Ibotta $10 Sign Up Bonus

When you sign up for Ibotta using my referral link you will receive a $10 welcome bonus and I’ll receive a $5 bonus.

This is my referral link that will take you to a web page with more information on the offer.

Before you sign up for the bonus, you might want to know what Ibotta is if you haven’t already heard of it. The app is pretty popular on deal blogs.  Ibotta is a mobile app that will present you with various cash back coupons for different stores. They have over 270 stores that they currently support. A nice thing about the Ibotta coupons is that in addition to the name brand coupons, they also have generic coupons. For example, they often have coupons for 25 cents back when you buy any item at a store. That makes for an easy to use coupon.

In addition to the cash back coupons for stores they also have other offers. They have a $1 back on Uber rides offer that is easy money for those who use Uber. They also have a shopping portal available that often has competitive cash back rates. It is pretty easy to get a little extra cash back with this app.

To qualify for the $10 welcome bonus. Take a look at the steps below to get started:

Step 1: Register a new Ibotta account on a unique device (not previously registered with another Ibotta account).

Step 2: Redeem your first rebate within 14 days of signing up. “Any Brand” and “Any Item” rebates are excluded from this promotion.

That is all you need to do. It is an easy $10, but you do need to get to $20 before you can cash out.

If you would like to sign up, please use my referral link.

My Tiny $435 a Month Apartment

apt closet view Last Sunday I moved into this tiny apartment. The landlord stated that it that measures about 150 square feet and I think that is probably about right. It is definitely a small apartment. I’m posting a couple of pictures to show how small it is. The first picture was taken while standing in the bathroom area and viewing the kitchen/bedroom/living room area. The apartment is still a mess in these pictures. I don’t own very much stuff, but it still took quite a while to get it organized and squared away in this tiny apartment.

The apartment is a bargain at $435 a month including utilities. The only thing I will have to pay for in addition to the rent is internet.  The city I live in has a good deal, where you pay a $300 installation fee and then have free 100mb internet for life. Even if I only stay in the apartment a year that will only be $25 a month. If I stay longer the internet gets to be more and more of a bargain. The drawback to the free internet is that customer service is lacking and they don’t appear to be in any hurry to get my internet installed or even tell me when it might be installed. I haven’t been posting much the last few months, but this month I have a reasonable excuse for not posting too much.  Once the internet is installed I plan to post on a more regular basis and hopefully revive the blog a little bit.

The apartment is a great bargain. You can’t find an apartment close to that cheap in this area of Kansas City. Of course, the apartment being that cheap means there are a few drawbacks to the apartment. The size would probably be the biggest drawback for most people. I’m okay with the size. I actually like living in small spaces. The biggest drawback for me is that it is a basement apartment which leads to it smelling musty and having more insects than I like.  I’m working on both of those problems. I’ve got some air fresheners to help the place smell better. I’m cleaning which will hopefully lead to fewer bugs. I think some of the bugs are here due to the last tenant being messy. The apartment was sprayed before I moved in which I think did significantly reduce the bugs. It appears the bugs were probably much worse before I moved in. If insects continue to be a problem after I have the apartment cleaned and squared away I’ll have it sprayed again. Although I’m complaining about the insects they aren’t that bad. It isn’t like the apartment is infested with cockroaches. There are just a few random, little insects coming into the apartment each day.

bathroom view

Another drawback is that the apartment doesn’t have a real kitchen. It just has a sink, cabinets, and a refrigerator. I’ve bought a hot plate and toaster oven and I think that will make it enough of a kitchen for me. It doesn’t have a lot of cabinet, but it is plenty for the few dishes I have.

The second picture shows the bathroom area. It has a vanity in the middle, a shower stall on the right, and there is a little toilet cubby on the left side out of view. The toilet cubby does not have a door which could be awkward if I ever had anyone over to the apartment. It did have a curtain rod across the entryway which I hung a shower curtain on so if anyone does come over and need to use the toilet they can have some privacy.

Although this apartment is a bargain it will end up costing me about the same as I was paying my GF for expenses while living in her house. Before anyone asks I will go ahead and say that my GF and I are still together.  Moving out has strained the relationship a bit. It might not have been the smartest move on my part. Time will tell. That is about all I have to say for now. If you have any questions about the apartment ask me in the comments.

How I Saved Over 50% on Airbnb in London

During our Paris trip next month we are going to make a two night side trip to London. My girlfriend’s mother will be vacationing in London at the same time we will be in London and we thought it would be really cool to take the train from Paris to London and visit her for a couple days. Since neither of us has ever been to London before the visit will allow us to see her mom and sample a tiny bit of London. Her mother is traveling with a friend who has a relative in London and they will be staying in the relative’s apartment. We wanted to stay somewhere close by and Airbnb places were much closer than any hotels. Airbnb also had the advantage of being much cheaper than any of the hotels.

Of course, being a tight fisted miser I wanted to get the Airbnb even cheaper. We were able to stack a couple of discounts to get our Airbnb stay for almost 50% off. Our first discount came from buying Airbnb gift cards on sale at eBay. They had a promotion selling $50 gift cards for $40. That is a sweet 20% discount. There was a purchase limit of 1 so my girlfriend and I each bought one card. Although I haven’t seen a sale on the Airbnb gift cards lately, since they were on sale a few times during the holidays I believe they will go on sale again. I’ll be keeping my eye out for more discounted Airbnb cards. You can periodically check the discount gift cards on eBay (affiliate link) to see if they are on sale. While you are there you might find some other good gift card deals.

In addition to the discount gift cards I received a $40 travel credit for signing up through a referral link. Since our Airbnb stay totaled $101 that amounted to a savings of almost 40%. Here is how the final math worked out. Our Airbnb room costs $45 a night. That is super cheap because the couple we are staying with are new hosts. Their place looks great and it is in a great location with a view of the Thames. Combining that with the low price I felt it was well worth taking a risk on new hosts. There was also an $11 service fee making the total $101 for the stay. Applying the travel credit brought our cost down to $61. We paid the $61 with the discounted gift cards getting us 20% off the $61. That made our grant total out of pocket $48.80 for two nights in a beautiful room in London. I consider that to be a fantastic deal.

You can get a great Airbnb deal as well. If you sign up through my Airbnb referral link you can get $40 off of your first stay and I’ll get $20 travel credit for referring you.

Tight Fisted Miser Turns 10

I published my first blog post on Tight Fisted Miser way back on January 28,2007. It is hard to believe I’ve been writing this blog for over ten years now. I’ve been blogging even longer than that. My mostly abandoned Bank Bonuses blog was started back in December 2005. That makes me one of the longest running personal finance bloggers around.

This blog got off to a pretty good start when I first published it. I was able to attract a small amount of readers right away and my audience slowly and steadily grew for the first few years of this blog’s existence. Part of that was probably due to there being a lot fewer blogs around back then. I also wrote better and more frequent blog posts back then. I never kept track of site stats, but I think this blog’s reach peaked sometime in 2011. That was also my most profitable blogging year. I made about $20,000 from my blogs that year. I made just a little over $1000 from my blogs last year. My audience and income have both diminished considerably in the last few years.

The blog is still alive though. One of these days I will get back to blogging regularly and hopefully build the blog back up to where it used to be. It won’t be too soon since I’m working now, and then I’ll be in Europe, and then I’ll be hiking. But after I’m done with all of that I just might get the blog going again. In the meantime I will at least have my monthly income and expenses reports. I started this blog to show that being frugal allows you to have a decent life without earning a lot of money. And I feel like I’m still living proof of that. I hope to keep this blog going for another 10 years. To all who are still reading this blog, thank you for reading.

November 2016 Net Worth Update

penniesIn order to keep track of my financial progress or lack of progress I have decided to calculate my net worth each month.

My net worth as of 11/1/2016 is as follows.

Cash – $3263 (-$447)
IRA – $23,212 (-$665)
Roth IRA – $10,281(-$169)
Solo 401k – 969 (-$19)
Car/Stuff – $4400 (-$100)

Student Loan – $130,775 ($594)

Net Worth = $-88,651

My net worth decreased by $1997 since the last update. That was the worst decline since I’ve started tracking my net worth. The decline was mostly due to a downturn in the stock market. My student loan interest continued to accumulate as well. I am making a large payment towards my student loan this month which will almost cover the monthly interest. If the market recovers a bit I should be able to reverse the net worth decline this month. If the market declines or stays flat then my net worth will likely decline since I’m not making enough money right now to add to my investments or pay much extra on my student loan.

I’ve been using Personal Capital (affiliate link) to help track my net worth. It keeps track of all of my financial accounts and my student loan making it pretty easy to calculate my net worth each month. It is free to sign up. If you would like to sign up I’d appreciate you using my link. All blog income, including affiliate income, goes to paying down my student loan.

Personal Capital

Free Fast Food For a Year For the Third Time

wendysLast Saturday I won free fast food for a year for the third time. If you’ve been reading the blog a long time you might remember that I also won free fast food for a year from McDonald’s way back in 2007 and 2008. As if that wasn’t enough free fast food, a friend who also won free fast food with me moved away and gave me his free fast food pass. I was eating two free fast food meals a week back in 2008.

Before I stumbled upon this latest deal it had been a long time since I had discovered an opportunity for free fast food for a year. Last week I visited a Wendy’s that had recently opened after a complete remodel and they had a flyer advertising free fast food for a year to the first 100 customers the following day. I showed up the next day and after waiting in line for about an hour and a half I received my pass for free fast food for a year. This deal wasn’t quite as good as the McDonald’s deals. This deal from Wendy’s was only for a premium sandwich or salad while the Mcd’s deals were for an extra value meal.  Considering I like Wendy’s burgers a lot better than Mcd’s the Wendy’s deal is almost as good as the Mcd’s deal.

I know I shouldn’t be eating fast food since it isn’t healthy, but I still eat it frequently.  Since I’m going to be eating it anyway I might as well get it for free. If I get a $5 sandwich each week I will have saved $260 over the course of the year. I think it is worth standing in line for an hour and a half to receive $260 worth of food.

Have you ever received any similar free food types of deals?