REWARD YOURSELF FREE APPS THAT PUT MONEY BACK IN YOUR POCKET

 
Wouldn’t it be nice to make a little extra money on the side each month? 

We use all kinds of apps every day and I know that when it comes to all those so call reward programs most people are skeptical but, the truth is that, making money on the side does not always have to incolve a full blown small business. You can very easily make more money by doing things you already do or by doing things you love to do. We want to encourage you to earn a little extra cash (or gift cards) as a way to score some extra savings. Here is a roundup of some of our favorite ways to save money

We like SavingStarEbates  Checkout51, andSurveyMini, but our top two favorite programs are Ibotta and Swagbucks.

Savingstar




Before you shop, you select the offers that you want. After your shopping trip, you upload your receipt for processing OR simply link your local grocery store’s loyalty card with the app. You can choose for your cash to be deposited in your bank account, Paypal, or donated to a charity of your choice. What I like about SavingStar is that they usually have a “healthy offer of the week” where they list savings on produce. Coupons on produce are hard to come by, so its a great weekly score.

Ebates 

If you find that you do most of your shopping online why not get paid when you do? I do most of my own shopping online and one of my favorite ways to get cash back is via eBates.com

eBates is a website (and app) that gives you a percentage of your purchase back when you shop at one of the over 1,500 stores they are affiliated with. For instance, if you spend $100 at a specific online store affiliated with eBates and they offer 10% cash back, you will get $10 deposited into your eBates accounts.

eBates is set up so that your earnings can accumulate and so every 3 months they send you a check or make a deposit into your Paypal account.Initially I was a bit skeptical but I did some research and once I tried it, I was hooked. Basically eBates makes deals with retail stores and offers to drive sales to their websites by offering cash back discounts. They make money through commissions earned for each sale the retailer gets.




It’s free to setup and when you do you get a $10 bonus. It’s definitely a great way to earn some extra cash! They also have a great referral system where you can earn $5 for every person that sign up and uses their account make a purchase ( as long as they make a minimum purcahse of $25).

Checkout51

Is similar to Savingstar.You select products that you plan to purchase and upload your receipt after you purchase them. You usually get paid out in the form of a check after you have earned $20.

Surveymini

SurveyMini uses your location to find surveys from stores that you have frequented. It asks you some basic questions about your shopping trip and rewards you with points. Once you have earned enough points, you can cash out for giftcards. Some stores also offer you free drinks or entrees for completing the survey. Thats a win in my book!

ibotta

Have you started using IBOTTA yet?IBOTTA is the bomb when it comes to offering cash back on your grocery store purchases. Basically, it works in three ways: 




  1. You submit a receiptusing their app after you purchase a qualifying product
  2. You link a grocery store loyalty account
  3. In App purchases

Submit a receipt:

  1. Download the ibotta app.
  2. Unlock rebates: before you go shopping, unlock cash rewards by completing simple tasks (like watching short video clips, etc).
  3. Go shopping. Buy the products you’ve unlocked.
  4. Verify your purchases. Scan your product bar codes, and then submit a photo of your receipt
  5. Get cash. You will have your cash deposited into your Ibotta account within 48 hours. You can put your cash in your PayPal account, Venmo, or gift cards. 

Link a grocery store loyalty account:

  1. Sign up for IBOTTA (it’s free)
  2. Link your store loyalty account. Add your loyalty card number or associated phone number.
  3. Unlock rebates. Before you shop, unlock cashback rewards by completing simple tasks.
  4. Go shopping using your loyalty card or phone number at check out.
  5. Get cash. You’ll have the cash deposited in your IBOTTA account within 24 hours.

In App Purchases:

  1. Find & unlock mobileapps rebates. Before you shop, unlock cashback rewards.
  2. Launch app. Tap on the launch app button from the Ibotta app.
  3. Go shopping. Make a purchase within app. That’s it! You’ll receive a confirmation that the rebate is pending.Right now you’ll get $10 for usingmy referral link PLUS $10 for downloading the free app! (msugafb)

Swabucks




You Can Get Free Gift Cards For Shopping, Searching and Discovering What’s Online at Swagbucks.com

Are you using Swagbucks?Swagbucks is heaven. You get rewarded for doing things online, that you are likely already doing. When I choose reward programs to work with, I try to focus on ones that don’t cramp my style. In other words, ones that reward me for things I’m already doing. AKA I don’t have to do anything different in my life to get them. This includes: shopping online, watching videos, and finding deals online. You earn points by doing these tasks and then you turn those points into rewards– gift cards to tons of different places or cash back using PayPal. 

Check out Swagbucks! I use it to get free gift cards! Click my link to join:

http://www.swagbucks.com/?cmd=sb-register&rb=35235688&cmp=197&cxid=2003-app

Gain access to all our money savibg tips by suscribing to our monthly bewsletter.




WHEN TRACKING YOUR MONTHLY EXPENSES PAY ATTENTION TO THESE 9 DETAILS

 
Remember the last time you went out to pick up groceries and ended up feeding the family at that nice restaurant you been wanting to try? Or did you just picked up fast food, and that nice teenager overcharged you for four adult meals instead of the four kids’ meals you ordered?

You weren’t too happy.

But, hey nobody’s perfect. Not you and not fast food employees. That’s why it’s so important to double-check your bills, receipts, premiums and paychecks before they end up costing you.

Pay attention!

OK, Here are nine more everyday scenarios where it pays to pay attention.

 

  1. Shopping Receipts

 

: Between fumbling for coupons and scanning the magazine rack, it’s easy to get distracted in the grocery store checkout lane. But before you exit those automatic glass doors, stop and read your receipt carefully. If a price doesn’t look right, or a coupon wasn’t applied properly, take it to the customer service counter and get your cash back. Even if it’s just a few bucks, it’syour few bucks.




2. Restaurant Tabs

After you’ve eaten your fill at the Pizza Palace, don’t blindly throw your debit card on the table when the check comes. Waiters are busy people. Make sure yours didn’t hit a button twice or charge you for that calamari you didn’t order. Even if there’s a line of customers out the door, slow down and read your receipt first. That’s your dough, not theirs.

3. Medical Bills

Doctor bills are about as easy to decipher as hieroglyphics. So don’t feel silly if you’re confused. Call the billing department right away and have them explain the charges in plain English. Even if you aren’t sure how to read the medical mumbo jumbo, look for red flags like identical charges or no mention whatsoever of your insurance company.Never pay a bill you don’t understand.

4.. Insurance Policies

As your home value increases, so should your insurance coverage. That means you need to call your insurance agent every year or so to guarantee you still have adequate protection. While you’re at it, ask for any eligible discounts you could be missing out on—like bundling, safe driver and loyalty discounts. It never hurts to ask.

5. . Settled Debts

You settled that old credit card debt years ago—at least you think you did. So why are they billing you again? After you pay back your agreed-upon amount, keep proof filed away forever. Then if you get a duplicate $5,000 statement down the road, you can confidently point out the company’s mistake and smile as you rip it up into teeny tiny pieces.

6.Yearly Taxes

Tax software is making it easier to file your taxes from home. But it’s also making it easier to miss costly mistakes if you don’t understand all the tax-speak. According to a survey of Dave Ramsey readers, people who use a tax professional ended up saving about $800 more on their taxes. Why? Because they paid someone else to pay attention!




7. Direct Deposits

When was the last time you actually looked at your paycheck? With direct deposit, it’s easy to assume everything made its way into your bank account correctly. But your employer isn’t above making a mistake. So whether you’ve changed your tax withholding, or you’re expecting a travel reimbursement, check your check every month! You work hard for your salary, so make sure you get it.
Whether money’s coming in or going out, you need to be aware of what’s going on. When you pay attention, you put money back in your wallet. And who doesn’t want more of that?
8.Identity Theft

Bad guys don’t alert you before stealing your money. The nerve! So be vigilant about checking your online accounts for unusual purchases (even $1 or less), as these lowlifes could be waiting to clean you out. It’s also a good idea to request your three free credit reports each year to be absolutely sure no one runs up debt in your name.
9. Extended Warranties

What are the chances you’ll actually need to replace your brand-new appliance anytime soon? About zero. And retailers know it. That’s why extended warranties are so lucrative. So if you see one of these charges crop up on your bill, kindly and quickly ask for it to be removed. Like, yesterday.
 

 

 



USE YOUR TAX RETURN TO START AN EMERGENCY FUND IF YOU DON’T HAVE ONE

 
If there’s anything to like about income tax season, it’s the potential to get a nice fat check from Uncle Sam in the form of an income tax refund. And if we overlook (for just a moment) that your refund was always your money, then the bigger the better, right?

This extra income can reduce the level of stress that comes with every day’s routine, many people use their tax refund to purchase new items, like things they need for the house, services, products, vacations, some even a new car etc…

How are you planning on using your tax return?

We want to encourage you to at least start your emergency fund if you don’t have one. Using your tax return for your emergency fund will protect you from those rainy days, and it will give you the peace of mind to focus on all other areas of your life specially that one of paying off debt, saving for your kids college education and even saving for retirement.

But if you really want to maximize your refund this year, you need to work with a tax pro to file your taxes. Here’s why:





In a survey of 2,000 taxpayers, we found that people who file their own taxes get an average refund of $1,824. That’s not bad, right?

Well, get ready for a heart breaker. We wish it was all good news but

People who worked with a tax expert to file their taxes received an average refund of $2,615! That’s $840 more than the average self-filer!

There are plenty of reasons why working with a pro can result in a higher refund, but it mostly boils down to tax know-how. An experienced tax professional can keep you from making the mistakes that cost millions of taxpayers nearly $1 billion in overpaid taxes every year.

The benefits of working with a professional aren’t all about the size of your refund check. You’ll save yourself the 13 hours the average self-filer spends researching the tax code, gathering documents, and filling out forms by having trusted professional do it for you get the most of your return and invest it wisely. At the end of the day you should do what’s convenient for you, but do seriously consider building your emergency fund right now.




10 WAYS TO MAKE MONEY IN YOUR SPARE TIME

 
Looking to supplement your income without getting a second job? Maybe you’re saving for a particular goal, trying to pay down debt, or maybe you simply want a little more spending money. 

HOW THIS WORKS?

Well, quite easily actually, here are a number of the things you can do to turn your spare time into money making time. Did I remember to mention it is fun too? Learn how to make money in your spare time with these ten tips




  1. Task Rabbit

Task Rabbit connects service providers with people in their area who are looking for their services. Tasks range to everything from cleaning houses to running errands to doing handiwork. If you have a couple extra hours a week, it could be an easy way to supplement your income. Task Rabbit is in 19 cities across the U.S.; visit the website see if yours is one of them.

2 . Swagbucks 

Another way to get paid for killing time (whether in line at the bank or on your lunch break) is Swagbucks.com. Earn points for doing web searches, answering polls and surveys, watching videos and more; then redeem these points for things like gift cards.

3 . Mystery Shopping




If you can keep a secret and follow instructions, you may find mystery shopping a fun way to earn a little extra. Companies hire mystery shoppers to make sure their businesses are being run properly, and assignments could involve asking questions about a particular item, evaluating a cashier’s speed and friendliness or checking how clean the restrooms are at a restaurant.

4 . Sell Your Stuff on Amazon (AMZN)

You can make hundreds by selling unwanted goods on Amazon, such as unwanted gifts you collected over the holidays or that collection of baseball cards you’ve had since you were a kid. Search for your product on Amazon, scroll down past the “buy” options on the right-hand side and look for the button that says “Have one to sell? Sell on Amazon.” They’ll walk through how to prepare your listing and notify you when your item sells.

If you want the most time-efficient route, you can ship Amazon your goods, and Amazon will handle all the order processing and fulfillment for a cut of the total. The best way to get started with Fulfillment by Amazon is by reading the ebooks “Selling on Amazon” or “FBA for Beginners” –- free if you have a Kindle Unlimited subscription, or $2.99 if you don’t.

5 . Pet Sitting

If you’re a pet lover, you can get paid to watch people’s furry friends in their home or in the comfort of yours. Sites like Care.com,DogVacay.com and Rover.com connect you with pet owners who need everything from an overnight sitter to a sitter for a couple hours, and you can arrange assignments to match with your availability.




6  . Be A Film Extra

You are usually spending your time with nothing constructive, while companies are searching for extras to feature in films, which can be well a great opportunity for you. Here you can make pretty penny, and have lots and lots of fun too. If you cherish being an actor, this opportunity sounds most likely the best for you. All you have to do is to join a reputable agency, which you can locate with a bit of research.

7 .  Crafting

Let’s talk creativity here, you are that passionate person, with a gifted hand and mind to make unique and attractive things from simple material. So, what does it take to be good in this? Easy, just keep with the latest trends, especially the colors, stand out of the crowd and sell what others are not selling, keep trying new ideas-be creative all the way and work on retaining the existing customers besides winning new ones. With that achieved, you are going to roll your spare time over to making money.

8 . YouTube

Many have become YouTube icons, and they are making real money from viewers watching videos that they upload on the platform. This can be an ideal way of making money during your spare time, especially if you do it consistently.

There you have it; now you know how to make money in your spare time. A simple spare time activity can be so captivating and so rewarding. Just try it out and see how such effortless things work wonders.

9 . Rent Your Space

Got an extra room, floor or even storage space you’re not using? Turn it into a revenue stream by renting your home on AirBnB or RentYourSpace.net. Why let that space collect cobwebs when it could be collecting you cold, hard cash?

 





10. Sell Your Items on eBay (EBAY)

EBay’s auction-style format helps you get maximum dough for your stuff if it’s rare or popular, and you can also set a “Buy It Now” price for serious buyers who want to skip the bidding. Be sure to present your item accurately, take lots of flattering photos and write an interesting description.

THE # 1 LIE THAT WILL KEEP YOU IN DEBT

 

You ever had one of those days?

Yep! We all have!

The days when you can’t seem to get ahead with your money. Maybe you feel overwhelmed got into an argument with yourself thinking that nothing seen to be right. You’ve done everything known to man to get ahead and it’s just not happening.

The good news are you will! 

Yes, you’ll be fine!

The # 1 one of the top lies we tell ourselves about money, and life, is that we’re never going to make it. We’ll never get debt free, never be able to afford a house, never pay off the student loans, or retire comfortably.

But you will.





Now is a great time to refocus. If you’ve had some bumps in the road during the winter, let’s get things back together as we move closer to a new season. Your winter wont last forever, and so is your money issues, they wont last forever, but there are somethings you can do to make that happen specially as you remember that you will have growing pains as each stage of life will require a new you but if you refocus and make changes now it will be worth it.

Here are three things we want you to remember:

1. Your patience will pay off.

The old saying goes “Rome wasn’t built in a day,” and you’re not going to get out of debt overnight either. We’ve helped a ton of people make a plan for their money and get out of debt—from scraping pennyies to some serious dollars. You can be one of them. And once you pay off that final debt, I promise you’ll be so relieved you stuck with it.




2. You’re going to make mistakes.

We all mess up. When we started paying off debt we were everywhere disorganized, no money in the bank and creditors calling Yes, it was embarrassing, but we learned from it and moved on. When you make a money mistake, don’t beat yourself up over it. That’s an easy way to lose motivation and feel like you’ll never get to where you want to be. And as long as you decide that’s not true, then it’s not true! Because, what you tell yourself is more important than what you’re going through.

3. Your sacrifices will be worth it.

You might not be able to go on vacation for a year or two, or you might have to sacrifice eating out for a while. But remember all of that is temporary. And those temporary sacrifices are going to set you up for long-term success. Keep your eyes on the big picture.

Don’t buy into the lie that you’re not going to make it.
You got this!



8 PERSONAL FINANCE BOOKS YOU SHOULD READ

 

There’s absolutely a million reasons why we should read, if you’re like me

you probably spent a good portion of your life reading in the search of value, seeking the type of books or reading material that will help take your life to the next level. Most average people tend to read the news paper, almanac, horoscope and so on etc…

It took me quite a while to discover the value of finance, and personal growth books mostly because of my surroundings. I just did not know that there are people sharing principles that can be apply to anything or anyone and they work.

These are few of the books I’ve read, these books have completely revolutionize my life for the good, their impact in my life is unprecedented!




Ready? LET’S GO!!

    1. The Bible Believe it or not, this is the book that contain the treasure of treasures on life principles and finances. There’s no secret to building wealth, but if there was any you will find it in here.
    2. The Richest Man in Babylon I love this book it is a mandatory a super classic, easy to read and will definitely get you on your personal growth and well building journey.
    3. The Total Money Makeover A very simple step by step guide to being debt free, building wealth, and living like no one else so later you can live and give like no one else. This is another mandatory, I like what Dave has to share here and if you’re coach-able at the end you will be rewarded.
    4. Love Your Life Not Theirs by Rachel Cruze who shares some important money habits and has a lot of experience growing at the Ramsey’s so the stuff she shares here work.
    5. Think and Grow Rich You cannot read personal growth and personal finance books and not read This classic by Napoleon Hill, a little complex but the average millionaire has read it at least 15 times.




6. Money by Dave Ramsey, in this book he breaks down the ideology of how money works, he talks from debt cancellation, to the truth about credit cards and credit score to investments.

7. The Millionaire Next Door The surprising secret of America’s wealthy. This book can change the perspective of how you see the people around you. In this classic we learn the truth of the average millionaire lifestyle.

8. Retire Inspired by Chris Hogan Extremely mandatory like Chris says, when you hear the word retirement, you probably don’t imagine yourself scrambling to pay your bills in your golden years. But for too many Americans,that’s the fate that awaits unless they take steps now to plan for the future.

There you have it! These are some of my very favorites. Now get to reading and feel free to share your thoughts and comments remember that sharing is caring, do frequently come back to check in on me/us. I/we love to stay in touch. God bless :Green:





The Secret To Saving Money

Saving money is not a matter of math. It’s a matter of urgency.


You won’t save money when you get that next raise.

You won’t save money when that car is paid off.

You wont save money when the kidsare grown.

Youll only save money when itbecomes an emotional priority.

We all know we need to savebut mostpeople dont save like they know theyshouldWhyBecause they havecompeting goalsThe goal to save isnta high enough priority to delay thepurchase of that pizzaDVD playernewcomputerthat next vacation or chinacabinetSo we purchasebuyandconsume all our dollars away orworseyetgo into debt to buy these things.

That debt becomes monthly paymentsthat control our paychecks and make ussay things like, “We just dont makeenough to save any money!” Wrong,wrongwrongWe do make enough tosave moneywe just arent willing toquit spoiling ourselves with our littleprojects or pleasuresIt doesnt matterwhat you makeyou can save money.It just has to become a big enoughpriority to you.
Make Saving a Priority

If a doctor told you that your child was dying and could only be saved with a $15,000 operation that your insurance would not cover and could only be performed nine months from today, could you save $15,000 between now and then? Of course you could! You would sell things, you would stop any spending that wasn’t required to survive, and you would take two extra jobs. For that short nine months, you would become a saving machine. You would give up virtually anything to accomplish that $15,000 goal.

The secret to saving money is to make it a priority. But that happens only when you start to feel some healthy anger—or fear—and then focus that emotion on your personal decisions. Harnessing that emotion will make you move yourself to the top of your creditor list. Then ask yourself which bill is the most important. After tithing, who should you pay first this month? The answer is you! Until you pay God first, then yourself, then everyone and everything else, you will never save money.
Advertisers and marketers are touching our emotions every day and taking every dollar we have by making us see our wants as needs. It’s time for that to stop! Emotions make great slaves, but they’re lousy masters.  It doesn’t matter how educated or sophisticated you are—if you aren’t saving money, you’re letting your emotions control your actions. You need to take charge!

So whether you need to save for college tuition, a plane ticket to the family reunion, new school clothes for little Jhon or Mary, retirement, or anything else, start now! It’s never too late!