Friday, October 29, 2010

Inbox Dollars: $5 Sign Up Bonus and My Earnings to Date: $17.27

Inbox Dollars pays members to read emails, take surveys online, play games, and go shopping! New enrollees also receive $5 just for joining. Go here to sign up.

Thursday, October 28, 2010

Free Betty Crocker 2011 Calendar

Get a free Betty Crocker 2011 Calendar here.

Free Thanksgiving E-Book

Free Thanksgiving Crafts eBooks: 9 Thanksgiving Decorations to Make eBook features 9 Thanksgiving craft ideas for homemade Thanksgiving decorations, including table decorations, wreaths and more. Small pumpkins from the farmer's market become Sparkle and Spine Pumpkins (pg. 9) for the dining table. Felt leaves become a Leafy Autumn Wreath (pg. 8) or an easy-to-sew Leave Table Runner (pg. 10). Click Here

The Frugal Free Gal Friday Blog Hop 10/28

The Frugal Free Gal
Hop Til Ya Drop!
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Free Eat Better America 2011 Calendar

Go here to get a free Eat Better America 2011 Calendar.

Heading to Chili's This Weekend? Print Your Free Coupon!

I was called recently by a friend and we are heading to Chili's tonight. I remembered the current deal where I can print a coupon for free chips and queso and thats just what I did! Print yours here. This will be my second one to use ;)

Ask Your Dentist for FREEBIES! I did!

I had my dentist appointment today. I find it funny that yesterday I was at Wal-Mart trying to find a new toothbrush for myself and my daughter and put them back because I knew I could get them cheaper at the Dollar store. Then I remembered I had my appointment today. I went in and saw a basket of toothbrushes and asked if I could have one for myself and my daughter. She said "yes, let me go get you some toothpaste and floss, too!" I then said, "nice, I love freebies!" She kinda laughed and said, "you can't find many things for free these days." That's when I almost busted out my little "The Frugal Free Gal" business card and handed it to her--thinking, you don't even know! :) We all know you can score lots of things for free, if you follow my website!

Anyways, I scored everything above today. I haven't had to buy toothpaste in a while with all of the free samples that have come my way, and I think I just might stop buying toothbrushes and just get them from the dentist every time I go! Money saver!

Free Samples at Saving Lane

Get Free samples, money saving coupons and more from the brands you love! Click Here

Ebates: Get Cash Back


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Groupon Daily Deals: 90% Off

Restaurants, Salons and Events up to 90% off! Find deals in your city. Click Here

Children's Book of the Month Club: Get 6 Books for $2 and a FREE Gift

Get 6 books for $2, plus a Free Gift, with membership. Click Here

Bid Cactus: Register for Free

Save Up to 95% off Retail at BidCactus├é®! Click Here

Why I am Cutting Up My Rewards Credit Cards

First, it was the Continental Chase rewards card. They gave me 20,000 airline miles just for signing up, but little did I know that it would take FOREVER to get to the 50,000 miles to get a free flight. This usually meant spending a lot before getting our free flight! We are frequent fliers and I thought this would be easy, but I also didn't read the fine print. An $80 annual fee! Multiply that by two since my husband also had a card, and we were paying $160 in annual fees! That was my mistake. I simply got caught up in the "rewards" and didn't realize these rewards would cost anything. I cancelled both cards about two years ago. I always make sure to ask about the annual fee before signing up for anything now. We did get our "free" flight but to me it wasn't free.

Next, it was the Upromise card. Now, I did like this one, and still do. BUT, my problem with it was that even though we paid our balances off each month and got the 1% back, I just simply did not keep track of my purchases that well. It wasn't against their card, but each time the end of the month came around and I had to enter in our finances, I was not a fan of trying to subtract everything from that account from what we had in our bank account. It was a headache, but we did earn a little over $600 in about a year from that card. If you total up the gas rewards, 1% back, and online purchases, our savings did add up. But, there were times when I wouldn't mind spending a little more, because we would get the rewards. Not a good idea.

Rewards cards are tricky. Even though it is nice to get the "rewards" promised, its a mind game. You are made to think "I can spend more because I am getting the rewards!" Its also much harder to keep track of what you are spending when you are using credit cards and not your bank card. You have to do double the work to keep track of exactly how much money you have in your bank account at the end of the month, and that did get exhausting. I also wasn't 100% sure the numbers were correct, and that wasn't good enough for me. I wanted to know what we had to the penny.

About two weeks ago, I decided to quit using my rewards credit cards and plan to just use cash and my bank card only. I can't even begin to tell you how much I feel like I have already saved. One, I like when I can get cash out of an ATM because it tells me the balance on the receipt. We also get reimbursed for ATM fees, so this is an added bonus. Two, handing cash over is just, well, a little harder than swiping a credit card! There have already been times where I simply didn't buy something because I didn't want the cashier taking my cash! The bank I use has their own rewards system, so I won't be without my rewards, they just won't be earned using credit cards.

I also made it a goal to keep much better track of the checks I am writing and keeping those recorded in my register, which I have been very bad about in the past. This is very helpful because before, I just wrote checks without recording. The checks wouldn't clear until a month later and by then I had forgotten that I even wrote the check. Not financially smart. But, I am getting better!

I got the idea to use cash from a few friends using the "Dave Ramsey Envelope System." I did read about this but I am not sure I want to use that system just yet. I want to take baby steps and eventually plan out a strict budget and maybe use this system in the future. Right now I am happy with how my current method is working and hope to perfect it a little more with time.

Some say they don't like to use cash, because they can't keep track of what they are spending. Be sure to keep your receipts so that you can keep track. It's easy to be able to sort them at the end of the month to see what you have been spending on. Read my article here on saving your receipts.

Do you use a rewards card or do you prefer to use your bank card and cash? Do you use the Dave Ramsey Envelope Method? Please let me know if you do, and how it works for you!

Wednesday, October 27, 2010

Free Sample of Toms of Maine Toothpaste

Copy this link: and paste it into your browser to get a free sample of Toms of Maine Toothpaste. To request your free sample, just take a short survey on the Start Sampling Web site. Limited supply, so hurry and request yours now!

Tuesday, October 26, 2010

Free Sample of Thomas Coffee

Go here to get a free sample of Thomas Coffee.

Free Sample of Axe Deodorant- Member # Not Required!

Go here to get your free sample of Axe Deodorant. You do not need to enter a Sams Member Number!

Free Sample of Dove Go Fresh Deodorant- No Member ID Required

Go here to get a free sample of Dove Go Fresh Deodorant. You do not have to enter a Costco Member ID!

MindsPay: Free Sign-Up

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Coupons for Halloween Candy

You can find and print these coupons here.

- $2.00 off ONE (1) Nestle Candy Variety Bag
- $1.50 off ONE (1) Wonka Mixups
- $2.00 off ONE (1) Wonka├é® Best on the Block
- $2.50 off TWO (2) Nestle Candy Variety Bags
- $1.50 off any THREE (3) bags Skittles, Starburst, Lifesavers $25 Gift Certificates for $2 Using Code TREAT Weekly Promo Banner 120x90

Free Samples at Freeflys


Free bag of chips from Food Should Taste Good. Click Here

Free ice cream from Baskin Robbins.Click Here

Free orange flashlight from RadioShack.Click Here

Free sample of Vaseline Intensive Rescue.Click Here

Free sample of Salonpas Pain Relief Patch. Click Here

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