The holidays are one of the most expensive times of year. At times it can feel impossible to not go into debt buying gifts for all of your loved ones. But, thanks to a few of our favorite tips and tricks, you can conquer this holiday season without having to put gifts on a credit cards. Here’s how:
1. Start turning your receipts into cash every time you shop
It pays to keep a copy of your receipt every time you go shopping, particularly during the holidays when you are the most strapped for cash. That’s because a popular cash back app called Ibotta will pay you to take photos of your receipt. The app scans your receipt for deals and then instantly applies cash back to your account. It works with a ton of retailers, from Walmart to Target, so there is no shortage of stores you could be earning cash back from as you shop for holiday gifts.
This is key: you don’t want to miss out on using Ibotta before Christmas, when the deals are truly out of this world. Last year, for instance, Ibotta offered $40 just for redeeming certain deals at certain retailers on Black Friday, and on Cyber Monday it offered incredible one-time only rebates like 20% cash back at certain retailers. One of our favorite offerings at the moment is the ability to get up to 6% cash back on Amazon devices when you shop via Ibotta.
2. Turn saving money into a game and win real money to put towards holiday gifts
People spend billions of dollars a year playing mobile games (yes, that’s correct, billions with a b). That money doesn’t amount to much of anything (except for some time playing Candy Crush), but wouldn’t it be nice if you could play games on your phone and have your wallet be the one that sees a boost for a change?
That’s exactly what the new app Long Game does. Start saving money using the app, and you’ll start earning points which you can use to play games. This is where the app get’s really good: Start winning at the games and you’ll earn prizes like cold hard cash (up to $1,000,000). That’s money that could come up in especially handy this time of year.
To get started, download the app, link your bank account, and open your own FDIC-insured Long Game savings account. You’ll even get 300 free bonus Coins when you join plus up to 3,000 free bonus Coins after making your first deposit.
Turn saving money for the holidays into something that is actually fun with Long Game today
3. Don’t checkout online right away
Don’t waste time searching the internet for promo codes, let e-tailers send them to you. All you have to do to make this happen is to leave items you are thinking of buying in your shopping cart for a day or two. It’s highly likely that you will wake up to a coupon from that retailer in your email inbox.
4. Earn free gift cards without doing anything
Reward programs are great for saving money – if can remember to use them. If you’d rather get rewarded for going shopping this holiday season without needing to do anything extra, consider using Drop.
Drop is an app that adds reward points to your account every time you make a purchase from eligible retailers. What makes it useful is that rewards are automatically added to your account without you needing to do anything so you can shop without ever thinking about reward programs again. Points can be redeemed for gift cards at place like H&M, Walmart and Best Buy–perfect for using to buy gifts that you couldn’t otherwise afford.
5. Make sure you don’t get ripped off when you buy holiday gifts online
One of the toughest parts of holiday shopping online is making sure you get the best possible price on something. When you sign up for Affinityy, you get up to 20% cash back at your favorite online stores including Walmart, Macy’s, Neiman Marcus, Jet.com, and even Target.
Affinityy makes it simple to find all the cash back offers and coupons you could want. Just search for a store, click on the coupon you want, and complete your purchase as you normally would. Then Affinityy will send your cash via check or PayPal.
You almost can’t afford to not use Affinityy this holiday season to save money on gifts
6. Finance your shopping the right way
One of the biggest mistakes that people making is putting Christmas gifts that they can’t afford on high interest credit cards. A better option might be to consider a personal loan, that comes with a lower interest rate.
A great way to find out what kind of loans you might qualify for is via EVEN Financial. EVEN isn’t a lender itself, but rather a technology platform that helps to match people to the loans that are right for them. The best part? It is completely free to use. No gimmicks, no hidden fees.
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.
See what loans you qualify for via EVEN now and find out if this is the best option to help you pay for your Christmas gifts.
Feature Image: Twenty20