What do you like?
Come on, admit it. There must be something.
something you really want. Something you could theoretically buy at some point, but you probably shouldn’t buy it. Not yet at least. Because it’s probably a little pricey, right?
What’s your next bragging? Is it a pair of shoes? suitcase? phone? A really good bottle of wine? Bathroom remodeling? muscle car?
Whatever the case, we’ve got five suggestions for how to make up the difference in your pocket:
1. Get $50 in Gift Cards for Grocery Only
We bet $50 will make a difference to your next splurge, right? Well, a free app called Fetch Rewards will reward you with gift cards just for purchasing toilet paper and more than 250 other items at the grocery store. Right now, it’s offering shoppers a $10 gift card when they spend $30 on dozens of Unilever products at the grocery store. You can do this five times, or up to $50.
Here’s how it works: After you’ve downloaded the app, just search for products labeled Unilever “U.” Then take a picture of your receipt showing that you purchased an item from one of the participating brands. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.
You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have them, so they must be onto something.
2. Make a small savings account just to splurge on money
In this way, you can steadily save money for your guilty pleasure, your heart’s true desire. Create a category just to brag and let it build up over time.
Maybe you’re just looking for a place to store your money safely – but still make money. Under your mattress or in a safe you will get nothing. A typical savings account won’t do you much good. (Ahem, 0.05% is nothing these days).
But a debit card called Aspiration lets you earn up to 5% cashback and up to 16 times the average interest on the money in your account.
Not too shabby!
Enter your email address here for a free Aspiration Spend and Save account. After confirming your email, link your bank account securely so they can start helping you get extra money. Your money is FDIC insured and they use military grade encryption, which is the nerd talk of “it’s totally safe”.
3. How to win the $25K jackpot – just to save your own money
Here’s another way to look at saving for splurge: If you combine the thrill of a potential money-swimming pool like Scrooge McDuck with your seriousness about saving, you’ll end up with a PrizePool bank account.
So how does PrizePool work, exactly? When you download the free app, you will connect your existing bank account and make a deposit. Plaid, a Visa company, is used to ensure that your information is safe and secure.
Here’s the fun part: Every day, Prize Pool gives you an entry ticket for every dollar you have in your account. So if you have $100 in your account every day in October, you’ll get 3,100 tickets.
Then, on the 1st of each month, PrizePool enters your tickets into the monthly draw. (The more tickets you have, the higher your chances of winning!)
You can win any amount – from $2 to $25,000. It awards a total of $50,000 in cash prizes. all. Not connected. Month.
Unlike Powerball tickets where you keep trying your luck, there is no subscription or fee. If you are 18 or over and live in the US, this is just a safe place to grow your money for free. If you download the app and deposit today, you can instantly increase your odds of winning this month’s $25,000 jackpot.
4. Make sure you don’t overpay for something else
To get closer to your splurge, it’s best not to overpay for some other purchase – no matter what.
Wouldn’t it be nice if you got an alert when you’re shopping online at Target and about to overpay? That’s exactly what this free service does.
Simply add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay, and others to see if your item is available at a cheaper rate. Plus, you can get coupon codes, set up price drop alerts, and even see an item’s price history.
Let’s say you’re shopping for a new TV, and assume you’ve found the best price. Here you will get a popup letting you know if this exact TV is available elsewhere at a cheaper rate. If there are any coupon codes available, they will also be automatically applied to your order.
Last year, this saved people $160 million.
You can get started with a few clicks to see if you are overpaying online.
5. Get $540 a year of car insurance in minutes
Speaking of overpaying for things, when was the last time you checked car insurance rates? Paying less mandatory bills like this will bring you closer to your splurge.
You should shop your options every six months or so – it might save you some serious money. Let’s be real, though. This is probably not the first thing you think of when you wake up. But it doesn’t have to be.
The website called Insure makes it very easy to compare car insurance rates. All you have to do is enter your zip code and age, and it will show you your options – and even discounts in your area.
With Insure, people saved an average of $540 per year.
Yes. That might be $500 in your pocket just to take a few minutes to consider your options.
Come on, what’s your next bragging?
What do you like?
There must be something. Whatever the case, following these five tips will get you closer to it.
Mike Brasfield ([email protected]) is a featured writer for The Penny Hoarder. craves.