Different and fun ways to save money

[Madelaine Amee]

I, personally, am sick to death of all this talk of FENNEY .... so let's have a discussion about MONEY .............

Sometime ago I read an article in the local paper about a woman of meager means who wanted to go on a cruise and she saved dollars and did it! So, without giving it too much thought, I started throwing dollar bills in a drawer, when my purse got too heavy I cleaned it out just keeping sufficient small change to go shopping and put the rest in a vase, then I started taking the quarters and saved them. Of course, I had to save pennies and now I have bags and bags of pennies.

Recently when I was bored I thought I would count my various money stashes. I could not believe it. I had saved dollar bills in the hundreds:a040: and change in the vase approaching $50:a040:. I use the quarters to purchase dish washing liquid 4 bottles at a time (I hate running out of anything essential), and it was painless. The bags of pennies went to the Sheriffs Ranch for their charity:clap2:. Now I am left wondering what I did with this money before I became a banker :)

So, you out there in TOTV land, do you stash away money in odd little ways because I'm looking for some new ways to save.

[paminix]

I, personally, am sick to death of all this talk of FENNEY .... so let's have a discussion about MONEY .............

Sometime ago I read an article in the local paper about a woman of meager means who wanted to go on a cruise and she saved dollars and did it! So, without giving it too much thought, I started throwing dollar bills in a drawer, when my purse got too heavy I cleaned it out just keeping sufficient small change to go shopping and put the rest in a vase, then I started taking the quarters and saved them. Of course, I had to save pennies and now I have bags and bags of pennies.

Recently when I was bored I thought I would count my various money stashes. I could not believe it. I had saved dollar bills in the hundreds:a040: and change in the vase approaching $50:a040:. I use the quarters to purchase dish washing liquid 4 bottles at a time (I hate running out of anything essential), and it was painless. The bags of pennies went to the Sheriffs Ranch for their charity:clap2:. Now I am left wondering what I did with this money before I became a banker :)

So, you out there in TOTV land, do you stash away money in odd little ways because I'm looking for some new ways to save.

For fun I am going to save $1 the first week of the year, $2 the second week, $3 the third week, etc. :icon_wink:

[graciegirl]

How we save money.

We reuse Christmas boxes and tissue. Some of our Christmas boxes are older than most of our doctors.

We do not charge anything that we do not pay for at the end of the month.

We do twofer's at Publix. I now have enough Hellmann's Mayonnaise for the next year.

We find yummy ways to eat leftovers.

We never live paycheck to paycheck. NEVER.

[rustyp]

We avoid trips to FENNEY. Saves gas money and wear and tear on the car. Also saves us the $3 fee to rent a golf cart since we can't get our own there.

[Pinball wizard]

And you avoid the Fenney toll plaza!
:jester:

[Toymeister]

I do visa with 3% back on everything (no categories) and I go on line and pay it off about six times a month. Never am I surprised that I have a high balance. Once a year I look to see how much I have.

I keep my cash is a passbook savings that yields 2% until I invest it.

It beats lugging change to the bank. I do totally get the concept of found money but 3% on everything is a great way to save.

[retiredguy123]

I do visa with 3% back on everything (no categories) and I go on line and pay it off about six times a month. Never am I surprised that I have a high balance. Once a year I look to see how much I have.

I keep my cash is a passbook savings that yields 2% until I invest it.

It beats lugging change to the bank. I do totally get the concept of found money but 3% on everything is a great way to save.
What VISA card gives 3 percent back? Is it cash back, or merchandise? My hero, Clark Howard, says that the Fidelity VISA card with 2 percent cash back is the best deal.

[Carla B]

We avoid trips to FENNEY. Saves gas money and wear and tear on the car. Also saves us the $3 fee to rent a golf cart since we can't get our own there.

That cracked me up!

[Carla B]

Sam's Mastercard gives 5% back on gasoline, 3% on travel and dining.

[retiredguy123]

Sam's Mastercard gives 5% back on gasoline, 3% on travel and dining.
What about everything else? Those expenses would account for less than 5 percent of my credit card spending.

[retiredguy123]

I do visa with 3% back on everything (no categories) and I go on line and pay it off about six times a month. Never am I surprised that I have a high balance. Once a year I look to see how much I have.

I keep my cash is a passbook savings that yields 2% until I invest it.

It beats lugging change to the bank. I do totally get the concept of found money but 3% on everything is a great way to save.
Please share the details on the 3 percent back VISA card. I have googled it to death and cannot find a VISA card that offers 3 percent back on everything (cash or otherwise) for any VISA credit card. The best VISA card I have found is the Fidelity Investments 2 percent cash back credit card.

[C4Boston]

Gee Rusty, we are sure going to miss you down here. LOL

[rjm1cc]

Please share the details on the 3 percent back VISA card. I have googled it to death and cannot find a VISA card that offers 3 percent back on everything (cash or otherwise) for any VISA credit card. The best VISA card I have found is the Fidelity Investments 2 percent cash back credit card.

Don't know of any 3% card. Bank America has one for 3, 2 and 1% depending on what you buy. Discover has a 5% on different quarterly items. Same for Chase Freedom. These are no fee cards. You might have to use a few cards but if you eat out you can find 5% cash back for some months. The discover will also give you gift certificates which means you get a little more than 5% back.

[rustyp]

77992Gee Rusty, we are sure going to miss you down here. LOL

Mutual my good friend. I promise to make a better effort to get there for the new year.

[Toymeister]

Please share the details on the 3 percent back VISA card. I have googled it to death and cannot find a VISA card that offers 3 percent back on everything (cash or otherwise) for any VISA credit card. The best VISA card I have found is the Fidelity Investments 2 percent cash back credit card.

Alliant Credit Union. The eighth largest credit union by assets in the country in 2018. Details of credit card, yes 3% CASH on everything, yes EVERYTHING. Fine print year one, no fee, year two fee of 59.00, cash back drops to 2.5%. Cash back is unlimited, there is no cap.

The field of membership includes anyone who donates five bucks to a foster care charity. 2% on savings, 100.00 deposit balances and up. The best part is how You can transfer money in and out of Alliant, even banks that make it difficult to transfer money out (pushing money) don't have an issue with you pulling money out to Alliant.

You are welcome.

[Toymeister]

What VISA card gives 3 percent back? Is it cash back, or merchandise? My hero, Clark Howard, says that the Fidelity VISA card with 2 percent cash back is the best deal.

Your hero did not read Nerd wallet "Best cash back card of 2018" or Bank Tracker "Best Credit Union of 2018" or Credit Cards Tracker "Best flat rate credit card of 2018" .

Call me cynical but is it possible that even Clark Howard, who I admire, is influenced by the affiliate fee that most credit cards offer if someone signs up using their link?

Edit to add this from Clark Howard's ad disclosure policy on his website. "We do however make money from links and offers from some companies and deals on our sites." And: "Clark does not include the entire universe of available credit or financial offers on our sites." He does say that: "While this helps us pay the bills, the trust that you have in us is our number one priority and always will be."

[tophcfa]

We put everything on our SouthWest credit card to get travel points. We fly back and forth between Orlando and Bradley airport with our points at least three times per year.

[Toymeister]

We put everything on our SouthWest credit card to get travel points. We fly back and forth between Orlando and Bradley airport with our points at least three times per year.

Here is a site that places a value on travel and airline tied credit cards. It places the value of the Southwest Rapid Rewards card at 1.5%. Good, but not great.


There might be special value for this type of card depending upon your situation. Cash is universal, so I prefer cash back cards.

What Are Points Miles Worth? January 2018 Monthly Valuations (https://thepointsguy.com/2018/01/january-2018-monthly-valuations/)

[Madelaine Amee]

Your hero did not read Nerd wallet "Best cash back card of 2018" or Bank Tracker "Best Credit Union of 2018" or Credit Cards Tracker "Best flat rate credit card of 2018" .

Call me cynical but is it possible that even Clark Howard, who I admire, is influenced by the affiliate fee that most credit cards offer if someone signs up using their link?

I started this thread on a whim because I was sick of all the trash talk about the new build areas, but I ended up getting some great info from you, thank you for posting.

"Best cash back card of 2019" Discover it® Cash Back Card :

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. Earn 5 % cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redeem cash back any amount, any time. Rewards never expire.Use your rewards at Amazon.com checkout.Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.No annual fee.

[Toymeister]

The issue with Discover or many similar cards is the 5% Cash Back is from a limited field of choices and it changes every month or quarter. Example for Discover: Grocery Stores from 1/1/19 to 3/31/19, on up to $1,500, Gas Stations Uber and Lyft April to June, and so on.

Some people make out very well keeping a variety of cards and using them for different classes of purchases each quarter.

But a limited field of high cash back classes for a limited amount (cap) is not a flat rate cash back credit card.

Nerd Wallet is like any other credit card rater, from their site: "So how do we make money? Our partners compensate us."

[Two Bills]

Wife and I always walk when we play golf.
Always used course pull cart at $1 each.
Purchased two carts at Marion Market $24 the pair.
Still have them, and use them, and now about $300 in front.
We spend a lot to stay here each year, flights, house and car rental etc. but I get a real kick out of saving those two bucks a round.
It's the little things in life that put the icing on the cake!!!!

[Madelaine Amee]

The issue with Discover or many similar cards is the 5% Cash Back is from a limited field of choices and it changes every month or quarter. Example for Discover: Grocery Stores from 1/1/19 to 3/31/19, on up to $1,500, Gas Stations Uber and Lyft April to June, and so on.

Some people make out very well keeping a variety of cards and using them for different classes of purchases each quarter.

But a limited field of high cash back classes for a limited amount (cap) is not a flat rate cash back credit card.

Nerd Wallet is like any other credit card rater, from their site: "So how do we make money? Our partners compensate us."

My husband is the real money person in our home and he immediately asked if I had checked on the changes over the months. I presume this information is available somewhere and I will have to investigate some more, but still great information. I will be reading your recommendation. Thanks.

[graciegirl]

Cut your own toenails.

If you can still easily reach them.

[tophcfa]

Here is a site that places a value on travel and airline tied credit cards. It places the value of the Southwest Rapid Rewards card at 1.5%. Good, but not great.


There might be special value for this type of card depending upon your situation. Cash is universal, so I prefer cash back cards.

What Are Points Miles Worth? January 2018 Monthly Valuations (https://thepointsguy.com/2018/01/january-2018-monthly-valuations/)

Agree that the Southwest card is good, but not great. We use it because Southwest (and to a lesser extent Jet Blue) has by far the most and best priced direct flights between Orlando and Bradley airports, which is the best flying option between our two homes.

[thetruth]

I do visa with 3% back on everything (no categories) and I go on line and pay it off about six times a month. Never am I surprised that I have a high balance. Once a year I look to see how much I have.

I keep my cash is a passbook savings that yields 2% until I invest it.

It beats lugging change to the bank. I do totally get the concept of found money but 3% on everything is a great way to save.

A friend used to own a retail store. Moving to Florida and being retired my taxes are far lower than they used to be. There was that old line about a cash business. My view if you make a dollar and pay 30% top tax rate on your money you are making seventy cents for every dollar you earn.

My friend pointed out that due to rebates few people pay CASH.
Also,the credit card fees that the retailer pays to the credit card companies if, I recall are like fifty cents per transaction plus 2% of the gross amount. Simple explanation why large stores such as Wallmart, Home Depo, Lowes all offer incentives for you to open an account with them and extra discounts if you use their card.

The stores must take credit cards because WE insist on using them. Due to contracts that the credit cards have the power to impose due to our insisting stores take them, stores cannot offer a lower CASH price and current contracts prevent the old system of minimum dollar amount of a sale to use a credit card.

Using a credit card to purchase in many cases gives the buyer additional power. You can dispute a charge-withhold payment-due to an issue without damaging your credit. You can change your mind on the purchase within 24 hours by using a credit card with no penalty.

I used the above power once in my life. Dispute with the moving company that took us to the villages. The dispute was for about $1500 bucks. Took months on withholding payment.
In the end I WON.

[Arctic Fox]

For fun I am going to save $1 the first week of the year, $2 the second week, $3 the third week, etc. :icon_wink:

You should try doubling it every week - after six months you'd have $67,108,863 and you could pay for us all to go on a cruise with you

[billethkid]

Citibank cash back Mastercard pays 2% on everything, no limit, no annual fee.

[ColdNoMore]

To save money, I dumpster-dive behind City Fire and Red Sauce.


No, not for the used food...that would be gross.


It's to hunt the rats that show up...so that I can BBQ them later.






:1rotfl:

[graciegirl]

Do your own housecleaning instead of spending money at the gym. Ditto ...do your own bush trimming and weeding. Don't buy expensive cuts of meat at the grocery. (First learn to cook). NO not by going to Spain and taking a course, by immersing yourself into Betty Crocker's Cook book.

If an able bodied person rises early and works hard, sooner or later the odds are he will be rich. At the very worst she will be in a better place than he/she was before.

[Arctic Fox]

We find yummy ways to eat leftovers.

Refusing to eat leftovers is such a wasteful habit.

They can (especially curries and chillies) taste better than the "original".

Time and energy is saved by cooking up a large batch and putting some aside - either in the fridge for the next day, or the freezer for much later.

[Tom C]

More DIY (or work trade within the community) rather than calling a contractor or fix-it guy.

In our neighborhood we have a guy who loves to mow lawns, we have a guy who knows a bit about car maintenance, we have a guy who can do easy plumbing fixes, same for electrical (simple, not complex stuff needing permits etc.) It is nice to have all this close by when something goes amiss at the worst time.

[raynan]

Always check retailmenot.com when purchasing from anywhere. Print coupons and online discount codes are there.
Steinmart online stacks coupon codes.
Coffee pods from Christmas tree shops online, wait for sale to stock up and use code shopnow for $4.95 shipping when free shipping over $59 is not offered.

[jebartle]

Go for the big bucks, save at least $100 a month by streaming with firestick, and the bonus your giving comcast the "finger", love that!

[CWGUY]

Go for the big bucks, save at least $100 a month by streaming with firestick, and the bonus your giving comcast the "finger", love that!

:faint::1rotfl:

[lem001]

For fun I am going to save $1 the first week of the year, $2 the second week, $3 the third week, etc. :icon_wink:
good idea - in one year (52 weeks) you'll have $1378

[pdp07]

I have an old 5 gallon glass water dispenser bottle that I dump my loose change in. The last time it was full, it was just over $1900.00 so we enjoyed a nice vacation with it. Also when the grand kids came over, they had fun helping us count it all.

[lmtm74]

We have a huge jar that my husband and I throw change in. We empty it once a year or sometimes every 6 months depending how full it gets. Then we use the money for vacation. You do’t realize how much in change that you can save for a really nice vacation or treat yourself by splurging on something really nice.

[retiredguy123]

We have a huge jar that my husband and I throw change in. We empty it once a year or sometimes every 6 months depending how full it gets. Then we use the money for vacation. You do’t realize how much in change that you can save for a really nice vacation or treat yourself by splurging on something really nice.
I remember those days. But, now I use a single credit card for everything, except full service restaurants, and then I don't take any coins. So, my coin container is gone. I use a 2 percent cash back rewards card, but don't really do it for the money. However, a 500 dollar car insurance payment, for example, is worth 10 dollars in cash back rewards. You can use a credit card for the cable bill, lawn services, medical bills, and many other high dollar items.

[ColdNoMore]

Living rent-free, whether purposely or lucking into it inadvertently...is also a good way to save money.

[Fraugoofy]

1. Eat out less. Make better food at home.
2. Drink at home (cheaper)
3. Use coupons as much as possible. (Ibotta, Groupon, Google express)
4. Ditch cable tv
5. Ditch WI-FI.
6. Ditch land line
7. Travel during cheap season
8. Only buy what you need. Not what you want.
9. Shop estate sales, goodwill, garage sales.
10. Don't eat red meat.

Any/all of these will save you money...

Sent from my SM-N920R4 using Tapatalk

[New Englander]

Citibank cash back Mastercard pays 2% on everything, no limit, no annual fee.

That's the one I have and use. Love it!

[Nucky]

I do a whole lot of the things that have already been mentioned. I have always gotten a kick out of saving change each night when the day is done any dollar bills and coins go into a box. Usually about $500 a year. Nice to hand it over to the Grandchildren at Christmas.

A possibly unpopular decision that is being considered by me is quitting Sam's Club. The order ahead and pick up service is not as great as advertised, February 1st they were supposed to offer free car washes to all members who bought the $99 membership. It didn't happen. Do the math at 7 minutes a car its an impossibility to cover the people who would want to use the service. The money you may save on something during the year is taken away when electronics is your weakness.

Sam's did a great job with the checkout and has many strong points but the entire Enchilada for me doesn't add up. I'd rather go to one of the other great places we have to shop. I just saw what we spent there last year. It's not good. I won't leave unless Sam's Mrs. Nucky gives me the green light to do so but the savings with this move would be better than saving pocket change. Just a thought.

[thetruth]

You should try doubling it every week - after six months you'd have $67,108,863 and you could pay for us all to go on a cruise with you

Not even sure if that stuff is still made. Last time I saw it it was two cents. Talk about inflation. Last time I bought it it was a penny.

To the point, I remember one of those questions on the bottom of the comic. If, you saved a penny the first day and two cents the next, and three cents the next. What would you have at the end of the year. I don't recall how to figure it out any longer but the answer was over a million dollars.

Hum, since my allowance was twenty-five cents a week they never explained where the money would come from after five days.

[ColdNoMore]

Has anyone heard any rumors...about a Costco coming near here?


:1rotfl:



Although it certainly would not be good for my budget, if I had one...a nearby Costco would still be awesome. :thumbup:

[retiredguy123]

I have started to buy almost everything I can from Amazon. Their "prime pantry" section has free shipping on orders over 35 dollars, and I don't think you need to be a prime member. Everything they sell seems to be cheaper than the stores and it is delivered right to your door. Very convenient.

[ColdNoMore]

Not even sure if that stuff is still made. Last time I saw it it was two cents. Talk about inflation. Last time I bought it it was a penny.

To the point, I remember one of those questions on the bottom of the comic. If, you saved a penny the first day and two cents the next, and three cents the next. What would you have at the end of the year. I don't recall how to figure it out any longer but the answer was over a million dollars.

Hum, since my allowance was twenty-five cents a week they never explained where the money would come from after five days.

Ummm, not even close. :oops:


More like $667.95


Think of it this way, even on the last day of your yearly savings plan... you're only putting $3.65 in the cookie jar.

[OrangeBlossomBaby]

Always check retailmenot.com when purchasing from anywhere. Print coupons and online discount codes are there.
Steinmart online stacks coupon codes.
Coffee pods from Christmas tree shops online, wait for sale to stock up and use code shopnow for $4.95 shipping when free shipping over $59 is not offered.

Buying coffee pods on a regular basis is a HUGE waste of money, and the ones that aren't specifically marked as recyclable are a HUGE polluter. If you use a Keurig, you can buy a Keurig re-usable filter and fill it with your choice of coffees from bag or canister. You can then take some of the savings, and get a pound of local-roasted gourmet coffee of choice as a special treat (are there local roasters in or near the Villages? If not, there should be!).

My money saving ideas: I plan on growing my own tomatoes in a pot. We don't eat them every day, just a couple every week. I don't know how much they are where you all are, but up here the organic ones are $4.99/lb and the local hothouse tomatoes run $2.99/lb. By growing them myself, I can save over $200 per year - just on tomatoes.

I also grow my own oregano. I don't know how well that grows in Florida and I might have to swap it out for other regularly-used herbs. It's not a huge savings, but the difference in flavor between fresh, home-dried, and the stuff you get in little plastic bottles at the supermarket is profound. Plus, these herbs grow lovely flowers that attract honeybees and butterflies.

For saving actual physical money, I try to make a habit of this: whenever I spend cash, I don't do exact change or rounding up to the next nickle. If the total bill comes to $14.01 I'll give them $15 or a $20 bill, and take that 99 cents in change.

At the end of the day, all the change I've accumulated gets tossed in an oatmeal box. At the end of the year, I hand-roll the money with paper wrappers I get from my bank for free. The rolling is a project that takes a few days, a little here, a little there when I'm watching TV.

I usually have around $200 in wrapped coins every year. I spend them, just like you spend any other kind of money. But if something comes to $14.01, I give them a roll of quarters, two rolls of nickels, and a loose penny. It's "found money" and I just got $14.01 worth of somethingorother for "free."

[OrangeBlossomBaby]

Ummm, not even close. :oops:


More like $667.95


Think of it this way, even on the last day of your yearly savings plan... you're only putting $3.65 in the cookie jar.

That seems about right. Sum of integers 1 to n, with n=365 in this case. I can't remember the formula but after the first week, the sum of 1 to n would be 28 cents.

[retiredguy123]

For a year with 365 days:

365 ÷ 2 = 182.5
182.5 x 366 = 66795
66795 ÷ 100 = $667.95

The formula is (N/2)(first number + last number) = sum, where N is the number of consecutive integers.

[OrangeBlossomBaby]

Another one that I did: I found a hand-washing liquid that smelled nice and came in a pretty container at CVS. It was cheap, and bar soap on the bathroom sink just doesn't look very attractive. So I bought two bottles of it, and one "refill" bag of it. I also bought the biggest size dish-washing liquid containers of the brand I like. When one of the bottles was empty, I rinsed it out and put it in the kitchen, and filled it from the huge dishwashing liquid container. I keep the big one under the sink and replace it maybe once every 12-18 months when I run low. I wash the dishes by hand since you have to run the faucet to rinse them off and do your crusty omelet pans and crystal drinkware and gold-rimmed fine china anyway by hand, so I never saw any need for a dishwashing machine.

[Nucky]

I, personally, am sick to death of all this talk of FENNEY .... so let's have a discussion about MONEY .............

Sometime ago I read an article in the local paper about a woman of meager means who wanted to go on a cruise and she saved dollars and did it! So, without giving it too much thought, I started throwing dollar bills in a drawer, when my purse got too heavy I cleaned it out just keeping sufficient small change to go shopping and put the rest in a vase, then I started taking the quarters and saved them. Of course, I had to save pennies and now I have bags and bags of pennies.

Recently when I was bored I thought I would count my various money stashes. I could not believe it. I had saved dollar bills in the hundreds:a040: and change in the vase approaching $50:a040:. I use the quarters to purchase dish washing liquid 4 bottles at a time (I hate running out of anything essential), and it was painless. The bags of pennies went to the Sheriffs Ranch for their charity:clap2:. Now I am left wondering what I did with this money before I became a banker :)

So, you out there in TOTV land, do you stash away money in odd little ways because I'm looking for some new ways to save.

This Thread was just the boost I needed to leave Sams Club. It was not easy but the Savings will be Hugh.

I addressed my concerns about the errors they have made or incorrect things we had been told in the last six months and Crickets from the manager so I'm sorta glad they didn't try to save us at all. We did our last shopping trip through there and cancelled the Store Membership on the way out and cancelled the Credit Card through Synchrony when we got home. It's sad and a relief at the same time. What it was is a habit. And not a good habit either.

They had just raised our Credit Card Limit to a crazy level that was way too high. I never asked for that they just did it. Promising the Free Car Wash and backing off the offer was not good.

Selling stale desert items the day of the Superbowl wasn't cool either. Adios old friend. So many Nice People working there but its really all about The Benjamins.

Thank You for this Thread Madelaine Amee. :coolsmiley:

Almost forgot, opening Credit Cards to get $200 back when you spend $500 is great. Opening a Chase Savings & Checking account for a whole lot of money is great. I got $500 but I heard its less now. Never paid attention to any of this stuff before but we hear a lot of ways to save here at Boca Del Vista and its fun!

[Viperguy]

2.5% with USAA

[graciegirl]

Pay off all credit cards every month.

It is an amazing way to save money. If you cannot afford it today, you can't afford it.

If you need a loan for something big. Search hard for a valid lender with low rates and be wary of flexible rates and all the small print.

Pay off all credit cards every month. EVERY DAMN MONTH.

Save your money. Reuse. Recycle.

And about money in general, if you are successful in working and saving, be ready to have folks think it fell on you.

[BK001]

Pay off all credit cards every month.

It is an amazing way to save money. If you cannot afford it today, you can't afford it.

If you need a loan for something big. Search hard for a valid lender with low rates and be wary of flexible rates and all the small print.

Pay off all credit cards every month. EVERY DAMN MONTH.

Save your money. Reuse. Recycle.

Excellent Advice.

And about money in general, if you are successful in working and saving, be ready to have folks think it fell on you.

An interesting phenomena but sooo true.

[Tblue]

Cgilcrest, I have the USAA Visa card and get 1.5% back, was your 2.5% a typo, or do you truly get %2.5 and if so about how long have you been receiving the 2.5%?

[Toymeister]

Cgilcrest, I have the USAA Visa card and get 1.5% back, was your 2.5% a typo, or do you truly get %2.5 and if so about how long have you been receiving the 2.5%?
USAA does not offer a 2.5% cash back card. They have in the past but no longer do. For those that have one they can keep it. I called them and confirmed this. You can do that as well if you have any doubts

The best cash back card with no restrictions is Alliant CU at 3% (year one). At year two it's 2.5%. There are very few cards that offer 2.5%. Those that do usually discontinue the program for new applicants. There isn't much money to be made by a lender with that much no restrictions cash back.

[Two Bills]

Hair cut every three weeks when we first came here started at about $12-15 with tip.
When it got to $20 every three weeks, I went to Walmart and bought electric clippers for $16.
I put the No.2 on and shave it all over.
Must have saved over $1000 already.
I looked like s**t before, so no one noticed the difference! :ho:

[BK001]

I looked like s**t before, so no one noticed the difference! :ho:

Awww, I doubt that. And remember that great saying, "never say anything bad about yourself. There are too many others willing to do the job." :1rotfl: :1rotfl: :1rotfl:

[jebartle]

Hair cut every three weeks when we first came here started at about $12-15 with tip.
When it got to $20 every three weeks, I went to Walmart and bought electric clippers for $16.
I put the No.2 on and shave it all over.
Must have saved over $1000 already.
I looked like s**t before, so no one noticed the difference! :ho:

For more "hair cuts", go to Tenaj for deals every month. This month on feb. 14th, color shampoo and blow-dry, $14. Back home cost over $100.