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Archive for October, 2013

QVC eGiftcards

October 31st, 2013 at 09:42 pm

For those of u that shop at QVC like me, there's a promotion where if u buy $100 in eGiftcards then they will send u a $25 EGiftcard. I'm debating whether I should do this and save it for my future purchases Smile I think the promotion is over on Sunday.

http://www.qvc.com/GiftCards.content.html?cm_ven=POSTCARD&cm...

Best Month Yet for Snowflakes!

October 31st, 2013 at 05:05 pm

For the month of October I earned a whopping $617 in snowflakes!! That's my highest total of the year so far. Granted over 50% of the total came from CC reward offers but hey if they want to pay me for being financially smart, I'll take it Smile!

Snowflakes in the Forecast Already

October 31st, 2013 at 01:03 am

An item that I placed on Ebay on Sunday already has a bid on it so it will sell. Also earlier in the month I mentioned that Navy Federal Credit has an offer where you spend $3k in 3 months you get $600 in rewards. Well I called and was told that the rewards weren't just for travel. Also after reading all the positive reviews and also noticing they pay u 2 points for every dollar spent,I decided to go for it. From the website it appears you can buy giftcards or even redeem for a deposit into your account but for a lesser amount than if u redeemed for travel. I will just have to wait and see how everything works out but since they are comparable to USAA, I don't think I will have any problems.

It's Still Snowing

October 29th, 2013 at 12:54 am

Just got an email from Ebates stating they would add $1 to my next reward payment if I redeemed for a Amazon GC. Of course I jumped on it and I was rewarded $10.32. That brings my snowflake total for today up to $58.32, gotta love it!!!

I'm Making it Snow Today

October 28th, 2013 at 08:48 pm

I rolled all the quarters I've been saving towards the 52 Week Snowflake Challenge and it came to $40. I finally returned an item to Wal-Mart today as well for $8. $48 in snowflakes in one day isn't too bad SmileNow I'm only $213 away from meeting my annual goal of $3000 in snowflakes!

I also listed an item on Ebay last night so hopefully that will bring in more for the month of November!

ToyRUs Groupon

October 28th, 2013 at 01:38 pm

Currently you can snag $15 groupon to ToysRUs for $7.50. Plus if you go through Ebates you get 3% cashback. Great for the holidays!

Swagbucks Credit Card

October 28th, 2013 at 12:22 am

Does anyone have it? Have you experienced any problems getting your swagbucks awarded? I'm thinking about applying because they pay 1.25 swagbucks per dollar spent. That's more than most credit cards that pay 1%. Right now after your first purchase you get 1000sbs and then if u spend $1000 within the next 6 billing cycles you get an additional 2500sb..basically you get $35. I figured this could be an easy way to rack up on extra snowflakes by doing normal purchases anyway, especially with the holidays coming. Thoughts anyone??

52 Week Snowflake Challenge

October 26th, 2013 at 01:03 am

Earlier this year I challenged myself to complete the 52 Week Challenge($1378) and $1622 in other snowflakes for a total of $3000 for 2013(hence the name of the challenge). Well I'm happy to report that I'm only $252 away from my goal. With the guaranteed snowflakes from the increase in my GI bill payment for Nov and Dec, I will definitely not only reach but probably surpass my goal. If I haven't said it before, I will say it now...I love the power of snowflakes!!!

Received AMEX Bonus

October 25th, 2013 at 01:33 am

Last month sometime I applied for AMEX card which was offering $150 bonus after only spending $500. Well I got my first statement yesterday and noticed that it said the bonus wouldn't be awarded until minimum payment was received. I thought that was different but ok whatever. Then I went online today to check out the deal CCF had mentioned and low and behold my $150 in rewards had indeed posted to my account. I immediately redeemed it for a statement credit and just transferred the funds from the budget to my 52 week challenge total instead of the mortgage at the moment. I will post about the status of my 52 Week Snowflake Challenge tomorrow Smile

Glad I opened that junk mail

October 21st, 2013 at 07:03 pm

I got a piece of mail from a TV rating company that I would normally just trash. Today I opened it and it was asking me to complete a quick survey. The cool thing is that they included $2 in cash just for considering the survey and it stated they would send $5 after the survey is returned. Quick and easy snowflake and future snowflake!!

Loving Ebates

October 19th, 2013 at 05:04 pm

I few days ago I bought some ink from 123inkjets(thanks for the info CCF) and I went through Ebates first. Normally after I get an email stating my item has been shipped, I would get notification from Ebates stating I earned cash back. For whatever reason, I never got the email from Ebates. So last night I sent them an email informing them of the problem and once I submitted my order information to them they went ahead and credited my account for the amount of the rebate. I mean all of this took place in less than a couple hours. Now that's what I call customer service, plus I got my $9 rebate because the cash back was 16%. Now I just hope this ink works in my printer so I don't have to return it!

Loving Ebates

October 19th, 2013 at 05:04 pm

I few days ago I bought some ink from 123inkjets(thanks for the info CCF) and I went through Ebates first. Normally after I get an email stating my item has been shipped, I would get notification from Ebates stating I earned cash back. For whatever reason, I never got the email from Ebates. So last night I sent them an email informing them of the problem and once I submitted my order information to them they went ahead and credited my account for the amount of the rebate. I mean all of this took place in less than a couple hours. Now that's what I call customer service, plus I got my $9 rebate because the cash back was 16%. Now I just hope this ink works in my printer so I don't have to return it!

Possible Future Big Snowflake

October 9th, 2013 at 01:31 am

Last month I joined Navy Federal Credit Union to take advantage of new member incentive and special rate on CD. Now they have a CC offer where if you spend $3000 in the first 3 months, you get 60,000 points which can only be redeemed towards travel only(up to a $600 plane ticket). There's no annual fee the first year and only $49 after that and the points don't expire so I can use them whenever. I know for sure I will be taking 1 if not 2 trips in 2014 but not sure if it comes up to $600 or not but still. I can easily charge the $3K by charging the property taxes on my rental property which isn't due until Jan 2014 but I will pay in 2013 to take the tax write-off. The only thing is that think the assessor charged extra for paying by credit card but I believe I would still come out ahead of the game. I'm going to call tomorrow to see how much extra before I decide.

If I decide to do this and once the points are awarded, I would just decrease my vacation fund by the same amount and send towards the mortgage. What do u think? Sound like a good plan? Man I have to make sure I keep up with all of these reward cards Smile

I Got a New Phone and it was a Money Maker

October 8th, 2013 at 12:51 pm

My birthday is coming up so I decided to treat myself to a new phone. The phone I use to have was the original Iphone so I wanted something faster. I thought I was just going to end up getting a new Iphone until I checked out the Samsung Galaxy III. Walmart was selling the Galaxy for 97 cents, yes you read that right, 97 cents but of course you needed to sign a new 2 year contract. I'm currently with AT&T so I was ok with that. The icing that sealed the deal was that on top of that they were also giving $40 Walmart giftcards! Unfortunately I'm going to be charged an $36 activation fee although I'm a existing member but that shows up on my next bill.

With that in mind I called AT&T to see if they could waive the fee since I've been with them for so long but the guy said they couldn't but what he did do was look at my current plan and suggested that I drop down since I don't use that much data. No need to be paying for it if I don't use it so that's what I did. That will save me $20 a month from here on out, which really makes the fee only $16.

I'm thinking about just counting the full $40 as snowflakes and paying the activation fee out of my "blow" money. What do you think?? Overall I'm winning in this situation so I'm happy with that!!!

Making SmartyPig Work For Me

October 5th, 2013 at 07:14 pm

As scfr posted about in August, SmartyPig is an actual bank that's currently paying 1% and they even pay you extra when you redeem some of your funds on to a gift card. I've had an account with them for a few months now and I don't know why I haven't thought of this before. Every month I get paid my monthly GI bill benefit for taking classes and I normally just let it sit in my USAA account until I need to pay tuition. I get paid monthly but because I'm a veteran the school allows me to participate in payment deferral so payment isn't due until 65 days after the course starts. I just started another class 3 October so tuition won't get charged until 8 Dec. I can at least earn almost 2months of interest on $3400. It's not much but its more than what I'm getting now. As many of us has said before, small amounts add up over time and I will take it!

Now I need to think about which giftcards I might need and take advantage of the extra cash back they give.

Another CC Offer

October 3rd, 2013 at 09:29 pm

I just got approved for the Citi Thank You card. After I spend $1500 in 3 months, I will get $200 in gift cards. I looked on their site and there are quite a few stores I can go with including Walmart. Spending $1500 is not going to be a problem either because I will just charge my tuition and take care of that in one month! There's no annual fee with this card either so that makes it even better. Here's to more snowflakes coming my way!

It's Snowing Already

October 2nd, 2013 at 11:25 pm

Snowflakes that is Smile I mailed the item that I sold on Ebay yesterday so I'm going to count that towards this month's snowflake total. After all fees I calculated clearing $108. I also got paid $3 for a Pinecone survey.

Finally I just got a $5 Target GC for purchasing a product that I ALWAYS use. I took advantage of this same offer a couple months ago I think so I was happy to see it back so soon. I also had $3 in coupons to off set the total. So as of today my October snowflakes are $116!! Not too shabby for being the second of the month Smile

No Debit Card September/October

October 2nd, 2013 at 04:01 am

I'm part of the Dave Ramsey forum and his motto is "Cash is King". Well in September a few of us challenged ourselves to use cash only except on those areas we previously identified. For me, I only used my debit card for gas and automatic bill payments last month. I'm happy to report that I only used my debit card once last month when I wasn't suppose to. I count that as a success because by doing that I still had $30 in my grocery virtual envelope(YNAB).

We are doing the challenge again this month and day one has been a success!