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7 Cashback Shopping Sites That Will Save Your Christmas Spendings This Year

7 Cashback Shopping Sites That Will Save Your Christmas Spendings This Year

It is the holiday season, and we are all (already) overwhelmed with shopping for our loved ones. With not much time left in shopping season, getting the perfect gift can be both stressful and expensive.

Don’t fret. I’ve compiled a list of 8 cashback shopping sites for every kind of shopper. If you are anything like me, you like to save money whenever possible. So, below is a list of cash back shopping sites that will help ease the stress of holiday shopping, and save you money for years to come. Hack shopping this Holiday Season, and visit these websites for cash back. Happy shopping, my friends!

1. Active Junky

A Cashback Shopping Site for The Outdoorsy

If you love to climb, hike, ski, bike, and/or participate in any outdoor sports, then I’ve got an online shopping jackpot for you. Active Junky features cashback deals on major brands like Northface, Patagonia, Under Armor, Spy, Moosejaw, Nike, Teva, Cabela’s, and many more. You can even use their cashback shopping deals on websites like BackCountry.com & The Clymb–where you can save up to 70% off before cashback savings. One of the other nice things about Active Junky are their interactive Gear Guides and User Reviews. If you’re an outdoorsy person, you can’t afford to ignore Active Junky!

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Active Junky

    2. UPromise

    Cashback Shopping for College Education

    If you are a college student, why not get cash back towards college for your holiday and everyday online shopping. Here’s how, with Sallie Mae’s UPromise:

    3. SWAGBucks

    Search, Watch & Shop for Cashback

    SWAGBucks is cashback shopping on steroids. At SWAGBucks, you can earn “digital currency” (SWAGBucks) through a myriad of ways, including:

    1. Searching The Web (via SWAGBucks)
    2. Completing Surveys
    3. Shopping in the SWAGBucks Shop
    4. Voting in Daily Polls
    5. Playing Games (yes, games)
    6. Watching Videos
    7. Inviting Friends To Join
    8. Completing Special Offers

    SWAGBucks can then be converted at varying dollar values on your favorite online stores.

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    Swag

      4. Coupon Cactus

      Coupons & Cashback

      One thing I like about websites like Coupon Cactus is that they offer more than one tool to save. This website features coupons (primarily from large companies), AND cashback offers on your purchase. Like most cashback shopping sites, Coupon Cactus gets paid a commission for every order you place and shares part of it with you. They are currently offering $3, just for signing up.

      Screen Shot 2013-12-11 at 12.55.19 pm

        5. Lyoness

        A Global Cashback Shopping Site

        With merchants in over 45 countries, Lyoness is one of the most global cashback shopping sites online and features cashback deals from large companies and small companies. Their easy-to-use filtering system allows you to search by Location, Shopping Category, and even Cashback Type (Cashback Card, Gift Cards, Online Shopping, Mobile Gift Card, Gift Card Point of Sale).

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        lyon

          6. Shop At Home

          For The Stay-At-Home Folks

          4,500,000+ Facebook fans will tell you, “Shop At Home” is a great site. What I love about Shop At Home is their focus on technology. Shop At Home has an app that features Mobile-Only deals + 100,000 coupons codes and exclusive cashback deals. You can download the app off their “About Page”.

          shop at home

             

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            7. eBates

            “The Walmart” of Cashback Shopping Sites

            While eBates may be “the Walmart” of cashback shopping sites, its sheer size enables them to feature some of the larger cashback offers that you will find online–i.e. deals currently featured range from 4% cash back to 45% back.

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              Are you a cashback shopping site, or do you know of any sites that I’ve missed? Comment (below) with your favorite websites for affordable shopping and cashback deals.

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              Last Updated on March 4, 2019

              How to Use Credit Cards While Staying Out of Debt

              How to Use Credit Cards While Staying Out of Debt

              Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

              I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

              Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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              Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

              Do Not Treat Credit Cards as Your Funding Sources

              Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

              I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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              I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

              If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

              Make Sure to Always Pay Off Balances in Full Each Month

              The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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              Using Credit Cards with Rewards

              Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

              You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

              I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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              So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

              What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

              Featured photo credit: Artem Bali via unsplash.com

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