Hey, here’s $1 from Billy on the Street and Jingit!!

Watch this and amaze your friends! Billy On The Street is a hilarious new show on Fuse that combines the man-on-the-street interview with the classic quiz show! Get the right answer, and you WIN!

Billy on the Street has gone interactive thanks to Jingit, a brand-new online service that actually pays YOU to watch stuff.

Sometimes it’s hilarious stuff. Sometimes it’s informative. And sometimes it’s an ad, but hey – you’re making money, right?

All you have to do is watch the video, sign up for Jingit through Facebook and win!  And guess what – you can return to this post tomorrow to get another $1! Come back every day until the promotion ends!

Jingit also has a mobile app and a lot more opportunities for videos!  Using the mobile app, you can earn even more by checking-in and completing tasks at your local Walmart.

You can either spend your earnings on mp3 downloads at Jingit’s MusicMe site, or by using the Jingit Visa Card! Works just like any pre-loaded Visa Card and makes for a great way to spend and save virtual pocket change!

You see that little Jingit logo at the bottom-left of that banner? Keep a lookout for that. When you see it online, that’s a new opportunity to earn!

If you want some more money, see if you qualify for this Jingit task from MiO!

If Jingit delivers as promised I may add it to my list of Smartphone Apps that Actually Pay You. So far, Jingit seems to be the most fun, the most interactive and the most exciting!

So get started now and start earning!

This post contains affiliate links.

Free listings on eBay through April 30!

Photo by Brian Cantoni under Creative Commons

I’ve been making a bit of extra cash lately by selling some of my extra inventory on eBay.

This is a great time for it. During the entire month of April, you can list your item on eBay for FREE!!!!

What a great way to get some clutter out of your house! I know I have a few things around that I’m never gonna use anymore – so get steppin’! It’s a great way to save money while making money!

How to pay off your student loan debt while buying stuff you normally buy. No, really!


Turn Your Everyday Spending into College Savings!

I can’t believe it’s been 16 years since I was filling out the FAFSA and applying for my student loan. I was certain that by now I would be making a bajillion dollars a year as a world-famous writer and that my education would have been paid off.

Um, yeah, of course I haven’t paid it off. Life happens. Hardships led to Forbearance and Deferment, and before I knew it, I found myself looking at my student loan balance ten years later and facing a balance that was greater than the amount I initially borrowed.

I’m being smarter about it today. I make payments every month. I make sure to pay off an amount greater than the interest tacked on to my loan every month. And this year, I started doing most of my online shopping with Upromise. And Upromise has helped me slowly chip away at that student loan and clear off a path toward debt independence.

It started out just as a site in which you could save for your kids’ or your friends’ kids college expenses. You’d sign up, you’d put in your reward cards, you might save a penny a year. Whoop-dee-doo. But a few years ago, Sallie Mae acquired Upromise – and the acquisition opened up a whole lot more opportunities and easier ways to pay for college OR pay down your student loans.

Here’s how it works now:

1) Open a new account at Upromise.
2) While logged in to Upromise, you shop online from an overwhelming list of online retailers, including Best Buy, Old Navy, OfficeMax, Walmart, drugstore.com, Expedia, Sally Beauty Supply… way too many to name. Next to the retailer you will see exactly what percentage of your dollars spent will go back into your Upromise account. Stores can range from 1 to 25%, but are typically around 2-4 percent.

3) About 30 to 45 days later, you get money put back into your Upromise account.
4) Use the money any way you want – receive a check, open up a 529 savings account for the kids, or have Upromise make payments directly to Sallie Mae to help pay off your student loan.

Now, here’s the mindset you need to get into to rack up the money and pay off your loan sooner:

1) Take fewer trips to the store. So you have your list for the drug store ready. Let’s say you need deodorant, cotton balls, vitamins, shampoo, toilet paper and a bottle of Zyrtec. These are all non-perishable items you can buy online from drugstore, Walgreens or Walmart. By planning a couple of days ahead, you can buy that stuff online through Upromise. So stay in your jammies and shop online. Not only have you avoided the stress of having to wade through 12 different aisles to find what you need, you’re also gonna get some money back from it.

2) Buy online; pick up in the store. Best Buy started it and most merchants have followed: Buy items through Upromise for in-store pickup. Again, you are making an easier shopping trip for yourself and you are buying stuff through Upromise.

3) If you need it and can buy it through Upromise, do it. In addition to pharmacy items, you can also buy clothing, non-perishable food, electronics, pet supplies, contact lenses, baby formula, laundry detergent, baby and bridal shower gifts, basically anything that doesn’t spoil or melt can be purchased online. There will probably be a time when cold-shipping is more common and you can buy your cheese and deli meat online too, but we aren’t quite there yet.

4) Take advantage of free shipping offers. Many sites have a minimum purchase requirement to qualify for free shipping. It really doesn’t take that much to come up with $25 or $50 worth of stuff to chop off those shipping costs. Walmart.com is currently offering free shipping for all its pharmacy products and has a line of “Home Free” shipping products that come to you for free if you spend $45, so I’ve been going there to buy low-carb bars and snacks. I also use Drugstore.com to buy groceries, supplements, allergy medications. You just need a minimum purchase of $25 for free shipping, and it’s not hard to rack that up!

Upromise also has a “daily double” that is announced every day at midnight EST, in which you can get double savings from your purchase. It also prominently displays the merchants that will give you the most bang for your buck.

I’ve been using Upromise since the beginning of last year to shop for everyday items, and I’ve earned about $200 to pay down my student loan. Upromise makes payments to Sallie Mae loans on a quarterly basis if you get more than $25 in savings.

So is Upromise the way to get your loan paid every month? Not really, but it does help chip away at that loan a lot sooner. There are other ways to add to your savings. I do not recommend you get the Upromise Credit Card that promises you’ll save even more for college, since I think it defeats the whole purpose of paying down debt in the first place. But you can refer your family and friends to shop through Upromise and help you out. I haven’t had any luck with that; your mileage may vary.

If you get a statement from Sallie Mae every month and you are not signed up with Upromise, you need to get on that train and ride it now. Because I don’t know where you come from, but here, 100 bucks is nothing to shake a stick at.

You’re going to buy this stuff anyway; why not earn something from it?


Join Upromise!

Five Smartphone apps that really pay you

The Smartphone has enabled brands to connect with people and provide incentives more easily than ever. There is a HOST of smartphone apps out there that promise you quick cash and rewards and often end up being a real hassle to deal with. I’m here to take out the hype and share with you some smartphone apps that really have earned me money, gift cards and prizes.

I earn them my checking in to local businesses, scanning products in the store, endorsing my favorite products and even just walking into stores.

I’ve been using smartphone reward apps for almost two and a half years, and here are some of the best ones I’ve come across. I use these on my Samsung Galaxy S II Skyrocket with Android 2.3.5 (Gingerbread), so your mileage may vary.

Please note that I have included my referral links with all of these products. These really are great products and I have spent a lot of time working with them to find the best out there, so if you want to sign up, please do so through the links n this post. In return, you can invite your friends and readers and get referral bonuses as well!

1. CALYP – Once called Blue Calypso, CALYP (pronounced “k-lip”) is a program you can use on your PC or smartphone to endorse products on Twitter, Facebook, email, text messages or your blog.

Getting a CALYP account is easy. You can set up an account through Facebook or Twitter. Immediately you’ll see a list of a few dozen products you can choose to endorse. Simply pick out a product, tap the “share” button, and decide which of your social networks you’ll send it to.

The more online places you endorse, the greater your earnings will be. You’ll always earn -something – and instead of being paid per click, you just get paid per share.

CALYP will send you payment via a debit card, and your earnings will be deposited once a month. They sent my debit card this week; I plan to use it to buy Amazon gift certificates or even use as rainy-day money. You can also level up and get more money per share, along with  additional perks, which get you discounts at all kinds of places. Right now I’m easily making 80 cents for every share, which gets me some solid, extra pocket money once a week.

The good:  This is, by far, my FAVORITE rewards app. The products available for endorsing are QUALITY products. You will not be sending out messages telling people how to get white teeth, gain 10 jillion followers in a day, or about the latest Acai-Pomegranate-Magic Potion that all the talk show hosts are using. Also, you aren’t given incentives for additional points by downloading adware-filled apps or signing up for any programs. You just endorse products you like and share them with your followers.

Products I’ve endorsed through CALYP include: Dingo rawhides, Blue Buffalo dog food, L’Oreal and the latest album from DEVO. Since you can only endorse four products a day, it’s a guarantee that you’ll be able to find four things you use every day that you will be proud to endorse.

The bad: CALYP is still kind of new, and I’ve found it to be buggy at times on my smartphone. However, the team has AWESOME tech support and will quickly help you if you have a problem. The good outweighs the bad on this one a thousandfold. To get started with Calyp, visit here.

2. WeReward: This is a fun Smartphone app from the folks at IZEA, one of the top sponsored-content companies in the world. WeReward is like FourSquare, except checking in can actually earn you money. You can also fill out very brief surveys to earn, and you can also take photos of yourself in stores or restaurants and with products to earn. It’s kind of like a brand scavenger hunt! It’s very fun, and I’ve earned more than $300 from them.

The good:  You can rack up points and cash them out VERY quickly. Each point you receive is worth a penny, and once you reach $10, you can immediately cash out your earnings through Paypal.

The bad: Some people think this is bad, but I don’t: any IZEA product requires you to submit your social security number. This is bona fide income, and if you earn $600 or more from IZEA during the year you will get a tax form and you will need to file it as income. I actually find peace of mind with this, because it lets me know that IZEA is playing fairly in the game. To download WeReward for your Android or iPhone, go here.

3. Shopkick:  This is a fun app that rewards you for scanning products in store and even walking into stores! It also includes coupons that the cashier can scan from your phone’s screen. The interface is cute and simple and the app has never closed on me, and I’ve earned gift cards from Target and Best Buy just for scanning.

The Good: The prizes are great! You can win gift cards to Best Buy, Macy’s, Target, Old Navy and a whole bunch of other places. Also, you can register your VISA with shopkick so you can earn points for purchases in certain stores.

The Bad: Shopkick has a lot of bells and whistles and pointless badges that take your point-earning time away. I’ve also had difficulties with the walk-in, sometimes having to walk in and out of a store two or three times to get my kicks. Also, it can sometimes be really difficult to scan products in store, either because the lighting is wrong, the bar code or QR is difficult to get to, or a number of other reasons. But the app works perfectly more often than not, and if you have a great smartphone, you should have very few problems. To join Shopkick, go here.

4. Checkpoints: This is another scan-to-earn app. There are no walk-in points, but for scanning products in-store, you can earn points and coins to use to play one of two games. The games can allow you to win extra points, and you can use your points to make donations to your favorite causes, or get airline miles, gift certificates or other prizes. You can also download apps to earn more coins.

The good: This is the only rewards app JUST for your smartphone (at least to my knowledge) that gives out Amazon gift cards. I actually cannot remember the last time I have used my own money to add to my Amazon balance, because I keep earning gift cards from Checkpoints, Swagbucks and other places online.

The bad: The “Easy points” section of the app allows you to download games and apps to earn extra coins. The main problem is that many of these “easy points” are riddled with adware. However, in most cases you can just open the app once and then uninstall it to get your points. You can opt not to download these extra programs, and checkpoints, in and of itself, just has ads in the app, no surprise pop-ups. It’s worth it to me to earn the extra Amazon cash. To join Checkpoints, click  here and use the code “bellesouth” to start off with some extra points.

5. Swagbucks Search Swidget and Swagbucks TV Mobile: LOVE these two apps because it makes earning a lot easier. I use swagbucks as my default search engine on my phone now. It’s not a browser add-on; it’s basically just a widget you place on one of your screens to search just as you would with Google. Essentially it’s a shortcut to the swagbucks search engine from your phone. The Swagbucks TV Mobile app allows you to watch all those swagbucks videos on your phone. You can even set it to stream continuously, put the phone down for a little while and in no time you’ve got more points in your account! Swagbucks is an awesome way to earn Paypal cash, gift cards and prizes. I can’t think of a shopping blogger who doesn’t use it. If you don’t have an account, sign up here.

I know having a smartphone is expensive, but when you combine these programs, it really does make it easy for your smartphone to pay for itself! These are all paying you for doing things you would do anyway – shopping, searching, walking into stores, playing games. I hope I’ve provided you with some great tools to get started and find new ways to pay for your stuff!

Are there any smartphone rewards programs you use? I’d love to know!

Win Dave Ramsey products in the Blueprint for Financial Health #Giveaway!

I’m SO excited to bring you this giveaway, because the tools you can win will last you a lifetime. I know a lot of you are muddling through financial woes right now, so I’ve joined Coupon Wizards and some other AWESOME bloggers to bring you the Blueprint For Financial Health giveaway. Enter, and remember – the more entries you have, the more chances you have to win! Good luck!!

And with that, here’s the spiel:

We want YOU to have a 2012 and we know that one thing that brings many people down is their financial situation. That’s why we’re teaming up with some amazing bloggers to bring you the Blueprint for Financial Health Giveaway!

Prizes include:

  • One year subscription to Dave Ramsey’s My Total Money Makeover
  • 6 month subscription to Dave Ramsey’s My Total Money Makeover
  • Dave Ramsey Gift Bundle

The prizes may not be sexy or high tech, but they will help you live a better life! As Dave Ramsey always says, you need to live like no one else so you can live like no one else! Just think of how amazing it will feel when you get to the place where you can pay CASH for everything and you HAVE the cash to pay for the things you want!


a Rafflecopter giveaway

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