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4 Apps Worth Downloading Just for the Bonus Perks

4 Apps Worth Downloading Just for the Bonus Perks
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These days it seems like almost every website, retailer, and restaurant has their own app. Because of this overload, chances are you’ve downloaded an app only to discover that it was pretty much worthless. But don’t be so quick to throw the baby out with digital bathwater — there are a few applications that do deserve a download after all.

The latest trend in mobile seems to be the integration of rewards programs into apps. Gone are the traditional punch cards and stamps that were once used to denote loyalty, only to be replaced by a 21st century staple: the smartphone. However, not all rewards programs are created equal. That’s why, for the purposes of this list, we’ll be looking at applications that either offer perks upon downloading or give you a bonus with your first purchase.

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Without further ado, here are four (technically five) apps worth downloading for the bonuses they offer:

Dairy Queen

I know — December isn’t the ideal time to be talking about ice cream, but hear me out. While perhaps not seasonally appropriate, ice cream is still delicious and that’s doubly true for Dairy Queen’s Blizzards. So did you know that you can get a free small Blizzard just for downloading the fast food chain’s app and signing up for their rewards program? It’s true, and it’s spectacular.

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Uber/Lyft

If you live in one of the growing number of cities that Uber and/or Lyft operates in, you really can’t go wrong having one or both apps downloaded just in case you find yourself in need of a ride. However, you may want to hold off on actually registering your account until that time comes. Why? So that you can take advantage of some of the coupon codes that both companies tend to offer.

Admittedly you may have to do a quick Google search in order to make this one work, but there is almost always a promo code in effect that will get you a free or discounted ride to start off with. For example, right now the code FEELING22 (apparently someone in company’s promotional department is a T Swift fan) will make your first trip of up to $22 free. Meanwhile, Lyft typically offers new users $50 in credit, but they can only be used $10 at a time. So whether you want to wait for the right night out or perhaps save some money on cab fare during your next vacation, both ride-hailing apps are a must-have.

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Expedia

Speaking of vacations, Expedia is a pretty strong one-stop shop for flights, hotels, rental cars, and even packaged deals. Better yet, they also have a loyalty rewards program that earns you a $25 credit for every 3,500 in points you rack up. So where does the app come in? Currently the site is granting double points to bookings made using the app. They’ve also been known to sweeten that offer at times, so keep an eye out as well.

Even if you end up researching your hotel, flight, etc. on your desktop computer, it may be worth switching over to the app when it’s time to book. Hopefully doing so will mean a nice little discount on your next getaway.

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Krispy Kreme

Another tasty treat makes the list — and hopefully this one’s a little more appealing to those in colder climates. On its own, Krispy Kreme’s app actually offers some pretty cool features, including the ability to see which stores currently have their famed “Hot Now” signs on. But the real reason to download is that you’ll be instantly rewarded with a free original glazed donut coupon when you do. Of course, like many of the other apps on the list, this will require you to sign up for their rewards program, but that sugary little pillow from heaven you get in return is well worth it.

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***

While there are probably too many retail apps in the world that really don’t need to exist, there are a few companies are that doing it right. By serving up the perks right away or otherwise incentivizing their use, these brands make their applications worth downloading. So make some room on your phone (and, in some of these cases, some room in your stomach) and enjoy the bonuses that these apps have to offer you.

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Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There
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Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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