Personal Finance

  • How To Use Cash App Tutorial & Review

    I recently sent my friend money via Cash App and taught my mom how to do the same. Since it’s the easiest money transfer app I wanted to share how to sign up for and use Cash App for anyone looking to easily send money to people you know.

    Cash App Referral Code

    Use referral code RSJQKLK on this link to get $5-$15 free on Cash App when you send $5 after signing up.

    cash-app-referral-code-sign-up-bonus-5-dollars

    This referral code RSJQKLK will get you at least $5 for free in cash on the Cash App when you sign up and send $5 to a friend, family member, or anyone else!

    Cash App sometimes has bonus periods where the sign up bonus increases but it is always at least $5.

    How to Sign Up For Cash App

    Getting $5 when you sign up for Cash App is easy but you have to do several things so follow all the steps. This step-by-step tutorial shows you how to redeem the $5 cash app referral code bonus in 2021.

    The following instructions will show you:

    • how to open an account on Cash App
    • how to enter a referral code (RSJQKLK) on Cash App
    • how to hit all the requirements to get your bonus money

    The steps you need to get the referral money for the Cash App bonus.

    1. Click on link or search for “Cash App” in app store
    2. Click and download Cash App to your phone
    3. Open Cash App on your phone
    4. You should be taken to a registration form to input a phone number or email address to sign-up for an account
    5. Be sure to apply the referral bonus code RSJQKLK if it prompts you here, otherwise do it in the upcoming steps
    6. Create a username for the app and confirm it
    7. Go to your account profile page by tapping the “Profile Icon” on the top right corner of the screen
    8. On the bottom of the page select the “Enter Referral Code” link
    9. Enter Cash App referral code: RSJQKLK (this qualifies you for the bonus money but you must complete the following steps too)
    10. Link your debit card or bank account to your Cash App account
    11. Send $5 to a friend who uses Cash App within 14 days
    12. Once your first transaction is complete, Cash App will automatically add the referral code bonus money to your account

    Important!! To get your bonus money you must do all the steps including linking your debit card and sending money. You can definitely send the money to someone who sends it back but you will need to do all the steps first!

    What Can You Do With Cash App?

    Cash App has expanded from it’s original limited functionality to allow many different functions. Unlike Venmo that has stayed with the theme of sending and receiving money, Cash App has many different features.

    Below are some of the main features in the app:

    1. Send and receive money. The original and primary service is the most popular. Personal and business users can send and receive money via Cash App with a unique username called a $Cashtag. The unique $Cashtag identifier lets users identify and send and receive payments quickly using the $Cashtag.
    2. Spend money with a debit card. Every Cash App account comes with a free debit card that is accepted anywhere they accept Visa. You can use the debit card in stores or online and add it to your Apple Pay or Google Pay wallets.
    3. Save money on purchases. Cash App makes using the debit card attractive by offering special “Cash Boosts” that give you additional cash back or rewards for shopping at certain stores or types of establishments. The savings are instant after you’ve made a purchase after selecting the offer in your Cash App in the Cash Boost section.
    4. Buy fractional shares of stocks. Cash App allows people to buy stocks at a fractional share which gets many people started with investing. You can start buying stocks with just $1 and build from there.
    5. Invest in Bitcoin. You can invest in and purchase fractions of Bitcoin with your Cash App balance right inside the app. You can also sell your Bitcoin in order to lock in gains or transfer it from Cash App to your own hardware wallet. There are fees for both the buying and selling of Bitcoin based on the market volatility at the time, but Cash App offers one of the easiest ways to get started with Bitcoin.
    6. Make money with referrals. The Cash App referral program is an easy way to generate income by referring friends, family, and other people to the app. You can share your Cash App referral code with people you know or on social media to get paid for promoting the app. You can earn between $5-$10 for every successful referral.

    Is Cash App Safe?

    A concern for many using Cash App may be the safety and security of the app. You might wonder before signing up if Cash App is safe? Will you be risking your money.

    Cash App is safe to use and uses a variety of safety measures to process payments every day.

    Some of the security measures they use to keep your money safe include:

    • Encryption: Cash App has a level-1 PCI-DSS certification. This allows Cash App users to send money in the form of encrypted messages which keeps your information safe.
    • Security Locks: Cash App secures your account with a variety of lock mechanisms including PIN entry, Touch ID, and Face ID. Cash App will verify your identity every time you open the app to make sure you are the one accessing your money.
    • Coin Storage: For the security of Bitcoin you purchase on the app, your coins are stored securely in Cash App’s offline system so that they cannot be accessed by hackers. You also have the option to transfer purchased Bitcoin on Cash App to your own hardware wallet which is always the most secure option with Bitcoin.
    • Disable Functions: Your Cash App debit card can be paused instantly if you can’t find it or just want to keep it safe. You don’t have to contact customer service and can quickly disable the debit card functionality in the app if your card is lost or stolen.
    • Fraud Protection: Fraud is the most common risk to your Cash App balance so you will need to stay vigilant personally for this but Cash App also investigates and takes action on fraud. If you receive any unprompted or suspicious social media message, email, text or phone call regarding the Cash App contact the Cash App support via the app.

    How To Refer Friends In Cash App

    You can earn money using Cash App be referring your friends and family to the app via the referral program with your unique code. For each friend you refer they will get at least $5 and you will earn $5 – $15.

    Here’s how to find your referral code in Cash App and refer friends:

    1. Open Cash App on your phone
    2. Go to your account profile page by tapping the “Profile Icon” on the top right corner
    3. Click the green “Invite Friends, Get $10” button after your username (this amount may be $5, $10, $15 depending on the current Cash App referral bonus)
    4. Type the name of a friend or click the green “Get $10” next to their name to send a message
    5. Or click the Arrow icon in the top right corner to bring up additional options for sending our your referral link and referral code
    6. Cash app will create a message about the bonus along with your unique code and link to send to friends and family
    7. To get the referral bonus make sure people use the code not just the link and they complete the necessary steps of linking an account and sending out $5 to someone

    Cash App Review

    Cash App is the money transfer app from Square, a reputable financial tech company creating and changing the way finance works. It’s completely free to use and for many people replaces bank accounts and the old ways to sending money with fees and lots of steps.

    Cash App began as primarily a way to transfer money between friends. It started with limited functionality but has grown to also include the option to buy stocks and bitcoin. This has helped provide access to financial options millions of people previously did not have.

    Reasons why I like Cash App:

    • easy to use to send and receive money
    • no monthly fees, fees to send or receive money, inactivity fees or foreign transaction fees
    • free debit card
    • cash boosts to help you save money while using the debit card
    • cash bonuses for friends who join with your referral code
    • ability to invest and buy fractional shares
    • ability to buy Bitcoin with fractional shares
    • acceptance wide among younger people

    Downsides to Cash App:

    • money is not FDIC-insured (it is not an actual bank)
    • has spending and withdrawal limits
    • fees to send money linked credit card

    While there are some downsides, the upsides and functionality and acceptance in the culture makes Cash App a must use app.

    You can get $5 or more for free by using my referral code when you sign up, code: RSJQKLK.

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  • 6 Income Streams (How I Doubled My Income)

    I shared a video on YouTube that covered my 6 streams of passive and active income that have doubled my income in the past year.

    My day job provided my main income for many years but in the last year I’ve used the other 5 income streams on this list to fully double my income.

    Why I’ve Built Multiple Income Streams

    In this video I’m revealing my 6 streams of income. I’ve found building multiple streams of income over the last two years has really helped us create a solid financial foundation and a whole new business for myself!

    I’ve been building these income streams over the past two years because of one important lesson: a job is not enough.

    One income stream is not enough.

    I’ve been let go from a job unexpectedly and I’ve work for a company that went under. After several unexpected job changes over a couple of years I realized that no job was 100% secure. After seeing how a pandemic in 2020 changed many people’s lives as well, I knew that one income stream from a job could never be enough.

    Building multiple income streams builds a web of financial security. If one income stream slows or disappears you have others to pick up the slack. You also have a much higher chance of saving money and building up a nest egg because you will be earning more money.

    I’ve worked hard to build up these multiple income streams and I’ll continue to do so.

    Passive Income Vs Active Income

    My income streams include both passive income and active income streams.

    Passive income is where you earn money without active involvement or work.

    Active income is where you trade your work and time in order to earn money.

    These income streams are very different but both have a place in building a solid financial foundation of multiple income streams.

    Having passive income streams can change your life which is why I focus so much on my favorite passive (and mostly passive) income sources: digital products, affiliate marketing and YouTube.

    It is important to remember when building passive income streams that all income streams require something: either time or money.

    To build passive income you have to invest upfront with no guarantee of returns.

    For most of my passive income streams I’ve had to put in a lot of time to building out my content and learning skills to be successful. You can cut this short and save time by spending money but either method will require something of you. Passive income can’t be created from nothing. But the great news is that it can be created.

    We can create our own incomes. We can create multiple income streams.

    Income Stream 1: Day Job

    I currently work a full time, 8-5 corporate job. It has been my main source of income for the last five years and has allowed me the security to build up my secondary income streams.

    There are many benefits to having a full time job:

    • biweekly paychecks you can count on (for the most part)
    • predictable income each paycheck
    • feelings of stability and security
    • base to build multiple income streams
    • 401k access with 4% match
    • health insurance subsidized by employer
    • FSA accounts for childcare and health
    • other benefits like free food, holiday parties, occasional bonuses

    There are definitely benefits to working a regular job and no one should ever feel like it’s not a good option. I just personally think it needs to be one option of many.

    Working at my job is active income where I trade my time for money.

    Income Stream 2: Investment Returns

    Investment returns and dividends are the most passive income on my list. I purchase stocks and those stocks work for me by either growing or paying a dividend.

    I love investment returns as an income because it is so passive. Once you purchase the stocks you are done and just sit back and let those companies work for you.

    Currently I earn dividends in my retirement accounts and in my taxable brokerage accounts. I also consider the minimal savings account interest earned in this category.

    Income Stream 3: Freelance Work

    In addition to my full time job I will also take on some freelance work for clients. This is not a huge income stream for me because it is active income that requires my time, but I enjoy helping a few former clients.

    Freelance work can be a great addition to your income streams if you need to increase your income but can’t wait for passive income streams to pay off.

    What kind of work can you do freelance jobs?

    You can find freelance work easily with many skills like:

    • writing
    • SEO
    • editing
    • video editing
    • graphic design
    • website design
    • voiceovers
    • programming

    And many more! Whatever skill you have can be useful as a freelancer.

    Where can you find jobs?

    You can sell your skills on sites like Fiverr or Upwork, or just contact local businesses around you. If you’ve worked in a certain field and have a good reputation you will also be approached with jobs by contacts.

    Income Stream 4: Digital Products

    Selling digital products is a fantastic passive income stream. In fact it is one of my favorite income streams and the most consistent one I’ve created online.

    Digital products come in many formats and niches so there is endless opportunity to create something that you can sell digitally to customers. The best part? Once you’ve created a product you can sell it again and again.

    I started an Etsy shop and sell budgeting and saving printables because I created them for myself, but there are many different ideas out there.

    Some digital product ideas include:

    • SVGs
    • PNGs
    • Planners
    • Guides
    • Templates
    • Wall Art
    • Mockups
    • Courses
    • Digital Stickers
    • Digital Planners
    • E-books
    • Checklists

    Want to get started with digital products as an income stream? Check out these posts:

    Income Stream 5: Affiliate Marketing

    Affiliate marketing is a fantastic income stream for content creators. It’s one of my favorite and most profitable income streams.

    Every month now I earn thousands of dollars in affiliate marketing revenue. The best part is that I only recommend products I actually use and love so I get paid for doing something I would do anyway.

    With affiliate marketing you promote products or services and get paid when you refer a customer. You have a custom link with your data that lets a company know when you have sent them a sale. For each sale you get a kickback.

    Affiliate programs range in types and profitability. Many larger companies offer 1-4% of sales that you refer. Smaller companies or fellow content creators can offer up to 50% of the sales. Then other companies pay per lead or have recurring payments.

    There are many ways to earn money with affiliate marketing!

    Want to learn more about affiliate marketing? Check out these posts:

    Income Stream 6: Advertising

    My final income stream is advertising. As a content creator I make money from the ads shown on both my YouTube channels and my websites.

    I like the advertising model of online revenue creation because it’s enough to support my work but it doesn’t force my audience into anything. They can choose to watch and ad or not. They can scroll by or click an ad.

    Advertising can be a very low paying form of income compared to something like affiliate marketing. For many niches ad rates are very low. However, if you enter a high paying ad space you can earn decent income without a ton of views.

    Luckily for me my interests overlap with well paying ad rates. Financial niches tends to have better paying ads for creators and YouTube ad rates for financial channels can be quite lucrative.

    Those are all 6 of my income streams. Adding them all up has put me in a much better financial situation and I’m so glad I went about building multiple income streams!

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  • Start A Reselling Side Hustle (Where To Source Products To Resell Online)

    Buying and reselling items for a profit is a great way to make extra money and for some people it is even a career. In this video I’m looking at reselling as a side hustle and where you can find inventory in order to get started.

    Reselling As A Side Hustle

    My mother-in-law spent the last year changing her business from in person sales with Avon to becoming a reseller using eBay and Facebook marketplace. It’s been fascinating to watch her grow an income as a reseller and I’ve learned so much about the different ways you can make money.

    I also had multiple coworkers who started reselling businesses this past year with varying levels of success. One of them even left our company last month to do reselling full time because she was so successful. 

    Seeing all of this success with reselling around me got me super curious about the side hustle of reselling. So many people around me have been succeeding with reselling, but it also seemed overwhelming to many.

    Where do you start? What do you sell first? How do you pick profitable products? Where do you resell things? In this post we will look at some of the details like where you can sell items online and where you can find those products to sell.

    Where To Resell Items

    Reselling can be done in many different ways and on many different websites. I’ve seen people have success selling items on eBay and I’ve seen people have success reselling on Instagram. There is not one way to handle it successfully and you can sell on any number of the following sites.

    Where to resell:

    Once you’ve decided on a place to sell, you then need to find products that you can buy at a low price and sell at a higher price.

    What To Resell

    I discovered the first obstacle to this side hustle is finding things to sell.

    There are many different ways to source products that you can resell for a profit. These methods can get you started if you are interested in creating a reselling side hustle or online business. 

    Resell: Your own stuff

    Clearing out your own stuff and selling things you no longer use is a common way many people start reselling and it is how my mother in law started.

    Whenever you read lists of how to make money fast this is a highly recommended way to earn money. Many of us own more stuff than we know what to do with and can use the things we want to clear out of our homes to start a reselling venture. Personally I’ve done this and sold many things locally on Facebook marketplace. 

    My mother-in-law did the same and began with selling some items from her home when she was remodeling. Then she also sold things from a family member’s estate when she inherited all the belongings. Selling her own items on both Facebook and ebay was a great way to get started since it is something you can do at your own pace.

    Sourcing things from your own home as well as family members can get you started and is a safe way to learn how to list items and capture buyers’ attention before you start investing money into inventory in the following sourcing methods. 

    In this video I’m going to show you how to open a free Alibaba.com account in order to source products and packaging you can sell in an online shop. My husband recently opened his custom leather goods store and we decided to use Alibaba.com to source packaging for his products. 

    Resell: Products from Alibaba.com

    Many of my online mastermind friends who’ve started reselling online and are treating it like a business use Alibaba.com to source their products. 

    Alibaba.com is a site that connects you to manufacturers who produce products that you purchase and then can resell to your customers. It’s perfect for both large businesses and small business owners since there are over 100 thousand suppliers with loads of options available for products and quantities. It’s the world leading e-commerce marketplace so you can find exactly what you want to resell with over 40 categories of products. 

    When you use a site like Alibaba.com to source your products for reselling you have much more control over your inventory so you do not have to worry about the downsides to some of the other options on this list where your product inventory will be inconsistent and one of a kind. 

    Resell: Thrift stores finds

    My coworkers who started reselling used thrift stores as one of their main sources of products to resell. In thrift stores they focused on finding vintage items that were trendy again today and then built social media accounts around the specific type of items they were buying and reselling. 

    Thrift stores are a great source of products to resell especially if you’ve built a following around a certain type of product like vintage mirrors or vintage glass cookware that you can find regularly. Thrift stores are also a great way to find and resell items that could be grouped together.

    Resell: Garage & estate sale scores

    Garage sales and estate sales are another way to find things that you can resell. With these you’ll have to put in more time and effort to find worthwhile items because there will not be the same consistency. You may find a goldmine or you may come up empty when you set out to find items to resell each weekend.

    However the great things about using these sales to build a reselling business is that the financial rewards are often higher and for a lot of people the process is more of a fun hobby. You’ll often get a lower purchase price at garage sales since people just want to get rid of things so if you enjoy the hunt as much as the business side this is a great way to source items to resell.

    Resell: Clearance section pickups

    Clearance sections at your favorite stores are a popular method I’ve seen taught by reseller coaches online because it’s one of the most straightforward. You find products in your local store at a very deep discount and then you sell them online via sites like Amazon for a profit. This works well because things in your area on clearance may command a higher price elsewhere. 

    Clearance aisles at drug stores are a great low cost way to find new inventory to resell online. I’ve found really great products in those clearance areas and there are often discontinued items that will sell well online to people that want to get copies of those final products.

    Reselling Success

    Those are just a few of the ways you can find products to resell in order to create a profitable reselling side hustle business.

    There are so many options and possibilities and ways to combine and change in order to grow this particular side hustle idea.

    After seeing multiple people start from scratch and go full time it’s definitely one that is worth a look if you’re wanting to earn more income in the coming years!

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  • Referral Codes For Free Stuff

    Many apps offer sign up bonuses if you use a referral code or referral link from a friend when you sign up. However, you might not always have a friend using the app before you which means you don’t get the free bonus money. If that’s your situation – don’t worry because I’m here to help.

    To help those of you who love getting free stuff I’ve listed all of my referral codes for various apps here so you can take advantage of the free referral bonuses! For most of these when you use my link or code I get the exact same amount in my account so thank you for using them to support this work!

    Investing Apps

    Cash App – Use this referral link to get $5 free on Cash App when you send $5 after signing up.

    Coinbase – Use this referral link to get $10 of free Bitcoin on Coinbase when you buy or sell $100 in any crypto.

    M1 Finance – Use this referral link to get $30 bonus when signing up to invest at M1 Finance after contributing a certain amount to the account. Check the details when you sign up as it changes often.

    Robinhood – Use this referral link for one free stock on Robinhood when you sign up for an account (will have my husband’s name). With this one you don’t have to deposit anything to get the free stock.

    Savings Apps

    Fetch Rewards – Use referral code MV7RR when you sign up for minimum $2 toward your balance to purchase gift cards. Also check out my Fetch Rewards tutorial and review post.

    Ibotta – Use this link with referral code vernepp when you sign up for a bonus in your account from $10-$40 depending on promotions.

    Why Am I Sharing These?

    First of all, referrals earn me money too! For every sign up you get a bonus and so do I! Just like the sign up bonuses you receive, the ones I get also range from $2 to $50.

    Second, not enough women in personal finance were sharing their codes. I wanted to sign up for an investing account and get the $50 bonus so I searched for a referral link and came up very frustrated that the first several pages of listings on Google and YouTube were all run by males. I actively wanted to give my referral to a female and could not find one, so I’m sharing all of mine for those who might want to do the same. Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

    Finally, because it helps you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating! Putting these referral codes and links out there can help others avoid that situation and get a little bit of a kickback when they sign up for something. I love being able to give others free money!

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  • How To Use Fetch Rewards Tutorial & Review

    My mom recently signed up for a Fetch Rewards app to scan grocery receipts. I’ve been using it for years and she finally joined me, but she had a lot of questions about how to use the app. To help her out I made some tutorial videos that I’ve also shared on YouTube to help others.

    Fetch Rewards Referral Code

    If you want to join Fetch Rewards and get the free bonus points but don’t have a referral code you can use mine: MV7RR

    Fetch Rewards referral code: MV7RR

    how to enter a referral code into fetch rewards

    This referral code will get you between $2 – $4 worth of free gift cards when you use it upon signing up. Fetch Rewards regularly changes the amount that new members can get but you’ll at least get $2 for using the code!

    You will enter the code when you sign up as shown in the video below. You have to enter the code before scanning your first receipt to get the free points.

    How To Sign Up For Fetch Rewards

    Signing up for Fetch Rewards is easy! In the video above I show you how to use sign up for a Fetch Rewards account and use a referral code to get points you can use to get free gift cards to your favorite stores.

    This Fetch Rewards tutorial video shows:

    • how to open an account on Fetch Rewards
    • how to enter a referral code (MV7RR) on Fetch Rewards
    • how to scan your first receipt on Fetch Rewards to get points

    If you skip the chance to enter in the video, you can enter a referral code later on by tapping on the Me tab and selecting Refer a friend.

    Important!! You MUST do the referral code before scanning your first receipt. If you scan a receipt before entering a referral code then you will not get the bonus points.

    How to sign up instructions:

    1. In the App store search for Fetch Rewards
    2. Download the app to your phone
    3. Open the Fetch Rewards app
    4. Click sign up with email button
    5. Enter personal info for your account details
    6. Click the orange sign up button
    7. Enter your birthday and gender
    8. Enter your phone number and state
    9. Click the “Start saving” button next
    10. Click “Okay” or “Maybe later” to enable notifications
    11. Click “Okay” or “Maybe later” to enable location notifications
    12. Enter referral code MV7RR
    13. Click the “Enter code” button
    14. To get your free points you will need to scan a receipt
    15. Skip through the intro slide to go to the home screen
    16. Click the orange camera icon at the bottom right corner
    17. Grab any grocery receipt you have within the last 14 days
    18. Line up the receipt with the lines on screen
    19. Click the orange camera icon in the center of the screen
    20. Your receipt will upload while you wait
    21. Your points will automatically be added to your account

    And that’s how you sign up for a Fetch Rewards account and start off with enough points to redeem your first gift card!

    How To Earn Points In Fetch Rewards

    Fetch Rewards is all about earning points that you can then use to get gift cards for free. They have made it a game that incentivizes you to take actions in order to get these points. It’s fun and there are also many different ways to earn points.

    Here are the six ways you can earn points covered in the video:

    1. Sign up using a referral code. You can get $2 for signing up with a code.
    2. Scan receipts. The main goal of Fetch Rewards is to get you to scan your receipts. Take a pic and let it upload automatically!
    3. Get special offers. Some companies choose to give you bonus points when you purchase a specific product. When you buy these products and then scan the receipt you get more points!
    4. Add digital receipts. You can link your Amazon account and email account to earn points when Fetch Rewards scans your accounts for purchases.
    5. Use Single Care for prescriptions. Single Care is a card inside Fetch Rewards you can use to save money on prescriptions and get more points in Fetch Rewards.
    6. Refer your friends. You can get $2-$4 for every person you refer to use the app. When they sign up using your code and scan their first receipt you both get extra points!

    Want to learn more? Here is some more detailed descriptions of the ways you can earn points:

    Use a referral code when signing up. When you sign up you can get between $2-$4 worth of points by using a referral code. If you don’t have a friend already using Fetch Rewards you can use my referral code MV7RR

    Earn over 1,000 points for scanning your first receipts. Fetch Rewards has high bonus points for the first couple of receipts. You can earn at least 1,000 just for using the app and scanning the first receipts! It only takes a second so get those initial points!

    Earn 2,000 points for referring a friend. Once you are using the Fetch Rewards app you can also earn points for getting your friends and family to sign up. Earning $2 per friend you refer can be a nice bonus for sharing about this useful app! A friend must create an account, use your code, and scan a receipt for you to earn the points.

    Earn points for your emailed receipts. Fetch Rewards works with online shopping not just physical receipts! In the app there is a blue “e” icon where you can upload e-receipts. You can add your email and your Amazon account to link to Fetch Rewards so receipts will automatically upload and you’ll be credited the points.

    Earn points when you buy specific brands. You’ll get some points for every receipt you upload but the big bonuses will come when you make a purchase on a qualifying brand or product. You can browse the current bonus opportunities that offer extra points for your spending. Even if you don’t plan for it you will still automatically get points any time you upload a receipt and have purchased a brand giving extra points.

    Earn extra points when you buy specific products. Just like the brand purchases you can earn extra on specific products. You can find the Special Offers on products on the home screen if you scroll down. These have expiration dates so the ones with high points values don’t last as long!

    Keep looking for new ways to earn. Fetch Rewards continually adds new ways to earn points to keep both users and advertisers happy. Things like getting 5,000 points for picking up a prescription using SingleCare or scanning receipts to drug stores not just grocery stores have all been added since I started using the app. Make sure you open it and look for new opportunities every so often.

    There are many videos and sites that encourage unethical ways to game the system and earn points in Fetch Rewards fast with hacks. I recommend not trying these because they will get your account shut down and you will be unable to earn gift cards. You can still earn a lot of points by doing the things listed above!

    How To Redeem Gift Cards On Fetch Rewards

    Redeeming gift cards on Fetch Rewards is a simple process once you know how to navigate the app. This video tutorial is the first one I made for my mom since she was eager to redeem her free points for a gift card after signing up!

    In this video I show you how to use the points you have earned in Fetch Rewards to get free gift cards to your favorite stores.

    How to redeem a gift card instructions:

    1. Open the Fetch Rewards app
    2. Click the Rewards tab in the lower menu
    3. Or you can click the points balance in the top menu
    4. Scroll through reward options by category or you can search for the reward you want
    5. Select the reward at the retailer you want (options available to you will have a gold circle based on points balance)
    6. Click the amount circled under the retailer name
    7. Click the “Get my $$ reward” orange button
    8. Fetch Rewards will send you a security code to your phone or email
    9. Enter the code you received by tapping the box and entering the 4 digit code
    10. Click the “Validate” button to finish
    11. Congrats, Fetch Rewards has created your gift card!
    12. Click the “Go to my rewards” orange button or click the Rewards tab in the bottom menu and go to the “My Rewards” tab
    13. In the “My Rewards” tab you can view current gift cards
    14. Click on the reward in the “Current Rewards” section to get the code to use for redemption
    15. Tap on the code to copy
    16. Close Fetch Rewards app to go redeem the gift card code on the appropriate site
    17. Either add the code to your gift card balance in your account or apply it when checking out

    Hopefully these steps make it easy to understand how to use Fetch Rewards to earn points and redeem gift cards!

    Is Fetch Rewards Legitimate?

    You might be wondering if Fetch Rewards is legitimate or if its a scam. How do you get gift cards for free?

    Fetch Rewards is a safe and legitimate! It is a real company that gives users real gift cards for points that you can collect for free. They do this by then selling the data from the receipts to companies as valuable market research.

    Fetch Rewards does ask for a minimal amount of personal information to determine your age and location that makes the receipt info and your spending habit info valuable. This app is not for anyone who does not want to freely give up that information.

    If you are concerned about safety and protecting yourself you can do a couple things. First, create an account from scratch using your email instead of connecting via Facebook or Google. Second, use an unique password for your account. Third, do not connect your email or Amazon accounts for the e-receipts portion of the app.

    While Fetch Rewards is legitimate and safe it is up to you to determine what information you are comfortable giving to them in the exchange for gift cards.

    Fetch Rewards Review

    If you haven’t used Fetch Rewards yet I truly believe it is the best app for scanning your grocery and other store receipts. For each receipt you scan you’ll earn points which you can then redeem for gift cards. There is no need to select items before hand or scan barcodes – it’s the easiest grocery scanning app out there!

    Reasons why I like Fetch Rewards:

    • easy to use and scan receipts
    • free points when you sign up
    • lots of opportunities for bonus points
    • easy to redeem gift cards
    • no need to do extra work like scanning barcodes
    • no need to research what you buy before – it’s all automatic
    • can do physical and digital receipts
    • earn 1200 points ($1.20) minimum just for the first receipt
    • earn 2,000 points ($2) for referring a friend
    • earn bonus points when you buy certain brands
    • lots of special offers to earn extra for certain purchases
    • you can monitor spending in the app based on receipts

    Downsides to Fetch Rewards:

    • can’t use receipts if it’s past 14 days
    • some receipts don’t earn much so it’s not worth the time spent
    • bonus opportunities aren’t usually things I would buy

    One of the cool things that has happened since I’ve been using Fetch Rewards is that they’ve added way more opportunities.

    Fetch now accepts receipts from the following:

    • Grocery stores
    • Convenience stores
    • Drug stores
    • Big-box retailers

    There are so many ways to earn points to redeem for free gift cards!

    Clearly it has a lot of benefits that other apps lack! I use Fetch Rewards in addition to other grocery scanning and digital coupon apps but it is by far my favorite because it’s so easy and mostly passive.

    You can get $2-$4 for free by using my referral code when you sign up, code: MV7RR.

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  • New Mortgage Payoff Plan + Mortgage Payoff Update Q1 2021

    Welcome to my first official mortgage payoff update!

    I’ve definitely shared about paying off our mortgage before and even done infrequent mortgage payoff updates just to show how a biweekly schedule pays off your mortgage faster.

    But this is the first official update where I’m starting with a clear goal: paying off the mortgage much faster than planned.

    Let’s go!

    Mortgage Payoff Update Details

    In this video I’m comparing our mortgage balance from Dec 2020 to the end of March 2021. Covering the first quarter of 2021 shows how much progress we’ve made so far this year.

    This mortgage payoff update shows what we’ve done in the first quarter of the year to reduce our mortgage balance without doing anything extreme. We haven’t been attacking our mortgage super aggressively because we are saving and investing heavily but I wanted to show how our biweekly payment schedule still helps us pay down the loan a bit faster thanks to extra principal payments.

    mortgage-payoff-update-march-2020-2

    Our previous mortgage balance in December of 2020 was $135,434.00.

    Since then we made several months worth of payments and in March we made our $650 biweekly payment that went straight to the principal of the loan.

    We also made our first principal only payment from side income which further reduced the balance.

    The new loan balance on our home mortgage was then $132, 698.53.

    From December 2020 to the end of March 2021, we reduced the mortgage balance by $2,735.47.

    mortgage-payoff-update-march-2020-2

    New Mortgage Payoff Plan

    This also marks a major turning point in both my YouTube channel and the mortgage payoff journey because…

    I started using money from THIS YOUTUBE CHANNEL to help pay down the mortgage faster!

    This was the first update where I also made a specific mortgage payment toward principal only simply from my extra income on YouTube. Since I have talked about debt payoff and our mortgage so much on my YouTube channel, I felt like it was a good fit to use the income for that. I also had a ton of support on my previous video about paying down the mortgage so I will be doing a split plan for now.

    Our new mortgage payoff plan involves using one of our multiple income streams to help pay down the mortgage faster.

    My YouTube channel and the related income is an income stream that I will be using to help fund all our housing needs current and future, which involves paying off this mortgage!

    The new plan for the income on my YouTube channel involves splitting the income three ways:

    • 50% to my M1 Finance investing account to grow the money for a future downpayment in several years
    • 25% to my M1 Spend account (checking with 1% apr) which acts as our house fund
    • 25% to the mortgage principal to pay off the mortgage faster

    This split allows me to hedge our bets since we don’t know for sure when we will truly want to buy our next home. All we know for now is that it won’t be within the year and most likely not within the next two years. Taking the pressure off myself to buy a new home sooner has meant we can work toward giving ourselves more options.

    This new plan for the extra income gives us options and focuses the money where it will get the highest returns but also still allows us to payoff the mortgage. So many online arguments over mortgage payoff center around not getting the best return for your money and this split plan allows us to pursue both options – the higher investment returns and the peace of eventually paying off our home.

    What Has Helped Pay Off The Mortgage Faster

    I mentioned that we have not been aggressive yet with our mortgage payoff, but we have still been working toward the goal. I’m all about making big moves without a ton of extra effort so the things we’ve done have barely affected our lives but they have made a big difference to the mortgage balance reduction.

    Things making a big difference in our mortgage payoff include:

    • new refinanced loan (we refinanced our mortgage in 2020)
    • 30 year loan moving to 15 year loan
    • changing interest rates from 3.625% to 2.75%
    • dropping monthly PMI payments
    • paying biweekly payments
    • paying a tiny bit extra each month

    None of that really made a huge difference in our normal lives and budgets but it made a huge difference in how fast this will be paid off! Each little addition towards paying off the mortgage adds up to make the timeline much shorter overall.

    Many small steps and tiny changes do not feel like they are doing much at the time financially, especially when you are staring at a big goal. But they do actually add up and lead you closer to where you want to be.

    Never discount a step in the direction you want to go no matter how small it may be.

    Mortgage Payoff Tracker Progress

    In this video I caught up on tracking my mortgage payoff progress by coloring in both my tracker printable and my amortization schedule.

    Having visual reminders of your progress is one of the keys to debt payoff motivation and one of the biggest ways we managed to pay off debt previously.

    I’m very excited to be tracking our mortgage payoff progress in a visual way so that I can easily see how far we’ve come!

    Mortgage Payoff Tracker Printable

    If you are also on the journey to paying off your home, check out this mortgage payoff printable!

    Mortgage Payoff Tracker Printable | Mortgage Debt Payoff Tracker

    This home mortgage payoff printable was designed to help you stay motivated on the long journey of paying off a mortgage and it’s one of the tools I’ll be using in my own payoff process! Tracking your progress visually can help keep you on track and motivated!

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