> </span>You will receive your rebate in the form of a <a href="http://www.walgreenssparewards.com/index_home.cfm">SpaRewards rebate</a> to be used on your next spa service purchase.<span> </span>When you get your certificate, call the number on the certificate to find a participating spa near you.<span> </span>(You can also visit the <a href="http://www.walgreenssparewards.com/spa_locator.cfm">WalgreensSpaRewards website</a> to be sure there is one near you before participating.) There is a maximum of one $100 certificate per visit. Certificates are good until March 1, 2008 so these would make great Holiday Gifts!</p> <p class="MsoNormal">[NOTE: Calls to the SpaRewards 1-800 number have given some additional information on this offer.<span> </span>Products purchased must be full sized, and the Robitussin items cannot include cough drops.<span> </span>Also, one customer service rep is quoted as saying that if your spa service is costs less than the value of the certificate, it will be free (subject to tax and tip.)]</p> <p class="MsoNormal">No matter how you slice it, this is a great rebate for simply stocking up on a few seasonal OTC items.<span> </span>Happy pampering!</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/save-100-on-your-next-spa-visit-by-buying-cold-medicine">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/free-bowling-balls-just-pay-shipping">FREE bowling balls - just pay shipping</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/get-25-dining-certificates-for-3-at-restaurant-com">Get $25 dining certificates for $3 at Restaurant.com</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/free-shopping-at-walgreens">Free Shopping at Walgreens</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/papa-john-s-offers-23-cent-pizzas-to-cleveland-cavs-fans">Papa John’s Offers 23-cent Pizzas to Cleveland Cavs Fans</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-best-places-to-find-deals-at-the-mall">The 8 Best Places to Find Deals at the Mall</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Deals cold medicine deals frugal rebates spa Walgreens Wed, 07 Nov 2007 21:10:51 +0000 Linsey Knerl 1373 at http://www.wisebread.com Free Shopping at Walgreens http://www.wisebread.com/free-shopping-at-walgreens <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/free-shopping-at-walgreens" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/walgreens.JPG" alt="walgreens" title="walgreens" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p class="MsoPlainText"><span>If you could find a way to shop at Walgreens for free, and sometimes to even get paid to shop there, would you? </span></p> <p class="MsoPlainText"><span></p> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><!--[endif]--><!--[endif]--><p></span></p> <p class="MsoPlainText"><span>If you could find a way to shop at Walgreens for free, and sometimes to even get paid to shop there, would you? </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span><a target="_blank" href="http://www.moneysavingmom.com/">Money Saving Mom</a> tends to research and share information about great coupons and deals on a regular basis. The one that caught my eye was a shopping technique used at <a target="_blank" href="http://www.walgreens.com/">Walgreens</a> whereby not only does she rarely if ever spend money out of pocket to shop there, but sometimes transactions using her strategy can even result in a negative balance! Her excellent post details the shopping process <a target="_blank" href="http://www.moneysavingmom.com/2007/10/walgreens-101-finally.html">here,</a> but below is the quick and dirty summary: </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span><strong>Rebates:</strong> The Walgreens monthly <a target="_blank" href="http://www.walgreens.com/store/rebateclub.jsp">Easy Saver Catalog</a> features lots of smokin' deals, including a selection of &quot;free after rebate&quot; items. Even the items that aren't free after rebate should be watched over the course of the month, because they may go on sale such that after rebate they'll be free or almost free. </span></p> <p class="MsoPlainText"><span>Mailing in for rebates is enough of a pain that many of us don't bother. However with a little effort, you can receive a Walgreens gift card as your rebate, which will entitle you to an additional 10% in value over opting to receive a cheque. Future rebates are credited to your existing gift card, and these rebates are processed in half the time. </span></p> <p class="MsoPlainText"><span>And of course, once you receive your first rebate gift card, your next trip to the store is partially if not fully funded, especially if you make good use of the entire Walgreens shopping strategy! (read on)&hellip;</span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span><strong>Coupons:</strong> You can find coupons in their store flyers, as well as on their website <a target="_blank" href="http://coupons.walgreens.com//index.aspx?Link=VXCRM3QRRDQPW">here</a>. You can combine both in-store coupons as well as manufacturer coupons to really get some bang for your buck. </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span><strong>Register Rewards: </strong>Upon the purchase of an eligible item, the cash register will produce a coupon for you to use at your next visit. </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span>By combining register rewards, coupons (both store and manufacturer), in-store sales, and the rebates, people have actually been known to rack up a negative balance at the cash register! Unfortunately Walgreens won't actually pay you the balance - in fact you have to add items to bring your balance back up to (at least) $0, but it still seems like a pretty decent price to pay! </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span>It strikes me that there is a lot of work involved, combing the flyers and websites for deals, stockpiling and tracking flyers for monthly deals and waiting for the right item to go on sale, then redeeming multiple coupons at the cash.</span></p> <p class="MsoPlainText"><span>However, <a target="_blank" href="http://beingfrugal.net/2007/10/20/saturday-savings-2/">others</a> have used Money Saving Mom's <a target="_blank" href="http://www.moneysavingmom.com/2007/10/walgreens-101-finally.html">strategy</a> successfully. And in the spirit of being frugal, you can't get much better than shopping for free.</span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span><em>Note: I haven't ever shopped at Walgreens since there isn't one anywhere near where I have lived to date, however given these awesome deals, I'd give it a try if I were in the area!</em></span></p> <p class="MsoPlainText"><span>Comments and advice from experienced Walgreens shoppers is welcome. </span></p> <p class="MsoPlainText"><span> </span></p> <p class="MsoPlainText"><span> </span></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/free-shopping-at-walgreens">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/ultimate-guide-to-cash-back-shopping">Ultimate Guide to Cash Back Shopping</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/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping coupons easy saver rebates register rewards Walgreens Sun, 28 Oct 2007 22:59:20 +0000 Nora Dunn 1328 at http://www.wisebread.com