#best cashback credit cards

[netincomesource]

FintechZoom Best Travel Credit Cards for 2025: Top Picks Revealed

Discover FintechZoom best travel credit cards for 2025, featuring top picks that maximize rewards and benefits for every traveler. Travel credit cards are a game-changer for frequent travelers. The fintechzoom cards stand out for their unique benefits. right credit card can enhance your travel experience significantly.y offer exclusive perks like travel rewards, cash back, and peace of mind…

[s-sania]

Unlock the power of savings with the best cashback credit card in UAE, curated by Soulwallet. Our platform provides comprehensive comparisons of top cashback cards, detailing key features like reward rates, cashback limits, and bonus categories. Whether you’re looking to save on groceries, dining, or travel, Soulwallet helps you find a card that maximizes your cashback earnings. With expert reviews and up-to-date information, choosing the best cashback credit card in the UAE is simple and hassle-free. Start earning more on every purchase with Soulwallet’s expert guidance today. https://www.soulwallet.com/credit-cards-uae/cashback-credit-cards

[creditcardzy]

Maximize Savings with the Best Cashback Credit Card USA by Credit Cardzy

Experience unmatched savings with Credit Cardzy, featuring the best cashback credit card USA has to offer. Benefit from high cashback percentages, no annual fees, and special bonuses on your favorite categories. With Credit Cardzy, your everyday expenses turn into lucrative rewards, giving you more value for your money.

[ellcrys]

me flipping through 3 costco coupon books marking down everything i want: i fucking love costco

[debitcardforstudents]

How Does Cashback Rewards Work?

Cashback is one of the most sought-after perks for credit and debit cards. Many banks and lenders offer cashback rewards in some form. It's becoming so popular that many use these rewards to gain a competitive edge. As a result, you can easily shop around and find the best program for you.

But how does cashback work?

Cashback 101

The best way to look at cashback rewards is to think of them as a more modern version of old-school rebate programs. You pay full price for your items using your cashback debit card or credit card as you normally would. But for every qualifying purchase, you receive a small percentage of the purchase price as a refund.

It's a simple concept, and you can usually earn cashback quickly. Banks and card providers reward them at the end of every statement cycle. Some even provide cashback on qualified purchases weekly or daily!

Qualified Purchases and Spending Categories

So, what purchases are eligible for cashback rewards? Well, that depends on your bank. Here's where cashback programs can vary.

Generally, your provider will restrict what types of purchases count towards the rewards program. For example, some banks limit cashback to dining or entertainment expenses. Others provide it for fuel or groceries. Some provide cashback for multiple spending categories, but how much you can earn varies.

You may also see rewards programs that offer extra cashback for purchases with specific partners. Many providers have rolling spending categories and extra-earning opportunities, giving you new ways to earn every few weeks.

How Much Cashback Can You Earn?

There are many different types of cashback debit card and credit card options. More exclusive cards typically provide higher cashback rates. Some of the best offer up to 5 percent on qualifying purchases!

You can also find cards that offer cashback on every purchase. However, the rate is often lower when there are no specific spending categories to worry about.

Providers can reward cashback in a couple of different ways. They may come as points that you can redeem for travel or prizes. Others treat cashback as refunds that go back into your account.

Read a similar article about debit card for building credit here at this page.

[anbuselvi1]

Top 10 cashback sites .. and the most famous

How to earn cashback sites

Top 9 cashback sites .. and the most famous If you want to buy a specific commodity online or register for a financial product, instead of going directly, you can click on the name of the company via the cashback site and you will get paid for this, and the amounts range from a few for groceries, for example, to rather large amounts in Some, mobile phone or broadband contracts. You have to…

[bitchesgetriches]

Hi. It's been a year since I got my first credit card and Its probably really overdue to get another one, but I'm having a hard time figuring out what card would be best for me. I don't have bills or food to paid being I live at home or gas cause I don't have a car. All my shopping is online. I have Discover It as my first card, which I get /some/ cashback but not really cause my purchases are never in those categories they choose. Is there a good card for online shopping that has good cashback? I don't travel so I don't need to try getting points for that, but I'm honestly not sure if points are only for flying? Are there cards that get rewards points and they can cash them out for other things or am I mistaken? Anyways I don't what card to get please help

"It's been a year since I got my first credit card and Its probably really overdue to get another one" 🚩🚩🚩🚩

My darling child: unless you have a very specific reason for getting an additional credit card, you are NOT overdue for a new one.

Credit cards are useful tools when used responsibly and strategically. But they also come with risks. For one thing: opening multiple lines of credit in quick succession can damage your credit score.

I recommend you follow the advice in the articles below to research a few alternative credit cards. If one fits your needs better than your current card, go ahead and apply. Otherwise keep using your current card until you find a good reason to get another one.

A Hand-holding Guide To Getting Your First Credit Card 

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards 

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[saber-monet]

To Manifest more money, get more specific.

Here are a FEW( there’s nearly infinite ways, don’t close yourself off!) ways one can receive money

Treat it like Pokémon and collect them all lol

1. Salary/wages: Regular income earned from employment self/employment.

2. Investment returns: Profits gained from investments such as stocks, bonds, or real estate.

3. Inheritance: Money or assets received from a relative or benefactor.

4. Grants: Funds awarded by organizations or institutions for specific purposes, such as research or education.

5. Loan repayment: Money received when someone pays back a loan that was previously provided.

6. Dividends: Payments made to shareholders from the profits of a corporation.

7. Royalties: Payments received by creators for the use of their intellectual property, such as books, music, or inventions.

8. Tips: Additional money given as appreciation for services rendered, typically in industries like hospitality or personal services.

9. Rebates: Refunds or discounts given after a purchase, often as an incentive or promotion.

10. Alimony/child support: Regular payments made to a former spouse or partner for financial support.

11. Found money: Money discovered unexpectedly, such as in lost or forgotten accounts, or on the ground.

12. Lottery winnings: Prizes won through games of chance like lotteries or scratch-off tickets.

13. Refunds: Money returned to a consumer after returning a product or canceling a service.

14. Sponsorship: Funds provided by companies or individuals to support a person or organization in exchange for advertising or promotion.

15. Crowdfunding: Money raised from a large number of people, typically through online platforms, to support a project, cause, or individual.

16. Cashback rewards: Money returned to a consumer as a percentage of their purchases, often offered by credit card companies or retailers.

17. Scholarships: Funds awarded to students to help cover the costs of education, typically based on academic achievement, financial need, or other criteria.

18. Patronage: Financial support given by individuals or organizations to artists, writers, or other creatives to fund their work or projects.

19. Rental income: Money earned from leasing or renting out property or assets, such as real estate, vehicles, or equipment.

20. Contest winnings: Prizes awarded for winning competitions or contests, which may include cash or other rewards.

21. Side hustle earnings: Additional income earned from part-time or freelance work outside of one's primary job.

22. Government benefits: Financial assistance provided by the government to eligible individuals or families, such as unemployment benefits, social security, or welfare.

23. Referral bonuses: Money received for referring new customers or clients to a business or service.

24. Stock options: Compensation provided to employees in the form of company stock, often as part of their overall compensation package.

25. Affiliate marketing commissions: Money earned through promoting and selling products or services for companies as an affiliate marketer.

26. Consulting fees: Payments received for providing expert advice or services to clients or businesses.

27. Trust distributions: Money distributed to beneficiaries from a trust fund, typically according to the terms outlined in the trust agreement.

28. Liquidation proceeds: Money received from selling off assets, such as stocks, bonds, or property.

29. Cash gifts: Money given by friends, family, or acquaintances as a gesture of goodwill, celebration, or support.

30. Insurance payouts: Money received from insurance companies to cover losses, damages, or expenses incurred due to accidents, disasters, or other covered events.

Focus on the ones that fits your self concept the best, for the best results. 

[illumtori]

Maximizing Credit Card Use for Financial Goals

Welcome back to our series on credit cards and personal finance! In the previous article, we explored the fundamentals of responsible credit card use and how to choose the right card for your needs. Now, we’re diving deeper into credit cards to help you leverage them for your financial goals. Whether you’re looking to build credit, earn rewards, or manage your expenses more effectively, this article is your guide to getting the most out of your plastic companion.

Have you ever wondered how to turn your credit card into a powerful tool for achieving financial success? The answer lies in strategic and responsible credit card usage. Let’s explore how you can leverage your card for various financial goals.

Building and Improving Credit with Credit Cards

Building and improving your credit score is like laying a strong foundation for your financial future. Your credit score influences the interest rates you’ll receive on loans and credit cards, affecting your ability to buy a home, finance a car, or even secure a job. Your credit card can be a key player in building and improving your credit score. By using it responsibly through making on-time payments and keeping balances low, you establish a positive credit history. If you’re new to credit or rebuilding your score, consider secured credit cards or credit builder loans to get started.

Here’s how to use your credit card to boost your creditworthiness:

Responsible Credit Card Use

The foundation of a good credit score is responsible credit card usage. Pay your credit card bills on time, every time. Timely payments contribute significantly to your payment history, one of the most crucial factors in your credit score. Set up automatic payments to ensure you never miss a due date.

Keep Balances Low

High credit card balances relative to your credit limit can negatively impact your credit score. Aim to keep your credit utilization ratio below 30%. For example, if your credit limit is $10,000, try to maintain a balance of $3,000 or less. This shows lenders that you’re responsible with credit.

Diversify Your Credit Mix

A mix of credit types can also work in your favor. In addition to credit cards, consider having installment loans (e.g., a car loan) in your credit history. A diverse mix demonstrates your ability to manage various types of credit.

Avoid Opening Too Many Accounts at Once

Each time you apply for credit, it results in a hard inquiry on your credit report, which can temporarily lower your score. Be selective when opening new credit card accounts and avoid a flurry of applications in a short period.

By mastering these credit-building strategies, you’ll not only elevate your credit score but also enhance your financial standing. A strong credit profile opens doors to better financial opportunities and lower borrowing costs.

Earning Rewards and Cashback with Credit Cards

One of the most enticing aspects of credit card ownership is the potential to earn rewards or cashback on your spending. Who doesn’t love the idea of being rewarded for their spending? To make the most of this, select a credit card that aligns with your spending habits. If you’re a frequent traveler, a travel rewards card might be the best option. For everyday expenses, cashback cards can put money back in your pocket. Additionally, keep an eye out for sign-up bonuses — these can provide a significant boost to your rewards balance. By leveraging your credit card for these purposes, you’re not only working towards your financial goals but also getting the most out of your credit card’s potential.

Credit cards offer an array of rewards, from cashback on everyday purchases to travel points that can whisk you away on exciting adventures. Let’s explore how to make the most of these perks:

Match Rewards to Your Lifestyle

The key to maximizing rewards is to match the right card to your lifestyle. If you’re a frequent traveler, consider a travel rewards card that offers bonus miles or hotel stays. For those who prefer simplicity, cashback cards provide straightforward rewards on everyday spending.

Sign-Up Bonuses

Don’t underestimate the power of sign-up bonuses. Many credit cards offer substantial bonuses when you meet a minimum spending requirement within the first few months. These bonuses can kickstart your rewards earnings.

Strategic Spending

Take a close look at your spending habits and leverage cards that offer the most rewards in your primary spending categories. For instance, if you spend heavily on groceries, choose a card with a high cashback rate in that category.

Supplementary Benefits

Beyond rewards, credit cards often come with supplementary benefits like purchase protection, extended warranties, rental car insurance, and airport lounge access. Familiarize yourself with these perks and use them to your advantage.

Remember, the key to successful rewards earning is to pay your credit card balance in full each month. Carrying a balance and incurring interest can quickly negate the value of your rewards.

Taking Advantage of Interest-Free Periods

Credit cards often come an interest-free period on purchases which is an enticing feature. During this period, you can make purchases without incurring any interest charges, provided you pay the balance in full by the due date. Here’s how to make the most of this perk:

Planned Purchases

If you have significant expenses on the horizon, such as home improvements or medical bills, consider using a credit card with a 0% APR introductory offer on purchases. This allows you to spread the cost over several months without accruing interest, making larger expenses more manageable.

Balance Transfers

Some credit cards also offer 0% APR introductory periods on balance transfers. If you have existing credit card debt with high-interest rates, transferring it to a card with a 0% APR can save you money on interest and help you pay down the debt faster.

Responsible Payment

While the interest-free period provides breathing room, remember that it’s crucial to pay off the balance before the promotional period ends. Missing this deadline can result in retroactive interest charges, which can be financially burdensome.

Automating Payments and Savings

Automation is a powerful ally in managing your credit card accounts and financial goals:

Auto-Pay Minimum

To avoid late fees and penalties, set up automatic payments to cover at least the minimum payment due each month. This ensures that you never miss a payment deadline.

Auto-Pay Full Balance

For optimal financial practice, consider setting up auto-pay to cover the full credit card balance each month. By doing so, you avoid interest charges altogether, and your credit score benefits from consistent, on-time payments.

Auto-Transfer to Savings

If your credit card rewards come in the form of cashback, consider automating transfers of your earnings into a savings account or towards specific financial goals. This effortless saving can gradually help you achieve your financial goals.

Maintaining a Low Credit Utilization Ratio

Your credit utilization ratio, which is the percentage of your available credit you’re using, plays a significant role in your credit score. Keeping this ratio low can positively impact your creditworthiness:

Pay Balances in Full

Aim to pay your credit card balances in full each month. By doing so, you not only avoid interest charges but also maintain a low credit utilization ratio.

Request Credit Limit Increases

If you’ve been a responsible credit card user, consider requesting a credit limit increase from your card issuer. A higher credit limit can automatically reduce your utilization ratio if you don’t increase your spending.

Monitor Credit Utilization

Regularly monitor your credit utilization ratio and make adjustments as needed. If you notice your ratio creeping up, consider reducing your credit card spending or making an extra payment mid-cycle to keep it in check.

By implementing these strategies, you’ll not only maximize the benefits of your credit cards but also strengthen your financial foundation. These practices promote responsible credit card use and financial discipline, essential elements of long-term financial success.

Conclusion

In this article, we’ve explored credit card strategies that can help you achieve your financial goals. From building and improving credit to earning rewards and leveraging interest-free periods, each strategy is a valuable tool in your financial toolkit. Remember that responsible credit card use is key to reaping the benefits while avoiding common pitfalls. In the next article, we will look into even more advanced credit card techniques and explore how to take your financial journey to the next level. Stay tuned for our continued exploration of credit card mastery and financial success!

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[mangoesforlyfe]

Credit cards and Savings accounts 101

Hi!

Welcome to my blog post discussing how to arrange your financials as an early 20 something year old. We are going to go over credit cards, and savings accounts. 

~This is entirely dependent on your lifestyle, too. I am someone who spends a lot on restaurants, rent, and groceries. I travel, but not constantly and when I do, it's usually with Spirit. That’s why I don’t have a credit card for traveling (more on this under the Travel section down). I haven’t done any travel credit card research. So if you’re a travel girlie, do everything I’m telling you below, and then add on a nice travel credit card after consulting www.nerdwallet or something. They will summarize the good ones on the market for you. 

Keep reading! ~

Credit cards are really cool because it's a win-win situation for both you and the bank. 

>It’s really fantastic for you since you get a lot of protection every time you buy something (if there’s a problem or scam, you can dispute the charge rather than trying to get your money back as with a debit card which is so much harder). 

>You also of course get free money in the form of cashback, random benefits specific to each card, and can build your credit score.

[Credit scores can seem really shady but it's honestly an actually smart way humans in finance have managed to quantify a person’s “trustworthiness”. It sounds really dumb but banks need it to figure out who to loan their money to. Especially if you’re trying to buy a house and can’t come up with all the cash instantly. I foresee myself renting til the end of time so I don’t care too much about the house but credit scores can also help you get accepted for some of those really nice, more exclusive credit cards out there 0.0). The downside is that they’re really hard to build up (takes so many years) and can go down unbelievably easily like for missing one payment on your credit card.]

How do the banks benefit from the credit card system?

They earn transaction fees from the merchant (that’s why some smaller businesses sometimes prefer to be paid in cash), and depend on you forgetting to pay or giving into the allure of the credit card limit and maxing out. That’s when the fees and interest rates become astronomical.

SO,

Lesson 1: Do not forget to pay your bill each month! Set up Autopay a few days before the due date! Try to pay it off in full if you can! 

Lesson 2: If you remember to do these things, you will profit enormously from the whole shebang and can make the system work for you. It literally pays to be financially responsible. 

So, I currently have 4 credit cards. Discover Student, Citi Double Cash, Citi Custom Cash, and Bilt. 

Equally important, I have a Citi Accelerate Savings Account.

Since Citi has some of the best cards and savings accounts out there, I also made a checking account with Citi. 

In total I have:

Discover Student 

Citi Custom Cash

Citi Double Cash

Bilt

Citi Accelerate Savings

Citi Checking Account

Our goal is to get the highest amount of cashback that we can on every purchase that we do. 

Pro tip: 

I’ve found it helpful to write down which credit cards to use for which purchases in a sticky note in your wallet if you need help remembering. 

Spending Money:

Discover Student

This is a fabulous beginner card. It offers rotating categories for getting 5% cashback. This year, from January to March, you would get 5% back on Restaurants. Also, for the first year they double your cashback, so you get 10% back! That’s huge!! Every other miscellaneous purchase gets 1% back which is meh. They publish a yearly calendar with all the categories, and so for these three months, my sticky note said:

Restaurants: Use Discover card

Citi Custom Cash

This one also has rotating categories, but you choose the category that you want 5% back in. Since I was using Discover for restaurants, I chose groceries for this. Every other miscellaneous purchase gets 1% back which is meh. When Discover has a different category, like Gas Stations, that’s when I either pick restaurants for this or keep it at groceries, depending on what I’m spending more on. 

My sticky note said:

Groceries: Use Citi Custom Cash card

Bilt

This is (at the time) the only card on the market that offers points on rent! Woah! Which is especially crazy because, as the creator of Bilt said, “rent is your highest spending category each month”. It is because of that precise reason that basically every credit card avoids paying rent and charges such an annoyingly high percentage for using your credit card to pay rent online. They don’t want to shell out 20 bucks a month for your 1k rent charge. Bilt gives you 1x points for each dollar you pay in rent. You can redeem these points in either cash (the lowest redemption rate) or in airline or hotel points (a higher redemption rate). I’m saving mine up for miles but even if you cash out, it's still not a rate to scoff at. Plus you don’t have to pay a credit card charge if you use their card which is bananas!

My sticky note said:

Rent: Use Citi Double Cash card

Citi Double Cash

This has to be my favorite. It was my first one and I used it for everything. Now that I have my restaurants, groceries, and rent covered, I use this as a net for all my other purchases. The Urban Outfitters planter, or a Target run, etc. You also can’t use the category cards for big stores like Walmart or Target (unless they specifically mention it) so this card is perfect for those. It gives 2% back for everything, which hella adds up. Now that you have all your bigger spending categories covered, Citi Double Cash comes in so absolutely clutch. 

My sticky note said:

Everything else: Use Citi Double Cash card

Travel

There are some great credit cards out there that allow you to earn airplane miles or hotel points with purchases, or give travel insurance if you book using that card (I have had to use that more than once!). I don’t have one yet, but that seems like the next step in life. I’ve heard Chase has some good ones, and of course googling the best travel cards on the market is always the easiest route.   

Keeping Money

Savings Account

Savings accounts have taken a complete 180 degree turn since a few years ago. Before, they would only give you a small percentage like 0.5% for the money you keep with them. That’s what your local credit union will give you. Now, there are accounts called High Yield Savings Accounts or HYSAs that give you anything from 4-5% back! Even if you have 200 dollars saved up, I would 10000% recommend opening one of these. It's the best place to store your money, and you can let it sit back and just let your money work for you. I have the Citi Accelerate Savings Account that gives me 4.47% right now, one of the highest on the market. There are some cards that match that interest rate or slightly higher but since I have 2 Citi cards already, I find it easiest just to have this one since everything can be in the same dashboard and it's easier to transfer money. 

(https://www.citi.com/banking/savings-account) 

Checking Accounts

This is just a basic account where usually people deposit their money from their jobs, and pay off their credit cards, utilities, etc., with. I have a Citi Checking Account because I’m integrated in their ecosystem and it's the easiest, but mine doesn’t earn any interest on money. This was previously unheard of but some checking accounts nowadays earn interest for you! The future is now. O.o

That’s all folks!

All of this is friendly advice. Even if you don’t go with any of these cards, I hope you get the idea of how to sit down, look at your spending categories, look at the cards available on the market, and play a little matching game to pair each category to each card. 

Once again, I’m underlining the importance of having a HYSA asap rather than letting your money sit in a checking account, because that’s free money on it each month! Try to avoid opening a bunch of credit cards all at the same time because that will hit your credit score (once again, opening the HYSA won’t though). 

It took me about four years starting as a freshman in college to get all four of these credit cards. Companies frown at opening more than 5 in 24 months (Chase’s secret 5/24 rule) but you can start with at least the Citi Double Cash one if not more. As always, you can come to me with any questions!

Xoxo,

mangoesforlyfe

[netincomesource]

RBC Cash Back MasterCard 2024: pros and cons

The RBC Cash Back MasterCard stands out as a prime choice for individuals aiming to maximize their cash-back rewards on everyday purchases. RBC is a major Canadian bank, and their credit cards are popular. But are their no-fee cards actually good? This article will explore the RBC Cash Back MasterCard’s that offer rewards and compare them to other options. Key Features of the RBC Cash Back…

[s-sania]

Find the Best Cashback Credit Card in UAE with Soulwallet

Unlock the power of savings with the best cashback credit card in UAE, curated by Soulwallet. Our platform provides comprehensive comparisons of top cashback cards, detailing key features like reward rates, cashback limits, and bonus categories. Whether you’re looking to save on groceries, dining, or travel, Soulwallet helps you find a card that maximizes your cashback earnings. With expert reviews and up-to-date information, choosing the best cashback credit card in the UAE is simple and hassle-free. Start earning more on every purchase with Soulwallet’s expert guidance today. https://www.soulwallet.com/credit-cards-uae/cashback-credit-cards

[1eos]

I’m thinking of getting a secret credit card because shit is actually getting too wild for me to have no credit 👀 do you have any tips?

honestly i love my secret credit card she came in clutch when i had to get my wisdom teeth out. im no financial whiz so def supplement this info w your own research

ask your same aged friends + maybe look around some reddit threads on whats a good apr for a card. i have no idea what's good honestly i could be getting ripped off but i didnt want the hassle i just went w the bank i have my checking acct with LFOAGKLAGK

if u just wanna build credit ppl get gas or small things and pay it off in full at the end of the month. and if ur card gives u points for purchases u can get points and turn it into cashback or gift cards and build credit

if u use your card for big purchases/emergencies as long as you pay your monthly amount your credit score will go up or stay the same

that being said its *best* practice to have like...only 10% of your max amount on the card but like? who does that lol

research to see if your bank/card has payment plans which means they'll give u a set amount to pay every month with a fee included with no interest charged which often times saves u money bc interest can be a bitch

oh also on that a lot of cards have it where u can do that for medical bills which is handy thats something else to look up!

and this is like...common sense but just as a rule of thumb don't put frivolous shit on your card you'd never have the money to pay off.....................which is what im telling myself so i dont buy $1000 renaissance tickets lol

[joespiral]

2023 Goals - February 1 Check In

January 1 Post

Fitness:

Weigh 150 Pounds

Starting: 200.6

Current: 191.4

I am really happy with this progress. This past weekend we had company over and I ate kind of poorly, but I didn't gain any weight. I am not looking to make any big changes in February.

Run 1000 miles

January - 57.5

A little bit less than I would have liked, but pretty good. Not quite on pace for 1000 miles, but I do expect my weekly mileage to increase as my fitness improves. I think if I stay consistent with running but fall short of the 1000 miles I will still feel like it is a win.

Run at least 2 half marathons

There's one in May that I want to do. There is a local one in April (you can actually see the route from my back yard) but it is point to point with a loss of elevation. I don't know how I feel about doing a "downhill" race, it seems like cheating. I probably wouldn't count a PR if I got one.

1:45 half marathon

I have not worked on speed at all yet. If this happens it will probably be in the fall

Lift Weights

I could not really find time to lift weights all at once this month. I did start picking one exercise and just doing it as I found time during the day. Like if I picked pull ups I would just do pullups every time I passed my pullup bar that day. This has gone ok. I do wish I had time during lunch or something to run to the gym and lift.

Climb the tallest mountain in my state

Won't happen until the summer. The mountains are covered in ice right now. My wife hasn't climbed a mountain before so she is a little anxious about this. We're going to climb some smaller mountains first to get confident. We've been doing some mostly flat hikes during the winter.

Finance/Work

Zero credit card debt.  

Starting: $16,342.43

Current: $14,335.91

I have two credit cards. Credit card A gets 1.5% cashback and I need to pay it off completely every month or else I will get charged interest. Credit card B gets 2% cash back but has a 0% interest rate until May. Right now I am putting all my expenses on card A, and paying it off each month. Credit card B I am paying about 500 each month to stay current. I am not using B, but my wife uses it. Right now A has 3006.61 and B has 11329.30. I am sitting on about 16,000 in cash so I could pay off both cards, but I don't think it is a good idea right now. My company had a round of layoffs, and the CEO basically said that there would be more this year. I get paid every two weeks, so in January I had two pay checks, and Feb will be the same. The first pay check I will use to completely pay off A. The second I will use to pay my mortgage and to pay $500 towards B. I save the rest of the cash. I know this is 100% "optimal" but I'm doing these goals for peace of mind, and this is the way that gives me the most peace of mind. I really feel like I can get laid off any time so this could easily change. If I make it to the end of March still employed I think we will be in great shape. March is a month where I get paid three times, and if we're doing bonuses I will get a bonus payout then as well. I am also expecting us to get a large tax return this year. Overall I think this is going fine, but I wish there was more certainty around my job.

Get at least "Meets all Expectations" as my 2023 work rating

Get promoted at work

A lot of uncertainty around my job right now. I do have some metrics that I'm trying to hit, but I think there are big changes coming. Right now I am just trying to do my best and survive. If I am still employed in March I will explain the metrics I am trying to achieve. I think if I make it to the end of the year at the same company it would be a great accomplishment but also kind of lucky.

Other

Get the house clean enough

We got the downstairs of the house quite clean because we had company over this past weekend. I have a project going on in the upstairs bathroom that is about half way done (honestly I have been procrastinating because I am worried that I will screw it up). The basement is probably the biggest push this year, I put some work in there but it is truly trashed. My office needs some tidying.

Go on at least one date/road trip every week

We did this for sure. I don't think I'm really going to track this moving forward, it is really our default to do these things. I think I was just feeling like my wife and I weren't getting enough quality time because it was the holidays and we were spending all our time running between our families.

Summary

Overall I am pleased with how January went. I hope to build on it in February.

[buygoodsales]

How to Get the Best Deals on Products .The Ultimate Guide to Buying Products on Sale .

Know before Buying Products on Sales.

Buying products on sale is a great way to save money. But with so many sales and discounts available, it can be difficult to know where to start. Here is an ultimate guide to help you find the best deals on products and save money.

Best deals on products Seasonal sales

Many retailers offer discounts on seasonal items during the off-season. For example, you can find great deals on winter clothes in the spring and summer. and also Holidays like Black Friday and Cyber Monday are a great time to find deals on a variety of products. Retailers often have clearance sales to get rid of excess inventory. This is a great way to find deals on discontinued items or last-season styles. and  Outlet stores sell discounted merchandise from brand-name retailers. This is a great place to find deals on name-brand products.

Second-hand stores sell used items, including clothes, furniture, and electronics. This is a great place to find deals on gently-used items. Buying products on sale .

Do your research: Before you buy anything, do your research to find out the fair market value of the product. This will help you avoid overpaying. check price on the online platform like Amazon , Flipkart and all . Because to know the price difference from offline retailer and online platform so that you can compare the best product at good price .

Use price comparison tools: There are a number of websites and apps that allow you to compare prices from different retailers. This is a great way to make sure you're getting the best deal. There are many number of the tools which give You the best Analytics graph of price difference so that people can check the price up and down on that product in the online platforms because they want to give you the best .

Sign up for retailer newsletters: Many retailers offer email newsletters that notify you of sales and promotions. This is a great way to stay up-to-date on the latest deals. Here one thing you can also do is giving your Mobile number if you know them or trust them because through this they can send you the message of offers and high sales and Seasonal discount on the each product which help you to reduce the time of research .

Use coupons and promo codes: Many retailers offer coupons and promo codes that can save you money on your purchase. Be sure to check for these before you checkout. Uncover a treasure trove of savings through coupons and promotional codes. Retailers frequently provide these codes, translating into significant price reductions when applied during checkout. Remember to scout for these virtual keys to savings.

Shop around: Don't just buy from the first retailer you see. Compare prices from different stores to make sure you're getting the best deal.

Negotiate: If you're buying a big-ticket item, don't be afraid to negotiate the price. Many retailers are willing to negotiate, especially if you're a loyal customer and Embarking on a significant purchase journey? Don't hesitate to flex your negotiation muscles. Retailers often respond favorably, particularly when dealing with loyal customers. Your prowess in negotiation can unveil hidden discounts.

How to get discounts

Be a loyal customer: Many retailers offer discounts to loyal customers. Sign up for their loyalty program and start earning points or rewards . and Forge a digital connection with your preferred retailers on social media platforms. Their posts often unveil hidden gems – sales and promotions that would otherwise remain concealed. Stay effortlessly updated on the latest deals through these channels.

Use a credit card with cash back rewards: There are a number of credit cards that offer cash back rewards on your purchases. This can be a great way to earn money back on your shopping.

Shop with cashback websites: There are a number of websites that offer cashback rewards when you shop through their website. This is a great way to earn money back on your shopping.

Use a price drop protection service: There are a number of services that will refund you the difference if the price of an item drops within a certain period of time after you purchase it. This is a great way to ensure you're getting the best deal.

Shopping tips

Set a budget: Before you start shopping, set a budget and stick to it. This will help you avoid overspending.

Make a list: Before you go shopping, make a list of the items you need. This will help you stay focused and avoid impulse purchases.

Shop online: Online shopping can be a great way to find deals. Many retailers offer discounts and promotions on their websites.

Shop during off-peak times: Retailers are more likely to offer discounts during off-peak times, such as weekdays or during the off-season.

Conclusion

Embrace Timing Flexibility: Not all sales are born equal. The off-season and weekdays often play host to some of the most remarkable deals. Keep your shopping schedule versatile. Explore Every Avenue: The first option isn't necessarily the best. Allow yourself the luxury of exploring multiple retailers, comparing prices, and ensuring you're capturing the most favorable deal.

Seek Expert Advice: If the path to remarkable deals seems intricate, don't hesitate to seek assistance. Sales personnel possess a wealth of insights that can steer you toward the most lucrative deals. A simple question can lead you in the right direction .By following these tips, you can find the best deals on products and save money. So don't wait any longer, start shopping today!