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Best Cashback Sites for the Holidays

Best Cashback Sites for the Holidays

Whether you are getting ready to complete some last-minute holiday shopping or are looking for a good way to save money in the New Year, there are some websites that can help you reduce your expenses. Cashback sites promise to make online purchases less expensive, and some of them are definitely the real deal.

How Do Cashback Sites Work?

Each cashback site has its own specific rules, but the basic formula remains the same. These websites make money by having an affiliate link to popular e-retailers, and they share part of their earnings with their users. Before you buy something, you need to click through the cashback site to your online store of choice. Any qualifying purchases will then earn you a credit with the cashback site. After you have accumulated enough credit, you will be able to receive a cashback reward.

There are several cashback sites available, but it is typically best to stick with just one or two of them so that you can earn rewards more quickly. Here is a starter list of ten of the best cashback sites to help you get started.

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1. Ebates

Ebates users have accumulated more than $325 million in cashback rewards since this site was launched in 1999. This makes Ebates one of the top choices for consumers who want to earn money on their purchases. The perks that make this one of the best cashback sites for members includes a combination of coupons and a reward that is equal to anywhere from 1 to 40 percent of the purchase price. When you put these two methods together, it is easy for people to end up saving a lot of money on holiday gifts.

2. BeFrugal

BeFrugal has been helping consumers save money since 2009. This cashback site utilizes a program that is similar to Ebates, and users can save up to 30 percent on items from more than 4,000 stores. Additionally, Be Frugal offers online coupon codes and printable coupons that can be used at approximately 250 national restaurant chains. Users can also take advantage of the Fly or Drive Calculator to determine which option makes the most sense from a financial perspective.

3. FatWallet

FatWallet is owned by the same parent company as Ebates, but they both manage to offer unique functionality that sets them apart from each other. FatWallet follows the same basic formula by offering cashback and online coupons. However, this site places a bigger emphasis on deals and coupons, and consumers can sign up to receive alerts when a specific item goes on sale. Because of these variances, it may make sense for frugal online shoppers to use FatWallet to track sales prices even if they choose a different cashback site for other purposes.

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4. Extrabux

Extrabux is also part of the Ebates family, and users have reportedly earned a combined $34 million in cashback rewards to date. Entrepreneur.com has called the company a “Social-Shopping Goldmine, and coupons and up to 30 percent in cashback are available for 2,500 e-retailers, and users instantly earn $5 just for signing up. Extrabux features a comparison shopping tool that makes it possible to quickly determine what online store has the best price on anything that you are looking for.

5. ShopAtHome

ShopAtHome was launched in 1986, which makes it the oldest surviving cashback site. Between the app and the website, consumers can search through more than 100,000 active coupon codes and earn up to 30 percent cashback from a list of 3,000 stores. ShopAtHome has an impressive 98 million users, and they have paid out more than $50 million in cashback rewards. The app contains exclusive discounts and rewards. Users can request a payment after they rack up $20 in their account.

6. Mr. Rebates

Mr. Rebates has been offering deals to consumers since 2002, and there is even a $5 cashback sign bonus making its rounds on youtube. Members can also earn a cashback percentage of up to 30 percent for each purchase they make, and some companies offer a flat dollar amount. There are also coupons offered for more than 2,000 online stores. Mr. Rebates pays members after they earn $10 in cashback rewards, and payments are offered via check or PayPal.

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7. TopCashBack

TopCashBack began as a U.K. cashback site in 2005, and the company launched their U.S. version six years later. The website has discount codes and cashback rewards just like every other option on this list, but with one major difference: TopCashBack promises to rate match if you find a better deal on another site. In other words, if TopCashBack is offering 3 percent back for an online retailer but ShopAtHome will give you 4 percent, you can get TopCashBack to honor the 4 percent rate. ShopAtHome also makes all of its revenue from ads, which means that they give 100 percent of the cashback that e-retailers offer directly to consumers.

8. Swagbucks

Swagbucks embraces the typical formula of giving users discount codes and cashback on purchases. This site also provides an expanded list of options for earning account credits. For example, there are several surveys that users can take, and you can also watch short video advertisements to add more Swagbucks into your account. As an added bonus, Swagbucks has its own search engine, and this means that you can earn rewards by simply surfing the web. This combination has led to payouts that total more than $116.7 million.

9. MyPoints

MyPoints predates Swagbucks, but the two have a very similar platform. You can print coupons and earn 10 points each time you redeem one in a local store. Facebook credits can be earned and points are also awarded for taking surveys and playing games. Making an online purchase through an affiliate will typically provide you with a pre-specified number of points. After you accumulate enough points to order a reward, you can choose between gift cards, cash or travel miles.

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10. Main Street Shares

Main Street Shares was formerly known as BigCrumbs, but this cashback site has decided to up the ante by making users eligible to earn additional money if the startup is acquired in the future by a bigger company. Therefore, while you are taking advantage of coupons and cashback rewards, you will also see your msSHARES amount continuously increase. Main Street Shares has pledged to share at least 50 percent of any future acquisition revenue with members who have earned msSHARES.

As you can see, all of these cashback sites have at least a couple of things in common, so it would be wise to determine which ones offer deals for your favorite online stores. From there, you can add at least one of these sites to your existing list of ways to save money. With a little time and patience, you can earn enough cashback to dramatically cut back on your holiday expenses.

Featured photo credit: Cash Back/GotCredit via flic.kr

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Holly Chavez

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Published on November 8, 2018

How to Answer the Tough Question: What are Your Salary Requirements?

How to Answer the Tough Question: What are Your Salary Requirements?

After a few months of hard work and dozens of phone calls later, you finally land a job opportunity.

But then, you’re asked about your salary requirements and your mind goes blank. So, you offer a lower salary believing this will increase your odds at getting hired.

Unfortunately, this is the wrong approach.

Your salary requirements can make or break your odds at getting hired. But only if you’re not prepared.

Ask for a salary too high with no room for negotiation and your potential employer will not be able to afford you. Aim too low and employers will perceive as you offering low value. The trick is to aim as high as possible while keeping both parties feel happy.

Of course, you can’t command a high price without bringing value.

The good news is that learning how to be a high-value employee is possible. You have to work on the right tasks to grow in the right areas. Here are a few tactics to negotiate your salary requirements with confidence.

1. Hack time to accomplish more than most

Do you want to get paid well for your hard work? Of course you do. I hate to break it to you, but so do most people.

With so much competition, this won’t be an easy task to achieve. That’s why you need to become a pro at time management.

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Do you know how much free time you have? Not the free time during your lunch break or after you’ve finished working at your day job. Rather, the free time when you’re looking at your phone or watching your favorite TV show.

Data from 2017 shows that Americans spend roughly 3 hours watching TV. This is time poorly spent if you’re not happy with your current lifestyle. Instead, focus on working on your goals whenever you have free time.

For example, if your commute to/from work is 1 hour, listen to an educational Podcast. If your lunch break is 30 minutes, read for 10 to 15 minutes. And if you have a busy life with only 30–60 minutes to spare after work, use this time to work on your personal goals.

Create a morning routine that will set you up for success every day. Start waking up 1 to 2 hours earlier to have more time to work on your most important tasks. Use tools like ATracker to break down which activities you’re spending the most time in.

It won’t be easy to analyze your entire day, so set boundaries. For example, if you have 4 hours of free time each day, spend at least 2 of these hours working on important tasks.

2. Set your own boundaries

Having a successful career isn’t always about the money. According to Gallup, about 70% of employees aren’t satisfied with their current jobs.[1]

Earning more money isn’t a bad thing, but choosing a higher salary over the traits that are the most important to you is. For example, if you enjoy spending time with your family, reject job offers requiring a lot of travel.

Here are some important traits to consider:

  • Work and life balance – The last thing you’d want is a job that forces you to work 60+ hours each week. Unless this is the type of environment you’d want. Understand how your potential employer emphasizes work/life balance.
  • Self-development opportunities – Having the option to grow within your company is important. Once you learn how to do your tasks well, you’ll start becoming less engaged. Choose a company that encourages employee growth.
  • Company culture – The stereotypical cubicle job where one feels miserable doesn’t have to be your fate. Not all companies are equal in culture. Take, for example, Google, who invests heavily in keeping their employees happy.[2]

These are some of the most important traits to look for in a company, but there are others. Make it your mission to rank which traits are important to you. This way you’ll stop applying to the wrong companies and stay focused on what matters to you more.

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3. Continuously invest in yourself

Investing in yourself is the best investment you can make. Cliche I know, but true nonetheless.

You’ll grow as a person and gain confidence with the value you’ll be able to bring to others. Investing in yourself doesn’t have to be expensive. For example, you can read books to expand your knowledge in different fields.

Don’t get stuck into the habit of reading without a purpose. Instead, choose books that will help you expand in a field you’re looking to grow. At the same time, don’t limit yourself to reading books in one subject–create a healthy balance.

Podcasts are also a great medium to learn new subjects from experts in different fields. The best part is they’re free and you can consume them on your commute to/from work.

Paid education makes sense if you have little to no debt. If you decide to go back to school, be sure to apply for scholarships and grants to have the least amount of debt. Regardless of which route you take to make it a habit to grow every day.

It won’t be easy, but this will work to your advantage. Most people won’t spend most of their free time investing in themselves. This will allow you to grow faster than most, and stand out from your competition.

4. Document the value you bring

Resumes are a common way companies filter employees through the hiring process. Here’s the big secret: It’s not the only way you can showcase your skills.

To request for a higher salary than most, you have to do what most are unwilling to do. Since you’re already investing in yourself, make it a habit to showcase your skills online.

A great way to do this is to create your own website. Pick your first and last name as your domain name. If this domain is already taken, get creative and choose one that makes sense.

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Here are some ideas:

  • joesmith.com
  • joeasmith.com
  • joesmithprojects.com

Nowadays, building a website is easy. Once you have your website setup, begin producing content. For example, if you a developer you can post the applications you’re building.

During your interviews, you’ll have an online reference to showcase your accomplishments. You can use your accomplishments to justify your salary requirements. Since most people don’t do this, you’ll have a higher chance of employers accepting your offer

5. Hide your salary requirements

Avoid giving you salary requirements early in the interview process.

But if you get asked early, deflect this question in a non-defensive manner. Explain to the employer that you’d like to understand your role better first. They’ll most likely agree with you; but if they don’t, give them a range.

The truth is great employers are more concerned about your skills and the value you bring to the company. They understand that a great employee is an investment, able to earn them more than their salary.

Remember that a job interview isn’t only for the employer, it’s also for you. If the employer is more interested in your salary requirements, this may not be a good sign. Use this question to gauge if the company you’re interviewing is worth working for.

6. Do just enough research

Research average salary compensation in your industry, then wing it.

Use tools like Glassdoor to research the average salary compensation for your industry. Then leverage LinkedIn’s company data that’s provided with its Pro membership. You can view a company’s employee growth and the total number of job openings.

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Use this information to make informed decisions when deciding on your salary requirements. But don’t limit yourself to the average salary range. Companies will usually pay you more for the value you have.

Big companies will often pay more than smaller ones.[3] Whatever your desired salary amount is, always ask for a higher amount. Employers will often reject your initial offer. In fact, offer a salary range that’ll give you and your employer enough room to negotiate.

7. Get compensated by your value

Asking for the salary you deserve is an art. On one end, you have to constantly invest in yourself to offer massive value. But this isn’t enough. You also have to become a great negotiator.

Imagine requesting a high salary and because you bring a lot of value, employers are willing to pay you this. Wouldn’t this be amazing?

Most settle for average because they’re not confident with what they have to offer. Most don’t invest in themselves because they’re not dedicated enough. But not you.

You know you deserve to get paid well, and you’re willing to put in the work. Yet, you won’t sacrifice your most important values over a higher salary.

The bottom line

You’ve got what it takes to succeed in your career. Invest in yourself, learn how to negotiate, and do research. The next time you’re asked about your salary requirements, you won’t fumble.

You’ll showcase your skills with confidence and get the salary you deserve. What’s holding you back now?

Featured photo credit: LinkedIn Sales Navigator via unsplash.com

Reference

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