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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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    More by this author

    Craig Childs

    Craig is an editor and web developer who writes about happiness and motivation at Lifehack

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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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