4 ways to save money and get free stuff

4 ways to save money and get free stuff

We all want to save money, but let’s face it: sometimes, it just doesn’t seem possible. When your income has been reduced due to Covid-19, your housing costs are through the roof, and food costs are on the rise, finding ways to save money for loftier goals can be a real challenge.

Don’t be discouraged. If you really can’t eliminate anything in your budget, you will need to do a bit of work to reduce the cost of certain items. In addition, you can find creative ways to get stuff you would normally buy for free.

To help in the process, try some of these tips on saving money and getting free stuff.

Shop around for better deals

If you pay monthly fees on bank accounts and credit cards, it might be worth a second look at the terms of your agreement. See if you could be paying lower fees, getting more free perks or earning more interest with another product or another bank altogether. If you are unsure, ask your bank to direct you to the best product based on your history.

Phone, internet, and television companies are constantly trying to get you to switch your services. Even if you have to pay a fee to break a contract, you might still be able to save some money by switching providers. Shop around once a year to see what deals are on offer and call up your company to see what they can do to match or beat the competition. You will probably walk away with a better deal and a few extra bucks in your wallet.

One of the reasons we like shopping online so much is that is provides an easy way to comparison shop and get the best deal. There are several online aggregator sites that do all of the work for you like ShopBot.ca, PriceGrabber.ca and ShopToIt.ca. If you want to get the best deal on your purchases and keep more of your hard earned money in your pocket, try using these sites to your advantage.

Sell your stuff online

If the prospect of getting a raise at work is not looking good, you can find other avenues to make money. What about getting rid of things you don’t need? We all have more stuff than we know what to do with — whether clothes, equipment, or tchotchkes.

Canada’s second-hand economy is still growing despite the pandemic. Buying used goods is appealing for many reasons, including environmental sustainability and cost-effectiveness. The old adage, one man’s trash is another man’s treasure, really does apply here. With some patience, you can make some money on pretty much any item you no longer need or are willing to part with for a certain price.

These social commerce sites aren’t just good for getting rid of your stuff. In the process, you can find some great deals for yourself. You can buy all sorts, including items that people are literally giving away for free — just as a way of cleaning house.

Kijiji Canada, an online classified advertising service for buying, selling and trading goods and services recommends these options for contactless transactions for sellers or minimizing in-person contact to help prevent the spread of COVID-19.

Sign up for free customer rewards programs

Customer rewards programs are designed to keep you happy and loyal. We’ve already talked about how shopping around for better deals is a great way of getting better prices. Loyalty programs help to combat that by giving you free stuff. Nowadays, most big retailers and service providers have their own version. It’s worth checking out what they offer and which can provide you with the most savings and rewards.

Get a rewards credit card and earn points on every purchase you make on it. Most credit cards give you a variety of ways to use your points, including: shopping online, cash back, gift cards, discounts on airfare and hotels, charitable donations, and paying off your balance.

With a travel rewards program, you earn points whenever you shop at a retail partner location. Those points can generally be used for in-store discounts, cash vouchers, and a variety of rewards, including travel, merchandise, events, and attractions.

Food costs are skyrocketing these days so any way we can find to reduce our bill at the checkout is a bonus. Grocery store loyalty programs not only give you alerts on sales so you can stock up when prices are lower, they also give you points that can be redeemed on your next grocery bill.

Bill payments apps, like Paytm, are a great way to earn free stuff without spending a single dime. Yeah, you heard right. You can download the app for free and begin earning points right away just for registering. Then, every time you pay a bill through the app, you’ll earn more points that can be redeemed for discounted e-gift cards towards great brands like Best Buy, Esso, Instacart, Amazon, and Hotels.com. You might as well earn free stuff for something you have to do anyway — like pay your bills.

Paytm has made it super easy for you to do just that — pay everything from rent and property taxes to phone and internet bills — by giving you multiple bill payment methods, including Amex, Visa debit, Mastercard credit, bank account, and Paytm cash. That could mean being able to pay your rent using your credit card and building your credit score, if you can’t find the money in this month’s budget.

Invest your money

Once you have put some of these other tips into practice, you will start to see some room in your budget open up. That’s when you can really start to save and earn free stuff. What do we mean by that? It’s simple. It takes money to make money. So, once you start putting your savings into smart investments, you can really start to increase your earnings.

Plan to put money into your investments each month and you should be able to watch your savings grow year-over-year with some exceptions. As a long-term strategy, investing is the best way to grow your wealth. It’s kind of like free money for the taking.

Saving money and earning free stuff is possible at any stage of your life and no matter your current income. Put these tips into play and before long, you’ll be enjoying all the perks that saving and spending money can offer.— Source: Paytm Canada / sea.mashable.com

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