Birthday Freebies: 300 Companies That Give You Free Stuff

Birthday Freebies: 300 Companies That Give You Free Stuff

Every year, my favorite brands send me offers of birthday freebies for food, beauty products, activities, etc on my birthday. It makes my birthday feel extra special. If you’re looking to get a ton of birthday freebies but don’t want the other emails the company will send throughout the year, create a new email address for all your birthday freebie emails. I’d suggest just adding the words bdayfreebie to your existing email and creating a new email. Just search “birthday”…

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The Three Step Blueprint To Paying Off Your Student Loans In Record Time

The Three Step Blueprint To Paying Off Your Student Loans In Record Time

1. Balance Transfer For a 1.5% APY Loan A little known secret about credit cards is that they offer balance transfers with a 0% interest rate for 15-18 months. That means you get a 0 % interest rate for 1.5 years. If you can figure out how much in extra payments you can afford to make over those 1.5 years, you can wipe away a hefty chunk of your student loans paying much less in interest. The catch is that…

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20 Free Money Tools And Resources To Fix Your Finances

20 Free Money Tools And Resources To Fix Your Finances

Get a High-Yield Savings Account The best known banks offer the lowest yields. Bank of America and Chase offer .01% yields. One-hundreth of a percent. Wells Fargo offers between .01-.03% and TD Bank offers .05%. Which is crazy right? Because the bigger the bank, the nicer they should be to you and offer higher interest for your checking account right? Why is loyalty to customers not a thing? Well, that’s not what actually happens. The best banks with the highest-yielding…

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How To Double Stack Your Charitable Contribution

How To Double Stack Your Charitable Contribution

My last post was about triple dipping to stack cashback, so what better post to follow up with than stacking your charity donations? What is Charity Matching? You know how most people don’t know you can get your 401k contributions matched? Most people don’t realize you can get your charitable contributions matched either. Let’s say you wanted to donate $500 to Doctors Without Borders. If your company offers 2:1 matching, that means you’d donate $500 and your company would donate…

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How To Triple Dip on Cash Back Rewards

How To Triple Dip on Cash Back Rewards

Step 1: Get a CashBack Credit Card Even though I use credit card points, airline miles, and hotel rewards to travel for free every year, I still use cashback or a cash redemption for cheap domestic flights because it’s a better deal than airline miles. So I was very happy to find out that Discover It Miles card offers 3 percent cashback for redemption on travel related purchases in the first year. They offer 1.5 points per $1 spent, but…

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The Step-By-Step Guide To Where Your Money Should Be Invested

The Step-By-Step Guide To Where Your Money Should Be Invested

There’s three stages to your money. Making it, Saving it, and then Investing it. We’re going to focus on where your money should be invested in the most optimal way. It’s a looong list, so if you don’t have enough time to go through it step-by-step, bookmark this page so you can come back to it. 1. Emergency Fund First, figure out your average monthly expenses by looking at the last 12 months of your spending. If you don’t have…

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50 Self-Development and Growth Books That Are Integral To Life

50 Self-Development and Growth Books That Are Integral To Life

Productivity The Power of Habit: Charles Duhigg As humans we’re more likely to shift to bad decisions at the end of the day. It’s why Gilt decided to release their sales at 9PM and why infomercials are on so late at night — because your willpower muscle is more likely to be all used up. Shifting focus onto creating habits is easier than strengthening your willpower muscle. His tricks to shift your brain into cue->routine->reward, will have you making the…

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The Thousands I’ve Paid Due To The Knowledge Tax – Personal Finance Is Not Common Sense

The Thousands I’ve Paid Due To The Knowledge Tax – Personal Finance Is Not Common Sense

A lot of times the most basic concepts to you are entirely foreign to other people, and they shouldn’t be blamed for it. A couple of weeks ago the boyfriend walked in the door with 2 giant computer monitors. He then bought a third. He assembled the entire thing himself and chatted with a few other computer enthusiasts on Internet Relay Chat (IRC) when he had issues with a missing part. In amazement, I said, “Where on earth do you…

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50 Budget Friendly Summer Bucket List Activities

50 Budget Friendly Summer Bucket List Activities

Summer is heeeeeere — and what’s more summery than a checklist printable of fun summer things? Activities really don’t have to cost an arm and a leg — there are tons of budget friendly things you can put on your summer bucket list. Here’s 50. Feel free to write down your favorites from this list or just download the printable below. 1. 🗹🎢Go to an amusement park 2. 🗹🔥Have a bonfire party 3. 🗹Go on a picnic 4. 🗹📚Read a…

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6 Common Things You’re Doing WRONG With Your 401k and How To Fix It For Free!

6 Common Things You’re Doing WRONG With Your 401k and How To Fix It For Free!

The below are 6 things wrong with your 401k. A the end, there’s a free tool you can use to fix your 401k in minutes. If you just want to use the tool, scroll to the end. 1. Not Contributing, Putting In Enough Money, Or Setting Up Auto-Contributions Half of Americans are not contributing to a 401k. If you’re one of them, set up your 401k by talking to your Human Resources department. When you do set it up, know…

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