Better Ways to Save

How I do it, and what I do. I combine online shopping portals and a few other methods. In the process, I earn $1,600 a year. Are you?

How Dave Ramsey's Total Money Makeover Reshaped My Financial Life

I might not be much of a self-help reader, but this book is a must read!

You STILL Aren't Using Ebates?

E-bates is an amazing money saving website. Read this and you'll find out why.

If you are looking for extra income without any investment, I love (and use) this website for just that.

Bigger, Better Grocery Savings

If you aren't saving $100 a month on your grocery bill, start now!

Even Better Ways to Save

I say this often, “There is always a better way to do something.

It is this mode of thinking that leads me to always be on the look out for a better way to save, shop, spend and --did I mention-- save more, and this week I found one: Perk Street Financial

Why I’m Loving Perk Street
I keep my bank and pre-load my debit card. I earn 5 percent cash back from merchants Perk Street is linked to. I’ll use the Perk Street card in lieu of E-bates if the E-bates website I want isn’t offering more than 5 percent cash back. However, if the E-bates offer is more than 5 percent, I still use my Perk Street card to pay for my wares, because I earn 2 percent cash back –better than the 1 percent most other banks offer.



The Proof is in the Pudding, right?
I needed to buy make-up. Personally, I love Avon.com –and I can help a friend earn commissions each time and even give a different friend commission each time, if I want to. So, I logged on to E-bates, who offered 8 percent cash back (no brainer).  I skipped the Perkstreet and went straight to the site. I bought concealer, foundation, eyeliner and mascara –all on clearance with free shipping. I spent a grand total of $26 (less than I would spend at a local big box store and I’ll prove it…later), and my math broke down like this: 

Total: $26
E-bates cash back: $26 x 0.08 = $2.08
Perk Street cash back: $26 x 0.02 = $0.52

Savings: $2.60

Of course, this isn’t a staggering amount of cash, but pennies add up to dollars and dollars add up to more dollars and…well, you get the idea. In contrast, had I shopped at Wal-mart for similar items with my Perk Street card, my total would have looked like this: 

Foundation: $12
Mascara: $9
Eyeliner: $9
Concealer: $8
Total: $38


Cash back with Perk Street (@ 2%): $38 x 0.02 = $0.76

You don’t have to be a rocket scientist to figure out that if I shopped at my local big box store for similar items I wasted over $11.24 shopping in store…plus gas money. Rinse and repeat this a few times and that answers the age-old question of where all your money is going. So, sign up for a free E-bates account and combine that with a free Perk Street cash back debit card and start earning beaucoups back instead of overpaying for everything. Join me and live a cash back lifestyle. For lack of a better phrase, it’s rewarding. 

Want more on my money back life? Check out these links to my Yahoo articles:
How I Earn $300 a Month By Paying My Bills 


Questions begging answers? Post a comment or email me

E-bates + Drugstore.com = Serious Savings

Save more money using rebates and cash back.
I bet that you are still buying all of your household cleaners and hygiene items in the grocery store, aren’t you? What if I told you there was a better way to shop and save, without ever leaving your house? Well, my friends, the proof is in the pudding. 

Let me give you an example of smart shopping, and even smarter savings. I like bulk buying and I usually do it on the internet --I save more money that way. Hogwash you say? Not exactly. You see, with the help of E-bates (which is free by the way) I log on to Drugstore.com and earn 8 percent cash back on my purchase.  

I load up on all of my monthly shampoo, conditioner, toothpaste, deodorant, body wash, lotion, shaving items, facial cleansers and cleaning supplies from this website. In a family of four girls, we go through a lot of these things fairly quickly. At Drugstore.com I get instant coupons for $0.50 to $1.00 off a variety of items, making them less than what I would pay in store, plus I earn cash back from E-bates AND I get five percent in Drugstore dollars to apply to my next purchase. 

This is what my savings looks like: Spent: $108 – 8% cash back from E-bates – 5% cash back from Drugstore.com = $14.04 (better than shopping in store with coupons). 

Side note: Shipping was free. 

Add on those already awesome savings my 2% cash back from my debit rewards card, and I’m saving 15% off the top…plus I get a free Philosophy gift with my purchase. It’s a win/win/win all the way around. 

My monthly order of Proactiv for the twins? 8 percent cash back from E-bates.
My monthly make-up order from Avon? 6 percent cash back from E-bates

Bottom line: I save more, I spend less (because I see the totals in my cart add up before I get to the register), I earn cash back from each purchase, I get free gifts with my purchases all the time, I rarely pay shipping, and I don’t have to go to the store to do any of it. So, let me ask you, why aren’t you shopping like this yet? Visit E-bates and sign up TODAY and join me in the savings.

Recommended Reading for My Fellow Frugalistas

Must Reads


It's no secret that I like saving money, and I acknowledge there are smarter people out there than I --although not many, ha ha. Regardless, I do recommend Frugillionaire: 500 Fabulous Ways to Live Richly and Save a Fortune as an addition to either your bookshelf or your Kindle (hint: Kindle is cheaper). Some of the ideas contained in this book are common sense in nature, but there are numerous nuggets of wisdom that I found extremely helpful as additions to my frugal living pledge. 

In the coming months, you will see advertisements for my upcoming E-book: Financially Fit: 30 Days to a New You. This is going to be an EXTREME financial boot camp, designed to get you out of the bad habits you currently make with money, in addition to some tips and tricks to help you make some money and build wealth. Essentially, this is going to be Penny Pinchers 2.0. However, as I work on this, I would love some input on things you would like to see included, so please leave a comment or send me an email. Of course, my e-book price is going to be designed for the frugally minded, costing no more than $3.99 for a download AND we will be launching some prizes and contests for those of you who want to try and get it for free.


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