Posted by kim on November 29, 2009
Do you have a Discover Card? If so, then you know that the Cashback Bonus rewards are usually better than what Mastercard, Visa and American Express offer. And keep reading for even more extra rewards and savings.
If you don’t have a Discover Card yet, now is the time is apply – Get $50 Cashback Bonus with Discover® More Card! (click banner for more details)
If you already have a Discover account, log in under “Rewards” and opt-in to the “DOUBLE Cashback Bonus” offer where you’ll earn 2% Cashback Bonuses on purchases made on the Internet (at any of our online stores) plus offline department, clothing, shoe and jewelry store purchases through 12/31/09 (subject to a cap of $1,000 in purchases).
Plus you can combine the double bonus with additional savings like coupon codes. But there are a few additional offers available just to Discover card holders, and here’s our top picks…
Budget Rent-A-Car Use your Discover Card to get 25% off plus a Free Upgrade
Chadwick’s Charge your order to your Discover and no payments will be required until next year. No Finance Charges apply on promotional credit plan purchases if the balance is paid in full before the promotional period ends. Use Code: CHDBJAN
Domestications – Take 3 months to pay with 0% interest. No minimum purchase required. You’ll be billed with 3 easy payments (1st payment will have your taxes and any other charges).
Jos A Bank 10% off w/Discover Card Code: DISCOVER1
Scholastic Store 15% off w/Discover Card Code: DISCOVER
Discover also has their their own incentive program called ShopDiscover offering 5% to 20% Cashback Bonus or Double Miles at over 150 online retailers.
Posted by Guest on November 11, 2009
We’re all guilty of spending a little bit too much every now and again…so how can we lower our expenditure and stay out of debt? (for more debt info click here)
1. Coupons
Coupons and coupon codes are all over the internet. They often offer up to (and sometimes more than) 50% off at your favorite high street retailers. You may have come across them before, but if you haven’t then simply search by store here.
You may find that some retailers actually offer you coupons after you have purchased something. If this is the case, and you don’t need to buy anything else, then let one of your friends have the coupon – help them save money, and they may return the favour!
2. Don’t be tempted to buy things you don’t need
If you find that your expenditure is too high each month, then it may be because you are buying things you don’t need.
We all get tempted to buy things, but before you get your money out, have a think about whether you really need the thing you are buying. In most cases, you won’t! The only reason you want it is because it looks good – remember, the shop will want to sell you items, so they will strategically place things around the store to influence you to impulse buy.
3. Stick to a strict budget
Create a strict budget, and stick to it! If you don’t stick to a budget, how are you going to lower your expenditure? Write down everything you spend each month and take a look at where you are spending too much. If you can, make cut backs – it should lower your expenditure considerably.
4. Try shopping online
If you haven’t already tried it, then why not give online shopping a go? Most supermarkets have their own ‘online shop’ where you can do your weekly grocery shopping – and what’s more, you will get it delivered to your door!
Online shopping should help you lower your expenditure quite a lot – this is because you can’t be tempted to pick things up, as you won’t actually be in the store. In addition, you won’t be walking down every aisle to get what you need – you will be able to find it by entering it into the search box.
5. Cancel any subscriptions you don’t need
Do you really need that magazine subscription? Or how about that satellite TV subscription? Think about how much you could lower your expenditure by if you simply cancelled these. If you really can’t do without them, then at least try and cut back…for example, instead of having two magazine subscriptions, just have one!
John Brisbane is a personal finance writer with 15 years experience writing in the personal finance industry.
