save money

Dunkin Donuts free coffee offer all states

Dunkin’ Free Coffee Offer

Who doesn’t want free coffee? There’s a Dunkin’s free coffee offer if you have a DD perks account.

DD perks is Dunkin Donut’s mobile app reward sprogram that you can sign up for free on their Dunkin’s site.

sign up for free on Dunkin’ site 

You can also get their app

The free coffee offer is for the following states:

  • Arizona (AZ)
  • California (CA)
  • Colorado (CO)
  • Iowa (IA)
  • Illinois (IL)
  • Indiana (IN)
  • Kansas (KS)
  • Missouri (MO)
  • North Carolina (NC)
  • Nebraska (NE)
  • New Hampshire (NH)
  • New Mexico (NM)
  • New York (NY)
  • Nevada (NV)
  • Oklahoma (OK)
  • Texas (TX)
  • Utah (UT)
  • Virginia (VA)
  • Vermont (VT)

Here are the terms and conditions of the offer:

  • The offer doesn’t include cold brew or nitro cold brews. The offer includes medium coffee only
  • Other discounts cannot be coupled with this.
  • Almond milk, espresso shots or flavored milk attract additional charges.
  • No substitution.
  • The full list of terms is on


This deal was live before during Summer and is now available for you again.

bank deals make money

Charles Schwab $500 bonus on signup

Charles Schwab $500 bonus on signup

If you open an account with Charles Schwab today you get a referral bonus of $500.

Charles Schwab deals in assets worth over $3.4 trillion dollars. They are the third-largest asset manager.

Here’s the direct link to the offer.

Direct Link

You get the bonus when you are referred by a friend and open a new account meeting the eligibility requirements.

These eligible accounts consist of Schwab’s brokerage and checking account.

Spending on how much you deposit. The amount can be as low as $100 or high as $500

Between $1000 to $24999 you get $100

Above $100,000 you get $500

Between $25000 to $49999 you get $200

And above 50 to$99999 you get $300

How To Get $500 Charles Schwab Bonus

To get the bonus you need a friend’s referral code. Within 45 days of signing up make a deposit of the said amount. After one week of 45 day period you get $500

Charles Schwab Checking Account

The checking account refunds all atm usage charge fees. No foreign exchange fee when traveling overseas and reimbursement for all international atm usage fees.

Charles Schwab Brokerage Account

The brokerage account makes yuou eligible for the Charles Schwab American Express Platinum Card as well. This has a once per lifetime policy where you can sign up for credit card bonuses.

You won’t get another bonus on the same card.

The Charles Schwab version means you can redeem the points to the checking account at 25% bonus as well.

You generally get 1 cent per point when converting to cash. So 60000 Amex points are worth $600 in general.

  • The offer is for individuals who don’t have a Schwab account.
  • Net deposits refer to assets into the account minus assets withdraw from the account
  • Assets transferred from Retirement plan services are not included.
  • The net deposits are calculated after 45 days.

The total bonus shall not exceed $5000 per household.

The bonus from charles schwab checking and brokerage account have many valuable benefits. However for this you nee a friend.

save money

HULU Black Friday offer at $1.99/month

HULU black friday offer- Stream shows


Hulu is a subscription streaming service. If you heard of Netflix Hulu is no stranger.

The handmaid’s tale is one of the most popular hulu shows. Another show I watched and that which has ended is Future man.

Hulu’s pricing tiers vary. This month’

S 1.99 black friday deal is for the basic tier. You get all the tv shows and exclusive content. But this is supported by ads and that’s a problem.

No live tv either.


If you are into streaming you may want to ditch cable and can save moneythat way. Hulu is one of the best ways to save money. By using Netflix or Hulu you can completely disavow cable and save.

Don’t think you are going to miss cable because of the live tv option available.

bank deals make money

Chase Private Client- Get $3000 bonus

Chase Private Client- Get $3000 bonus

This is a great offer from Chase whereby if you upgrade your account, you stand to get $3000 bonus.


Chase is one of the biggest banks there is with decades of solid banking and great customer service behind them. This offer is particularly beneficial to anyone who banks with Chase.


With the Chase Private Client account the offer is for $3000. This way they want to be the bank that keeps your entire money, portfolio and holdings.


What is a Chase Private client account?


Chase private client account is where you keep a major part of your money with Chase. The holdings need to be sizeable.

With this you become a vip status customer and get a lot of benefits too.


Here’s the list of benefits you are going to get as a private client


No fees on transactions like wire transfers, international debits and others.

No Chase fees at non-Chase ATMs.

For non-chase ATM fees you are going to get reimbursed as well.

No service fee on CPC savings account.

Increase in daily checkout limits

Higher daily ATM withdrawal

Free 3 by 5 safety deposit that would have otherwise cost a month to month fee.

No fee on cashier’s cheque, on counter checks or money orders.


There are also investment benefits associated with the account

For instance you get a free JP Morgan account. 

You get analysis based on the current deposits and your financial goal. This advisory usually is for thousands of dollars but is free with the premium account.

Free online stock and ETF


Credit card benefits

If you either lose your card or want a replacement for any reason you get priority replacement service as a result of being a customer.


High welcome bonuses for credit cards with Chase.


Personal business banking advisor

 No fee on fund transfer from Platinum accounts.

Very low minimum balance requirements.


Home and automobile benefits.

When you refinance your home or auto purchase you are bound to get lower rates.

You get ultimate chase rewards bonus points. For a new home that bonus can swell to 75000 points.


.25% discount rate on Chase Car Buying Service.


Tips to Qualify for the Chase Private bank account.

For Chase private client program, you need $150,000 included inside Chase private and investment accounts.

You can share the account with family members if you are not able to meet that limit on your own.

This will help you reach the required liquidity needed for the program.


To get an invite for the program here’s the


Enrollment Invitation Link


This account is by invitation only. You can request the upgrade code online to enroll and schedule a meeting with a banker.

save money

CBS all-access for free

CBS all access for free

What is CBS All Access?

CBS all access refers to a video streaming service. With new content and content by viacom CBS there’s plenty of content to go by.

There are several hit videos and series

  • Young Sheldon
  • Big Brother
  • Seal team
  • The Good Fight
  • Star Trek Picard
  • The Big Bang Theory
  • The Late Late Show With James Corden
  • Reno 911!
  • Evil
  • All Rise

With this Direct Link to CBS All Access you get one month free trial.

Just ue the promo code KICKOFF when signing up 

The big news is the promo code and the ensuing offer is both for new and existing customers. If you use this promo the billing is extended bya  month. The promo code givesyou acces for a full 30 days.

There are two plans to choose from The limited commercial charged at $5.99 per month. The commercial free whereyou can download and watch shows later at $9.99 per month.

The plan needs to be cancelled before the month is up otherwise you are going to be charged at a high rate.

To enter the promo code go to the account page. Go to the subscription area and click promo code and enter it. The cbs account gives just one promo code per account.

Call 1-888-274-5343. To cancel.


Most popularly Netflix is one of the widely available streaming shows listed. However there are more channels like CBS with more shows to boot.

bank deals make money

Aspiration bank $100 Checking Bonus 2020


Heard of Aspiration before? It’s a socially responsible bank . The new offer gives customers a $100 checking bonus for creating an account with no deposit requirements.

Also if you take up the offer with Swagbucks you get $56 more.

About Aspiration bank

It’s based out of California with services for banking and for investing. Two Harvard graduates started the bank in the year 2015.

The core principles on which Aspiration bank are built are on are: 

  • Trust: Customers come first. Meaning they can pay what’s fair. And they still will work for you.
  • Wall Street tries hardest to make money for itself. Aspiration tries to be the best for everyone.
  • Aspiration offers sustainability in cash management so you can make more and make the world better. 
  • 10% of every fee paid to Aspiration is donated to charities that help struggling Americans with better lives.

Use Swagbucks for more $56

Starting 16 of September if you use Swagbucks to sign up you get $56 in addition to the $100 you were getting.

  1. Sign up for Swagbucks or login
  2. Key in revenue universe in the search bar at the very top. You will see Revenue universe.
  3. Click view offer
  4. You will see a signup link that offers 5600 sb for signing up to Swagbucks.

That’s one offer. Or you can avail $35 by searching Aspiration directly on the search bar.

Use my referral link to sign up to Swagbucks.

Use the Direct Link 

The $100 bonus is credited when you open the Spend and Save checking account and fill the requirements

  • The account should have $10 or more
  • With the debit card make $1000 in transactions in the first 60 days of opening the account.

The availability of the offer is not available. No expiry date

There’s no household limit.

No direct deposit

Soft pull on credit history.

To avoid monthly fees based on the fair pay model you can choose to pay nothing at all.

  • The offer is for new customers
  • Secondary owner of existing accounts don’t qualify.
  • Open and fund account with $19 or more and with $1000 in cumulative transactions.


This offer was presented in the past but at the time there was direct deposit required as well. This only requires $1000 in debit card transactions. Also there are no fees either.


T-Mobile Bring Your Own Device (BYOD) $250 Promotion

T-Mobile Bring Your Own Device (BYOD) $250 Promotion

Here’s the promo for new customers

The promotion is mainly for AT&T customers, of Verizon, US cellular, Spectrum, Claro or Xfinity. There’s a no strings attached $250 incentive with this deal.

With Bring your own device deals, you need a portin code and new service activation.

Except for the following plans: select choice, value essentials voice postpaid, value essentials voice business don’t qualify.

Offer for existing t mobile customers

If you are an existing customer who has 2 active voice lines and also port a number from another service, you too stand to benefit from the $250 rebate.

If you don’t have a number you can buy the same from ebay sellers who do it.

Here’s how to benefit from the $250 rebate

  1. Get in touch with T mobile through customer service number at 1-800-937-8997
  2. You can do this beginning Spetember 18,2020
  3. Port the number from Verizon, Claro, U.S. cellular.
  4. All carriers other than the above are excluded.
  5. Once brough in go to the Tmobile redemption center and plug in the code below: 2020BYOD1


Terms & Conditions

  • The offer is limited time only
  • Only these competitors are allowed AT&T, Verizon, US Cellular, Spectrum, Claro or Xfinity required.
  • Within 30 days you get complete port in and registration
  • Once you cancelled voice lines in the past 90 days reactivate them.
  • Also get $250 worth virtual express master card to be used online or through instore payment apps. This expires in 6 months.
  • Allow up to 8 weeks for getting this credit
  • 4 per account
  • You cannot combine it with other offers.

The Bottom Line

No end date for thepromo. Do this as soon as you can.

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Chase Pay yourself back extension April 30 2021

Chase Extends “Pay Yourself Back” Feature To April 30, 2021


Credit card companies are on a perk and benefit adding spree with Covid slowing down credit growth. One such scheme is from Chase called the Pay yourself back offer. It’s going to be extended and we’re today going to talk about the same.

Chase “Pay Yourself Back” Feature

Ith Pay yourself back Chase spurced up the deal with new features that had a lot of temporary benefits.

The feature is available for chase sapphire reserve and preferred card. The cardholders can redeem their points against grocery purchase, dining and purchasing home improvement items.


  • With the card redeem the points for reward points at 1.5 cents per point towards purchase.
  • With the preferred card you get 1.25 cents per point towards eligible purchase.

Starting from October 1 2020 this is going to be extended to chase ink and freedom cards as well. You get 1.25 cents per point for online advertising an contributes to charity.

In general scenario you get 1 cent per point. So 10000 points will be $100.

“Pay Yourself Back” Extension

This feature was supposed to last only through September 30 2020.. But now has been extended to April 30 2021

  • The purchase categories can changge from grocery and dining to others 
  • The categories can rotate.

Only the ultimate rewards point that let you book flights and hotels and changed much of ouyrhcase bahvor has result in this.

How To Use “Pay Yourself Back”

The feature is really easy to set up and use. Here’s all that you need to do:

Step 1: Go To The Chase Ultimate Rewards Portal

Find the pay yourself back feature by going to chase account and clik through to chase ultimate rewards portal.

Once you are there go to the earn/use tab and click.

Step 2: Select Eligible Purchases To Pay Yourself Back With

The screen shows you all the list of purchases that you can pay yourself with. You need to select one more transactions. From date of purchase you have 90 days to use the fatueare. No  neleigalbe transitions don’t show.

Step 3: Enter The Dollar Amount To Get Back

Finally you get the amount of cash you can redeem for the said amuotn.

You can opt for the full amount or just a small amount.

Today you caan get a lot of money with this feature. Transfer points to money and purchase things.

I’m definitely redeeming a chunk.

save money

Save money on a tight budget

Save money on a tight budget

Spend less than you earn.

The best way to save money is by generally spending less than what you earn. Overspending is the single biggest reason why people aren’t able to live within their budgets. It really comes to down this simple thing: Don’t spend more than you earn.

You can’t have the cake and eat it too

Money saving starts with this simple realization that you can’t have the cake and eat it too. You have to make some sacrifices to stop overspending what you are making.

It is never easy. But time and again these sacrifices will ultimatley lead you to being happy and peaceful.

If you dedicate to getting paycheck after paycheck and look back at the struggles you made to save money you will begin to appreciate everythinga round you more.

Also, if you’re serious about getting out of your paycheck to paycheck cycle, you should have no problem sacrificing some things while you work your way up.

Determine your goal

When Alice was in Wonderland she asked which was the right way. The rabbit asked where did she want to go. She said she didn’t know. Then the rabbit said, it doesn’t matter which way you go. Financial prudence and sacrifices fizzle out if you have no sense of direction, if you don’t know where to go.

If you want to save money, you’re not doing that because the dollars look good in the bank. Perhaps you want to save up for a vacation, buy a new phone or something like that.

Write it down and look at it everyday, It doesn’t matter what the goal is. What’s important is to have a goal. Also set long term goals so that you can save big.



If you want to save money there needs to be a budget. Budget helps you optimize your finances. Not count every dollar but yes most of it.

Budget tells you how you’re going to use the money.

There are different budgets for different purposes however living on low income is the best way to use a budget.

It’s something I recommend everyone to try out first.

Pay your debts off with a plan

It’s going to be hard to pay off your debt if you don’t have a plan. It’s also going to block how you save. Debt should be gotten rid of as early as possible. You should simply pay it off.

To do this right the first thing to do is have  a debt payment plan. Once you do that, you know the most effective way to pay off that debt. You also know how long it is going to take to pay this off.

. Cut Your Biggest Expenses

The next thing to do is cut off big expenses from your list of expenses. Rent, food expenses and travel are generally what cost people a lot of money.

One you reduce these expenses, that means you will be able to save a lot of your money through the year.


Rent happens to be something people to spend a lot of money on. They either take a big mortgage or they rent out a big property, Ideally you shouldn’t be spending more than 30 percent of your income on mortgage or rent.

To cut this expense, rent out the spare room or let it go and find something else, cheaper.

You can save more by living with your parents. This is true when paying off debt too.


To cut travel costs the first thing to do is properly maintain your car. This costs money from time to time but is still better than neglecting the upkeep of your car and then paying a lot more.

Get better insurance rates for the car as well.

Also instead of taking the car or the motorcycle walk or bike. This is better nad the wallter is better of with this step./

Also you might be able to carpool with other office goers with Uber or Lyft. They have options for carpooling and that saves a ton.


Food is something you don’t want to be spending too much on. Food is a categoryof item you ideally don’t want to spend too much on. But that’s generally out of the question because those small visits to fast food, restaurants and others tend to quickly add up and make for a big tab.

To cut on these expenses is to cook at your home. Looks like a lot of work, But there’s always the thing of making a large quantity of food at one go and freezing it for weeks so that you can reheat tomorrow and down the week.

There’s also the $5 meal plan you can use. They budgetize meals for $5 and send an meal plan for each week. The $5 meal per person works out to be around $2.

Pay Yourself First

Paying yourself is considered an evergreen financial tip that a lot of experts swear by. It works. When you pay yourself you are prioritizing saving money. You are less inclined to overspend the said amount.

Paying yourself means that instead of saving what remains you are allocating a certain portion for your spending and saving a big another portion. That curbs the habit of overspending.

To do this the right set up automatic transfers to different accounts. One: a savings account and two an account where you pay yourself.

Determine what to spend on

It isn’t possible to live by not spending anything at all. The income would get spent one way or the other. But what you can do is add certain items to the priority list and determine where you want to spend and then do that.

So first, prioritizing spending. All that means is figuring out what’s really important to you. Do you love going to the gym? Seeing movies in theatres? Maybe you can’t live without your Netflix subscription.

There are things that you can afford not to spend on. For example you may not need the latest iPhone or if you don’t spend time at home either cable or Netflix. There are several things you are not using and that is the equivalent of wasting money. 

Cut them out of your life. It’s time to take things moderately. Instead of going to Starbucks you could probably make your own coffee and rent out movies.

Find Free Money

There are at least a few dozen ways I can think of generating free money right now.

You could for instance sign up for banks that offer sign in and chekcing account bonuses. There are credit card offers and free buys that all offer free money.

5. Start Making More Money

When you are on a low income that means there’s potential for you to make more money. There are several ways to make money online. 

Even its a few  hundred dollars that can make a significant dent in your life.

Another way to make money is by starting a side hustle. It can be a blog or something that helps you use your spare time to generate a cash flow.

1. Track Your Spending

When you have set a budget the next step is to keep track of what you are spending on each and every month. You should be keeping track of those nifty little expenses should you wish to curb spending habit.

Tracking gives an idea regarding what you’re spending on and how much you’re spending on. This will help you moderate out your expenses too.

2. Learn to Negotiate

Being able to negotiate can help you save hundreds of dollars. Especially for second hand items. You can negotiate bargain and drive down the value of the car. That’s an easy peasy 1oo to 200 dollars in svings.

KNegotiate for better repayment terms, salaries an other things in life.

Get cash back

There are several apps that pay you cash back when you are shopping. Little by little they tend to add up to a lot.

Here are my favorites:

  • Rakuten (formerly Ebates) – The browser extension hunts for deals and alerts you

  • Swagbucks – The offers are better and there’s browser extenion. Plenty of other ways  to earn money too.

  • iBotta – Upload grocery receipts and get cashback. Pletny of offers.


Simple ways to reduce electricity bill in Winters

Simple ways to reduce electricity bill in Winters

Energy bills can be a really big sucker. However there are definitely many ways to reduce those bills and save energy. In this post we are going to discuss the same with you.

Temperatures start falling around in fall and head through winter. During this time the energy bills courtesy of heating costs tend to go sky high. Resulting in much greater energy bills than usual.

IT ONLY requires some foresight on your part to reduce these energy bills.

Close curtains at night and open in the morning.

With curtains open through the day, the sun can warm your home and at night closing the windows keeps the heat inside and keeps the cold also outside.

The change is small but these and other tips will help save those bills for you.

Get a thermostat

With a thermostat you can save a lot in energy bills throughout the year.


These devices can be programmed to keep track of how you work and times when you’re at home/ You can also set these temperatures up with the help of your smartphone.

3. Clean out your fridge

With your home there’s a fridge that has been accumulating stuff for months on end. You might be afraid of opening and using the energy. But, these are consuming needless energy. While at it, set your temperature to lower because during winter you don’t need all that heat. You need less energy. Also throwing out useless things helps you conserve some energy too.

Make your fireplace more efficient

Your fireplace is one of those areas where you can conserve energy. Wood fireplaces are however inefficient when it comes to heating the room. You simply expend all that energy wit nothing happening. Instead, skip on that.

Fireplace drafts are better since they pull warm to the energy and use more energy to reheat all those rooms.

So make sure that the wood isn’t wet. This might cause more smoke rather than heat.

Use a hot water bottle to stay warm when sleeping

When sleeping you might hate it if your hands and legs are frozen. Nobody likes being chilly at night. Instead, turn up the heat on the thermostat with a water bottle and try and stay warm when you’re asleep.

You will getthe heat from the water bottle that helps you stay warm during the entire duration and energy bill will be much lower than using current to heat up the home.

Clean your windows

One of the best ways to stay warm is to clean those windows. For heat to enter your house properly you need to have super clean windows. This allows sunlight to enter and light up the entire home. That way clean windows will help.

Rempe air conditioning

Starting with fall, there aren’t many warm days. That’s great news for you. Take down the ac units can be great idea.

This blocks natural lighting and you don’t want to prevent sunlight from entering the home in the morning.

Add insulation

The heating won’t help uif the house leaks the warmth. Prevent leaks by plugging gaps and other problems. So that heat doesn’t esca[pe the room and keeps it warm all the time.

Use smart power strips in your home

It’s cooler in the winter.

With temperatures dropping a lot in the winter, you might want to stay inside your home more. If you’re inside you also might be playing more video games as well. That’s not a problem.

However even when off these consume power and a smart power strip can switch of these devices when not running and save off bills.

12. Be mindful of how you cook food

With winters approaching the mood tends to change to soups or fatty dishes. Satisfy those cravings but cook in a way that saves energy,

A slow cooker uses much less energy and uses the power of residual heat to cook food. It uses just slightly more than a bulb.

Air drying clothes saves a lot of bills in the winter.