Easy Ways to Save Lots More Money!

Paul Stilwell

Credit Cards, CashBack and More

For many of us our “disposable income” is a fraction of total income, so saving money can have an important impact on our standard of living! Missionaries like myself tend to get good at saving money over time! These tips are probably not for those who carry balances on their credit cards, but for serious, disciplined savers! I have not included some more tedious savings techniques, since our time is valuable.

I regularly use all of the following savings tricks (CTRL Click all links)...

EXPENSE

SAVE

HOW

EXPLANATION & TIPS

ALL GAS purchases

5%

Penfed Platinum Rewards card

Redeem points as direct deposit or credit.

Save even more by finding the cheapest gas station in your area: www.gasbuddy.com

Walmart online

10%

UPromise.com portal + UPromise credit card

Must start with the UPromise.com portal, then use your UPromise credit card to purchase. Most all items except fresh food can be ordered from Walmart.com; Free shipping to your home on orders over $50

all online BOOK SITES

10%

UPromise.com portal + UPromise credit card

Must start with the UPromise.com portal, then use your UPromise credit card to purchase.

KwikTrip in-store

10%

KwikTrip credit card

Cash certificates sent to you every 3 months

McDonalds, etc

16%

Purchase gift cards online atgiftcardgranny.com

www.giftcardgranny.com is a giftcard re-seller search service which points you to the best deals for giftcards at many venders

Autozone

25%

Purchase gift cards online atgiftcardgranny.com

Save even more by joining the Autozone points program (5 purchases over $20 = a $20 credit)

all AIRLINE purchases

5%

Penfed Premium Travel Rewards credit card

Redeem points for Amazon gift cards, etc

Save even more by using flights.google.com and by signing up for price alerts at airfarewatchdog.com

all HOTEL purchases

5%

Priceline.com Rewards Visa credit card

Save even more by using Priceline’s “Express Deals”

most ONLINE shopping

4%

Ebates.com portal + Ebates Visa credit card

You will receive at least 1% back using the portal, plus 3% using the card at online stores like ebay, amazon, newegg and many more

EVERYTHING else

2%

Citi Double Cash MasterCard

This includes anything you can use a credit card for!!! Redeem as credit balance etc

Best Online Savings Apps, Bookkeeping and Organizers

Cashback app tracker

Chrome extension for cashback programs: Cashback Watch

This Chrome app points you to the best cashback programs per the web site you are visiting. The best are usually TopCashBack and BeFrugal

Best Free Online Bookkeeping

Mint.com

Organizes all bank accounts, credit card accounts, investment accounts in one place!

Owned by Intuit (Quicken and Quickbooks)

Points and Awards Organizer

Awardwallet.com

Tracks balances for most points and rewards programs

Also easily tracks trips: flights, hotels, etc

Best Places for Specific Purchases

GasBuddy.com

Find the cheapest gas prices in your area fast, add to “Favorites”

TireBuyer.com

Best site for researching tires and having them shipped free to a local tire mounter of your choice (mounting prices comparison)

Books: dealoz.com

Save a lot by using this search engine for the best deals buying and selling books (new & used). Use with the UPromise portal and card above for even more savings!

Flights.google.com

Best site for comparing the cheapest flights for flexible travel among [almost] all airlines. Save more by signing up for price alerts at airfarewatchdog.com