Who doesn’t like cash?

There are a number of programs for cash back rewards on credit cards, and we hear about them on television and radio regularly. Those cards usually carry high interest, annual fees, hidden fees, or a combination of these.

Did you know you can generate cash back for your shopping without incurring those nasty charges? Mostly online programs, some with the option of accessing their programs while doing your brick-and-mortar shopping, are rampant online. Here is one I like a lot:

ShopAtHome Banner

I have mentioned online points programs in the past, and I still use them often. However, depending on what I’m shopping for, the deals with cash back programs such as these can be more lucrative. In fact, if you don’t hate toolbars, some will even credit your account simply for downloading their toolbar. That can make easier to find and access this free money quite quickly while it’s tailored to your own shopping preferences.  Do understand cookies, which these sites will place on your computer, and know that while you can delete them at any time, you’ll need to accept them again to get your credit while doing your shopping.

Shop At Home also includes printable grocery and brick-and-mortar store coupons and other methods of making your shopping experience better. With a mobile app, you can compare prices as you browse and, if you find a better deal, make the purchase from an online vendor. Your cash back will be credited to your account within a couple of days of your purchase, and you’ll receive your check after you reach a fairly small minimum in your account. Currently, that is $20 at Shop At Home. You’ll receive a $5 credit for joining, and if you download the toolbar, another $5. You’re halfway there and you haven’t spent a dime!

Another such program I like is:

( if you want to be sweet, use this link:  http://www.ebates.com/rf.do?referrerid=nW9kkAKagmM%3D )

Simply starting your online shopping through this site allows you a myriad of ways to find the best site for both savings and cash back. You can search for those offers for free shipping, by the percentage of cash back from your purchases, alphabetically by your chosen site, and more. You can often combine offers, as well, and coupons or offers still generate your “rebate.”

 

These are not the only programs out there, either,   Google “online cash back sites” and see what you find.  There are many sites such as http://www.befrugal.com/cashback/, http://www.topcashback.com/, and http://www.extrabux.com/.  There is a surprising number of sites to compare cash back sites.  Go figure.

 

You know how nice it is to get paid. Go get ya some!

Couponing 101

image ziggy no coupons comic

Saving money is even more critical for most of us now that prices are higher and money is tighter.  You’ve purchased the Sunday paper for the coupon inserts, clipped the coupons for the items on your list, and you’re ready to shop.  That’s certainly a good start, and you don’t have to resort to Extreme Couponing and the weeks and months of preparation they don’t show you on the television episode.  No need for a price book.

Many people just toss the coupon inserts in the recycle bin, although the numbers of couponers have increased during this recessive economy.  Of those that have used them, most haven’t taken the best advantage of them.  There are plenty of additional sources of coupons and savings.  Used actively, just the coupons from a Sunday newspaper in a medium to large metropolitan area could make that Sunday paper worth buying multiple copies.  Smaller, more rural journals don’t often have enough savings to warrant purchasing extras.

Don’t forget the Sunday newspaper magazines, or monthly magazines, as they often include coupons, with women’s titles being the most likely to include cents-off coupons.  There is even at least one monthly women’s interest magazine that boasts its coupons’ total value right on the cover.  Around food-centric holidays, like Easter or Thanksgiving, coupons increase.  During the fall, with the approach of the Halloween, Thanksgiving, and the winter holidays of Christmas, Hanukkah, Kwanzaa, and New Year, there are countless coupon inserts with some even bound right into monthly editions.

There are many ways to generate coupons and savings.  Over the next few posts, I’ll mention a few.  Don’t worry, I won’t slap you with the coupon inserts; it’s not that hard.  But you can save a few bucks each week and that will add up to a nice Christmas Club, yanno?

image pile of clipped coupons

Hi! Welcome to my new blog, a fun home for frugal friendlies of a crafty nature!

Yeps. It's me.

Hello, and thanks for visiting my first post of Thrifty Soul!  In it, I am hoping to not only share some pearls of a hard-gained thriftster (some might call it cheapskate-in-residence), but occasionally combine it with fun things to actually do.  Once in a while, I might even toss out an idea or two for making a few extra bucks to feed the fees (be they craft costs, the envelope in the mattress, or god forbid, bank fees).  Sometimes, you might end up hearing stories of Marbles and His Marvelous Tail, if my dog has done something so extraordinarily interesting.

I hope you will take the time to comment, especially if it’s ideas for future entries or projects to try.  REAL ways to make a little spare cash, such as postings of craft shows within reason, are welcome, spammers are NOT.  Spammers are NOT welcome and will be offered lodgings over an open pit of pit vipers.  My mouse hovers over the block button.  Trolls will be fed to my pet dragon, Sparky.  He loves trolls.  I can’t afford to feed him high-speed dragon food from PetsWag.

Other bloggers, please make yourself at home.  The coffee is usually on.  It might be instant.  For coffee purists, until recently, I was a snob about instant and would never let it cross my lips.  However, I love Starbucks Via…mocha is my favorite!.  Your Thrifty Tip for today:  for one 12-ounce mug, i have found that if I fill a 1/8 measuring cup halfway with the Via powder and top it off with the “International” Suisse Mocha Cafe mix, I can reduce the cost of the beverage significantly and actually add a bit of the cocoa flavor I crave, as well.  Still with only about 60 calories per 8-oz cup (I am also trying to control my calories – you’ll likely hear a little of that, too, sadly, but I’ll save it for later).

I’m a stay-at-home for the most part, although I do pick up independent jobs now and then.  I am a regular beader and jewelry maker with a site on Facebook (http://www.facebook.com/JustLovelyJewelry).  I also have one on Etsy (http://www.etsy.com/shop/pawscharming) that is open and designed to generate donations to pet charities in my area, but it is under construction at the moment with just one necklace available.  I have a miracle stroke survivor for a husband and two dogs, a Maltese named “Marbles” and a black lab named…wait for it….”Buddy” at home.  Up and out are:  4 kids, 8 grandkids, and a burgeoning assortment of extremely entertaining great-grandkids (currently, the count is at 9).  After many years spent in the Army, wonderful Hubby and I moved around a bit until our antsy feet were able to slow down and we now live in his hometown in northern Indiana.  It’s a change for me, as I grew up in a very large General Motors city (known as Buicktown), and this is rather rural.

I also have a smattering of spinal disorders, undoubtedly either stemming from or aggravated by my time in service, and crafting helps pass the time when I can’t do much else.  Wondering why my floors aren’t vacuumed?  I have a good excuse!  I do, I really do!  LOL!

All this said, I’ve bored you enough with me, so that’s enough for today, and you can move on to your nap now.   Thanks for stopping by!  See?  You just spent a couple of minutes and paid nothing, leaving with your first Thrifty Tip!  Thrrrrrifty! 🙂