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March 14, 2017

How to Start Saving for Your First Home

Buying your first home can seem impossible, especially for a generation that’s under-employed, underpaid and saddled with debt. I know because I used to think it was unattainable. Until I bought a house. Last month. With my own savings.

I’m not going to lie to you: It required a lot of sacrifice, hard work and flexibility. But I’m here to tell you that homeownership isn’t a pipe dream. It’s a real, achievable goal if you set your mind to it and focus on one word: save. To do that, you’re going to have to get thrifty and creative. Use these tips and tricks to get started on your own path to saving for a house. A few of them will get you Cash Back at Ebates, which will put you even closer to the finish line.

1. Tuck Away That Tax Refund

You may have money to burn, but it should go straight into your savings account. Set up a separate account just for your home fund. One that you can’t easily touch and won’t be tempted to dip into. Before long, you’ll have a sizable chunk of change. Plus, you get up to 7.5 percent cash back on TurboTax products through Ebates, so you’re getting even more back when you file.

2. Clear the Clutter

Start looking around your apartment for things you never use or could live without. You’ll be surprised at just how much extra stuff you have. Start listing it on sites like eBay or see if any friends are interested in your extras. You’ll feel better because your space is decluttered and you’ll have some extra dough to show for it.

3. Redefine Your Essentials

Most forms of entertainment are temporary pleasures, so it’s important to think about what you can and can’t live without. Fear of missing out is a very real thing, but it’s easy to curb if you focus on what’s really important: your future home. You don’t have to live like a complete hermit. Just be mindful of your spending habits and limit nights out. That discounted meal or event from a deals site may seem like a bargain right now, but it all adds up in the end.

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4. Cut the Cord

A really easy way to get ahead is getting rid of cable. You can save hundreds per month by downsizing to a powerful internet connection and streaming everything. Plus, with an HDTV antenna, you’ll probably get 60-plus channels free. Put that cash away like you’re still paying for your full-price cable and internet bundle. I’ve been cable-free for seven years. You won’t even miss it.

5. Build Your Big Fat Check

If you haven’t guessed it by now, the name of the game is save, save and save some more. One of the best ways to do this is using a site like Ebates to help you add anything you can to your bottom line. You’re downsizing and being smart about how you spend your money. Ebates provides an awesome value by helping you earn on the things you already buy from the brands you shop. Any money from your Big Fat Check is money you didn’t have before, and every little bit helps.

These are just a few ways to get started. It’s really just about your frame of mind and finding little ways to boost your savings account. In a few months, you’ll look at your bank statement and appreciate all the little changes you made. And when you put that key in the door and walk in to your new home for the first time, you’ll know that all of it was truly worth it.

September 1, 2016

9 Ways to Save More at Macy’s

Macy’s is one of America’s most popular original department stores that covers a wide spectrum of prices. For over 150 years, they’ve sold designer clothing, fashion accessories and quality home goods alongside great deals. With almost 800 locations, there is most likely a Macy’s close to you. But what’s even better than shopping in store is shopping online at Macy’s.com with Macy’s coupons, promo codes, free shipping offers and Cash Back at Ebates.

Since it’s a department store, you can find almost everything at Macy’s! From clothes, jewelry and makeup to kitchen appliances, bath towels and dinnerware. Rest assured, there are ways to save at Macy’s regardless of what is on your shopping list. Here are a few tips for how to save even more at Macy’s:

1. Take advantage of Free Shipping at Macy’s.

Shopping online is convenient but the shipping costs can add up. However, it’s easy to get free standard shipping at Macys.com. Just make a purchase of $99 or more! That won’t be too hard with how many departments and products they offer. Shipping options include standard shipping (3 to 6 business days), premium shipping (2 to 3 business days) and express shipping (1 to 2 business days).

2. Shop for the perfect fit or color with easy returns.

Don’t love what you purchased online? If the color is wrong or it just doesn’t fit right, purchases from macys.com can be returned at any time. If you have your receipt or order confirmation email, you can receive a full refund credited in the original payment method. Purchases made online can be returned either in store or by mail. If the item you want to return was a gift, you can receive a full refund in the form of a Macy’s “Happy Returns” gift card if you have the invoice or gift receipt. No invoice or gift receipt? No problem! You can still return purchased items and gifts and you’ll receive a gift card worth the returned item’s lowest selling price within the last 180 days.

3. Get the Macy’s Credit Card for extra discounts and coupons.

Sign up for the Macy’s credit card to get extra discounts and coupons. The more you spend, the better the discounts will be. If you have the Macy’s card or Macy’s American Express, you will qualify for special savings and offers of Macy’s Star Rewards. These rewards include surprise savings at checkout and from three to 12 annual Macy’s Star Pass mailings. Elite and Premier Elite Macy’s Star Rewards customers receive exclusive birthday rewards, 15% off bonus events and more. Your loyalty pays off when you shop with Macy’s using your Macy’s credit card.

4. Look out for monthly “One Day” sales.

Once a month (usually the third weekend of the month), Macy’s will offer a One Day Sale that has the best savings. Each month, the savings will be different so you can be sure to find great savings on your favorite items at one point or another. Clearance items will be marked down further and usually there will be a coupon to stack on top of that. If possible, wait until the One Day Sale each month to get the best savings.

5. Enroll in the “Thanks for Sharing” program for 10% rewards.

Every year from September through December, a one-time $25 enrollment in Macy’s Thanks for Sharing program qualifies Macy’s Star Rewards members for 10% Rewards. Ten dollars of each enrollment fee goes to select charities including Make-A-Wish, The RESPECT! Campaign, The Breast Cancer Research Foundation and Go Red For Women. So not only will you be paying a nominal fee for exclusive savings, you’ll be purchasing with a purchase knowing your money is going to amazing causes.

6. Save with Macy’s price adjustments.

If you shopping online and find that an item you recently ordered is now on sale, Macy’s will refund you the difference as long as it’s within 14 days of your original purchase. All you have to do is submit the request for a price adjustment online and the savings are yours to keep. Macy’s prides themselves on offering competitive prices. They value your business and will do what it takes to keep you a happy Macy’s shopper.

7. Shop during the Macy’s Friends & Family Sales.

Twice a year, Macy’s lets you take 25% off your purchase at the Friends & Family Sale. One sale takes place in spring, the other at the start of December. If you’re looking to make a big purchase and can afford to wait a little while, that 25% will definitely be worth it.

8. Stay in the loop with Macy’s emails.

Sign up for Macy’s emails to be one of the first to know about Macy’s coupons and deals. Macy’s emails will not only highlight new stock and seasonal trends, but also can’t miss deals you can be sure to stack on top of Cash Back at Ebates! Head over to Ebates.com, sign up for a free account and favorite Macy’s so you’ll get alerts on Cash Back specials.

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Prices and Cash Back Percentages are subject to change.

Related Links

Promo Codes at Macy’s

The Ultimate Guide to Tax-Free Shopping Days

Unless you live in a state with no sales tax like Oregon or Delaware, you’ve probably gotten accustomed to calculating that extra eight percent or so onto every purchase that isn’t food from the grocery or convenience store. Particularly for parents doing back-to-school shopping, or students ordering new computers and peripherals for the upcoming year, the extra dollars and cents can add up quickly and make a dent in your budget.

However, even if you don’t have the time or means to make your way to a neighboring sales tax-free state, you may still have an opportunity to avoid paying taxes on certain items if your timing is just right.

Each year, several states elect to offer tax-free shopping days, most of which take place over a weekend at the end of summer or just before the school year begins. As the name implies, during a tax-free period, consumers don’t have to pay sales tax on certain items. In participating states, stores can choose whether or not to participate, so you will want to double check the ones that do in your area before heading out (or online) with your shopping list. Most who do will advertise as such.

In some areas, like the southeast United States, tax-free days apply to items like emergency hurricane-preparedness supplies and are intended to help residents prepare themselves for hurricane season. A handful of states also offer tax-free days on firearms. But for the vast majority, the primary intention of the tax-free day(s) is to allow consumers to save a few bucks on back-to-school supplies, so it’s especially beneficial for students and parents of matriculating students. However, the opportunity to save is open to anyone.

Below is a list of states offering tax-free days in 2016, as well as some of the types of items that qualify for the tax reduction. Almost all states have a limit on how much you can spend on these items while still receiving the tax-free benefit. These limits are also listed where applicable.

Alabama’s tax-free weekend is the first weekend in August and includes clothing (up to $100), school supplies (up to $50), books (up to $30), and computers (up to $750).
Arkansas’ is also the first weekend in August and includes clothing (up to $100), school supplies (no limit), and clothing accessories and equipment (up to $50).
Connecticut residents can purchase clothing and footwear (up to $300) tax-free for a full seven days, the third week in August.
Florida residents can purchase clothing (up to $100), school supplies (up to $15), and computers (up to $750) tax-free for three days during the second week of August.
Georgia’s tax-free weekend is the first weekend of August and includes clothing (up to $100), school supplies (up to $20), and computers (up to $1,000).
Iowa’s is the first weekend in August and is applicable to clothing (up to $100).
Louisiana residents can shop for all tangible personal property (up to $2,500) while paying half of the regular sales tax the first weekend in August. This means a reduction from a six percent sales tax to three percent. After 2019, the state is slated to make the weekend and subsequent tax holidays completely tax-free.
Massachusetts residents since 2009 have been able to purchase clothing items tax-free the second weekend in August. In 2016, however, the tax holiday was cancelled as lawmakers contended it would be too great of a blow to the state’s suffering budget.
Mississippi’s tax-free weekend is the last weekend in July, and residents can purchase clothing and footwear tax-free (up to $100 per item).
Maryland residents can purchase clothing and footwear (up to $100) tax-free August 14-20.
Missouri’s tax-free weekend is the first weekend in August and includes clothing (up to $100), school supplies (up to $50), and computers (up to $3,500).
New Mexico’s is also the first weekend in August and includes clothing (up to $100), school supplies (up to $30), and computers (up to $1,000), as well as computer equipment (up to $500).
Ohio residents can purchase school supplies and school instruction materials tax-free the first weekend in August.
Oklahoma residents can purchase clothing (up to $100) and school supplies tax-free the first weekend in August.
South Carolina’s tax-free weekend is the first weekend in August and includes clothing, school supplies, and computers, as well as bed and bath items.
Tennessee’s is the first weekend in August and includes clothing (up to $100), school supplies (up to $100), and computers (up to $1,500).
Texas’ is the first weekend in August and includes clothing, backpacks, and school supplies (all up to $100 total).
Virginia has a few tax-free days throughout the year, but the first weekend in August is geared specifically toward back-to-school shopping with clothing (up to $100) and school supplies (up to $20) tax-free.

As may be the case if you visit a year-round sales tax-free state like Oregon or Delaware, if you’re a resident of a non-participating state and you purchase tax-free goods, you may still have to pay a use tax on those items when you return home.

Once you’ve determined if and when your state of residence has a tax-free day or days, you can log onto Ebates.com to score some additional deals and Cash Back and reap even more savings benefits at stores like Old Navy, Amazon, and Target.

August 19, 2016

6 Easy Ways to Save for a Wedding

Planning a wedding can be a super fun endeavor but also incredibly stressful — especially when it comes to creating and sticking to a budget. But learning how to save for a wedding and figuring out how to cut wedding costs doesn’t have to be so painful.

As long as you start early, a few small, everyday changes can make a huge difference in your savings. Add in some wedding-budget tips and careful planning, and saving for a wedding will be as easy as a piece of multi-tiered cake. Check out these money-saving tips to help maximize your wedding budget without feeling totally bound by your purse strings. As a special bonus, you’ll earn Cash Back at Ebates at each of the stores mentioned!

1. Stop Buying Coffee: Save $100 per Month

This one is a no-brainer. Skip the daily fancy lattes and set aside an extra $2 to $5 per day. Making your own coffee can swiftly add up to an extra $100 or more per month, depending on your coffee-buying habit. That extra money set aside can help you defray wedding costs such as table centerpieces and other small essentials. Treat yourself to a simple coffee machine and supplies online at Mr. Coffee and build savings for your wedding into your daily routine.

2. Pack Your Own Lunch: Save $200 per Month

Bringing your lunch to work can easily save you $5 to $10 per day, which, over a few months, could add up to enough to cover your wedding place cards, save-the-dates or even your invitations. Invest in some nice packable lunch boxes and use a promo code to save at Bed Bath and Beyond to double up on your savings for your wedding.

3. Cut Out the Fancy Dinners: Save $120 per Month

Dining out is fun, but when you’re saving for a wedding it’s an easy expense to cut that can save you some serious money. A meal for two at a restaurant can cost you $30 or more, and dining in could add up to an extra $120 or more per month for your wedding savings account. After a few months, you could easily save enough for a tux or flowers for your wedding day.

Invite your friends and family to help support your arsenal of ways to save by setting up weekend potluck dinners rather than eating out at restaurants. This is also a great opportunity to up your cooking skills if you can invest in a couple new cookbooks. Check out the great collection available online at BooksAMillion and get ready to impress your friends and family with both your cooking and saving skills. They may even thank you for all the money they save too! Other money-saving tips include making your own brunch on the weekends, which can add up to $50 to $100 extra for your wedding savings account each month.

4. Pregame at Home: Save $120 per Month

Whether it’s date night or time for you and your girls to hit the town, get started with drinks at home rather than at a bar or restaurant. Drinks and cocktails out on the town can cost you $5 to $15 each, so skipping even one drink each every weekend could add up to an extra $120 per month. Just think of your new cocktail fund as your wedding-favors budget and get something sweet for all your guests to take home with them. If you’re not ready to give up fun cocktails altogether, pick up a great guide and start mixing them yourself!

5. Don’t Impulse Buy Pricey Wedding Accessories

Just because you found the most adorable wedding-cake topper doesn’t mean you have to buy it right then and there, especially if it comes with a hefty price tag (products labeled “wedding” often come with a markup). With a little DIY creativity, you can create these flourishes yourself and potentially save $100 to $200 to put toward your other wedding expenses. Get a head start on DIY wedding elements when you check out the awesome wedding DIY section at Michaels. Save a bundle when you order the supplies you’ll need for classic wedding items such as cake toppers, table décor and gorgeous favors.

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6. Skip the Travel

Planning your wedding in your local area can help you save on wedding costs before the wedding even starts. Whether you are planning your bachelorette weekend or picking out your wedding venue, keeping things local can help keep hundreds of dollars in your budget to spend on other essentials, such as meals for your guests or that awesome live band you’ve been checking out. You can easily divert the money saved on airfare and hotels to other essentials. Another bonus of a wedding near your home is that it makes getting all the DIY wedding items to your venue even easier when the big day finally arrives.

5 Simple Tips to Save on Late-Summer Travel

Summer is halfway over, which means if you haven’t gone on a vacation yet, you might be scrambling to take advantage of the remaining long days. Whether it’s a weekend road trip or a month in Europe, you’ll have more fun if you’re getting the most out of your journey. Here are some ways to save money and earn credit card points.

1. Think outside the crowd. Paris and other European cities are a good deal in August because locals leave town. Then, mid-September is the start of the cheaper travel season. Likewise, you’ll find cheaper rates for travel to the Caribbean because it’s off-season there. Flights and hotels generally become cheaper after Labor Day, but if you can’t wait that long, you can still save by taking midweek or late-night flights.

2. Make sure you have the best travel card. If you don’t yet have a travel credit card, now is the time to consider one. There are travel cards for specific airlines and hotels, which help you earn free airfare and hotel rooms, along with substantial sign-up bonuses. If you’re leaving the country, be sure to take a card that has no foreign transaction fees.

The best time to get travel cards is often during the off-season. Sign-up bonuses for general travel cards and airline cards tend to peak in November, and for hotel cards, August is the best month, according to a NerdWallet analysis. If you received a travel card around either of these times, or if you just redeemed a sign-up bonus, now is a good time to travel. Even if you didn’t get a travel card at one of those times, it may still be worth it to get one for your trip, if only to start earning points and to avoid foreign transaction fees.

3. If you’re taking a road trip, make the most of your cash-back credit card. If you already have a cash-back card with rotating categories that periodically offer a higher percentage of cash back for certain kinds of purchases, see which ones you can take advantage of while you’re on the road — such as higher rewards for gas stations or restaurants. If you have a card with higher rewards in categories like gas and groceries, be sure to take advantage of those, too.

4. Find the best hotel deals. Use hotel comparison websites like Hotels.com and Priceline to find the best rates for hotels. You may be able to book hotels through your travel card. Many points-based travel cards allow you to transfer your points to pay for hotels, either through the booking site of your choice or, in some cases, through their own travel site.

5. Perfect your packing list. You can always pick up something you forgot once you get to your travel destination, but that’s money you shouldn’t have to spend. Make sure you pack essential and versatile clothing for your journey with The Smart Shopper‘s travel-ready clothing guide. By planning now, you’ll have one less thing to worry about on your vacation.

January 20, 2016

How to Save on Designer Styles at Saks Fifth Avenue

The renowned Saks Fifth Avenue name conjures designer dreams and serious clothing cravings in the minds of fashionistas everywhere. Thankfully, you can get your luxury on for less with Cash Back at Ebates on chic winter wardrobe ideas and style staples at Saks. From designer handbags and accessories to the best beauty products and on-trend apparel for men, women and kids, SaksFifthAvenue.com is the spot to score all things designer on a dime. Here’s how you can find your new fashion faves on a budget at Saks Fifth Avenue:

1. Saks Fifth Avenue offers free shipping on every order, every day. Use promo code FREESHIP and get your gorgeous goodies delivered right to your home or office for free. Saks Fifth Avenue’s free shipping offer is available regardless of your order total, so that means you can spice up your entire wardrobe or just get that one pair of designer shoes you’ve been eyeing for less. Check out their website for all the delivery details.

2. Sign up for Saks text alerts to get the inside scoop on savings. Sign up for SMS text alerts at SaksFifthAvenue.com and they’ll text you when something special happens. You’ll get exclusive insider access to all the best designer fashion sales and more. Stay updated on endless ways to stay fashion forward and save even more with Saks Cash Back at Ebates thanks to these easy text alerts.

3. Get 10% off your next order with Saks emails. Sign up for Saks Fifth Avenue emails and enjoy 10% off your next Saks order. You’ll even gain access to money-saving sweepstakes, exciting email-only sales and more insider exclusives. A must for trendsetting shoppers who want to stay ahead of the style curve!

4. Save up to 70% in the sale section. Scope out Saks Fifth Avenue’s online sale section for deep designer discounts. Shop the best deals in women’s apparel, designer shoes, men’s clothing, designer handbags and more. Explore trending sales for all the most popular picks and best sellers, all at up to 70% off. Looking for winter wardrobe ideas? Take a peek at Saks’ Winter Favorites Sale for discount coats, jackets and more trendy takeaways to keep you cozy.

5. Join the SaksFirst bonus rewards program. Make the most of your Saks shopping experience when you sign up for their money-saving SaksFirst program. Just sign up for a SaksFirst Store Card or a Saks Credit Card and upon approval, you will automatically become a member of the SaksFirst Program. Earn up to six points per dollar spent at Saks Fifth Avenue, plus earn extra points during special sales events. Your points will be automatically redeemed each February and you’ll receive a gift card you can use just like cash!

6. Sign up for a SaksFirst Credit Card for savings and perks. Turn everyday purchases outside of SaksFifthAvenue.com into SaksFirst points with a SaksFirst MasterCard. Choose the SaksFirst World Elite MasterCard and upon approval, you’ll enjoy special offers, advance notice of sales, a $25 Saks Welcome Gift offer and more. Opt for the World Elite MasterCard and score benefits like no foreign transaction fees, price protection and so much more. Take advantage of the easy financing offers fit for you and get VIP perks at the same time!

7. Get free products with purchase. There’s nothing better than a free gift! Check out Saks’ beauty section for gorgeous giveaway options you can get with a purchase. Browse the ever-changing selection of special offers and take advantage of designer makeup, skincare and fragrances, all free when you buy from your favorite brands. Head over to SaksFifthAvenue.com for the coolest in complimentary goodies. It’s the perfect way to save on spicing up your beauty and grooming routine.

8. Use Ebates! Sign up for your free account at Ebates and get Cash Back on the things you were already going to buy at Saks Fifth Avenue including designer handbags, apparel and more. You can get Cash Back for shopping both online AND in Saks stores when you sign up for In-Store Cash Back. Plus, get additional savings using Saks promo codes to freshen up your fashion collection for less.

9. Keep an eye out for semi-annual sales and special events. Get major price reductions during Saks Fifth Avenue’s amazing Semi-Annual Sale. Get up to 50% off all your favorite designer gear. It’s the perfect time to stock up on style and get inspiration for your winter wardrobe. Plus, get incredible deals during seasonal sales and special promotions like Black Friday, flash sales and more.

Now that you’re in the know on all the latest and greatest ways to save at Saks Fifth Avenue, you can be a trendsetter on a budget that won’t break the bank. Comment below and tell us about some of your favorite Saks style steals!

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Prices and Cash Back percentages are subject to change.

How to Save Money in the New Year

A new year is upon us and that means new resolutions! Spending less and saving more is one of the most popular New Year’s resolutions around. But keeping your wallet full and learning how to save money without a plan of attack can be a challenge. Check out our favorite tips for saving big this year.

1. Set Goals

Before you kick off your plan on how to save money this year, you’ll need to set some realistic goals. Review your budget to determine where you are and where you want to be by the end of 2016. Give yourself a weekly or monthly figure and set that money aside in a savings account. At the end of the year, you could have a chunk of change that you may have spent without a precise plan! And if you need help, ask a professional. See if you can reduce or cut out your banking and 401(k) fees and learn how to utilize your HSA to the fullest, if you have one. While getting professional help isn’t free, it will certainly pay off in the long run to learn how to save money with your insurance and retirement planning.

2. Get Cookin’

Ditch the drive-thru and kick up your kitchen skills to save some serious dough. Pick up the weekly ads from your favorite local grocery store and scope out the best prices on all your essentials in order to plan affordable meals throughout the week. Portion everything out so you can grab and go in the mornings and skip those tempting lunches out. Keep your fridge stocked with prepped snacks and sides for healthy and affordable food options that beat eating out during the busy week. If you have a large family, opt for bulk grocery stores for the best values. If you’re cooking for a couple or snacking solo, freezing meals can be a great money-saving option, too. Whether you go into full-on chef mode or just cut out a few restaurant trips a week, you’ll get big savings in the end.

3. Go DIY

Conjure your inner crafter and save easy money all year long. Try making heartfelt handmade gifts for occasions throughout the year and skip those pricey presents. Say hello to your handy side and learn how to patch up clothing or fix things around the house rather than automatically replacing them with something shiny and new. You’ll enjoy the creative outlet, feel accomplished and save money all at the same time. Priceless.

4. Ditch Daily Habits

Breaking the bank on your morning brew? Hitting up the vending machine midday? Those costly little habits and treats can add up quickly. If caffeine is your cup of tea, why not invest in a good coffee maker and save money every day? You’ll definitely see the difference in your bank account by breaking these little daily indulgences.

5. Change Things Up

Pennies and dimes and quarters, on my! Coins can seriously weigh down your purse or wallet. Repurpose an old jar and keep it on your counter for an easy way to store all that spare change. It’ll add up faster than you think! Cash it in and use it towards groceries, essential supplies and more. Plus, kids love counting the coins and keeping track – make it a fun family goal!

6. Ridesharing Rules

Easily save money on gas and costly wear and tear on your car by creating a carpooling system. Chat with coworkers who live in your neck of the woods to see if they’d be interested in commuting together. Ridesharing even a couple days a week can add up to quick savings. Determine your gas costs and see if it makes more fiscal sense to take other affordable public transportation options if they’re available to you. Explore your area for simple ways to save easy money with buses, bikes and trains.

7. Recycle & Reuse

Save money and be a pal to our planet by recycling and reusing! Skip those expensive disposable plastic water bottles and opt for something reusable. You’ll save money at the grocery store every week just by making one simple change! Leave those budget-blasting paper plates and plastic utensils behind as well and save money instantly.

8. Vacay on a Budget

Saving money doesn’t mean you have to cut out all the fun! Head out on your family vacation or weekend getaway, but do your research in advance. Scope out sites like Groupon Getaways and LivingSocial for amazing travel deals and save big with Cash Back at Ebates. Comparison shop for discount hotels and get insider tips on the best food and drink deals at your destination. Two words: happy hour.

9. Shop Smart with Cash Back at Ebates

Why spend more if you don’t have to? When you shop through Ebates.com, you’ll earn Cash Back at tons of the most popular online retailers. It’s such as easy way to save big on the items you were going to buy anyway! From food and entertainment to apparel and so much more, get Cash Back at Ebates when you sign up for a free account. You can easily see your Cash Back activity and sign up for emails on all the hottest sales and specials. Now that’s easy money!

Now that you have our top tips on how to save money and get plumper pockets this year, go forth and save big. Wishing you a wonderful 2016!

Prices and Cash Back percentages are subject to change.

October 26, 2015

12 Black Friday Shopping Tips You Need to Know

Even though it’s only October, you’re probably already starting to see Black Friday deals trickling into your social feeds and advertisements. It’s a lot of information to process and very easy to miss out on the absolute best deals amidst the chaos. We want to make sure you have the most frugal Black Friday yet! Here are 12 Black Friday shopping tips on how to zone in on the best ways to save on your holiday shopping this year.

1. Tune in now. Even if it seems too early to start paying attention to daily deals under the Black Friday label, don’t ignore them. Scope out ads from all types of stores, even ones you don’t normally shop. This will help you compare prices.

2. Browse in person. See a great online deal but not quite ready to commit to buying? This is a great time to start physically going to stores to check out products in person. Once you’re on the floor, ask a sales person about similar products and recommendations that you can also test out in the store. Take notes–this will give you a list of backup products so you can compare prices online when you are ready to buy. During this time of year, brick and mortar stores won’t be as packed with shoppers. This will make browsing a little easier as opposed to going out during the holiday rush.

3. Shop on Thanksgiving and earlier. You don’t have to wait until the stroke of midnight on Black Friday to start shopping. Thanksgiving day is a great time to start. It is historically known as the day of prime Editor’s Choice sales as well. Even the week of Black Friday has fantastic deals you don’t want to miss. Bottom line, don’t wait. As the clock ticks down to the big day, start really paying attention to those deals. As soon as one looks too good to pass up, go for it!

4. Choose to shop online or in-store. Doorbuster deals are designed to get you into the big-name stores with enormous, unbelievable savings on big-ticket items. However, we’ve seen online deals that are just as impressive. But you have to act fast! If you plan on hitting the stores, just know that this will cut into your online shopping time. This means taking the risk on missing top online deals. It all depends on what is more important to you–a visceral shopping experience or a convenient one.

5. Stay on schedule for in-store shopping. Black Friday deals go by lightning fast. You have to be in the store on time. Being even 10 minutes late can result in you leaving empty handed. Know what your day will look like timewise. Plan what time you need to leave, the best driving route possible, etc. If you need a sitter, plan to get one in advance. If you’re going with a shopping buddy, make sure they’re kept in the loop on the schedule. Plan as much extra time as possible to account for unforeseeable variables like parking, traffic and long lines. Black Friday shopping is not something you can do on a whim in a casual fashion. You’ve got to be planned and pumped!

6. Use line time to shop. If you do happen to get caught in a never-ending line, make sure your smartphone is fully charged so you can check out holiday deals on mobile sites while you wait to enter the store. Some online deals are known to pop up at the very last minute. You might even be able to purchase the item you are waiting for at a better price using your phone. Then you can just move onto the next store!

7. Stick to your shopping list. This especially applies to in-store shopping but can also be relevant to shopping online. Avoid buying impulse items to make sure you stay on budget. Rest assured that checkout lines will be bordered with tantalizing products designed to gobble up your dollars with little time to really think about it. Most of the time, these products are not of high quality and are basically clearance items. Don’t be lured by a good deal on a bad product.

8. Shop at price-matching stores. Walmart and Best Buy are among some big name stores that are known to offer price matching during Black Friday sales. This means they will match the price of an item sold for less by a competitor in order to get your business. If you plan on doing most of your shopping at one or two stores, this is a great tool to ensure you get a great deal without having to skip all over town.

9. Plan alternative products. By now, you get the idea. Black Friday deals can go out of stock in a snap. Sticking to your shopping list will ensure that you stay on budget but a little flexibility will make sure you cover all your categories. You may be looking for a deal on a specific TV but consider an alternative brand or size just in case your desired TV sells out.

10. Buy final sale items with caution. Final sale means just that–final. No returns, no exchanges. These are usually fantastic deals but they come with a little risk. Always make sure of the fit and quality of final sale items before buying.

11. Organize store credits and rebates. Things can certainly get lost in the shuffle with the chaos of Black Friday shopping. Be sure to flag all of your emails and keep all of your receipts during this time, especially those keeping track of your rebates and store credits offered as special savings. Keep a special Black Friday folder at home and in your email.

12. Be patient and stay calm. This can be a very stressful time for both shoppers and retail workers. If you need help in-store or online, being courteous will help to ensure that you will receive the best customer care possible. After all, you catch more flies with honey than with vinegar. Happy shopping!

Prices and Cash Back Percentages are subject to change.

October 7, 2015

11 Tips for Saving Money at Kohl’s

Kohl’s is your one-stop shop for everything to spruce up your space and update your look for less — and there are many ways to save at Kohl’s in addition to Kohl’s coupons. Check out these simple ways to shop at Kohl’s while getting the most for your money, with Cash Back at Ebates, of course.

Sign Up for Mobile Alerts

With our busy schedules, we don’t always have time to keep up with the sales at our favorite stores. But Kohl’s now offers text-message alerts to notify you of upcoming promotions and events. Text “SAVE07” to 56457 to get a 15-percent-off coupon sent to your phone and sign up for mobile sale alerts. Worried about getting too many texts? Kohl’s sends only five to seven texts per month, and you can opt out at any time.

Shop During Kohl’s Cash Promos

Every so often, Kohl’s runs a Kohl’s Cash promotion in which you receive $10 in Kohl’s Cash for every $50 spent in-store or online on all regular, sale and clearance items (excluding gift cards). You can then spend your Kohl’s Cash during the specified time period, which typically is about 10 days following the promotion’s end. There is no minimum price on the items you can redeem, so if you’ve had your eye on a pair of earrings or something else under $10, use your Kohl’s Cash and snag it for free.

Shop the Gold Star Clearance Event

Kohl’s already has some of the best clearance racks around, but prices get even better during the Gold Star Clearance Event! You may have to do a bit of digging to find that perfect item, but it’ll be worth it with prices up to 80 percent off. In addition, you can still use any Kohl’s coupons (or Kohl’s promo codes if you’re shopping online) for extra savings.

Yes2You Rewards

With Kohl’s Yes2You Rewards, you get one point for every dollar you spend by simply showing your card at the register (or providing your email address). For every 100 points you collect, you receive a $5 reward. As a Yes2You Rewards member, you’ll enjoy eight offers a year, plus a special birthday gift and additional opportunities to earn bonus points.

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Open a Kohl’s Credit Card

If you are a frequent shopper at Kohl’s, you may want to look into opening a Kohl’s credit card. As a cardholder, you’ll be able to take advantage of benefits such as special discounts of 15 percent to 30 percent at least 12 times a year. If you spend $600 a year on your Kohl’s card, you’ll become a Most Valued Customer and receive at least 18 exclusive discounts annually, such as pick-a-day savings or additional coupons. Stack these savings on top of your Kohl’s Cash and Yes2You Rewards points, and you’ll be able to find some great bargains.

Check for Rebates

Save even more with mail-in rebates on select items. Check your purchase for a message about potential mail-in rebates. Kohl’s rebates can save you even more money in just a few minutes. See the current list of Kohl’s rebates.

Stack Up to Four Coupon Codes Online

Kohl’s will let you use up to four coupon codes on your online order, as long as they are different types of coupons (percent off, dollar off, free shipping and Kohl’s Cash or Yes2You rewards). You can stack all four Kohl’s promo codes in one order, which can result in some major savings.

Although you may enter your promo codes in a different order, they will always be applied in the following order during checkout:

Department-specific dollar-off or percent-off promo codes will be applied to the qualifying items.
Any dollar-off coupons (such as Kohl’s Cash and Yes2You Rewards) will be subtracted from your subtotal.
One sitewide percent-off discount will be applied.

Shop Power Hours

Shop Power Hour specials (typically every second and fourth weekend of the month) to save an additional 10 percent to 25 percent both in-store and online. Night owls can shop in-store from 3 p.m. to midnight on Fridays, while early birds can hit the racks on Saturday mornings when stores open.

Price Adjustments

If the price of an item you purchased is further reduced within 14 days, bring your receipt to Kohl’s and they’ll pay you back for the difference (excluding clearance and BOGO merchandise). Head to the customer-service counter or call 855-564-5705 and request a partial refund. See Kohl’s full price-adjustment policy here.

Senior-Citizen Discounts

Wednesdays are senior days at Kohl’s. People over age 55 receive a special 15 percent discount in stores. The discount is good on regular-priced, sale and clearance merchandise, but it cannot be used in conjunction with Kohl’s Cash or other discounts. So this discount might be best to use on hot items that you want to snag before they get to the clearance rack.

Get Cash Back at Ebates

Use Ebates to earn Cash Back on your online purchases. Sign up for free, and use the Ebates portal to shop online at Kohl’s and earn a percentage of your purchase back. Ebates has Double Cash Back specials every week that feature select stores (including Kohl’s on occasion). The Ebates app also has a Mobile Monday event on select dates during which you can earn Extra Cash Back for purchases through the app. Sign up for Ebates, subscribe to Ebates emails and don’t forget to favorite Kohl’s on Ebates.com so you can always get alerts on Cash Back specials just for Kohl’s.

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Prices and Cash Back Percentages are subject to change.

8 Can’t-Fail Ways to Save for the Holidays

While it may seem a tad early to start talking about saving for Christmas, Hanukkah, Kwanzaa and other special holidays, now is indeed the perfect time. Getting a jump start on planning your budget and even shopping a little early can really save you a lot of money so you don’t have to start the new year under a pile of new debt. We’ve rounded up some of the best, most tried-and-true holiday savings tips to take some of the sting out of your gift giving this year.

1. Plan your holiday budget. Use an online holiday budget planner to get an idea of how much you would like to spend this season. Factor in your income and bills so you can see exactly how much money you need to save for the holidays. From there, you can adjust amounts to your liking and see where you can cut the fat in your everyday spending. Things may get a little tight but having a plan will give you an extra sense of security.

2. Commit to one month of essentials-only spending. 30 days of completely cutting out non-essential spending will give your bank account a dramatic boost. You’d be surprised to see how much you spend on eating out and entertainment in a single month. Hunker down for some cheap at-home fun, pack your lunch and carry your own water bottle. In 30 days, you will be shocked at how much extra cash is left for you to dedicate to your holiday budget.

3. Stalk your favorite stores. Sign up for emails, subscribe to text alerts and follow stores on social media so you never miss out on a last-minute savings and flash sales. Plus, many stores offer discounts on your first order when you sign up for emails so now is a great time to explore new retailers to get in on great savings.

4. Start shopping now. Shopping gradually over a longer period of time will allow you the replenish your bank account faster. Plus, Columbus Day sales and Veterans Day deals can certainly help with cutting price tags on your holiday gifts.

5. Buy big ticket items on Black Friday. If you’ve got a couple show-stoppers planned on your holiday gift list this year, save those for Black Friday and Cyber Monday where you will see the best prices of the year on appliances and electronics. Sometimes waiting totally pays off.

6. Get rewards for recycling. There are many programs out there where you can trade in your electronics and other e-waste materials for cash rebates. Staples has a great recycling program, for example. Recycle Bank is another amazing program that gives you rewards points when you educate yourself about recycling and recycle everyday materials, depending on your location. These points can be turned into local discounts that can help you stay on budget!

7. Cash in those credit card rewards. There is no better time to take advantage of all those points you’ve been racking up, especially if they amount to gift cards. Whether you want to give them as gifts, use them to buy gifts or use them for yourself to save money during the next few months, they are incredibly helpful. Even a bundle of $5 gift cards can really add up when it comes to staying on budget.

8. Postpone the celebration. Who says you have to celebrate the holidays on the actual days? People reschedule their holiday events all the time for various reasons–births, vacation time, you name it. Why not do it in the name of savings? Buying gifts during After Christmas Sales and clearance events will save you a huge chunk of cheddar. Plus, you’ll have a little more time to save up and make this holiday season the best one yet.

Prices and Cash Back Percentages are subject to change.