Advertising
Advertising

50 Things You Never Knew You Could Get Cash Back For

50 Things You Never Knew You Could Get Cash Back For

The Internet has certainly changed the way we shop. These days, you can order a new Smart TV, crockpot, or Stephen King bestseller all from the comfort of your own home. Window shop in your PJs and before you know it, your items are delivered right to your door.

Convenient? You bet. But did you know it can also save you money in the process? That’s right, if you use a free cashback site like TopCashback.com, you can earn money back every time you shop.

Advertising

With over 4,000 popular merchants available, from Walmart to Saks Fifth Avenue, there are plenty of regular everyday purchases just waiting for you. In fact, we’ve put together a list of 50 things you never knew you could get cash back for!

Advertising

  1. Love – Money can’t buy you love, but love can get you money! Sign up for a 1, 3, 6, or 12 month subscription to eHarmony and you can find romance for less.
  2. Babysitters – Finally you can paint the town red again! Find the best sitters and care providers in the biz all while earning cash back at sites like Care.com.
  3. Weight Watchers – Lose weight everywhere but your wallet (because it’ll be stuffed with all that extra money!) when you sign up for a new subscription at Weight Watchers.
  4. Your Next Job – Post or hunt for your next job opportunity via Monster or The Ladders. Search resumes or get help putting yours together for less.
  5. Gift cards – Make cash back on cash? Pretty impressive. Use sites like Raise or GiftCardMall to buy and sell your gift cards.
  6. Airport Parking Reservations – Spend that cash back at your destination rather than paying for parking. Get big discounts on reservations made at Airport Parking Reservations, Park N’ Fly, and Looking 4 Parking.
  7. Email – Services like iContact are great for bloggers and entrepreneurs looking to connect with their customers. Just sign up for a paid account after a free trial to earn cash back.
  8. Online Education – Learning can be quite rewarding! Take an online class in yoga, programming, language, and hundreds more to earn cash back from Udemy.
  9. Nursing Scrubs – Yep, you can earn cash back for workwear from Scrubs & Beyond and ScrubShopper.
  10. SeaWorld Parks – From animals to rollercoasters, your family will have fun in the sun while your wallet earns cash back after booking your SeaWorld parks experience online.
  11. Cell Phone Cases – Sites like Otterbox don’t just offer phone and tablet cases to protect your devices, they also give you cash back.
  12. Anti-Virus Software – Nothing makes you feel more helpless than losing control of your computer. Luckily, anti-virus software like Malwarebytes, AVG, Norton, and Kaspersky can not only help you recover control, but earn extra cash back too!
  13. Edible Arrangements – Need a delicious, nutritious way to celebrate or say thanks? Forget the flowers and send an unforgettable gift via Edible Arrangements instead.
  14. Tires – They’re probably the absolute last thing you ever want to spend money on, so spend less! Browse cash back offers from The Tire Rack, Walmart, and Discount Tire.
  15. Streaming Movies – Cuddle up on the couch with some popcorn and a good movie rental from Fandango NOW or Amazon Prime instant Video while earning cash back.
  16. Learning Foreign LanguagesHablas cash back? You soon will. Get a discount on Rosetta Stone Language Software and/or learn the Pimsleur Method™, both at big discounts.
  17. Taxes – Turn a wise financial move into a wiser one with cash back from H&R Block, Intuit, and Liberty Tax Service.
  18. Beautiful Skin – Pamper yourself and save while you do it. Earn money back while shopping at top beauty brands like Murad, Clinique, Estee Lauder, plus online stores that sell popular brands like Sephora, Skinstore, and Dermstore.
  19. 20/20 Vision – You can’t put a price on good eyesight, but you can get cash back for it at least. Get discounts on brand name contact lenses and eyeglasses from Vision Direct, EyeGlasses.com, and Frames Direct.
  20. Memory & Drives – Ah, the necessities of modern life. Look for exceptional deals when you use coupons plus cash back at stores like Newegg, Best Buy, and Microsoft Store.
  21. Clown Wigs – Hey, you never know when you’ll need one. Halloween Mall, HalloweenCostumes.com, and Wholesale Halloween Costumes all stock wigs and offer seasonal discounts.
  22. A Lovely Cup of Tea – Hit the spot with some amazing offers from Teavana and Starbucks.
  23. Warehouse Memberships – Sure, you can’t enjoy all those free food samples when you shop online, but you can enjoy some sweet cash back rewards when you shop or purchase a membership for Sam’s Club.
  24. The Perfect Little Black Dress – And shoes to go with it! Try fashion brands like Saks Fifth Avenue, Kate Spade, Macy’s, and Neiman Marcus for an elegant piece at a price point you can swallow.
  25. Sneakers – For fitness or comfort, sneaks can’t be beat. Look for cash back offers from popular brands like Footlocker, Puma, Adidas, LadyFootlocker, and Shoebuy.
  26. Turning Back the Clock – Anti-aging skincare products can be yours for less from brands like La Mer, Avon, and Elizabeth Arden.
  27. Groupons – Already a great deal, made even sweeter with cash back! Get cash back when purchasing Groupon goods, local products, and services.
  28. A Weekend Getaway – A change of scenery, for less. Book a stay through one of the hundreds of popular travel brands offered, including Intercontinental Hotels Group, Marriott, DoubleTree, Hilton, and Hotels.com.
  29. A Loan – Get a pile of much-needed cash, and cash back on top of it, from companies that offer loans and loan-assistance tools, like FlexShopper, CashNetUSA, and MyFico.
  30. Subscription Boxes – Treat yourself to a monthly subscription box (and get some cash back!) with the likes of Birchbox, Wantable, or Gwynnie Bee.
  31. Power Tools – Improve your home with loads of tools from stores like True Value, Lowes, Sears, and eBay.
  32. Vitamins & Protein Powders – For your physical and financial well being, shop brands like GNC, BodyBuilding.com, Puritan’s Pride, and Vitacost to keep your body and your budget at its finest.
  33. Board Games – From Candy Land to Monopoly, snag your favorites for Family Game Night at stores like Toys“R”Us, Walmart, and Target.
  34. Dog Toys – Fido’s been so good lately. Reward him with a squeaky toy and yourself with cash back on purchases at PETCO and PetSmart.
  35. Onesies & Bibs – Everything you need for the cute little ones in your life can sure stack up in cost. Where babies are concerned, every penny saved counts. So earn cash back on newborn essentials from stores like Carters, Zulily, and The Children’s Place.
  36. Car Rental – Road trip! Whether for work or play, hit the road for some cash back from Hertz, National, and Enterprise Rent-A-Car.
  37. Spurs & Ostrich Boots – Get your Western Wear for less when you buy your cowboy boots, hats, jeans, and more from Shepler.
  38. Movie Night – Take the family to the multiplex for less when you buy your tickets from Movietickets.com. Eat popcorn and earn a nice cash back rebate, all thanks to sites like The Popcorn Factory.
  39. That Perfect Shade of Red – Look like a million bucks and still get cash back on cosmetics from Sephora, Beauty.com, and e.l.f. cosmetics.
  40. Surround Sound – Music to your ears, for less. Snag all the latest electronics and listen to your tunes from gear purchased at stores like Best Buy, Walmart, and Newegg.
  41. Travel Essentials – Pack up extra discounts on travel necessities from merchants like Tumi, Samsonite, and eBay.
  42. Pet Health Insurance – Keep Fluffy in the best of health without taking out a second mortgage when you secure pet insurance from companies like PetPlan Pet Insurance and Pet Plus.
  43. Cameras – Take photographs like a pro with top brands from Canon, Adorama, and QVC.
  44. Menswear Suits – Look like a million bucks without spending it. The iconic look of a Brooks Brother suit can be yours now with cash back rewards.
  45. Holistic Care – Take care of yourself, be it allergies, energy, cleansing, or detox, and earn a healthy dose of cash back earnings from Natural Wellbeing.
  46. Gift Baskets – Say thank you or celebrate an event with a gift basket or bouquet from merchants like 1-800 Flowers, Harry & David, and Giftbaskets.com.
  47. Cruises – Sail off into the sunset on a vacation booked at Orbitz, Expedia, or CruiseDirect.
  48. Mixers, Keurigs, and Spiralizers, Oh, My! – Get cooking and find the things you never knew you needed at retailers like Bed Bath and Beyond, Kohl’s, Kmart, and Crate and Barrel.
  49. Smart Phones – Time for an upgrade? Get money back for purchases and new activations at T-Mobile, AT&T Wireless, Verizon, and more.
  50. Cable TV – You want your MTV? You got it! Earn some pretty big cash back rewards when you sign up for a new activation with AT&T TV, DirecT, or the DISH networks.

This list of 50 is just the tip of the iceberg. You can earn cash back for just about anything you need to buy (heck, maybe even an iceberg!). Search TopCashback.com now and start saving.

Advertising

Featured photo credit: pixabay.com via pixabay.com

Advertising

More by this author

50 Things You Never Knew You Could Get Cash Back For

Trending in Money

1 How to Invest for Retirement (The Smart and Stress-Free Way) 2 How to Nix Your Credit Card Debt in Less Than 3 Years 3 Top 5 Spending Tracker Apps to Manage Your Budget Smart in 2019 4 How to Use Credit Cards While Staying Out of Debt 5 How to Use Debt Snowball to Get out from a Financial Avalanche

Read Next

Advertising
Advertising
Advertising

Published on May 7, 2019

How to Invest for Retirement (The Smart and Stress-Free Way)

How to Invest for Retirement (The Smart and Stress-Free Way)

When it comes to stocks, I bet you feel like you have no idea what you’re doing.

Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

Here’s how to invest for retirement the smart and stress-free way:

1. Know Clearly Why You Invest

Odds are you already know why should invest for retirement.

But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

  • Will you spend more time with your family?
  • What does retirement mean to you?
  • Are you looking to launch that business you’ve been holding off for years?

Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

2. Figure out When to Invest

“The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

Advertising

A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

Investing your money well depends on your emotions.

Why?

Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

4. Open a Reliable Retirement Account

Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

  1. Vanguard
  2. TD Ameritrade
  3. Charles Schwab

5. Challenge Yourself to Invest Consistently

Committing to invest for retirement is hard, but continuing to do so is harder.

Advertising

Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

6. Consider Where to Invest Your Money

The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

Robo Advisors

Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

Bonds

Think of bonds as “IOUs” to whomever you buy them from.

Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

Here are the different types of bond categories:[5]

  1. Treasury bonds
  2. Government bonds
  3. Corporate bonds
  4. Foreign bonds
  5. Mortgage-backed bonds
  6. Municipal bonds

Mutual Funds

Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

Advertising

Real Estate

Yes, buying a home is an investment when done correctly.

Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

Savings Accounts

Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

7. Master Disincline to Dodge Short Success

Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

So how can you master delayed gratification?

By building your discipline.

Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

8. Aggressively Invest on This One Investment

I’ve mentioned several types of investments but haven’t covered the most important one.

It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

Advertising

More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

But, how can you invest yourself?

Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

Retire Happy with Excess Money

The key to a secure financial future doesn’t only belong to financial experts.

It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

More Articles About Making Wise Investment

Featured photo credit: Matthew Bennett via unsplash.com

Reference

Read Next