• Swagbucks: Earning A Little Extra

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    Swagbucks…..what is it?  That was my thought initially as well.   A couple friends mentioned it several times so I decided to check it out for myself.  Even though I have only been part of Swagbucks for a few weeks I must say I am impressed.  I have been able over the short period of time accumulated quite a few Swagbucks and earn several gifts, including Gift Cards to places like Amazon, Starbucks, and more.  Are you looking for ways to get a little bit extra, make your budget stretch, money for gifts, special occasions, gift cards, or just for fun?

    I want to give you a little information on Swagbucks and how you can enjoy the perks as well!  Swagbucks is FREE to join and you can earn many gifts you can use for your family or share with others!

    Starting Out – What is Swagbucks?

    • Swagbucks is a search engine that gives you rewards (like Google).  You earn Swagbucks for searching and bonus ones through various searches and tasks you can do online.  Typically you earn between 5 to 20 Swagbucks for searching each day.  There are many ways to earn additional Swagbucks (I discuss those a little later in this post). 

    What Do I Earn With My Swagbucks? (Below are a few of the items categories, they typically have thousands of prizes to choose from every day)  Always make sure to check out their “On Sale” and “Hot Deals” categories first before cashing in your Swagbucks because they may have an item or gift card you want on sale or at a discount!

    • My Favorite is for Gift Cards – Amazon, Starbucks, Restaurant.com, Barnes & Noble, Target, Macy’s, Bass Pro Shops, Lowe’s, and MORE!
    • Cash – PayPal
    • Apparel & Accessories
    • Books & Magazines
    • Consoles & Video Games
    • Electronics
    • Kid Items
    • Gift & Reward Cards
    • Health & Beauty
    • Jewelry
    • Kitchen Items
    • Movies & TV
    • Music
    • School Supplies
    • Sports & Collectibles
    • Trading Cards
    • And MUCH MORE……

    How Do I Get Started?

    • It is free to join!  All you have to do is fill out a form to get started!
    • Only 1 account per household is allowed (they will close all your accounts if you try to do more than one per household).

    Are There Really Any Benefits?

    • YES!  I have been able to cash in on multiple prizes and gift cards even though I have only been using it a few weeks.
    • If you are already online you can easily begin earning gift cards, prizes, and more just by doing things you already do every day.  You can spend your Swagbucks as you earn them or save them up for gifts (birthday, Holidays, weddings, baby showers, Christmas, anniversary, and more).
    • It is possible to earn a gift card (or several) every month!

    How Do I Earn Additional Swagbucks?

    • Install the Swagbucks Toolbar – when you install the Swagbucks toolbar you will earn Swagbucks for searching online.  If you prefer to not install the toolbar and continuing using your current sofware (Google, etc….) you can still get rewards by going to Swagbucks hompage and searching online directly from their site. Swagbucks will often give you a free code in your toolbar as well which will add free bonus points to your account.
    • Print Swagbucks Coupons – every coupon from Swagbucks that you print and use at a local store earns 10 additional Swagbucks.  Get the coupons by going to Swagbucks homepage, click on the “Earn” tab, then select “Coupons” and it will bring you to the current coupons that you can use.  I go through the coupons once a month and print the items that I buy regularly.  Once you have used the coupon 10 Swagbucks will be added to your account within a few weeks (their website says up to 12 weeks, it usually does not take that long).
    • Swagbucks Blog – follow the Swagbucks Blog to get additional free codes.  They typically have at least one free code a day on their blog.  In additional to that you have a current update on their giveaways and any Swagbucks News.
    • Swagbucks Facebook –follow Swagbucks on Facebook and you will find the latest Swagbuck codes.  Members post to the wall, start discussions, or make comments that will help you find the bonus codes.
    • Swagbucks Twitter – follow Swagbucks on Twitter and you can receive Twitter specific codes.  Several times a week they will randomly award their Twitter followers with an additional 100 free Swagbucks which will be added to your account when they use the hashtag #Swagbucks.
    • Daily Poll – every day you have the opportunity to participate in the Swagbucks poll and receive 1 additional Swagbucks.  While this does not seem to be a lot it takes a matter of seconds to complete the poll and the points really do add up over time.
    • Swagbucks TV – this is an easy one to do if you are working on the computer throughout the day.  When you are on Swagbucks homepage, click on the “Earn” tab, select “Swagbucks TV” and chose from a variety of items to watch.  The length of the videos are typically from 30 seconds up to 5 minutes.  Every 10 videos you watch you earn 3 Swagbucks.  The reason why this one is easy to do is you can click on a video and have it running while you continue working, cleaning, or other tasks throughout your day.  Swagbucks will allow you to earn up to 25 three point rewards within a 24-hour period, which means you can get up to 75 additional points by multi-tasking throughout your day.
    • Games – if you enjoy playing various games on your computer this may be a great way to earn additional Swagbucks.  I have tried several games and tend to stick to the ones that I do well at.  Please Note:  There are a lot of free games available to play and earn bonus Swagbucks, however, they do have some you have to pay Swagbucks to play.  I stick to only the free games so I don’t have to use my Swagbucks on games.
    • Special Offers – you can earn an additional Swagbucks when you complete special offers.  Click on the “Earn” tab and select “Special Offers” to see of list of ones you can choose from and complete.  Many of the offers require no credit cards or payment to earn the additional Swagbucks.  Please Note:  You will only receive the specified listed Swagbucks if you complete the special offer, if you stop in the middle or don’t complete it for whatever reason you will not receive any credit for the special offer.  There are some free trials that you can sign up for then cancel later, I would recommend only participating in these offers if you are already considering the product.  If you do cancel make sure to keep track of the information and dates so you will not be charged for it.
    • Groupon Swagbucks – you can earn additional Swagbucks by purchasing a Groupon deal through the Swagbucks website.  Click on the “Earn” tab and select “Daily Deals”.   You can earn an addtional 150 to 450 in Swagbucks by purchasing a Groupon you were already going to get through Swagbucks.  (Note:  450 Swagbucks can earn you hundreds of prizes, including, a $5 Amazon gift Card). If you are already planning on purchasing a Groupon deal consider going through Swagbucks so you can earn a little extra.
    • Bonus Video’s & Offers – on the Swagbucks Homepage you will often find a bonus video or offer than takes on you only moments to watch or complete and you will earn additional points.  Many times 1 video will be worth 2 points or more.
    • Surveys – you can earn additional Swagbucks by taking surveys.  This is a great opportunity to earn bonus Swagbucks if you enjoy filling out surveys especially if you qualify for a bunch of the ones they are offering.  They do pre-qualify the surveys so you’ll have to meet their qualifications to participate in each individual survey.  They give you the amount you will earn as well as the estimated time to complete the survey up front.  You have to finish the pre-qualification and survey prior to receiving the additional Swagbucks.
    • Trade In – You can earn additional Swagbucks by trading in old electronics, books, phones, MP3 players, games, consoles, and more.  If you are not using it or considering donating the items anyway check out how much you can earn in Swagbucks by trading it in.  Go to the “Earn” tab and click on “Trade In”.  You can look up the items you are wanting to get rid of and find out how much you can get for them by searching for that specific item in the Trade In section.  How to do it – Look up the item, print out the pre-paid shipping label, save your receipt, and mail it in.  You will receive the amount in your account once they have processed your item.  Please Note: you must have at least 600 Swagbucks in your account to qualify for free shipping.  It doesn’t take too long to earn those points and by trading in your receive even more Swagbucks.
    • Bookmark Regular Pages – bookmark the websites you visit daily (such as Facebook, Twitter, etc…) and search for them using Swagbucks.  Go directly to the bookmarked page through Swagbucks instead of directly to the site and you will earn a decent number of Swagbucks each week.  Make sure when you are search for the same sites you use a variety of search terms because your account could be flagged if you search the same thing (aka “robotic”) every day.
    • Tasks – under the “Earn” tab if you select “Tasks” you will be able to see a list of variety of different tasks you can do to earn Swagbucks.  Every task is different and you earn a variety of different amounts based on the task you chose.  They do tell you when you start the task how many minutes they anticipate it to take for you to complete.  Please Note:  Although, you can earn more Swagbucks doing these tasks they typically take a little more time.  Make sure you have enough time to complete the task so you receive your additional Swagbucks.
    • No Obligation Special Offers – you can go through the “No Obligation Special Offers” every day and earn additional Swagbucks.  You don’t have to sign up for the offers and can choose to skip through all the ones they show you (unless you prefer to sign up).   You will earn 2 Swagbucks from doing this additional offer.  It typically only takes a few seconds to complete.

    One other quick note I want to make so you will be informed about Swagbucks – you can earn as much or as little as you want to on your account.  However, you are only allowed to purchase 5 of the same item per month.  For example, if you want to purchase $5 Amazon Gift Cards at 450 each (which are stackable when purchasing on Amazon) the maximum amount you can order in a month would be 5 – $5 Amazon Gift Cards (2250 Swagbucks).  If you want more Amazon Gift Cards you will have to purchase a higher amount or wait until the following month to purchase more at $5 increments.  Or you can chose a wide variety of other prizes with your Swagbucks.  It is your choice so pick the ones that best fit your family.

    You can earn many neat prizes by using Swagbucks during you daily tasks online.  I don’t have the time to do every single activity that they offer, but even if I do a few the points add up pretty quickly over the course of a week.  Like I said before I have only been doing this for a few weeks and have already earned gift cards to purchase items for my family.  Pick the handful of activities that work well for you and do them regularly.  You can choose to save your Swagbucks or use them as soon as you can.  I have done it a variety of different ways.  Right now I am choosing to save up my Swagbucks to get something for a gift.

    I would love to learn more about how you earn Swagbucks.  Congratulations if you have earned some great prizes already using Swagbucks!  Please share in the comments below some of the prizes you have purchased using Swagbucks so the readers can see how it has benefited your family!

  • Living on a Budget: Creative Cash (March Update)

    Last month I began a monthly challenge called Creative Cash.  Creative Cash is finding ways to come up with extra cash to share with others as well as work on our current goal.  I am working part time, a stay at home Mom, and wear many other hats from day to day, however, I feel that it is important to save money for our family by using coupons and buying items on sale but to earn a little money to help with the extra expenses and to share with others.  The extra amount I bring in on top of the work is what I call “Creative Cash” which means finding ways to make money creatively or with items and talents I have already.  I have tested this goal over the last couple months as I am challenging myself to make my life more simplified.   I plan to continue this goal for the remaining months of the year.  Despite the many financial obstacles that we have faced as a family we have been blessed with so much.  We believe it is important to be accountable with our finances and give to others.

    Explanation: The creative cash will be made throughout the entire month through various endeavors.  As it comes in the money is placed into our savings account and withdrawn at the end of the month so it can be split.  It is my goal to make at least $100 extra a month to help with our goals as well as share with others.  At the end of the month the money will be split 50 / 50 with half going towards our current goal we are working on (which at the moment is paying down debt) and the other half going to charity.

    March was a great month and I was able to  go over my goal of $100 (although not quite as good as my February Creative Cash since I didn’t have a bunch of coupons saved up).  I want to share with you the ways we did it so if you are looking for ways to make a little extra creative cash for your family hopefully we can be an inspiration in getting your creative juices flowing:

    • $85.92 – Items sold on Ebay:   The majority of items sold were coupons (I did sell a small office supply that I received free after rebate for about $8 of the amount sold).  I encourage you to look around at some of the coupons you get the mail, newspapers, magazines, in your stockpile, or other places and if you will not have the opportunity to use them then consider selling them for a little extra creative cash.
    • $30.00 – Items sold on Craigslist: I sold lawn care items/tools that we were no longer using.  We had really good luck on Craigslist again this month, it can be hit and miss on Craigslist depending on the week and what people are looking for on the site.
    • $6.40 – Other miscellaneous amounts earned  (a rebate, return, cash back,  extra money, etc…) that was added to my stash for the month.

    March’s “Creative Cash” total was $122.32 which means $61.16 extra that goes towards our current goal, paying down debt and $61.16 goes towards charity.  It was exciting to go above the $100 goal again and to know it helps us get a little closer to our goals as well as helps others along the way.  I have plan of action on ways to earn creative cash in April so stayed tuned, hopefully, it will be another month where we can get closer to our goal and share with others.  Each month I do a variety activities to accomplish this goal, the items above are just the ones I did specifically in March.  I look forward to sharing more of the things that work well for our family as I do them in the upcoming months.

    I will share with you the challenges, successes, and updates as I go through this journey so you can keep me accountable or even go through it with me by participating  and sharing your story. Taking the extra time to find ways to help our family as well as invest in the lives of others is important to us.  I hope that we have been able to encourage you to find ways to come up with some creative cash for your household as well.  Obviously, each situation and family is unique so decide what works for you and go for it!  Do you know of another way to earn creative cash?   I would love to hear your idea!

    Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

    Photo by StopNLook

  • *Hot Deal* DealPulp – Give $3 Credit & Get $3 Credit

    DealPulp is another daily deal site (like Groupon & Living Social).  Today you can earn a $3 credit when you sign up here for a new DealPulp account!  You can then turn around and invite friends through your referral link on your account and give them a $3 Credit as well!  How it works!

    • Sign up here on DealPulp = $3 Credit from me!
    • Share your referral link with a friend by visiting today’s deal and clicking “invite.”
    • When your friend signs up for a DealPulp account = they receive $3 Credit from you!
    • You can help friends gain credits!

    This deal ends in less than 20 hours.  It costs nothing to sign up and you can use your $3 towards a future purchase at DealPulps.  I have received several great deals at DealPulp already!  The last two DealPulp deals I have purchased were $1 each therefore you could potentially get three unique deals for $1 each just for signing up and sharing.  In the spirit of sharing with others please feel free to post your referral code in a comment below so we can help others get their credits as well!

  • CVS: Spent $1 and Got $9 ECB’s Back

    This week CVS has a few great deals.  I wasn’t able to get to the store until later in the day but was still able to get these two items for $1.09 and received $9 ECB’s to use on my next CVS purchase.

    • Revlon Finger Nail Polish – $3.99 with $3.00 ECB’s
    • Schick Hydro 5 Razor – $8.79 with $5.00 ECB’s

    The total was over $13 with tax before using coupons.  Here are the coupons I used on the two items.

    • Used $3.00 CVS Coupon from the Kiosk inside the store
    • Used $1.00 Revlon Manufacturer Coupon
    • Used $2.00 Schick Manufacturer Coupon
    • Used $6.58 ECB’s from previous purchase (I had a couple more ECB’s but couldn’t use them because they were worth more than $1 so I will be able to use them on a future purchase along with the $9 I received today).  If you use a $2 ECB to pay for $1.09 worth of goods you will not receive the additional $0.91 back so today I decided to pay the $1.09 out of pocket and use my $2 ECB on a future purchase since they weren’t expiring until later in the month.

    I received $9 ECB’s back today:

    • $3.00 ECB’s for Revlon Purchase
    • $5.00 ECB’s for Schick
    • $1.00 ECB’s for Green Bag Tag

    When you shop the CVS sales regularly and have ECB’s that you can roll over toward future purchases the bonus ECB’s start adding up (Green Bag Tags and Beauty Club).  As you can see from my shopping trip today you don’t have to purchase a lot to save money when shopping at CVS.  You can pick and chose what is best for your family.   I would love to hear your CVS shopping story for this week!

    For those of you who shop regularly at CVS please share how you were able to save this week!  Although the weekly ad sales are similar every family and situation is different so you may have found items better suited to your household.  In your comment please feel free to share a link to your blog article showing us how you were able to save shopping at CVS.