cash back

Rebates Money – Forums for Hot Deals, Finance, and Cash Back Stores

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The following is a guest post from Hustler, who blogs on Hustlermoneyblog.com about bank deals, credit cards, and hot deals. He shares his story on starting a new site RebatesMoney.com to provide the best Forums for all Hot Deals, Finance, Careers, Business, and more.

Over the last 4 months, and working in conjunction with a team of specialists, We have created Rebates Money – a Forum for all Hot Deals, Cash Back Stores, Finance, and many more. It’s a new beginning, I hope, to create a place to share all top deals and help you build personal financial wealth in all aspects of your life. Working with some of the best people in the business, our motto is to put the members first and to build a vibrant community with an emphasis on personal finance. In the future, we will continue to install more features to build Rebates Money to meet all your financial needs.

There are many advantages in comparison with other Deal Forums:

1. Hot Deals + Cash Back Stores combo – Other forums will make money from your sales whenever you click through their links and buy something. At Rebates Money, we will find the best deals and tell you where to get maximum cash back using our Cash Back Stores function. At our Cash Back Stores section, simply put in your favorite place to shop online, and you will find the best cash back percentage from sites such as Mr. Rebates, Ebates, ShopDiscover, and others.
2. Finance, Careers, and Business – Not only can you find all the latest bank and credit card deals, you will be able to discuss all aspects of personal finance to help you increase/retain your wealth.

How would you like to win $100? In order to have a spirited forum, we need your help to be part of our growing financial community. Simply Sign Up for membership to Rebates Money to enter the $100 promotion.We will be holding the $100 Cash Bonus drawing on November 1st using a random number generator. I look forward to see TightFistedMiser’s readers over at Rebates Money and be part of our growing community.

Getting Cash Back On My Tuition

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For reasons that are still unbeknownst to me not all of my tuition was automatically paid out of my financial aid. This created an inconvenience for me since I now had to pay the remaining balance by cash or check. Since I have several checking accounts but no checks this left me with the option of paying by cash.

I decided to get a little cash back for my inconvenience. I ordered $500 in dollar coins from the U.S. Mint. These coins sell at face value with free shipping. I used my credit card to pay for them earning myself $15 cash back.

The university cashier didn’t seem real pleased to be paid with dollar coins but he accepted them without complaint. The few minutes I spent ordering the coins were well worth the $15 return to me. I’m not sure how long the U.S. Mint is going to be offering this free shipping deal but I’ll probably take advantage of it again.

Alternative Income- Cash Back

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This isn’t really an alternative income source since you have to spend money to get it. If you only purchase things you would spend money on anyway though this provides a little extra money. There are two main ways that I get cash back.

The first way is through online cash back shopping portals. The ones I most commonly use include Ebates ($10 signup bonus), Big Crumbs, and My Points. There are many more out there but these are the ones I’ve used and know.

I’ve mainly used Ebates for online shopping.  Their cash back is good but they only let you cash out four times a year and you have to earn a minimum of $5.01 not counting referral bonuses to cash out. This is a problem for me since don’t shop online(or offline) that much.

I’ve just started using Big Crumbs but I think it is going to be my main cash back site now. They pay on a monthly schedule. One of their big draws is that they allow you earn cash back on Ebay purchases. The other thing I most like about them is they allow you to earn money on your referral’s shopping activity. If you have a lot of referral this could be a decent amount of passive income.

MyPoints I don’t actually do any shopping through. I just get paid to read their emails and occasionally do a survey. I joined them earlier this year and it looks like I’ll make about $20 a year in gift cards from them. If I were more active I could increase that amount.

The other big way to get cash back is through the use of cash back credit cards. My personal favorite is the Chase Freedom(SM) Credit Card. I earn 3% back on my top three categories and 1% on the rest. If you wait until you have $200 cash back accumulated you will get a bonus $50 which effectively turns your cash back rate to 3.75%. I should have $200 accumulated by early next year and I’m waiting to cash out until then.

The other cash back card I use is the Discover® More(SM) Card. The trick to getting the most out of this card is to focus your purchases on their bonus 5% cash back categories. They switch these four times a year giving you a variety of categories to save money on. They currently have 5% cash back on gas which I’ve already earned my maximum amount of $20 on. I’ll now set the card aside until I can use it for the next 5% cash back promotion.

You can view some more cash back cards here.

Remember if you buy something you don’t need just to get the cash back you’re not saving any money.