You can earn a $600 sign up bonus if you apply for the Chase Sapphire Preferred credit card using my referral link and spend $4,000 on purchases in the first 3 months from account opening: https://www.ReferYourChaseCard.com/6j/9R07AKEOEM
I explain in the video why the Chase Sapphire Preferred credit card is one of the ultimate credit cards to get insanely great deals on hotels and all-inclusive resorts and how to be elite with your money.
This quarter you can obtain 7% cash back on Starbucks or any other restaurant by paying with your PayPal account linked to your Chase Freedom Flex credit card:
Note that you are only getting 7% cash back and not 8% (3% on Restaurants + 5% on PayPal) because you earn 1% on all purchases, an additional 2% on restaurants and an additional 4% on the rotating categories, which comes out to 7% when using PayPal at restaurants. Read the fine print. Still better than getting only 3% or 5% cash back, and way better than paying full price.
If you don’t have the Chase Freedom Flex credit card, you can apply for the credit card using the referral link below and you will earn a $200 bonus after you spend $500 on purchases within the first 3 months from account opening:
https://www.referyourchasecard.com/18o/OUTKIAI19H
For the record, I’ve earned $5,695 in cash back and bonuses this year through the end of the third quarter:
I’m a little late to the game on this one, but Chicago residents can now pay their electricity and heating bills by credit card without incurring any additional fees, which means you should be able to earn at least $600 cash back over a decade if your utility bills are similar to mine.
Note that as of 12/31/22, ComEd and Peoples Gas, the electricity and heating gas providers in the city of Chicago, do not allow you to autopay with a credit card so you’d have to manually submit your credit card payment online to take advantage of this. Not a huge price to pay for a discount on your bill in my opinion. I’ve done a lot more for a lot less. 😅
Also, the Chase Freedom and the Discover credit cards have offered 5% cash back on PayPal transactions in previous quarters, which ComEd accepts as payment. This past quarter my Chase Freedom credit card had that offer so I vastly overpaid my electricity bill last month to maximize my cash back.
For the record, I understand the credit card fee is not being paid directly to me when I say I’m swiping the fee for myself but I’m definitely effectively receiving the benefit, albeit indirectly. Anyone who wants to argue otherwise can hit me up and we can go to finance class.
Similar to the settlement Facebook reached with the state of Illinois where residents received $397 payments a few months ago, you can now submit a claim to receive your part of another class-action lawsuit. Earlier this year, Google agreed to pay $100 million to settle a lawsuit in Illinois over their facial recognition feature in Google Photos, so if you qualify you can submit a claim at the settlement website that contains all the details: https://www.googlebipasettlement.com/
Deadline to submit a claim is Saturday, September 24, 2022.
Direct link to file a claim is here.
The most important number in achieving financial independence is your savings rate, which is just how much money you have left every month after paying all your bills. To that end, I’m sharing this online spreadsheet that will calculate your…
One of my favorite offers because Target is probably the store my family shops at most often. Similar offer Target offered last year, but this time in October. 10% off Target gift card purchase up to $500 for RedCard holders….