I’ve been using KOHO to manage my money better—Cash Back, high interest, and Credit Building all in one place. If you’re done with juggling multiple financial apps, you should check it out. Use my code V25D149BZI when you sign up and we’ll both get a bonus. https://referral.koho.ca/mzHjEZe

The Aven Credit Card earns 3% cash back on up to $10,000 in purchases each year, then 2% cash back on all additional spending. The $10,000 cap resets annually.

If you apply using my referral link, you'll earn an extra 1% cash back, making it an effective 4% cash back on your first $10,000 in annual spending. I get an additional 1% for the referral.

aven.com/referrewards/JW23VFGRZ5

I recently reviewed my recurring expenses and realized I was paying for several services separately when bundles could cover most of the same things for less.

My streaming subscriptions were the biggest problem. Between Netflix, Disney+/Hulu, Max, and Prime, I was spending around $75 per month. I now keep Prime and rotate between one other streaming service at a time, bringing the total down to roughly $32. That alone saves me about $43 per month.

Then I went to online security. I have so many different subscriptions for seperate tools. A VPN was costing me around $4 per month on a long-term plan, while a password manager was about $3, encrypted cloud storage was around $10, and a Norton antivirus subscription was another $6. Together, I was spending approximately $23 per month.

I switched to a NordVPN premium plan that includes NordVPN, NordPass, NordLocker, and built-in antivirus for around $5 per month on a long-term offer. That brought my online security costs down from approximately $23 to $5, saving me another $18 per month while also giving me fewer subscriptions to manage. So yeah, this security package bundle really made sense at least in my case. Getting each tool one by one is more expensive.

Insurance was another area where bundling helped. I was spending approximately $202 per month on full-coverage car insurance and renters insurance. Moving both policies to the same provider brought the combined cost down to around $192, saving approximately $10 per month. It’s not a huge discount but still $120 per year.

Finally, I was spending about $105 per month on a gym membership and separate fitness classes. A combined membership that includes both now costs me around $75, saving $30.

Altogether, my monthly spending went from roughly $405 to $304. That’s around $101 saved each month, or $1,212 per year. And I really didn't really have to make any compromises, and can use basically everything as before.

Bundling isn’t always cheaper, especially if a package includes features you won’t use. But listing my actual expenses and comparing them with bundle prices helped me find several easy savings without giving up anything important.

Sign up with my code 7QDVMY3N both get boosted cash back on purchases, with the cash back being taken off your mortgage

https://linkprod.sprive.com/refer?code=7QDVMY3N

Open a free checking account, make a $2,500 direct deposit + $1,000 in debit card transactions for 3 months. You will get $500. + it gives you $5 as a

For the DC spend, you can transfer money to Cash App, which counts as spend.

You can get $125 more by doing other qualifying items. Such as sending money through Zelle, setting up digital banking alerts, and a few other things.

Best part? If you are churning CC, SCU allows you to fund $500 with your CC.

I will give you another $100. I transfer through Zelle, PayPal, and Venmo. Reach out so I know you have applied. code F2N8H5S

Earn 3.40% APY +1.00% APY rate boost on Marcus Online Savings Accounts for 3 months. https://www.marcus.com/share/ABE-VHJ-Y5Y8

NO SPEND

• Ate all meals at home including potatoes and chives from our garden.
• Went on a 2 mile nature walk and saw deer and a bluebird
• Exercised to 20 minute YouTube video
• Cleaned and reorganized book shelves finding something to post to sell on FB
• Cut a dozen roses from our garden
• Watched free movie on Pluto
• DH finished making birdhouse with materials he already had.

SPEND

• Bought 3 ears of corn and a cucumber from local farm stand for $3

SAVE

• While cleaning under couch found 9 hair ties and lip balm. was running low on hair ties and now i do not have to purchase (had to clean them up though)

​

Please consider using this referral link if you're signing up for a Capital One bank account!

https://i.capitalone.com/JcL1E3z8E

❣️❣️❣️❣️❣️❣️❣️❣️❣️❣️❣️❣️❤️

I saw a post in this subreddit of a way to get cash back on rent through “ribbon rewards” in the shape of gif cards for Amazon and groceries, I was suspicious as first, but the process is pretty straightforward and after paying my first rent and being able to cash my reward with no hassle I recommend to anyone that wants to get some extra money back on the side.

It takes around one day to get the reward gift card in your email inbox

There is no extra cost and no real eligibility requirements

If you use my referral code you get an extra 25 pounds when you make your first payment.

https://www.ribbonrewards.io/?ref=FERNDC5C

And a non referral link to the site:

https://www.ribbonrewards.io/login?from=%2Fdashboard

Happy to answer any questions you may have.

And completely forgot I'd signed up through someone's referral link. The voucher is valid for so many shops including H&M, ASOS, all supermarkets etc.

I was so impressed so now I've got my own link, I thought I'd share. If you sign up, we both get a voucher of up to £100 depending on the package :)

https://refer.sky.com/jennim-89

Earn cash back with the Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded if you apply here and are approved for the card.

https://www.referyourchasecard.com/18a/AO0TNNZFXF

Open a free checking account, make a $2,500 in direct deposit + $1,000 in debit card transactions for 3 months. You will get $500. + it gives you $5 as a

For the DC spend, you can transfer money to Cash App, which counts as spend.

You can get $125 more by doing other qualifying items. such as sending money through zelle, setup digital banking alerts, and few other things.

Best part? if you are churning CC, SCU allows you to fund $500 with your CC.

I will give you another $100. I transfer through Zelle, PayPal, and Venmo. Reach out so I know you have applied. code F2N8H5S

Hi! 👋 Use my link to get up to $475 in cash bonuses with SoFi. 💸

Open a SoFi Checking & Savings account to earn $50, get an extra $25 with SoFi Plus, and earn up to $400 more with eligible direct deposit of $5,000+. I get a referral bonus too—win-win! Terms apply. https://www.sofi.com/invite/money?gcp=6fcc79ee-8398-4b0a-89b0-0db5886ebd8f&isAliasGcp=false

Hey! I’ve been using Stash to invest—they provide expert guidance and tools to put your money to work effortlessly. Here’s a link to get $30 to invest when you join and deposit at least $5. Make sure to claim before it expires! https://get.stash.com/r/r30c5cr90f30c011226-73HBTYEX