Thursday, November 12, 2015

Hot Deals on credit card and points promotions

It’s been very busy at home with our 5-month-old baby boy and our 2-year-old dog taking up most of our time. 

Caring for an infant is very time consuming and involves an incredible amount of responsibility, patience and love.  I’m constantly surprised at how fast our son is growing up.  
Our boy gets hungry every 2 to 3 hours.  He just started eating rice cereal and oatmeal this week!  As his brain is developing, we are reading to him, talking to him, and singing songs to him every day.   The little guy is so curious and wants to touch everything and put everything into his mouth!  
We are helping him develop his motor skills and hand-eye coordination by watching over him as he plays with his toys.  He needs a diaper change every 1-2 hours.  No one said raising a child was going to be easy.  That being said, we have no regrets and couldn’t imagine our life without our son.   

Taking care of our dog also involves a lot of dedication and love.  Our dog Abby wakes me up every morning around 5:50am to 6:00am.  Without fail, I take her out for her morning jog and walk every single day that I’m home.  We spend around 20 to 30 minutes enjoying our morning outdoors.  For me, it’s the best way to start the day.  I know very few people that get to exercise regularly, let alone every single day.  

Abby gets to meet other dogs almost every day, sometimes more than once a day.  We make sure she gets to go outside at least 3 to 4 times a day.  This keeps all of us healthy and as an added bonus has helped us meet and develop relationships with our neighbors.  

We groom our dog ourselves, which involves bathing her once every 3-4 weeks, cutting her nails every 2-3 weeks and giving her a hair cut every month.  For those thinking of dog ownership, I highly recommend reading this post by one of my favorite bloggers, Mr. Money Mustache.  He talks about the many downsides and offers a contrary upside opinion (from his sister) about owning a dog. 

Anyways, my family has been keeping us busy and that’s why there has been a slowdown in blog posts.  While I’ve slowed down on posting, many bloggers continue to post the best deals in credit card rewards, bonus points promotions, and other hot deals to help you save money.  I’d like to the share my 2 favorite bloggers who regularly post hot deals on credit card and points promotions.

The Frequent Miler has always been known for posting the most detailed information online about manufactured spending.  He offers a “Quick Deals” mailing list you can sign up for.  Up to several times a day, he will send you the latest and greatest hot deals that will help you earn points and save money. 

Doctor of Credit also writes very detailed and informative posts about all things related to credit cards: sign up promotions, manufactured spending, as well as hot deals on points promotions. 

I highly recommend signing up for both of these newsletters.  They offer plenty of hot deals to keep you busy earning points and cash back.    I’ll be posting more articles soon.

Sunday, November 1, 2015

October side hustles 2015

The great thing about doing side hustles to generate extra income is that you can hustle on your own terms.  The more hard work, time, and creative effort you put in, the more extra money you can make.  You can hustle as little or as much as you want, whenever you want.  It’s your extra money, and you can choose how you want to spend it.  Instead of focusing on what ideas don’t apply to you, try focusing on different side hustle ideas that you can implement to work for your situation.

Welcome to November, another new month.  Did everyone have a fun and safe Halloween? 

It’s been a busy month here with our baby boy.  It’s amazing watching his reflexes develop.  He keeps getting bigger and stronger.  Seeing him grow gives us the motivation to work hard towards reaching financial freedom ASAP.  My wife is going back to work in a few weeks, and not looking forward to that.  Time passes by so quickly.  Things will be very different with balancing our work schedules, daycare drop off / pick up, raising our son, caring for our dog, and enjoying a social life.  Luckily, both of us have short 10-15 minute daily commutes.  But it’s still going to be tough finding time.

Here’s our monthly summary of side income that we have generated in the previous month of October.

Award Travel
On 10.4, I redeemed 12,555 Rapid Rewards points (mostly converted from Chase Ultimate Rewards points) towards one free round trip flight to San Francisco, CA saving $209.80 after paying flight taxes and fees.
On 10.9, I redeemed 48,000 Chase Ultimate Rewards points towards two free round trip flights to Portland, saving us $694.62 after paying flight taxes and fees.
On 10.21, I redeemed 7,000 Starpoints towards a free one-night stay in Agoura Hills, CA, saving us $126 in hotel room costs.

Cash Back
On 10.1, I received a $33.35 PayPal deposit from Mr. Rebates
On 10.20, I received a $35.74 deposit from my Citibank Double Cash credit card into my checking account

Search and Win
On 10.7, I received a $5 Amazon gift card from Swagbucks
On 10.20, I received a $5 Amazon gift card from Swagbucks
Swagbucks keeps giving me $5 Amazon gift cards!
Paid surveys
On 10.21, I received a $3 PayPal deposit from PineCone Research
On 10.26, I received a $6 PayPal deposit from PineCone Research
On 10.29, I received a $3 PayPal deposit from PineCone Research

Side Job
On 10.13, I received a check for $137.50 from the local university where I teach part time.
On 10.29, I received a check for $137.50 from the local university where I teach part time.

eBay Income
On 10.5, I received a profit of $713.47 from selling some old healthcare equipment on eBay.  This is net profit after eBay, PayPal and shipping fees.
On 10.11, I received a profit of $182.45 from selling my wife’s 2 year old Samsung Galaxy Note 2 cell phone on eBay. 
On 10.11, I received a profit of $166.47 from selling some old healthcare equipment on eBay.
On 10.14, I received a profit of $258.41 from selling some old healthcare equipment on eBay.
Selling these items on eBay has been helping us declutter our home.

Rental Income
On 10.1, we received a net profit of $430 from our rental property

Miscellaneous Income
On 10.29, I received $12.02 deposit from Amazon for being an affiliate for promoting Amazon products that I use. 

Monthly Totals:
Our side hustles increased slightly in October.
We saved $1,030.42 on award travel by redeeming points towards free flights and hotel stay
We earned $69.09 in cash back
We earned $10 worth of Amazon gift certificates from Search and Win sites
We earned $12 in cash from paid surveys
I earned $275 from my side job teaching at the local university
I earned $1,320.80 of income from eBay sales
I earned $12.02 from miscellaneous income
We earned $430 from rental income

All of this totals $3,159.33 from our side hustles for the month of July.  Most of these side hustles take little to no work.  Are you doing any hustling on the side for extra income?

Wednesday, October 21, 2015

5% cash back on purchases made at Amazon with Giving Assistant until November 1st

I’ve been testing out the hot new cash back site called Giving Assistant.  One unique feature this cash back site offers is that you can choose to donate a percentage of the cash you earn towards a charity of your choosing.

You can earn cash back via debit card, PayPal deposit, or check. 

The best part of Giving Assistant so far has been 5% cash back from purchases made at  No other cash back site can beat this.  You can combine this with the 5% cash back from purchases made with your Chase Freedom card.  Some users report being able to double dip by getting 5% back on purchasing an Amazon gift card, and then getting another 5% back on using the Amazon gift card to complete your next purchase at Amazon. 

Unfortunately, 5% cash back on purchases made at Amazon will expire on November 1st.  This means you still have more than a week to earn 5% cash back from Giving Assistant at Amazon.

There is a referral promotion where everyone you refer gets $5 cash for signing up.  Once they earn cash back you get $5 and there is no limit to the amount of cash you can earn through referrals.

You can sign up for a Giving Assistant account here (my referral link).  
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