Thursday, September 18, 2014

Free Krispy Kreme Donut Tomorrow (Friday)

I'm not really sure how to respond to this one, but Krispy Kreme is giving away a free donut on Friday September 19th because it is International Talk Like a Pirate Day.  All you need to do is come to a Krispy Kreme location and talk like a pirate.

Warning:  you will be dumber after you watch this video.


There a couple of things you can do to get a dozen donuts for free.  Check out the Krispy Kreme website for more details.


HT: Hey It's Free!

Tuesday, September 16, 2014

Buy Money Orders at Post Office with Debit Card (Paypal Debit Card)

 
 
 
Buying Money Orders with a Debit Card at the Post Office


I have known for a while that you can buy money orders from the post office with a debit card.  Unfortunately, Visa and Mastercard gift cards don't work at the post office even though they are sometimes considered debit cards.  For the most part, Debit cards aren't usually too valuable since they don't usually have cashback or miles associated with them that can offset the fees.



Enter the Paypal Debit Card. 


For the last couple of months I've been experimenting with the Paypal Debit Card as a way of creating Manufactured Spend.  When combined with the Old American Express Blue and American Express Serve, the Paypal Debit Card can be a very powerful tool.  See More at The Power Trio


The great part about the Paypal Debit Card is that it is a permanent debit card and has all of the functionality of a debit card including your name on the card.  The Paypal Debit card does work at the post office.


Keep in mind that Paypal may and probably will shut me down eventually.

Fee Structure

Fees - There is a $1.65 fee for a $1,000 money order.  The fee comes to 0.165%, which is not too bad.  You can also get up to $50 in cash at the same time with no fees.

I don't know the exact limits on this yet, but it seems as though when you try to buy $3,000 worth of money orders at one time there is Patriot Act paperwork that needs to be filled out so keep it at $2,000 a visit. 

Sunday, September 14, 2014

13.5% off Dunkin' Donuts Gift Cards from Raise - Today Only

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site:  Raise and Top Cashback





Raise.com sells gift cards to retailers at a discount.  They run almost weekly weekend sales where you can get an extra 5% off on top of the regular prices on select gift cards.  I usually don't pay attention to them because they are companies that Raise is trying to reduce inventory on so they aren't usually exciting.

Keep in mind that the base price for the gift changes with inventory so I will list its current price, but it might not be the same if you try to buy it


Click this link for the current discount rates of all the gift cards on sale

Don't have a Raise account?  Sign up free

Here is how to save 14% off of Dunkin' Donuts Gift Cards from Raise:


  • 5% 
    • Dunkin' Donuts gift cards are currently 5.1% off at raise without any discounts.
    • $47.45 for a $50 gift card
  • 5%
    • Use TAKE5 and you will save another 5%
    • $45.08 for a $50 gift card
  • 2%
    • Start your purchase from Top Cashback and get an extra 2% cash back
    • $44.18 for a $50 gift card
  • 2%

When you count all of the discounts and cashback, you end up saving 13.5%.  Not too shabby!




In related news, it seems that Raise is now allowing for American Express payments.  Nice!

Thursday, September 11, 2014

Amazon Payments No Longer Useful for Manufactured Spend!






I'm a little late to this party so most of you probably already know, but the news is still newsworthy.

Amazon Payments updated their terms and conditions and as of October 13th 2014, Amazon Payments will no longer support Peer 2 Peer credit card payments.  This means you can no longer manufacture any credit card spend with Amazon Payments after that date.  You can still use it for September and October until the 12th.

I can't say I'm upset that I can't get quite as much free money every money, but I still wish it would have continued.

You can find similar stories here, here, here, here, here, and, of course, here.


 

Tuesday, September 9, 2014

Oren's Money Saver Beginner's Guide Part 3 - Savings Without Credit Cards

Check out the other posts in the Beginner's Guide Series

Part 1 - Introduction
Part 2 - Maximize Savings Through Credit Cards


In this part, I will discuss maximizing savings online without have to use specific credit cards, for the most part part.


Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback, Ebates, Big Crumbs, Be Frugal, Raise, 


The following ways to save will be discussed:

  1. Discounted Gift Cards
  2. Shopping Portals
  3. Promo Codes
  4. Credit Card Specific Offers

Discounted Gift Cards


Depending on the store, you can often do best through buying discounted gift cards online than by buying items with your credit card.  

Let's take Starbucks as an example because it is a consistently popular gift card to sell and buy online.

Here is how to do it:


  • Go to GiftCardGranny.com
    • There are lots of websites that sell discounted gift cards.  Gift Card Granny brings the results of the main sites together on one page.  You don't buy from them, but they will tell you which websites to check.

Today, Gift Card Granny tells me that I can buy a Starbucks eGift Card for 25% off from giftcards.com, a physical gift card for24% off from ABC Gift Cards.  You can also get 21% off from Raise.  We'll talk more about Raise later (Hint: Raise will end up with the largest savings for some).




Total Savings - 
You still use your credit card to buy the gift card so your total savings for an eGift Card is 27% (2% extra from Fidelity American Express), 26% for physical from ABC Gift Cards and 22.5% from Raise (don't accept American Express).

*Note*  Please keep in mind that the gift cards are being sold from other people who still retain the account number and pin of the gift card.  They can sell it and then use the card themselves.  I will only buy from websites that give a money back guarantee if that happens within 60 or 90 days.  Only buy when you are ready to use them.

Also, prices are constantly in flux, you may get different results when you check.



Shopping Portals


Some of the biggest and best Shopping Portals are Shop DiscoverTop CashbackEbates, Big Crumbs, Be FrugalChase Ultimate Rewards and many others.  Shop Discover requires a Discover card and Chase Ultimate Rewards portal requires a Chase card that earns Ultimate Rewards.   The others are open to anyone.

Shopping portals are websites that refer you to the actual website you want to shop at.  The Shopping Portal gets money for referring you and they give you most or all of that money for going to them first.  Let's use the same Starbucks gift card as an example.

Start at CashbackMonitor.com to see which shopping portal gives back the most money for shopping at Raise.

p




Cashback Monitor tells me that I can get another 2% cashback from Raise if I start my shopping at Top Cashback.


So, I go over to Top Cashback, type in Raise and click there to confirm that I will be getting 2% cashback and it is false.  Most gift cards at Raise get 2% cashback from Top Cashback, Starbucks is more popular so they only offer 1% cashback, but it is better than nothing.



However, when you check giftcards.com and ABC Gift Cards on Cashback Monitor, neither sites give any extra cashback through a shopping portal.

Total Savings - 
Your total savings for an eGift Card is still 27%26% for physical from ABC Gift Cards and 23.5% from Raise.


Promo Codes


Many stores allow you to type in promo codes to get extra savings.  Promo codes are basically coupons for online stores.

Currently, Raise is offering a coupon code RAISE75AF for new customers.  If you spend $75, you will get $5 off.  Now the math changes in favor of Raise if you are a new customer.


The Starbucks card from Raise is for $100 and selling for $79.  After the coupon code, it will cost $74.  Combined with 1% off from Top Cashback and your credit card cashback, you will now get 28.5% cashback, more than the 27% from giftcard.com


Don't have a Raise account?  Sign up here for free



Credit Card Specific Offers



Many credit cards have offers to specific stores.  For example, when you log in to your American Express account, there is an area called "offers for you" that has a list of extra cashback at specific merchants.

My Current offers:

  • $5 off a $25 purchase at Carter's
  • 30% off a hotel booking through American Express Travel

You have to add the offer to your card and spend the money on the card with the offer.  You can use any other method to get a discount and as long as you spend $25 at Carter's, you will get $5 off.  American Express also has offers that you can sign up for through Twitters, Facebook and FourSquare.

Here are some examples of useful ones from the past:



American Express has the most number of offers and the best, which is why I collect American Express cards without annual fees.  I can usually get these offers on multiple card.


Bank of America also has BankAmeriDeals.  Some have reported getting $10 or $20 off of $100 and $200 purchases at Staples which can be used to buy Visa or Amazon gift cards at good savings, but I have never seen that in my account :(

Discover also has Discover Deals, but for the most part they are the same deals that are available through the Shop Discover shopping portal.




The Double Dip



Sometimes, some shopping portals will give cashback even when you use gift cards to pay.  This allows you to perform a double dip.  You can buy a gift card directly from the store after using a shopping portal or after buying at a discount from a third party.  Then, you can go back to the shopping portal to buy the merchandise and pay with the gift card.  Many times you will get cashback on the entire purchase, even the part you paid for with a gift card.

Here is an example from Lowe's in the past.