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Apache is functioning normally

December 6, 2023 by Brett Tams

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.

To increase your credit score to 800, you’ll need a nearly flawless payment history, a credit utilization rate well below 30%, a healthy mix of credit types, and an extensive credit history.

The average American has a credit score of 716, well within the range of what is considered a good credit score. Many people may be content with that score, but there are benefits of working your way up to the exceptional range, which starts at 800 according to the FICO® scoring method. If you’re wondering how to increase your credit score to 800, focused and careful financial habits might help you get there.

Learn more about this prestigious credit score and how to work toward it so you can improve your financial situation.

What Is an 800 Credit Score?

A credit score between 800 and 850 is considered exceptional credit. Only 23.3% of consumers have reached this credit tier, which has significant perks, including better interest rates and access to better financial products.

Several different credit scores exist, but lenders most commonly use the FICO Score, which is a number ranging from 300 to 850. Credit scores fall into five categories using this scoring method:

Very Poor: 300 – 579
Fair: 580 – 669
Good: 670 – 739
Very Good: 740 – 799
Exceptional: 800 – 850

How to Get an 800 Credit Score

An 800 credit score is more attainable than it seems. The average number of people with this score has increased steadily since 2010.

Follow the steps below to start your journey to better credit.

1. Obtain Your Credit Report and Resolve Any Discrepancies

First, request a copy of your credit report. Look for any discrepancies. File a dispute for any issues so your credit report is accurate. Credit score companies, such as FICO, base your credit score on the information in your credit report, so accuracy is essential.

If you notice errors on your report, you aren’t alone—according to an FTC study, roughly 25% of people reported errors on their credit report. Fortunately, you can challenge mistakes under the Fair Credit Reporting Act. Gather evidence to support your case and write a dispute letter to the reporting bureau. They have 30 days to investigate your claim and five days to notify you of their findings in writing.

2. Analyze Your Credit Report for Areas of Improvement

Once you’ve resolved any issues, analyze your report to determine why your score is lower than 800. Your FICO score looks at the following to determine your credit score:

Payment history: Whether you pay your bills on time and in full is the most important factor, accounting for 35% of your overall score.
Amounts owed: This refers to how much credit you’re using compared to your total credit limit, and it makes up 30% of your overall score. The less of a balance you carry from month to month, the better it is for your credit health.
Length of credit history: Credit history looks at the following and accounts for 15% of your credit score:
- Age of oldest account
- Age of newest account
- Average age of accounts
- How frequently you use revolving credit
Credit mix: FICO considers the types of credit accounts you have, such as revolving and installment credit. This factors into 10% of your score.
New credit: FICO bases 10% of your score on whether you’ve applied for several new lines of credit in a short time frame, indicating you may be overextending yourself.

Analyze your report with those factors in mind. Look for areas that need improvement:

Are you paying your bills on time?
Do you owe more than 30% of your available credit?
Is your credit history too short?
Do you only have one type of credit?
Have you opened too many lines of credit at once?

Based on the answers to those questions, you can determine what to focus on as you raise your credit score to 800.

3. Establish a Strong Payment History

The most significant factor in your credit score is a strong payment history, and Lending Tree found that 100% of people they surveyed with an 800 credit score pay all their bills on time and in full. If your credit report shows you have late payments, focus on improving your payment history.

Enroll in auto pay to ensure debts are paid promptly (but ensure you always have enough in your account to avoid overdraft fees). If you prefer to pay bills manually, add due dates to your calendar and set reminders to pay them.

4. Manage Your Credit Utilization

The second largest impact on your credit score is credit utilization, so you should prioritize lowering it.
Total all your revolving credit debts (usually credit cards and home equity lines of credit) and divide that number by your total available credit. Then, multiply that number by 100 to get a percentage.

For example, if you have one credit card with a balance of $3,000 and a second one with a balance of $2,000, your total revolving credit debt is $5,000. If each card has a credit limit of $7,000, your total available credit would be $14,000. A balance of $5,000 in debt divided by available credit of $14,000 would be 0.357. Multiplied by 100, you’d get a credit utilization rate of 35.7%.

People with good credit scores tend to have a credit utilization rate below 30%. But if you’re working to earn an 800 credit score, you’ll want to keep that number even lower: The average credit utilization rate for people with 800 credit scores is 6.1%.

If your credit utilization rate is too high, start paying down your debt. Several strategies can help you tackle this effectively:

Debt snowball method: Use extra money in your monthly budget to pay off your smallest debt. Once you’ve paid that debt off, apply the minimum payment of that debt plus the extra money in your budget toward the next smallest debt. Over time, the money you put toward your debts becomes larger, like a snowball.
Debt avalanche method: Use extra money in your monthly budget to gradually pay off the debt with the highest interest rate. Then, apply that debt’s minimum monthly payment and extra money in your monthly budget to the debt with the next highest interest rate. With this strategy, you’ll save a significant amount of money on interest.

It’s also important to avoid taking on new debt while you pay down the balances of your existing debt. Establish a budget, stick to it, and avoid making large purchases unless absolutely necessary.

5. Maintain a Mix of Credit Types

Lenders want to see a mix of credit types on your credit report. These can include:

Mortgage loans
Installment loans
Credit cards
Retail accounts
Finance company accounts

You don’t need all of these account types on your credit report, but you should aim to have more than one since a person with an 800 credit score has an average of 8.3 open accounts.

But don’t take out an installment loan just to raise your credit score. Instead, consider a credit builder loan, which involves a lender depositing the loan amount into a savings account or a certificate of deposit (CD). You’ll receive the total amount once you repay the loan, which will appear as a personal loan on your credit report.

If you have loans but no credit card, consider opening one with a low credit limit and use it for one type of purchase, such as gas or groceries. Apply for a secured credit card if you can’t get approved for a traditional credit card. This type of credit card requires a cash deposit in the amount of the credit limit that operates as collateral.

6. Lengthen Your Credit History

Lenders want to see a long history of responsible credit, so lengthening your credit history can help you raise your credit score to 800. The average age of the oldest active account for those with an 800+ credit score is 21.7 years.

Improving this area of your credit often requires patience, but you can have someone with a long credit history, such as a parent or spouse, add you as an authorized user to their credit card. For example, if your parents have had the same credit card for 10 years and they add you as an authorized user, you’ll lengthen your credit history by 10 years.

Also, don’t stop using credit cards with a longer account history, or you risk decreasing your credit history. Instead, keep them active by making small monthly purchases and paying them off immediately.

7. Monitor Your Credit Report and Credit Score

As you work through the various strategies, monitor your credit report regularly. Report any errors, monitor your report for areas of improvement, and adjust your plan as needed.

You can check your credit report for free annually using sites like annualcreditreport.com. You can also prevent hard inquiries by placing a security freeze on your credit report. This helps prevent identity theft but can also help avoid unnecessary hard credit pulls that may harm your credit.

Some credit cards may allow you to see your credit score every month as part of your monthly billing statement. (Some issuers may offer this feature for free, while others may do it for a small fee.) Ask if your credit card issuer offers this benefit and use it to track your credit score regularly.

8. Be Patient and Persistent

Working to raise your credit score is a long-term commitment. Predicting how long it will take to improve your credit depends on several factors, such as:

Your current score
Your overall credit history
How much debt you owe
How quickly you can pay the debt down

Even if you don’t see gains right away, or they’re smaller than you’d like, stick with your responsible habits. Over time, your score should improve, and even if you don’t make it to the esteemed 800, you’ll still see the benefits of a higher credit score.

Benefits of an 800 Credit Score

Raising your credit score to 800 isn’t easy, but several benefits make it worthwhile.

Easier approval for credit applications. An applicant with an 800 credit score is a low-risk investment for lenders, so they’ll quickly approve you for credit as long as the debt fits your income level.
Lower interest rates on loans and credit cards. Lenders base the interest they charge partially on borrowers’ credit scores, so the higher your credit score, the lower your rate. Once you reach 800, you’ll be able to access the best interest rates on the market, often lower than the national average, saving you money over the life of the loan.
Higher credit limits on credit cards. Credit card issuers often reward people with good credit with higher credit limits—the average credit limit of someone with an 800 credit score is $69,346, much higher than the of $28,930. While this gives you more purchasing power, its biggest benefit is that it makes it easier to maintain a lower credit utilization rate.
Access to better credit card products. With a higher credit score, you’ll qualify for credit cards with better rewards. For example, you may get access to airport lounges or earn a higher rate of return on your cash back or airline miles.
Lower insurance premiums. Insurance companies often pull your credit before determining your rate. Increasing your credit score to 800 may result in a lower rate on your home or auto insurance when you apply for a new policy.
Improved rental prospects. If you want to rent, boosting your credit score to over 800 can give you access to more rental options. Landlords use credit scores to determine how reliable you’ll be at paying your rent, and with an 800 credit score, nearly every landlord will find you a favorable tenant.
Peace of mind. With an 800 credit score, you can access loans or utilize your higher credit limits on credit cards when hard times happen.

Improve Your Financial Habits With Credit.com

Improving your credit score comes with substantial benefits, especially when you reach the exceptional credit level. While raising your credit score to 800 can take a while, the financial peace of mind, lower interest rates, and other benefits are worth it.

Start your journey to an 800 credit score by addressing any discrepancies. Then, work toward improving financial behaviors that impact your credit, such as making on-time payments and minimizing your credit utilization rate.

Source: credit.com

Apache is functioning normally

December 6, 2023 by Brett Tams

It’s almost that time, when everyone resolves to do better and achieve more in the coming year. And a new survey suggests that some people may be fueling their 2024 resolutions with the financial regrets of 2023.

About two-thirds (67%) of Americans have financial regrets for 2023, according to a NerdWallet survey conducted online by The Harris Poll on Oct. 10-12. And three-fourths (75%) of that group say those regrets will lead to new resolutions in 2024.

Every year we face obstacles to our money goals. We may start out with plans to save more and spend less, but life happens. This year began with expenses taking bigger bites out of paychecks, in the form of high inflation. And as the year progressed, increasingly high interest rates added costs to credit card balances and loans, making it more expensive to borrow. Macroeconomic factors like these can be enough to derail financial goals alone, but if they’re paired with job loss, unexpected expenses or other household circumstances, they can push goals further and further out of reach.

If you have financial regrets, you’re in good company. And if your hope is to turn them into successes in 2024, plenty of other Americans have the same plan. Here’s how some of those regrets may have come about and what to expect in the year ahead.

Money regret No. 1: Not saving more

Nearly one-fourth (23%) of Americans regret not saving enough for their financial goals in 2023, according to the NerdWallet survey. And about one in five (21%) regret not saving for emergencies.

Government relief payments paired with constrained spending during COVID shutdowns to bring the personal saving rate to all-time highs in 2020 and 2021. In 2023, that rate, which measures the percentage of disposable income that can be saved, on average, settled below historic averages, making it more difficult to save for big purchases or unexpected emergencies.

In 2024: The personal saving rate, as a national average, is likely to stay on the low side. However, with inflation continuing to come down, you may find it easier to set aside funds in 2024 than you did in 2023. If you don’t have an emergency fund, start there — having a cushion set aside for unexpected expenses can insulate many of your other financial objectives. Then, set measurable and specific benchmarks — such as setting aside a certain portion of every paycheck — to get you toward your longer-term savings goals.

Money regret No. 2: Overspending

More than one in five (22%) Americans regret overspending on entertainment in 2023; 11% regret overspending on travel and 11% regret overspending on a big event (such as a wedding or party), according to the survey.

Consumer spending in 2023 has been surprisingly resilient in the face of inflation and high interest rates. This consumer resilience has been credited with keeping the economy strong when many expected a recession. But there is also evidence that this spending in the face of adversity has been achieved by busting household budgets.

In 2024: Overspending is a risk every year — it’s hard not to splurge on things like entertainment, travel and parties (we all enjoy a good time). The first step to reining in these urges, however, is setting a clear budget. Whether it’s a weekly entertainment budget or a wedding budget, setting a clear expectation for yourself beforehand can help ensure you’re not left with remorse when the dust settles.

Money regret No. 3: Mismanaging credit card debt

Equal shares of Americans (16%) regret not reducing/or paying off their credit card debt and taking on too much credit card debt in 2023, according to the survey.

Credit card debt levels fell during 2020 and early 2021, as people had excess money thanks to relief payments and student loan forbearance, for example, and were generally spending less due to COVID lockdowns. But since then, debt levels have been surpassing pre-pandemic normal. If you used your cards less in 2021 and even paid off some debt, this return to “normal” can feel especially bad.

In 2024: When your finances are in good shape, using credit cards as a tool — to earn points and cash back, for instance — can help you reach money goals more quickly. However, when you’re in debt or have to turn to a credit card to cover an emergency expense, the interest can pile up quickly and make it difficult to dig yourself out. Interest rates will likely remain high throughout 2024, so getting those balances under control is even more important. Make a concrete debt payoff plan, and if you’re struggling to make payments, consider debt relief options such as consolidation and debt management.

Lest 2023 sound like nothing more than money woes: More than three in five (62%) Americans say they achieved financial goals they set out to reach in 2023. Financial headwinds are always present in one form or another. Preparing for them and learning from mistakes may set you up for a greater chance of success in the near future.

METHODOLOGY

This survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from Oct. 10-12, 2023, among 2,096 U.S. adults ages 18 and older. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.7 percentage points using a 95% confidence level. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact [email protected].

Disclaimer

NerdWallet disclaims, expressly and impliedly, all warranties of any kind, including those of merchantability and fitness for a particular purpose or whether the article’s information is accurate, reliable or free of errors. Use or reliance on this information is at your own risk, and its completeness and accuracy are not guaranteed. The contents in this article should not be relied upon or associated with the future performance of NerdWallet or any of its affiliates or subsidiaries. Statements that are not historical facts are forward-looking statements that involve risks and uncertainties as indicated by words such as “believes,” “expects,” “estimates,” “may,” “will,” “should” or “anticipates” or similar expressions. These forward-looking statements may materially differ from NerdWallet’s presentation of information to analysts and its actual operational and financial results.

Source: nerdwallet.com

Apache is functioning normally

December 6, 2023 by Brett Tams

Whether you’re dreaming of beaches in the Caribbean or roaming the streets of Paris, one thing’s for sure: Traveling is expensive. Factor in the cost of flights, food, and lodging, and it’s no wonder some people feel like traveling is reserved only for the rich and famous.

The good news? Traveling doesn’t have to break the bank. Saving enough money for your next holiday is totally doable, and it all starts with proper budgeting for travel. With a defined vacation budget and some planning, you could request time off for travel sooner than you think. Here’s how to do it.

How to build a travel fund

Before you start booking plane tickets and buying museum tickets, you’ll need to determine what’s realistic for your current financial state, according to Athena Valentine Lent, author and founder of Money Smart Latina. If this is your first time budgeting for travel, Lent says these three steps can help you get started:

1. Set a savings goal for your trip

Budgeting for travelstarts with identifying where you want to go and calculating the total amount of money you’ll need to cover that trip.

“Decide where you’d like to go, and start from there,” Lent says. “Research the best times to visit your travel destinations, so you can take advantage of any off-peak seasons. If you’re unable to visit during that time, consider another place.”

In addition to researching prices of big-ticket items like airplane tickets, Lent recommends researching all potential expenses to paint an accurate picture of your total cost. “Look into how much you’ll pay for lodging, food, transportation to get there—plus transportation while there—and any other exhibits or bucket items you want to check off while you’re there,” she says.

Vacations can and should include plenty of spontaneity, so Lent recommends giving yourself some extra wiggle room in your travel fund to cover other possible expenses (think: last-minute excursions and souvenirs). As you continue to plan, creating a financial vision board can help you visualize your dream vacation and keep you motivated during your savings journey.

2. Turn one big goal into multiple smaller goals

Once you’ve established how much your trip will cost, determine the amount you need to save on a monthly, bi-weekly, or weekly cadence until you can fully fund your goal, Lent says. For example, if you’ve figured out that you need $1,000 for a trip coming up in five months, you’d want to save $200 a month. Or if you wanted to break it up into even smaller chunks, you could have a savings goal of $50 a week.

Breaking your goal into smaller steps makes it appear more manageable, Lent says. Saving $200 a month feels much more attainable than trying to put away $1,000 all at once. Psychologically, splitting up a large goal into multiple smaller ones gives you a sense of accomplishment every time you cross one of your funding milestones.

3. Keep your travel fund in a separate savings account

There are ways to make your money work harder for you. With a high-yield savings account, you’ll earn a specific percentage of interest on your money, known as an annual percentage yield (APY). That interest is compounded, too, so you’ll grow your savings even faster.

Keeping your travel fund in a separate savings account is another helpful strategy. It can streamline your efforts, making it easier to track progress and know exactly when you’ve reached your goal.

“I love me a high-yield savings account,” Lent says. “The ability to put cash aside into a different account labeled with a goal motivates me to call it ‘my precious’ and protect it. I’m also a firm believer in making your money work for you.”

Tips for keeping your travel fund on track

Making a plan and budgeting for travel is a critical first step, but if you want to make your dream vacation a reality, you’ll need to stay on track. To keep your momentum going, consider these four tips for how to save money for travel:

1. Curb your spending habits

Looking for some low-hanging fruit? Lent says to try reducing nonessential spending first. While that might mean spending less money on things like dining out or new clothes, it doesn’t mean you need to live like a hermit to achieve your financial goal.

“Cutting back on your discretionary spending can seem brutal when all you want to do is live your current lifestyle,” says Lent. “My advice is to cut spending in small amounts at first and then look for cheaper ways to do the things you want to do. As you begin to cut back while still doing the things you love, you won’t be depriving yourself, which makes it easier to stick to your budget.”

2. Take advantage of freebies and discounts

Just because you’re budgeting for travel doesn’t mean you have to give up on fun entirely. These days you can find coupons or discount codes for almost any activity, from festivals and sporting events to restaurants and bars. “For example, if you want to go to a concert, look for it on a group coupon site,” says Lent. “Plan on drinking with friends? Ask your friends to check out a happy hour with you.”

There are also plenty of ways to have fun without spending money. Look no further than your local community for meetup groups, free museum or zoo days, or music nights hosted by your city or town. Depending on where you live, getting out into nature is often free, and many national parks even offer free entry on certain days. Entertaining yourself doesn’t have to be expensive – finding no-cost alternatives will enable you to put even more money away in your travel fund.

3. Hack your way to savings with a cashback credit or debit card

Another way to make your travel dreams come true is to use credit card rewards in a process known as “travel hacking,” Lent says. Some credit card providers will give you points or cash back on a percentage of the money you spend overall or in certain categories like food, travel, or gas. If you want to use these credit card rewards for travel, however, Lent recommends paying off your credit card debt each billing cycle.

Some banks also offer cash back when you spend with your debit card. For example, with Discover® Cashback Debit, you can earn 1% cash back on your debit card purchases¹ and put that extra cash toward building up your travel fund.

Earn cash back with your debit card

Discover Bank, Member FDIC

4. Consider a side hustle

If you feel like you’re not making as much headway as you’d like on your travel fund, you might want to explore some side hustle ideas to earn extra income. Side hustles can range from freelance projects on the weekend to driving for a ride-sharing company.

Pursuing a side hustle isn’t for everyone, but if you have the time and ability to take on additional work, Lent says, you can use the extra cash to fund your travels without dipping too much into your primary source of income.

Your next vacation is one travel fund away

Planning a vacation can be intimidating, especially once you start calculating how much everything will cost. But just like any financial goal, saving money for travel is doable if you have a clearly defined budget and stick to your plan.

Take Lent’s advice: If you want to know how to save money for traveling, determine where you want to go, research how much it’ll cost, and break your savings goal into manageable chunks. You’ll be jet-setting off to your next adventure in no time.

If you’re ready to build your travel fund and make your vacation dreams a reality, check out the features of a Discover Online Savings Account to see how it can keep your travel savings safe and growing over time.

Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.

¹ ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo^® and PayPal^®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay^® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.

Source: discover.com

Apache is functioning normally

December 5, 2023 by Brett Tams

Sometime recently, Chase had apparently sent out an email which mistakenly indicated that these cardholders would get double rewards at 3x everywhere from that date (??) until December 9, 2023. Today, they sent out an email that they’ll honor the mistake:

In a recent email, we displayed an incorrect earn rate. As a result, we will honor an extra 1.5% Cash Back reward on all purchases through December 9, 2023. You will see the additional earn posted to your account within 8 weeks from 12/9/2023.

After 12/9/23 you will continue to earn the normal 1.5% Cash Back on purchases.*

We apologize for the confusion and thank you for choosing Chase Freedom Unlimited. Sincerely,

Chase Card Services

Nice few days now to capitalize on this for those targeted.

Hat tip to MrHeatherroth

Source: doctorofcredit.com

Apache is functioning normally

December 2, 2023 by Brett Tams

Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Snapshot: The Capital One Spark Cash Plus is ideal for small business owners with excellent credit. No preset spending limit and a great intro bonus. There’s a annual_fees annual fee, but you could have the annual fee refunded if you spend upwards of $150,000 a year.

Pros	Cons
No preset spending limit	Annual fee of annual_fees
2% cash back rewards on all purchases	Must pay the full balance each period
5% cash back on certain travel expenses booked through Capital One Travel	Must have credit_score_needed credit to qualify
bonus_miles_full
Capital One travel rewards, including TSA pre-check and Capital One Lounge

Like what you see? Learn how to apply for Capital One Spark Cash Plus!

we got you covered.

Like what you see? Learn how to apply for Capital One Spark Cash Plus!

See Rates and Fees

Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.

Source: credit.com

Apache is functioning normally

November 28, 2023 by Brett Tams

Do you want to get paid to watch ads? While you won’t get rich watching ads (it’s not a full-time job), it’s an easy way to make extra money to cover a phone bill or pay for some groceries. And, it’s something you can do from your couch and in your spare time. If you’re…

Do you want to get paid to watch ads? While you won’t get rich watching ads (it’s not a full-time job), it’s an easy way to make extra money to cover a phone bill or pay for some groceries.

And, it’s something you can do from your couch and in your spare time.

If you’re wondering why companies are even paying people to watch ads, it’s simple.

Companies pay people to watch ads or fill out surveys to get a better idea of what the consumer wants and whether they would buy the product or not. This helps companies improve their product and potentially make way more money. They also pay people to watch their ads so that they can get more eyes on their company.

Today, I’ll help you learn how to get paid to watch ads as well as the best apps and sites to watch ads for money.

13 Best Places To Get Paid To Watch Ads

There are many different places to make money watching ads. Below are some popular options for the best places to make money watching ads.

1. InboxDollars

InboxDollars is one of the top ways to make money watching ads, with over $80,000,000 being paid out to people who use this site (watching ads isn’t the only way, though). Once you sign up for an InboxDollars account, you can start watching ads for extra money.

You can also make money on InboxDollars by:

Cash back shopping
Playing games
Trying out new products and services
Reading emails
Printing coupons

How to sign up for InboxDollars:

Sign up for InboxDollars here and get a free $5 bonus.
Start watching ads by heading to the Videos tab on their site to see what ads are available to you.

The videos open in a different tab or window. Some videos start playing automatically in the new tab or window, while others need you to click the Next button to see the next part of the content.

2. Swagbucks

Swagbucks is a website that pays people for watching ads, completing surveys, and more. You can watch ads on a bunch of topics including food, cosmetics, fashion, and more.

Swagbucks pays via points (known as SBs), and they can easily be transferred so that you can get paid either via gift cards (such as to popular retailers like Amazon or Walmart) or get cash back via PayPal.

Swagbucks’ minimum withdrawal amount is also just $3.

You can also make money on Swagbucks by:

Filling out surveys
Playing games
Scanning receipts
Complete daily tasks offered in the app
Referrals (such as with a referral link)

How to sign up for Swagbucks:

Click here to sign up.
Set up an account by entering your email and setting up a password.
Start watching ads or filling out surveys.

3. MyPoints

MyPoints is a rewards site that has over 20 million active users on their website. MyPoints has access to tens of thousands of surveys and advertisement videos to watch for extra cash.

Once you create a profile and fill out basic information about yourself, MyPoints will even send you surveys to fill out. Once you fill out online surveys, you get paid via points which can then be redeemed for gift cards, travel miles, and more.

You can also make money on MyPoints by filling out surveys, playing games, and even redeeming coupons.

How to sign up for MyPoints:

Sign up on their website.
Create an account by entering your email and setting up a password.
Start watching ads.

4. PrizeRebel

Prize Rebel is a popular survey app that rewards members who answer surveys, watch ads, and try out free samples. Prize Rebel pays out via PayPal cash, Bitcoin, gift cards, and more.

You can also make money on Prize Rebel by:

Trying out free samples
Entering sweepstakes
Trying out new apps
Trying out free trials

How to sign up for Prize Rebel:

Create an account by either entering your info or connecting your Facebook account.
Start watching ads or filling out surveys.

5. Ibotta

Ibotta is an app (available for Android, Apple, etc.) that gives cash back to customers who make everyday purchases. Once you’re in the Ibotta app, you can start clicking and activating special cash back by clicking the + button next to the item offer.

Some offers will make you watch an ad on their product in return for getting their offer.

For certain retailers, you can even link your store loyalty account to the Ibotta app. This makes it incredibly easy to earn cash back with the app because you don’t have to submit any receipts.

You can also use Ibotta even if you’re shopping online. To shop from your phone, open the Ibotta app, tap online shopping, and browse offers from hundreds of retailers.

New Ibotta users get $10 when they spend $50 at participating online retailers.

How to sign up for Ibotta:

Sign up for an Ibotta account.
Shop and click to activate offers within the app.
Shop at stores like you normally would.
Submit receipts to the Ibotta app.

Please click here to sign up for Ibotta.

Recommended reading: How To Make Money Without A Job

6. iRazoo Rewards

iRazoo Rewards is an app that pays people to watch ads and fill out surveys. New offers are added everyday, making it easy to find new ways to earn iRazoo points within the app.

You can also make money on iRazoo Rewards by:

Answering surveys
Completing offers
Playing games

How to sign up for iRazoo Rewards:

Download the app and create an account.
Fill out the information about yourself.
Start watching ads.

7. Nielsen TV Ratings

Neilson is an information and market research company that you’ve probably seen in commercials in the past as they are popular. Neilson’s job is to give companies information into consumer behavior so that they can create and improve their products.

And, this is why they need you!

Nielson pays out via PayPal Cash, gift cards to stores like Amazon, and more.

How to sign up for Nielsen:

Sign up for an account.
Download the app on your phone or computer.
Earn rewards.

8. Earnably

Earnably is a website that pays you to complete different tasks, such as watching videos.

Earnably pays out via PayPal cash or gift cards. This app stands out more from others because you only need $1 to cash out the rewards that you earn. This means that it is typically easier to get your first payment.

How to sign up for Earnably:

Create an account.
Start watching ads or filling out surveys.
Redeem points for PayPal Cash or gift cards.

9. QuickRewards

QuickRewards pays people to watch informational and entertaining videos on topics like news, lifestyle, pop culture, food, and more.

To get paid to watch videos on Quick Rewards, you simply go to their “Videos” tab when you’re logged in. You’ll then see the daily videos that are available to you, and the amount of points that you can earn for watching each video.

When I was logged in, I was able to earn points for watching movie trailers, food videos (such as cooking tutorials), ads, and more.

There is only a 1 cent minimum needed for redeeming points on QuickRewards. You can earn free PayPal cash, gift cards to Amazon, and more.

You can also make money on QuickRewards by:

Filling out surveys
Playing games
Completing offers
Shopping online

How to sign up for QuickRewards:

Create an account.
Start watching ads.

10. AppTrailers

AppTrailers is a way to make money by watching videos of new apps, celebrity gossip, DIY videos, video ads, and more.

You get points for watching these videos, which you can then redeem for PayPal cash, Amazon gift cards, and more.

You can also make money on App Trailers by playing trivia in the app and entering sweepstakes.

How to sign up for AppTrailers:

Download the app and create an account.
Fill out basic information.
Start watching videos.

11. AdWallet

Unlike the other apps mentioned, AdWallet’s only way to make extra money in the app is by watching ads. After you’ve finished the ad, you’ll complete a short survey. Once you’re logged into the app, you’ll see videos that are ready for you to view them.

The minimum payout for AdWallet is $10 and cash out options are via PayPal cash, gift cards, or donating the funds to a charity.

How to sign up for AdWallet:

Create an account.
Start watching videos.
Redeem points for gift cards or PayPal cash.

12. KashKick

KashKick is an online platform that pays users cash for completing tasks like watching videos. There are no points in KashKick, so you always know exactly how much you’ve earned.

You can also make money on KashKick by:

Completing offers
Trying out new apps

How to sign up for KashKick:

Sign up for a KashKick account.
Review offers in the app.
Start earning money.

Please click here to sign up for KashKick.

13. GrabPoints

GrabPoints is similar to all of the other survey apps and rewards its users for answering surveys, watching videos, and playing games.

To make money watching ads with GrabPoints, you want to pick one of the following video providers: Hideout.TV and Loot.tv. Each of these video providers offers all kinds of videos with topics from entertainment, fashion, sports, and action. How many points you earn depends on the channel.

You can also make money on GrabPoints by:

Taking surveys
Playing games
Downloading apps

How to sign up for GrabPoints:

Create an account.
Start earning points by watching ads or filling out surveys.
Redeem points for cash or gift cards.

FAQ – How To Make Money Watching Ads

Here are answers to common questions about how to watch ads for money.

Can I earn money from watching ads?

Yes, you can earn money from watching ads right from your smartphone or laptop. The amount you earn depends on several things such as the survey site, how long the ad is, and how much time is needed from you.

Ads pay out at around .7 cents per advertisement for Inbox Dollars and related sites. Sites may pay via PayPal cash, Visa gift cards, Amazon gift cards, and more. Withdrawals (payment thresholds) typically start at around $5 to $10, but depend on the specific site.

Recommended reading: 26 Weekly Pay Jobs To Make Money Quickly

Which app pays for watching videos?

There are tons of mobile apps that pay users for watching videos. The top apps that pay for watching ads include Swagbucks, Inbox Dollars, MyPoints, You-Cubez, and Slidejoy. You can search on Google Play and the iOS App Store to look for more. Viggle used to be a popular option for watching short films as well, but it is no longer around.

How to get paid to watch ads on your phone?

To get paid to watch ads, download the app you want to use. You can choose from many apps including MyPoints, Inbox Dollars, Swagbucks, and more. Then, create an account and fill out some basic information. Survey sites want to know information about you to match you to certain surveys.

Once you have the app and information filled out, start browsing the different tasks you can do to make money. This may be watching ads, filling out surveys, printing and redeeming coupons, playing games, etc.

Once you complete the task, you’ll start earning rewards which can then be redeemed for PayPal cash, gift cards, and more depending on the app.

Why are companies paying people to watch ads?

Companies and advertisers pay people to watch ads to get product testing, feedback and insights, and ideas on how to fine-tune their product before the product goes public.

These brands want to know what you’re thinking and what you think about certain products or services. This helps them in the process of making new items for their brand.

Recommended reading: 21 Best Free Surveys That Pay Cash Instantly

Is it worth it to make money by watching ads?

You won’t get rich making money watching ads, but it is an easy way to make extra income to pay off a bill each month.

You may want to think if it’s worth the time and effort to make money watching ads. Try out an app or site listed above for a couple of weeks and see if it’s worth it. You may find that it’s easy enough to do while you’re watching Netflix or waiting in the car to pick up your kids from school.

How To Get Paid To Watch Ads – Summary

If you’re looking to make extra money in your downtime, watching ads is an easy side hustle to start.

By signing up for apps and sites like Inbox Dollars and Swagbucks, you can get paid watching ads, filling out surveys, and even get free products in return for giving feedback to the brand.

Do you make money watching ads?

Apache is functioning normally

November 27, 2023 by Brett Tams

This KashKick Review will help you figure out if this rewards site is worth your time or not. KashKick is a rewards platform where you can get rewards for doing things like answering questions and playing games online. You can then turn these rewards into real money through PayPal. To really get how KashKick works,…

This KashKick Review will help you figure out if this rewards site is worth your time or not.

KashKick is a rewards platform where you can get rewards for doing things like answering questions and playing games online. You can then turn these rewards into real money through PayPal.

To really get how KashKick works, it’s important to know all the details. This means knowing what to do from the start, like signing up and getting your money.

Continue reading this KashKick Review to learn more.

Please click here to sign up for KashKick for free.

Key Takeaways

KashKick is an easy way to earn extra cash online through surveys and playing games.
KashKick pays via PayPal cash.
They have games such as Monopoly GO, Yahtzee, Bingo Blitz, Scrabble Go, and more where you can make $100+ per game.
They also have a referral program where you can refer your friends and family to their site and earn 25% of their lifetime earnings.
This is a free site to join.

What is KashKick?

KashKick is a GPT (get paid to) rewards site, which means that there are lots of different ways to get paid on this platform.

It’s aimed at giving you an opportunity to earn some extra cash, and this platform rewards you for completing different tasks. These tasks include taking surveys, signing up for apps, and even trying out new products and services.

They have a PayPal cash-out option with a minimum payout threshold of $10. This makes the platform a good option if you’re looking to supplement your income without spending too much of your time and energy.

Recommended reading: 21 Best Free Surveys That Pay Cash Instantly

How to Make Money on KashKick

KashKick is a money making app with many different ways to make money. Some different ways include:

1. Take surveys

One of the top ways to earn on KashKick is by answering surveys.

These surveys are given by different market research companies or brands who are looking for opinions from normal people like me and you. By paying for surveys, these companies can learn how to improve their product, their advertising, and more.

The amount you can earn per survey depends on its length, but they are typically less than 20 minutes long and you will usually earn around $1 to $5 per survey answered. These surveys aren’t hard either – they simply want to know what you truly think!

To make the most of this type of earning opportunity, you should take surveys as much as you can and pay attention to the survey invitations you receive in your email.

Here’s an example of a game you can get paid to play on KashKick.

2. Play games

Another way to make money on KashKick is by playing games.

The platform has partnered with different game developers and companies, allowing people like you to try new games and earn rewards for them.

The reason people get paid for playing games on KashKick is because the site partners with advertisers and businesses who are looking to promote their products or services. By playing these games, you help these advertisers reach a wider audience. In return, KashKick shares a portion of the revenue earned from these games with you. It’s a win-win situation where you get to have fun and earn a little extra money, while businesses get exposure for their ads and games.

There are many different games you can play on KashKick such as:

Monopoly GO
Yahtzee
Bingo Blitz
Scrabble Go
MGM Slots
Solitaire Smash

And so much more.

For example, here’s how you can make money playing Monopoly on KashKick: “Install (make sure to accept tracking requirements on your device!) and reach Board 27 within 8 days from the install date to get $30, reach Board 42 within 12 days for $40 more and reach Board 71 within 24 days for another $50 – for a total of $120!”

While playing games, it’s important to track your time spent and calculate your earnings potential to make sure your gaming activities are worth the effort. If you find that you’re spending too much time playing games, then it may not be worth it.

3. Reward offers

KashKick has many reward offers, such as paid offers or app installations. To see their offers, you will want to go to the offers section on the KashKick website and you can find the tasks that suit your interests and preferences.

For example, with KashKick Offers, if you register and select your unique $Cashtag, you will get $4. Or, if you link your bank account to Stash and make a qualifying deposit, you will get $50. Another offer is to sign up for an app that gives cash back at the gas station pump, and then you can earn a $15 reward.

There are currently 85 different offers available to me on KashKick, so there are lots to choose from!

Checking the featured offers regularly can really boost how much you can earn. That’s why it’s a good idea to keep an eye on this section for new chances to make money.

4. Referral bonus

KashKick has a nice referral program to encourage you to bring in new members.

When you invite friends or family to join the site, you can earn a referral bonus in the form of a percentage of their lifetime earnings. This not only helps you boost your income but also creates a way to make passive income over time because you won’t have to do anything extra to earn the 25% referral bonus.

If your friend joins using your referral link, you’ll get 25% of the money they make from doing Offers on KashKick.

You can find the referral link by clicking on the money icon in the top right corner when you are logged in. Then click on “Refer a Friend.”

Note: This bonus doesn’t apply to the money they earn from Surveys or Extra$.

5. Extra$

Extra$ are even more ways to earn cash on KashKick. These may be purchases you can make to save money, free trials, and more.

Some of the Extra$ I have available when I log in include:

Try SiriusXM for just $1 for 3 months and earn $6.54
Sign up for Paramount+, try the trial, and earn $0.60
Place your first order with Uber Eats and earn $7.00

There were over 100 of these available on my KashKick dashboard.

6. Sign up bonus

When you first sign up on KashKick, you may be eligible for a sign-up bonus. This bonus is generally offered in the form of cash that can be added to your account balance. There is not currently a KashKick sign-up bonus, but I will let you know when that changes.

How to sign up for KashKick

Signing up for KashKick is an easy process that can be done in just a few steps. Here’s how you can sign up for KashKick:

Click here to sign up for KashKick for free.
Enter your email address and create a password.
Fill out your profile – Next, you will answer some basic information about yourself, such as your age and location. Keep in mind that you must be at least 18 years old to sign up, and you must live in the United States.
Confirm your email address – Once you have entered your information, KashKick will send you a confirmation email that you will have to click on.

And, that’s it!

Now that you’ve successfully signed up for KashKick, you can start earning cash rewards by completing surveys or playing games.

Ways to cash out on KashKick

To cash out on KashKick, you need to reach a minimum earnings threshold of $10.

When you reach the threshold, you can request your payment through PayPal. It’s the only payment method that KashKick has. So, you will want to have a verified PayPal account before you start a KashKick account.

Once you request your payout, it usually takes around 1 to 3 days to receive your payment, which is completely normal.

It’s important to know that accounts are considered inactive after 90 days of inactivity, and earnings in these accounts may be forfeited. So, don’t forget to continuously participate in the platform and cash out before it’s too late.

KashKick reviews

Below are KashKick reviews from websites such as Trustpilot and Reddit.

KashKick Trustpilot reviews

KashKick has a 3.7 out of 5-star rating on Trustpilot, with around 600 reviews.

Of the negative reviews of KashKick, some people were having trouble with accessing their accounts and this led to a negative experience. KashKick did respond to these complaints with a support email to reach out to them.

If you have issues with KashKick, I highly recommend reaching out to their customer support team at [email protected] or reach out to them via their Facebook page.

KashKick reviews on Reddit

Overall, I found many good reviews of KashKick on Reddit. Many people were earning money mainly by playing KashKick games. I found many KashKick reviews on Reddit where users said that they play the games all the time in their downtime and often reach the $100+ payout for the games.

KashKick vs competitors

Wondering how KashKick compares to its competitors? Whether you are looking for another paid survey site or if you want different ways to earn, then I recommend reading the below.

Swagbucks

Swagbucks is a popular rewards platform similar to KashKick. Like KashKick, you can earn points (called SB) by completing tasks such as watching videos, completing surveys, and shopping online. There are many different ways to earn, and Swagbucks is one of my favorite rewards sites. So, I highly recommend joining this one if you haven’t yet.

You can sign up for Swagbucks here. Also, you can read my Swagbucks Review here.

Survey Junkie

Survey Junkie is one of the most popular survey sites. The minimum cash-out threshold is also $10. Survey Junkie is heavily focused on surveys, though, so if you’re looking for different earning opportunities, it might not be the best match.

You can sign up for Survey Junkie here. Also, you can read my Survey Junkie Review here.

InboxDollars

InboxDollars is another online rewards site like KashKick, and it allows you to earn cash by completing tasks such as online surveys, watching videos, and signing up for offers. InboxDollars has a slightly higher cash-out threshold of $15, meaning it might take longer for you to claim your rewards.

InboxDollars pays via PayPal cash, as well as gift cards to places such as Amazon, Apple, Target, Dunkin’ Donuts, Lowe’s, Barnes & Noble, and Gap.

Frequently Asked Questions About KashKick

Below are answers to common questions about KashKick.

Is KashKick a legit way to make money?

Yes, KashKick is a legit rewards site where you can earn cash for completing tasks like answering surveys and playing games. They have a low payout threshold of $10 and pay through PayPal, but keep in mind that sometimes it can take a long time to reach the withdrawal minimum.

Does KashKick pay you to watch videos?

At this time, KashKick does not currently have videos that pay you to watch. However, this is a feature that they may add in the future.

How do I sign up for KashKick?

Signing up for KashKick is simple and free. You can sign up here.

Does KashKick have a mobile app?

Yes, KashKick has an app for Android users to download. However, there is not a mobile app for Apple iPhone users yet.

How long does KashKick take to pay?

KashKick payments take around 1 to 3 days.

Can I use an international PayPal account to withdraw my KashKick earnings?

Unfortunately, no. KashKick only allows a valid United States-based PayPal account for payments.

Is KashKick legit or a scam?

KashKick is a real online rewards site that gives you many different ways to make money, such as playing games online, watching videos, signing up for other apps, and answering surveys.

KashKick Review – Summary

I hope you enjoyed this KashKick review.

KashKick is an easy site to use if you want to make some cash in your spare time. Plus, there are many different ways to make extra money – from playing games to answering surveys, and more.

To sum it up, KashKick is a simple website where you can earn rewards in different ways. If you do things like answer surveys, you’ll also benefit from a low amount needed to cash out.

So, why not give it a shot and see if it’s a fit for you!

Please click here to sign up for KashKick for free.

Have you tried KashKick? What did you think?

Apache is functioning normally

November 23, 2023 by Brett Tams

Grab your wallet because the busiest time of the year for spending is upon us. Despite persistent inflation and dwindling household savings, shoppers are planning to drop up to an estimated $967 billion during this holiday season, a November 2023 study by the National Retail Federation shows.

The Consumer Financial Protection Bureau, in a 2023 report, estimates that 74% of adults in the U.S. had a credit card account in their name as of the end of 2021. And a 2023 NerdWallet survey found that nearly 3 in 4 Americans (74%) are planning to use their card to pay for holiday expenses.

If you’re sitting on a stash of points or miles, you may be tempted to use them to offset holiday purchases. And when you’re trying to stick to a holiday budget, this can seem like a great idea. It may not provide an optimal value, but many people aren’t trying to wring the most out of every point. And that’s OK. If you’re responsible with your credit and using your rewards card wisely, you’re already ahead.

But if you want to get the best value from your credit card reward points, here are five pitfalls to avoid this holiday shopping season.

1. Using ‘pay with points’ at checkout

Since the pandemic, a growing number of credit card rewards programs have implemented a “pay with points” option at popular merchants like Amazon and Best Buy. This allows cardholders to easily use their points to directly offset the cost of their purchase at checkout. The problem? Many shoppers don’t realize that point values are often diminished when they are redeemed this way.

For example, the industry-standard value is a penny per point. But paying with points at checkout often gives 20% to 30% less value. By comparison, points earned from some credit cards can be worth up to 1.5 cents each toward travel, with the potential for even value when transferred to an airline or hotel travel partner.

You also won’t earn rewards on purchases when you pay with points. Even if you want to redeem rewards for cash back, you’d be better off charging the purchase on your card to earn rewards and redeem rewards for cash or statement credit to cover the purchase later.

2. Redeeming points for merchandise

Many credit card issuers offer the ability to redeem your miles and points for goods through a catalog or digital shopping mall. But think twice before you pay for those new AirPods for Dad with your rewards.

Redeeming points for merchandise through your credit card’s digital shopping mall will rarely provide good value. These malls often have higher prices than if you were to buy the same product elsewhere. That means that even if it seems like you’re getting a typical 1 cent per point value, they’ll actually be worth less since the items may be overpriced.

3. Opening a store credit card

When shopping, you might be offered an opportunity to open a new credit card at checkout to score an immediate discount. While this might seem like a good deal, retail store cards are often a less valuable choice in the long run. The rewards earned are usually limited to more goods from that retailer and often expire quickly. Plus, credit limits are typically lower than a general rewards card, and interest rates are higher.

If you’re in the market for a new rewards card this holiday season, you’ll likely do better applying for a general cash back or travel rewards card to earn rewards that have more flexibility. These cards also tend to offer more valuable sign-up bonuses than retail cards. The Wells Fargo Active Cash® Card, for example, has this offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

4. Thinking all travel redemptions are created equal

If you have a travel rewards card, you naturally want to use your points toward travel. But be aware that travel booking portals through your credit card can have very different point values depending on your card, its issuer and the type of booking.

For example, booking flights, hotels and rental cars with Chase rewards offers a steady value between 1 and 1.5 cents per point, depending on which card you have. American Express, on the other hand, offers a value of 1 cent per point toward airfare and specific luxury hotels. But the value drops to 0.7 cent per point when redeemed for other hotels and rental cars.

Transferring your rewards to a travel partner’s loyalty program often gives better value, but not always. Some card issuers also charge a fee to transfer points to partner programs.

5. Donating your points and miles

Most airline, hotel and travel credit card rewards programs give you the option to donate your miles and points to select charities. This can sound like an appealing win-win for both you and the charity. You donate your unused rewards and the charity receives a cash contribution.

However, many loyalty programs don’t divulge the cash value a charity will receive for your donation. Another catch is that you won’t get a tax deduction because the IRS generally doesn’t view rewards as income.

If you’re conscious of cash flow but still want to make a charitable gift, consider donating cash rewards from your cash back credit card instead. If you redeem the cash rewards, then make a cash donation, you’ll get good value for the rewards and also qualify for a tax deduction.

Source: nerdwallet.com

Apache is functioning normally

November 22, 2023 by Brett Tams

Hello! The deals have started. Today, I have created a Black Friday and Cyber Monday roundup of the best deals I have found. The deals below will help you grow via Pinterest, make money blogging, add legal templates to your blog, start your own course, work from home, and more. The resources included here are…

Hello!

The deals have started.

Today, I have created a Black Friday and Cyber Monday roundup of the best deals I have found.

The deals below will help you grow via Pinterest, make money blogging, add legal templates to your blog, start your own course, work from home, and more.

The resources included here are all my favorites!

Note: Most of the deals below end on Monday night, November 27th at 11:59 pm.

Making Sense of Affiliate Marketing – 20% off!

Want to learn how I’ve made over $1,000,000 from affiliate income on my blog? There are over 10,000 students in my course, with great results!

Making Sense of Affiliate Marketing is a step-by-step guide to creating and making money from your own successful affiliate marketing strategy. This course explains all of the ins and outs, so you are never left wondering where to go next when creating and implementing your affiliate marketing strategy.

Here’s one recent testimonial I received:

“I took Michelle’s course at the very beginning of my blogging journey when I knew NOTHING about affiliate marketing. I had no idea how to find affiliate programs, create deep links, cloak links or how to strategically add links to posts and newsletters. Michelle’s course answered all these questions with easy to digest lessons, worksheets, spreadsheets and a workbook. I had my affiliate marketing up-and-running in no time, and five years later, I make about $8,000-$9,000 per month with affiliate marketing. Her course was incredibly helpful and instrumental to me.” – Kristin Hanes, The Wayward Home

You can use coupon code BLACKFRIDAY23 or simply click here to take advantage of this deal on the full payment. It starts today and ends on Monday night (November 27th) at 11:59 pm.

Making Sense of Sponsored Posts – 20% off!

Learn how we made our first blogging income, and how we have earned over $500,000 from sponsored partnerships over the years!

Making Sense of Sponsored Posts is a step-by-step guide to creating and making money from your own successful sponsored partnership strategy. This course explains all the ins and outs of sponsored posts and working with brands.

You can use coupon code BLACKFRIDAY23 or simply click here to take advantage of this deal on the full payment. It starts today and ends on Monday night at 11:59 pm.

Start your blog for $33

Right now, you can start a blog for just around $33 total for 12 months, through Bluehost. You will also receive a free blog domain through my link too.

Simply click here to get the low price + free domain name deal.

Pinterest Traffic Avalanche – 30% off

This is a great course for anyone who wants to learn all about Pinterest and get page views.

You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday, November 27th at 11:59 pm.

Launch Your Blog Biz – 30% off

This course will teach you how to make your first $1,000 per month blogging.

You’ll learn how to master WordPress, design your blog, create content, get readers to your blog, make money blogging, and more.

You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday night at 11:59 pm PST.

Six Figure Creator (used to be called Six Figure Blogger) – 30% off

This course will teach you how to earn six figures with your blog from digital products and services.

This is a highly recommended course and I personally know bloggers who have seen success after taking this valuable course.

You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday night at 11:59 pm PST.

Start an email list with ConvertKit – 30% off their annual Creator Plan

I have been using ConvertKit for years and I highly recommend them.

This Black Friday, they are having their biggest deal of the year.

For any free and monthly plan users, all annual plans up to and including 10,000 subscribers will be 30% off for the first year!

With this special offer and their Creator Plan, you can grow your email list and make income with:

Automated email sequences
Visual automation builder
Newsletters

And more! If you’re ready to finally level up your toolset and invest in yourself, check out how you can get started on the next phase of your journey.

You can click here to learn more about this deal.

Start your own course – Up to 40% off

If you’ve ever thought about creating an online course but need a good reason to start, here’s one: Teachable is having their biggest sale of the year right now. Teachable makes it easy to create and sell online courses, coaching services, membership sites, and digital downloads.

I use Teachable for both of my courses, and I highly recommend using their platform.

Here are the discounts they are offering:

25% off for one year of Basic annual plan – use coupon code MC-BLACKFRIDAY2023-BASIC25
40% off for one year of Pro annual, Pro +, and Business plan – use coupon code MC-BLACKFRIDAY2023-PRO

This deal starts today through Monday, November 27th at 11:59pm ET. Simply click here to take advantage of these Black Friday deals.

Website Legal Templates Bundle – 50% off

I have received so many questions over the years about legal templates, and this is what I recommend using.

With the Website Legal Templates Bundle, you can protect your blog with a Privacy Policy, Terms and Conditions, and Disclosures and Disclaimers.

Simply click here to take advantage of this deal and use coupon code 2023BF50. It starts today and ends on Monday, November 27th at 11:59 pm PST.

Become a Proofreader – 70% off

Proofreading is the process of reviewing and checking a written document to find and correct errors in grammar, spelling, punctuation, and formatting.

Proofreading is an in-demand job where you only need a laptop or tablet, an internet connection, and the skills to get started. Learning how to proofread is a valuable skill that can open doors to a successful work-from-home career. Due to the increasing demand for online content, now is a great time to learn how to proofread.

This is a great price for this course and I don’t know if I’ve ever seen it for 70% off. This course is normally $797 and today it is only $239.10. If you want to become a proofreader, do not miss this!

Starting today through Monday, November 27th at 11:59 PM ET, you can get 70% off General Proofreading (Ignite Plus level). Please click here to get 70% off. Use coupon code BFCM70.

Become a Transcriptionist – 60% off

Transcription is when you turn audio files or video content into a text document.

There are many businesses looking for transcriptionists too – Examples include marketers, authors, filmmakers, academics, speakers, and conferences of all types.

This is an amazing sale on this course. If you want to become a transcriptionist, do not miss this!

Starting today through Monday, November 27th at 11:59 PM ET, you can get 60% off the Transcribe Anywhere courses. Please click here to get 60% off.

Become a Bookkeeper – 40% off

Want to learn how to become a virtual bookkeeper?

Online bookkeeping can be a great way to work from home, and remote bookkeepers are in high demand too. If you’ve been wanting to work from home and want to earn $40,000+ each year, bookkeeping may be perfect for you.

From today through Monday, November 27th, the Black Friday deal on this virtual bookkeeping course is that you can enroll in Bookkeeper Launch Pro and Premier for 40% off (full payment only)!

You can learn more by clicking here (no coupon code need as the discount will be automatically applied to your cart over Black Friday weekend!).

DepositPhotos – Get 100 photos for $39

I just bought this deal and I do every year. DepositPhotos is an affordable place to purchase photos.

Putting pictures in your blog posts is important.

They can help explain your story, break up text to make a blog post easier to read, and you need them for social media too (such as Facebook and Pinterest).

You can click here to check out this deal.

Tip for shopping this holiday season:

There are a few other ways to save this holiday season by using easy cell phone apps! Don’t forget to:

Scan your grocery receipts with Fetch Rewards. Fetch Rewards is a cash back and gift card cell phone app that rewards you for purchases that you’ve already made. With Fetch Rewards, you can earn points by submitting your receipts to the Fetch Rewards app from any grocery store. Yes, ANY! You can sign up for Fetch Rewards here.
Shop with Rakuten and get cash back at online retailers. All you do is click on a store that you want to shop through (they have tons of stores such as Target, Walmart, Best Buy, Kohls, REI, etc.) and shop just like how you normally would shop online and get cash back. Plus, when you sign up through my link and make a qualifying purchase, you receive a free $40 cash sign-up bonus.
Get cash back at gas stations with Upside. I recently downloaded this and it is very easy to use. Upside is a mobile app that helps you find gas stations, groceries, and restaurants where you can earn cash back. You simply sign up for a free account, and then look at the Upside app to find places near you. You can earn up to $0.25/gallon cash back at gas stations, up to 30% back on grocery purchases, and up to 45% back at restaurants. You can check out Upside here to learn more.

I use all three of these apps and recommend them if you are looking for easy ways to save money right now.

Also, I recommend reading How To Save Money During The Holidays (20+ Ways To Save & Make Money!) if you are looking for ways to save money this holiday season.

I hope you enjoyed this list of deals and found something you can use.

Enjoy!

-Michelle

Source: makingsenseofcents.com

Apache is functioning normally

November 21, 2023 by Brett Tams

Merrick Bank issues credit cards designed for consumers who are building credit. Payment activity on the cards is reported to the three major credit bureaus, meaning careful card use can help you establish your credit over time.

Indeed, credit-building is the main benefit of the Merrick Bank credit cards. There are no other perks, like a 0% interest promotion or cash-back rewards. Plus, you may be on the hook for a few pricey fees, making other starter credit cards or cards for bad credit more appealing options to consider.

Here are five things to know about the Merrick Bank credit cards.

1. There are two Merrick Bank credit cards

Merrick Bank issues two credit cards:

The Merrick Bank Classic Secured Credit Card, which requires a security deposit of $200 to $3,000.
The Merrick Bank Double Your Line Credit Card, an unsecured card that automatically doubles your credit limit after the first seven months if you make at least the minimum payment on time each month.

2. You may need an offer by mail to apply

The Merrick Bank Double Your Line Credit Card requires a mailed offer before you can apply. Enter the certificate number that appears in the offer to start the application. You can also search for your certificate number by entering your last name, last four digits of your Social Security number and ZIP code on the card’s website.

You can apply for the Merrick Bank Classic Secured Credit Card online without a mail offer.

3. Get ready to pay some fees

For the Merrick Bank Classic Secured Credit Card, the annual fee is $36 for the first year, after which the fee is still $36, but it’s charged in monthly increments of $3. As of this writing, the APR is more than 22%.

Things get a little pricier with the Merrick Bank Double Your Line Credit Card. It charges high interest rates — as of this writing, the variable APR tops out at nearly 31%. Plus, there are a couple of potential fees you may have to pay depending on what Merrick Bank determines: a one-time account setup fee of $0 to $75, and an annual fee of $0 to $72 (billed at up to $6 monthly after the first year).

High interest rates and fees are common for unsecured credit cards for bad credit. However, depending on what you can qualify for, you may find other cards’ fees to be more affordable.

4. Neither card offers perks

The main benefit of both of these cards is access to credit and the ability to build credit through careful use. And the Merrick Bank Double Your Line Credit Card will, as its name implies, bump up your credit limit after a few months. Otherwise, there are no cash-back rewards or sign-up bonuses to sweeten the deal.

There are alternatives that offer more extras, even for those who are newer to credit-building. The Capital One Quicksilver Secured Cash Rewards Credit Card has a $0 annual fee and earns 1.5% cash back on all purchases. It has a $200 minimum deposit, and you can be automatically considered for a credit limit increase after six months.

The Discover it® Secured Credit Card also has a $0 annual fee and $200 minimum deposit. It earns 2% cash back at gas stations and restaurants on up to $1,000 in combined spending per quarter (then 1% back), and 1% cash back on everything else. New cardholders can also get this sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

5. There are no other Merrick Bank credit cards to graduate to

As you more firmly establish your credit history, you’ll potentially become eligible for a greater variety of credit cards, including rewards cards with more appealing benefits. However, you won’t be able to stick with Merrick Bank credit cards if you eventually want those extras. And even though unsecured cards are the typical next step after secured cards, the Merrick Bank Double Your Line Credit Card faces some serious competition from lower-fee cards with more to offer.

Source: nerdwallet.com