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Turn Junk eMail Into Treasure

Turn Junk eMail Into Treasure
Turn Junk eMail Into Treasure

    Your spam folder is probably filled with tonnes of promotional offers that promise all sorts of free gear. All you have to do in return is click through their promotions, complete a short survey, and/or participate in a free trial. Baloney right?

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    Actually, you can get that free stuff! CleverDude.com shows us how; and it’s no scam – probably.

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    • 1. I verify the site credentials as stated in the above section
    • 2. I obtain a screenprint of every web page they give me, except the survey pages. I personally print the pages as PDF files, but you can also accomplish the same task with screen prints. The important pages are the homepage, Terms and Conditions, and each offer page
    • 3. I view the offers on ALL the offer pages BEFORE I sign up for anything. That way, I can see whether the offers will be too steep to complete or aren’t worth the promotional product. The sites let you advance through the offer pages and return to prior screens.
    • 4. I complete the prescribed numbers of offers presented on each offer page. For a 6 offer promotion, I usually get sent to 3 pages, where I complete 2 offers per page. The first page has the inexpensive offers with free trial periods. Each successive page has more expensive or more difficult to fulfill offers.
    • 5. As I complete each offer, I add the offer details into a tracking spreadsheet. I completed this spreadsheet for a Plasma TV. However, I decided to take a $1000 Visa Card instead
    • 6. I make sure to complete all the offers in one session, and I don’t delete my browser cookies. Many of the promotion sites use cookies to track who you are and what promotions to show you, as well as to display your account. Just try not to delete your cookies until you’ve complete all the offers and made first contact with the promotion team.
    • 7. Once the offers are completed, I keep checking my account daily to see when the offers are validated. In all 3 times I did these promotions, some offers didn’t report back to the provider site, so I had to fax proof of the offer completion.
      • 8. Also, and most importantly, I make sure I cancel any and all offers I completed before their trial period ends. Some offers also require you to return the product for credit, so make sure you do, and send it via certified mail.

      CleverDude was clever and got two Sony Vaio laptops for $125 and a Plasma TV [which he instead changed for a $1000 Visa Gift Card] for $300 worth of grill, pressue washer and curio cabinet. Not bad.

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      How I Get Laptops and Plasma TVs For Free – [CleverDude]

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      Published on July 4, 2018

      Top 10 Recommendations on Money Management Apps

      Top 10 Recommendations on Money Management Apps

      Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

      The solution is simple, save more and spend less. But, we all know it’s easier said than done.

      One problem is finding quality apps that save you time and money, and aren’t just hype.

      Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

      1. Personal Capital

        When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

        Here are some of its main features:

        • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
        • Discover hidden fees and how much they’re affecting your retirement plan
        • Wealth management for investors requiring a long-term strategy

        With Personal you’re free to track your expenses and net worth.

        Available for: iOS and Android

        2. Mint

          If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

          Here are some of its main features:

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          • Effortlessly track all your bills and balances in one dashboard
          • Categorized expenses to understand where you spend your money
          • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

          Feel at ease with managing your money by a reputable company that isn’t going anywhere.

          Available for: iOS and Android

          3. YNAB

            Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

            Here are some of its main features:

            • Easily sync all bank accounts in one place
            • Visually see your debt paying progress with eye-catching charts and notifications
            • Customized categories setting saving goals

            The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

            Available for: iOS and Android

            4. Wealthfront

              Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

              Here are some of its main features:

              • Variety of investment account options including IRA, Roth IRA, and more
              • Your portfolio composed of 7 different asset classes
              • Automatically rebalanced portfolio
              • Daily tax loss harvesting

              Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

              Available for: iOS and Android

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              5. Clarity Money

                If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

                Here are some of its main features:

                • Easily cancel subscriptions with one click
                • Synchronize bank accounts fast
                • Transfer money effortlessly between different accounts

                Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

                Available for: iOS and Android

                6. Acorns

                  What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

                  Here are some of its main features:

                  • Automatic contribution option
                  • Customized portfolio tailored to your needs
                  • Low management fees ranging from $1-$2 per month

                  Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

                  Available for: iOS and Android

                  7. Albert

                    Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                    Here are some of its main features:

                    • Receive notifications for overpayments, hidden fees, and low balances
                    • An Automatic budget that’s built around your spending and income
                    • Easily track debt and set new financial goals

                    While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                    Available for: iOS

                    8. Prism

                      Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                      Here are some of its main features:

                      • View all your account balances in one glance
                      • Bill due dates are automatically pulled and tracked
                      • Receive early reminders for upcoming bills

                      If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                      Available for: iOS, Android, Windows, Amazon

                      9. Mvelopes

                        Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                        Here are some of its main features:

                        • Connect unlimited bank accounts
                        • Real-time budgeting with auto transaction syncing
                        • Low monthly $4 fee or $40 annual

                        Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                        Available for: iOS and Android

                        10. Wallaby

                          Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                          Here are some of its main features:

                          • Automatic recommendations for the best credit card to use for each transaction
                          • A friendly user interface, displaying credit cards with their corresponding images
                          • Free to use

                          If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                          Available for: iOS and Android

                          Take control of your finances and experience financial freedom

                          Picture yourself staying on budget and saving more money than you’d ever imagined.

                          It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                          You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                          Featured photo credit: Pexels via pexels.com

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