It’s that time of year: holiday season is just around the corner. Already dreading the fortune you’ve got to spend on gifts for your partner, relatives and friends? Yeah, join the club.
It’s true, your bank account can take a serious hit during the holidays, and while Black Friday and Cyber Monday can help you save money, they’re not the only way or even the most efficient way on their own.
Here are a couple of bargain tricks that we swear by that will ensure you are are spending as little as possible on your holiday shopping.
1. Cash Direct Club – Get Cashback Every Time You Shop Online
What can beat getting an item on sale? I think it’s safe to say getting rewarded with money for buying it definitely does. Shop online with Cash Direct Club and you’ll earn cash — not points — for all your purchases.
Earn up to 15% cash back for every purchase you make shopping at your favorite stores through Cash Direct Club. They partners with hundreds of retailers including Walmart, Macy’s, Best Buy, Sephora and Neiman Marcus. Get your money fast via Paypal or check by mail if you don’t have a PayPal account.
Sign up today and you’ll get a free $20 welcome bonus after you make your first qualifying purchase.
Want to hear about even more ways to earn with Cash Direct Club?
- Earn $3 cash when you download the app
- Earn $3 cash when you download the browser extension on desktop
- Up to $10 per referral of family/friends.
- Earn $5, $10, and $20 cash bonuses the more you shop with Cash Direct Club.
What are you waiting for? Join Cash Direct Club to start earning for all your online shopping.
2. Opinion Outpost – Get Free Gift Cards To Pay For Christmas
Let’s get straight to the point – you want to know the best way to get free gift cards and cash in time for Christmas. For most people, the best way is Opinion Outpost.
Opinion Outpost pays you to share your opinions through high-paying online surveys. Sounds ridiculously easy? That’s because it really is.
The best part? It’s super easy to get paid since the value per point is really high. It takes just 50 points (5-7 surveys) to earn a $5 Amazon gift card. And since it’s 100% free to sign up, there’s no reason to not to give it a shot.
3. Ibotta – Turn Your Holiday Shopping Receipts Into Cash
If you’ve been throwing out your receipts, you need to stop doing it, like right now. You’re missing out on some serious money earning opportunities and with the holidays coming up, you’re gonna need to take advantage of as many opportunities as you can.
So how exactly how can receipts earn you cash? Well, an amazing app called Ibotta gives you cash back when you upload photos of your receipts.
The app combs through receipts looking for deals and then instantly applies cash back to your account. Ibotta works with a huge number of retailers, so there is no shortage of stores you can earn cash back at when you’re doing your shopping.
Use Ibotta at places like:
- Whole Foods
FYI: You’ll definitely want to use Ibotta for Black Friday and Cyber Monday sales. That’s when the deals kick into overdrive.
4. Credit Sesame – Check Your Credit Score Won’t Cost You Money Next Year
From higher interest rates on your credit cards to not being unable to get one in the first place, a bad credit score can end up costing you a lot.
It’s easy to check if your credit score is costing you money thought – by checking your credit score for free with Credit Sesame. It only takes 30 seconds. Credit Sesame will start monitoring your credit score for you so there are no more nasty surprise bills. It is 100% free to join so you have nothing to lose.
If you find your score isn’t what you expect, it could make Christmas more expensive than you planned for. Sign-up for Credit Sesame today to see your score and make sure Christmas is affordable.
5. InboxDollars – Earn Easy Cash For Your Holiday Shopping
You’ve probably heard here and there of people taking surveys online for a little bit of cash. While doing this certainly isn’t going to earn you a ton of cash, they are a great way to earn a little bit extra during the holiday season.
InboxDollars happens to be one of the best survey apps out there, especially for busy people with little time to spare on a side hustle. But surveys aren’t the only way to earn with this app. You can earn points by shopping online through the app at any of its 1,900 partner retailers, watching videos and searching the web.
Redeem your points for cold hard cash or gift cards to stores like:
You should definitely take advantage of this app during the holidays. Join today and you’ll get a $10 bonus via Amazon or Visa gift card, your choice.
6. Paribus – Find Cash Hidden In Your Email Inbox
You know all those email receipts you have for Christmas gifts you bought online? They might be worth actual gift cards or cash thanks to Paribus.
That’s because once you sign-up for Paribus, it will scan your email for your shopping receipts and monitor for price drops on the things you have bought.
If Paribus detects that there has been a price decrease on something you’ve bought, it will file a price adjustment claim on your behalf so you can recoup the difference.
It’s completely free to use and could make you hundreds – there’s no reason to not give it a shot!
7. Fetch Rewards – Turn Your Shopping Receipts Into Gift Cards
Most people (myself included) just throw away receipts when they get them. That’s a big mistake, though. Huge. That’s because Fetch Rewards can turn your receipts into gift cards.
It’s super easy to earn free gift card for shopping with Fetch Rewards without clipping coupons. Here’s how it works:
- Download Fetch Rewards
- Snap a picture of your receipts and the app will comb through it for participating products. Any eligible purchases you’ve made score you points.
- Redeem your points for free gift cards to your favorite grocery stores like Whole Foods, Walmart, Target and hundreds of other retailers like Amazon, Sephora, and Nordstrom.
Sign up today and use code TMMLOVESYOU to get 2,000 bonus points immediately when you upload your first receipt. This is free money, people!
8. Fiona – Use This Credit Card Alternative To Pay For Gifts
You may be tempted to put some or all of your holiday shopping on a credit card, and we totally understand why. Credit cards (most with double-digit interest rates — yikes) are a convenient way to buy the things you want and need immediately, but it’s a slippery slope and if you’re not careful before you know it you’ll have packed on a ton of debt. If you don’t have cash to buy gift this year but have a good credit score, consider getting a low-interest personal loan with Fiona.
Use Fiona to compare loans from the top lenders to find the best one to cover your shopping expenses. Find an option you like and apply for the loan through the app.
Even better, Fiona is completely free to use. No gimmicks, no hidden fees and it won’t hurt your credit score to apply.
The loans offered are between $1,000 and $100,000, lasting between 24 and 84 months. Interest rates start at 4.99% which is much lower than most credit cards. The better your credit score, (typically 660 or above), the better the rate offers.
Bonus. Shopping Online? Wait A Day Before Checking Out
We love a good coupon, promo code and exclusive deal, more than anyone. Sometimes it can be hard to find them, though. Well, we have a hack that works a majority of the time: leave the items you are thinking of buying in your shopping cart for a day or two instead of buying them right away. It’s highly likely that you will wake up to a coupon from that retailer in your email inbox or the item will receive a price drop, especially the closer we get to the holidays. So maybe take a break from bargain hunting and let e-tailers bring the deals to you.
Feature Image: Twenty20