We all have to make purchases, as much as we sometimes wish we didn’t. But, I like to try to have my purchases work in my favor then as much as possible when I do have to spend money, because I’m frugal like that. That’s why I love knowing how to get cash back on purchases I am already making everyday. It makes it easy to get some money back in my pockets.
Cash Back Websites
Whenever I am buying something online, I have to see if I can get cash back through using websites like Ebates, ShopAtHome.com, or Upromise. It’s so simple and so easy to set up an account, and then get cash back. You can check out this post about why I use three different cash back sites, and how they work HERE.
Smartphone Money Saving Apps
I recently got a smartphone. And I am in love with the money savings apps you can put on it! While I don’t make enough with the apps to fully justify the expense of having a smartphone (even with the cheap Walmart Family Mobile unlimited plans we use), they make up for my lack of coupons as of late. I haven’t been great about couponing since I left Indiana and can no longer shop at Kroger, my favorite place to shop and save money on groceries.
So I love that I can still save some money buying what I normally do (like groceries) with apps like iBotta, Snap, Checkout 51, and Shopmium (use KKCGCUCF Shopmium referral code for a free candy bar when you sign up!). All of these apps are very similar in that you will simply select the items you bought in a store (sometimes it has to be specific stores, like for the ibotta app) and then scan your receipt that has that product on it. Then you’ll get cash back to your account. Some accounts have a mimimum cash out balance of $20 or so.
I also have used Shopkick, which is different in that I don’t get cash back, but I do get “kicks” back which can quickly add up and be used to redeem for gift cards. And this app gives you a point just for opening it up each day, sometimes even just for entering a store, other times for purchases you make at the store (i.e. like cash back then), and other times for scanning specific products in store. In the month or so I’ve been using it, I’ve already earned over 1000 kicks, which is enough for two $2 Target gift cards. However, if I save up to 1250 kicks, I can get a $5 gift card, and so on. I plan on just saving my kicks up for a very long time and cashing them out before my kid’s birthday or next year for Christmas.
Use a Rewards Credit Card
If you have to use a credit card (or rather choose to), make sure you are using one that offers rewards. A great one to look into is the Chase Ultimate Rewards available to Chase Freedom, Chase Sapphire, and Ink from Chase cardholders. Whenever you use these cards, you earn points on every purchase which can be redeemed for cash, gift cards, and even exclusive events like concerts, sporting events, and movie premieres. You can earn cash back starting at $20 for 2,000 points and there’s no mark-ups on merchandise or gift cards so you pay the same price you would in store. A $50 product/gift card costs 5,000 points. Or maybe you’re still checking off gifts on your holiday shopping list? Chase offers extra incentives to cardholders with Ultimate Rewards this time of year, helping to really stretch your budget. You can find out more at UltimateRewards.com.
Use Store Reward and Loyalty Cards
I have found that picking a store you love, and buying most of your clothing there or other goods, makes saving on your needs and wants easier too, because the more you shop the more you get rewarded. CVS, Walgreens, Kroger, certain fast food chains, and others have loyalty programs and cards that help you get free products or discounts on upcoming purchases. Combine these rewards with some of the above cash back methods, and you can start to really save up some money!
The great thing about many of these rewards, is that you can save them. I know several people who save their rewards all year and then cash them out just in time for Christmas. It’s so smart! It’s budgeting made simple. It’s having money you didn’t even know you had (and therefore can’t spend it). But, they can also be great to cash out as soon as you are able. It just depends on what you want to do with all this awesome cash back you are earning.
What are some of your favorite ways to get cash back on purchases you’re making everyday?
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