Money Making

Have Your Earned Your FREE $107 Yet? Reminder and Ideas How to Do It Quickly From Home

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by thriftyal on January 11, 2012

If you remember over the Black Friday weekend we shared with you a great offer from ING – they were offering you $107 just for trying their Electric Orange Account.  We know many of you shared with us how excited you were to try them, especially as they do not have bank fees, a minimum balance or overdraft fees.  But if you forgot, you needed to make five separate purchases (either signature or PIN-based) using your Electric Orange Card within 45 days of opening your account to receive the $107 bonus.

We wanted to share with you some quick and easy ways you can make your five qualified purchases if you haven’t done so yet:

  • Purchase a Kindle book – Need a book to read?  Purchase a Kindle book, sit back and relax and enjoy your day!
  • Download an MP3 from Amazon – If you’ve been looking for a specific song or album, time is a great time to do it!  As the songs are less than $1 this will give you a chance to make a purchase for less.
  • Rent a Movie from Amazon Instant Video starting at $0.99 – Another quick idea that doesn’t require shipping or leaving your home is to rent a movie from Amazon.  The nice thing about this option is you can make your rental purchase now and then you have 30 days to complete watching this 24-hour rental.
  • Head to a local store and make a few small purchases.  Obviously this requires you to leave your home.  :)

You need to ensure you make 5 separate purchases (not five items in one order) to qualify for this promotion.

Did you miss the offer over Black Friday?  No worries as ING Direct is offering you a $50 bonus right now just for trying their account and services!

To sign up for your Electric Orange Account:

  1. Click over to ING, select the option for an Electric Orange Account HERE
  2. Follow the process to sign up (it originally took us about 5 minutes)
  3. Make a total of 3 purchases (either signature or PIN-based) using your Electric Orange Card or Person2Person Payments (or any combination of the two) within 45 days.

Your $50 bonus will be automatically deposited into your account on day 50.

Earn a $50 bonus when you open an Electric Orange℠ checking account from ING DIRECT. Free ATMs and no overdraft fees.

Alex and Cassie

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Easy Way for Moms To Make a Little Extra Income from Home Plus FREE $5 Just For Registering (It Is FREE)

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by thriftycas on January 11, 2012

This is an AWESOME new survey company called Mommy Talks! We posted about this in November for those of you looking to make a little extra income from home.  At that time, I registered for this myself and it took my about 3 minutes to register for a new account. And just by registering – I received $5 cash! These are surveys geared towards moms about products for moms and babies.

Even better is that they have a super slick survey taking-and-reward system – better than any we have ever seen from a survey company! They have a chart showing you how many surveys are available for you to take, how long they will take and the actual cash amount you will receive for taking it! This is a great opportunity to make a little extra cash too!

Here’s a screen shot of some of the surveys available to me today after registering for a new account! I actually had 64 that I could take!

You can see from the chart from my account, with a survey or two a day, at the end of each month – you could get a nice check!

In addition, I receive a daily email with an opportunity for a survey that day (other than logging in and choosing more to do that day if I wanted) and the email looks like this:

What I love about this is that they are clear about approximately how long this survey will take and then the reward I will get for taking this survey.  In this case, it is $2.50 cash for a 10 minute survey.  That is not too bad of a way to spend 10 minutes.  If you did something like this once a day, you can literally have a goal to pay a bill or two or to even bank the money for a family financial goal that you are working towards.

IMPORTANT: To get your $5 bonus – your account will show a $0.00 balance after registering.  But just hop on over to the email account that you registered with and click on the email to confirm – you will not get your $5 until they can confirm who you say you are.  It will look like this in your email:

Then once you click on through in your email, then your account balance will show the $5 and then start taking surveys to earn more!!

We are not sure how long they will be offering the $5 bonus – so take a few minutes and get registered for your $5.  Then log-in whenever you would like to make a bit of cash!

Head to the Mommy Talks site through this link HERE for your $5 bonus

See our master list of Ways to Earn Extra Income: Over 100 and Counting

Alex and Cassie

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Get Paid For Your Opinion From Synovate Plus Extra FREE $5 – Limited to First 350 Registrants

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by thriftycas on January 7, 2012

Check out how you can get paid for your opinion as today’s money making highlight that is available right now for you to utilize to bring in a little extra (even every month if you take surveys each month!).  This is one that you can do from home in with just a few minutes a day! Survey companies that conduct market research are a popular way to earn a bit from home as brands and manufacturer’s are wanting to know which direction they should go with their products or services and they are willing to pay people to tell them their thoughts.

You can make cash from survey companies and the one we are featuring today is Synovate surveys.  This is a popular one that fills up fast when the registration is open.

Here’s information from Synovate about their program that is open for enrollment right now to the first 350 for this round of applications:

We value your opinions. In fact, when you share your thoughts, we’ll give you reward points redeemable for checks or vouchers! Vouchers give you online or store credit to one of the many top retailers offered in our online store.

Every survey invitation you get says how many reward points you could earn by completing it. All you have to do is participate in surveys to bank reward points. It’s that easy! Once you have at least 5,000 points, redeem them for vouchers or checks Remember: The more surveys you participate in, the more points you can earn!

I, Cassie, have done a handful of survey options in the past.  Most do offer a rewards system that you can either redeem for prizes or even better – CASH (in the form of a check ;) ) like Synovate.  With consistency, you could receive a regular $20, $40, $50 etc. or so check each month.  We like to think of the survey type jobs in these terms: “what bill could job opportunity cover to make it more realistic for us to complete?” How would an extra $20, $40 or $50 a month affect your goal?  Now you cannot make a living off of doing surveys and nor will you get rich – but it is a way to earn just a little more to get to your goal a little faster.

To join Synovate, just head to their site here to apply. The application process includes a handful of questions regarding gender, age, household size, etc. so that you can be matched with the right surveys. Then you will receive email notification of your application status and then start earning and covering a bill each month! Please note: You will need to confirm your application from your email to get started. So get paid for your opinion while this round of applications is open!

PLUS it looks like you may also receive a $5 bonus for joining right now.

See our master list of Ways to Earn Extra Income: Over 100 and Counting

Thanks A Proverb’s Wife

Alex and Cassie

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How to Save on the Way to the 2012 Family Economics Conference in Chicago

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by thriftyal on January 5, 2012

Have you seen this little piggy?  Just a little bit ago we opened our email and found in it another announcement of the upcoming 2012 Family Economics conference in Chicago just a couple of short months away!  If you remember from when we first announced this conference, we shared that it was at the first annual Family Economics conference that we really solidified our vision for my leaving the corporate world and coming home to work with my family in many of our business ventures.  We would have never dreamed that just two short years later we would have been asked to come to the conference to share practical ways and tips to help families save money and stretch their budgets in every area of life!

So let us help you by piggy-backing off the great tips that Generations with Vision already shared by sharing them with you and adding a couple of our own!

#1. Start following our site and learning all the great tips and money-saving advice now (before the conference)!

So first, if you are new to our site we want to wish you a warm welcome!  But we don’t want you to just wait for the conference to get some great tips and advice.  We want you to start saving now to help get you to the conference for less!  We wouldn’t be The Thrifty Couple if we didn’t share with you tips now on how to do it for less and start saving money now.

We invite you to join our fun community on Facebook where you get links to the latest on our site – but even more so, you can join in on the discussions!  We love our community and LOVE the comments!  Plus we post exclusive deals, coupons and samples on Facebook so make sure to like us to get it all!

Join the Discussion on Facebook

Plus, don’t miss out on our daily newsletter where you get all our tips, deals and articles in one place! Just click HERE to start your FREE subscription! Please confirm your subscription (a confirmation email will be sent to you that you will need to click through to confirm that you would like to receive emails from us)!

#2. Make sure to register and use promotion code ThriftyCouple to save you $20 off your registration!

We love saving money here and wouldn’t be consistent unless we shared with you how to save on your registration for the conference!  As we mention above, simply click here to go to the conference site, and when you sign up use code ThriftyCouple to sign up!

#3. Write about it on your own blog and get a discount!

Do you have your own family blog?  Generations with Vision is offering you $25 off your family registration or $5 off your personal registration just for sharing on your blog (let us know if you do so we can get you in contact with the right person to get your discount)!  Of course, we would love it if you mentioned that you can’t wait to meet us, but with the awesome lineup of speakers we understand if you don’t.  :)

#4. Check out many of our tips on how to save on your road trip to Chicago including the drive, accommodations and food!

Two years ago we shared a number of articles on how to save on your many stages of a road trip:

  • Make sure to prepare your vehicle for the trip.  Its not much fun to be stuck on the side of the road (not to mention not thrifty with cost of tow truck and small town mechanic).  Besides, you don’t want to miss the first day of the conference!
  • We share some great tips on the actual drive itself!  From setting a budget to the food on the trip you will want to read this.  We even have a small section to prevent everyone in the car from going crazy with some ideas for in-car activities too! And yes, the little picture of our daughter eating her french fry was on our way to the Family Economics conference back in 2010!
  • Even though we all know the price of gas is astronomical, if you have a family (and a large one at that) you know the cost of lodging can be through the roof!  Make sure to check out our list of tips and tricks to help reduce the cost of motel or hotel as well!
  • Before you read this next part and just close the browser claiming we don’t know what we’re talk about we ask you to read it in full – stay at a timeshare or condo!  We share tips (not on buying a timeshare) but how to get those empty and overflow condos for much less!

So although you could hitchhike (you can see that tip in the original email), we really encourage you to check out these tips first!  :)

We invite you to come, gain a vision for your own family and meet with a large number of families doing the same!

Don’t forget to see our original post announcing the 2012 Family Economics conference for more details about the conference!

Alex and Cassie

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Easily Earn $600 this Year Without Spending More and With Minimal Effort

This post may contain affiliate links. Please read our disclosure policy here.

by thriftyal on January 2, 2012

With a new year upon us, its time to get back to normal life and make plans for your family’s budget and financial goals for 2012.  What if you could quickly and easily do something now to give your family an extra $600 this year alone? (based on the average spending for an American household)  What if the additional effort needed is by paying your everyday bills and expenses with a new card (a debit card of course)?!  Last year we shared with you an awesome way we earn cash back just by using our PerkStreet FinancialSM debit card – we learned about this from Dave Ramsey and after signing up (its FREE and easy to sign up) just loved how much money we earned.

Check out some great ideas on how to use your cash back:

  • Effectively lower your monthly bills by paying with your cash back rewards
  • Use the perks to help meet some of your new financial goals for 2012!
  • Save this FREE money and use it to budget for Christmas this year (it is coming, you know :) )

We encourage you to check out our last post where we gave you all the details on what Perkstreet is all about.  Throughout the year we’ll be sharing tips on how we used our card with necessary expenses to help pay our “mommy and our newborn son’s” hospital bills (while earning great rewards), how we immediately apply our rewards to budgeted bills with the end result of giving us more money to save this year, and other great ways we have found to use and earn more perks!

Our last post will give you all the details, but here’s a quick summary:

  • Earn 2% cash back on all non-PIN debit card purchases for 3 months (90 days)
  • After 90 days, earn 2% cash back on every non-PIN purchases when your balance is $5,000 or more or earn 1% cash back for balances below $5,000. Either way, you won’t find another bank in America that gives you more rewards on debit.
  • Get 5% PowerPerks at rotating monthly categories and merchants (this month on sport and athletic clubs (think New Year’s resolutions) and TurboTax (a favorite for us as well – more later!))
  • No credit check. No annual fee. It’s free to get and free to use.

Click HERE to go directly to PerkStreet FinancialSM and sign up for FREE!

Click HERE to check out our last post with all the details on how you can earn $600 cash back (or more!) this year from your everyday spending!

The PerkStreet FinancialSM Debit MasterCard® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated.

Alex and Cassie

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Come Join Us at the 2012 Family Economics Conference in Chicago

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by thriftyal on December 3, 2011

Family Economics 2012

We are excited and honored to announce that we have been invited to speak at the upcoming third annual Family Economics Conference!  We attended the first Family Economics where we were challenged and encouraged to be even more faithful with our finances as well as establishing solid economic and financial principles with our children and as a family.  In fact, it was that conference that really helped solidify our vision to have me come home from my corporate job and work together with our family and develop our own family-based economic.  We will be sharing practical ways and tips to help families save money and stretch their budgets in every area of life!

Are you ready to take your family’s economy to the next level? Is your family ready to start a family business, but you just don’t know where to start. Get your family equipped and inspired in Chicago at the third annual Family Economics Conference on March 8-10, 2012. This exciting event features a line-up of speakers who will equip your family’s economy for long-term success, including Kevin Swanson, Doug Phillips, RC Sproul Jr., Steve and Teri Maxwell, Dave Tucker, Erik Weir, Bill Roth, Don Hart, Alex and Cassie as The Thrifty Couple (that’s us! :) ), and more! In addition, you’ll be encouraged by the practical wisdom in the popular Q&A panels, where you will have opportunity to interact with the speakers. Just a sample of the topics to be addressed are:

  • Raising Sons to Provide
  • Household Budget Management
  • Marketing a Family Business
  • Household Chores and Time Management
  • The Duties of Dominion
  • Keys to Being a Successful Family Entrepreneur
  • Stories from Successful Family Start-Ups
  • A Special Proverbs 31 Track for Ladies
  • …and much more!

Also included in the price of registration is a family pass to the 2012 Annual Liberty Day Celebration on Saturday night after the conference (value of $59).

As a special for Thrifty Couple followers, you can save $20 off your family registration by using the coupon code ThriftyCouple when you register online. Click here to register now!

Alex and Cassie

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Earn Extra Cash this Holiday Season by Painting Windows

This post may contain affiliate links. Please read our disclosure policy here.

by thriftycas on November 19, 2011

It’s time to share another idea with you to help you make some extra income this Christmas season to help you have a debt-free Christmas, pay extra bills or have an even bigger Christmas! Either way, we have the master list over 100 Ways to Earn Additional Income that we are continually adding to and highlighting topics to help you and your family find some money-making opportunities.

Today’s idea is for those of you who may have someone in the family that is an artist! Holiday Window Painting is the name of this money making idea.  We have personally known a family who does this as a regular gig in addition to their full-time jobs so that they can earn extra income.  They have stated the holiday season especially booms with clients (business owners) wanting to draw customers with fun and festive windows.  The family that does this is self-taught hobby artists and they do a great job!  They love to do it and they actually get jobs all year round as it is a fun and affordable way for businesses to utilize their window space for marketing any time of year! As always, because you are in charge of the business you can invest as much time and effort as you would like.  This could be as small as painting for a few local businesses or as involved as a full-time year-round venture.

So if this seems like something that would be fun and potentially a great way to utilize the skill-set of some of your family members, then here are some ideas to get you started.

Marketing ideas

  • Paint your windows on both your home and car and place a sign in your yard offering window painting.  There is no greater advertisement than someone actually seeing your work! You could also offer to paint friends’ windows for FREE for Christmas if they are willing to put a sign up in their yard too!
  • Get your listing up on your local free classifieds - This is a tried and true way to get business for FREE and you can generally post pictures to show off your work!
  • Take brochures into businesses with pictures of your past work.  You can even consider providing a discount to them if they allow you to put your contact information on the window under the painting (like an artist does, but advertising your work).  Consider offering a year-round package at a discount for the commitment (if you want to make this even bigger).
  • Offer incentives to your current customers.  These could range from ideas like giving them a gift card for referred customers, discounts on future window paintings for referrals, etc.  Not only are you getting word-of-mouth referrals (which are the best kind!) but you are giving them an incentive to do so and helping them reduce their overall cost of service – the more they refer, the cheaper their overall price is!
  • Offer a gift card to your own network of friends and family - They may not have paid for your service, but again advertising spread by word-of-mouth can help you grow your business organically!

As far as the costs involved, it really can be a low-cost overhead type of business.  There really isn’t many items needed much more than the proper paint (which you may be able to find some great discounts on at places like Amazon and warehouses), paint brushes, window cleaning supplies and your marketing materials.

Other considerations

  • Think outside of the box for how the whole family can work together - Each member of the family might offer great talents that you can use for the job.  Does one of the children have a great eye for design (e.g., our 7-year old marketer)?  Use him or her to design your marketing supplies!  Consider using some of your older children to help pick up the supplies from the store or even shop around to find a great deal on them!  If you sit down as a family you just might find some ideas that you would have never considered before.
  • Taxes - This is standard on every money-making post, but make sure to discuss with your accountant how to track your costs and income to prepare your taxes.  There might be some deductible expenses (e.g., all the mileage for the work/advertising, cost of supplies, etc) that you might not initially consider as part of this business.
  • Insurance - Make sure to discuss with your insurance agent and consider whether something like this is necessary for this type of work in your area.  Every business has risk involved, so it is always something to think about.

We hope some of these ideas will at least get you started in utilizing skills in the family to help generate some extra income.  We would love to hear other considerations you might have and anything else we might have missed.

Finally, we encourage you to check out our full list of over 100 ways to earn additional income!  We plan on expanding this list in the days and weeks ahead as there are some great opportunities with the holidays approaching!

Photo credit:  JJGrabber.com who looks like he is doing exactly what we are talking about ;)

Alex and Cassie

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Make Money Through Mommy Talks Plus FREE $5 Just For Registering (It Is FREE)

This post may contain affiliate links. Please read our disclosure policy here.

by thriftycas on November 17, 2011

This is an AWESOME new survey company called Mommy Talks! We just saw this and I registered for this myself and it took my about 3 minutes to register for a new account. And just by registering – I received $5 cash! These are surveys geared towards moms about products for moms and babies.

Even better is that they have a super slick survey taking-and-reward system – better than any we have ever seen from a survey company! They have a chart showing you how many surveys are available for you to take, how long they will take and the actual cash amount you will receive for taking it! This is a great opportunity to make a little extra cash too!

Here’s a screen shot of some of the surveys available to me today after registering for a new account! I actually had 64 that I could take!

 

You can see from the chart from my account, with a survey or two a day, at the end of each month – you could get a nice check!

IMPORTANT: To get your $5 bonus – your account will show a $0.00 balance after registering.  But just hop on over to the email account that you registered with and click on the email to confirm – you will not get your $5 until they can confirm who you say you are.  It will look like this in your email:

Then once you click on through in your email, then your account balance will show the $5 and then start taking surveys to earn more!!

We are not sure how long they will be offering the $5 bonus – so take a few minutes and get registered for your $5.  Then log-in whenever you would like to make a bit of cash!

Head to the Mommy Talks site through this link HERE for your $5 bonus

See our master list of Ways to Earn Extra Income: Over 100 and Counting

Thanks Money Saving Mom

Alex and Cassie

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Earn Extra Cash this Holiday Season by Installing Christmas Lights

This post may contain affiliate links. Please read our disclosure policy here.

by thriftyal on November 16, 2011

Over the next couple of weeks we are planning on sharing some great earning ideas as part of our list of over 100 Ways to Earn Additional Income as we move into the holiday season.  As we’ve mentioned in the past, not only will finding part-time income help you meet your financial goals, but you might be able to turn some of these ideas into your main form of income.  For example, if your family has a roofing business, this could be a great opportunity to help you through those lean times when the snow is falling!

We actually know about this idea from our “transitioning days”.  What do I mean?  We actually used this service a few years ago when we were starting our transition from being deep in debt to starting to pay off our debt.  Cassie grew up loving a house beautifully decorated for Christmas so we wanted to decorate our home on a thrifty budget.  We purchased some Christmas lights on clearance and were pleased with the sale.  It was then that Cassie noticed on one of the local classified ad services that two college-aged brothers (trying to earn money so they could pay for their schooling with cash) was offering to not only put up our Christmas lights for a reasonable price, but also take them down for us as well when the spring came.  We’ll share in a different article on weighing the cost of paying someone for a service (e.g., could you realistically make more money by paying someone for a service and use the same time for your own business venture?) – which was part of our rationale at the time.  But even more so we were excited about their vision and goals of working to pay for their schooling debt-free and wanted to support them.  We hired them for the service and loved the results – they did a great job!

We wanted to share with you some ideas on how to get started (you may want to get started pretty quickly – there’s no time like the present) with some ideas you might want to consider.  As always, because you are in charge of the business you can invest as much time and effort as you would like.  This could be as small as helping a few neighbors with their lights or as involved as a full-time seasonal venture.

Marketing ideas

  • Get your lights on your home (making sure they are just right) and place a sign in your yard offering Christmas light installation - We have actually seen a couple of businesses get creative with the moving lights to have them “move” toward the sign which helped draw our attention to it.  Don’t forget to place a small spotlight on the sign so your potential customers driving by can see the sign during the prime time – at night while they view your beautiful lights!
  • Make a vinyl sign that you can place on your vehicle - If you call your local print shops they will often get you set up pretty quickly.  And if you call around you can negotiate a great price!
  • Get your listing up on your local free classifieds - This is where Cassie saw our installers a few years back advertising and can be a great, FREE source of marketing!
  • Ask some local senior citizen’s centers whether you can post a flyer in their center - If you think about it, there could be a great opportunity for seniors that would love to decorate their home but just can’t because they are unable to get on a ladder or on their roof.  This could be a great blessing to them as well.
  • Offer incentives to your current customers that you’ll offer them a $5 gift card for referred customers - Not only are you getting word-of-mouth referrals (which are the best kind!) but you are giving them an incentive to do so and helping them reduce their overall cost of service – the more they refer, the cheaper their overall price is!
  • Offer the same $5 gift card to your friends and family - They may not have paid for your service, but again advertising spread by word-of-mouth can help you grow your business organically!

Supplies you will need

  • Ladders - Obviously you’ll need a couple of extension and shorter ladders to get you on the roof
  • Warm clothing - If you remember our post on starting your own snow-removal business you’ll note we mentioned the need to purchase cold-weather clothing to keep yourself warm during the venture.
  • Snow removal supplies - Depending on your bravery level (can you tell I’m a bit scared of heights?), you’ll probably need some shovels and de-icer to help give you some safety while you do this.
  • Materials to attach the lights to the house - We assume if you are even considering this that you’ve put up Christmas lights in the past.  As you know it can require additional miscellaneous supplies such as various clips and even a staple gun (if your customer directs) to attach those lights.  Having the supplies stocked up well ahead of your job will help prevent unnecessary last-minute trips to the store.
  • Extension cords - You will obviously want to factor the cost for any cords or power strips you might need into the bid for the job.  Each job will probably be unique as the customer may already have these ready for you to use.

Other considerations

  • Obviously you really need to consider the risk involved - If you love heights and stand on the top of ladders for a good time, this might be a perfect fit for your family.
  • Think outside of the box for how the whole family can work together - Each member of the family might offer great talents that you can use for the job.  Does one of the children have a great eye for design (e.g., our 7-year old marketer)?  Use him or her to design your marketing supplies!  Consider using some of your older children to help pick up the supplies from the store or even shop around to find a great deal on them!  If you sit down as a family you just might find some ideas that you would have never considered before.
  • Consider loading of electrical sockets - As we mentioned before, we’re sure you have not only put your own lights up before but have probably done it multiple times.  Make sure that you understand just how many lights can be plugged in safely without tripping the breaker.
  • Insurance - Make sure to discuss and consider the price of insurance with your insurance agent.  If you happen to have that roofing company we mentioned before you probably know all about this and possibly could already be covered.  Every business has risk involved, but this one seems to potentially have more than others.
  • Taxes - This is standard on every money-making post, but make sure to discuss with your accountant how to track your costs and income to prepare your taxes.  There might be some deductible expenses (e.g., all the mileage for the work/advertising, cost of supplies, etc) that you might not initially consider as part of this business.

We hope some of these ideas will at least get you started in developing your Christmas Light Installation business.  We would love to hear other considerations you might have and anything else we might have missed.

Finally, we encourage you to check out our full list of over 100 ways to earn additional income!  We plan on expanding this list in the days and weeks ahead as there are some great opportunities with the holidays approaching!

Photo credit:  Thank you to Home Tips as the source of this image.

Alex and Cassie

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PerkStreet Financial Rewards You With an Amazing 2% Cash Back Debit Card as Recommended by Dave Ramsey

This post may contain affiliate links. Please read our disclosure policy here.

by thriftyal on November 5, 2011

Earlier this year Cassie noticed that Dave Ramsey referred to PerkStreet FinancialSM as a financial services company that made a lot of sense – they offer a FREE checking account with a debit card that rewards you for using their card (the normal verbiage: non-PIN transactions of course).  From his recommendation we thought we would check them out – and we have been very happy users since.  We love they were founded to help families live debt-free by rewarding them for making smart spending choices and avoiding credit card debt and big banking fees.

First if you’ve been following the news, you know a lot of banking customers (us ourselves) are up in arms over the number of fees that banks are charging to use their debit cards.  Wells Fargo, Chase & SunTrust all charge somewhere in the range from $3-5 monthly just for using some of their debit cards.  The latest, Bank of America made the announcement they would charge a monthly $5 fee for the same.  If I understand correctly, they heard their customers loud and clear (or many ex-customers, that is) and have recently taken back that charge.  If nothing else, you can sense the winds of additional bank fees – as demonstrated by the Bank Transfer Day – a day dedicated for users to leave their current banks and transfer fully to a credit union solely because of bank fees for debit card use.

Here’s where the awesome part comes in – PerkStreet Financial offers their checking account and debit card without any maintenance fees and instead rewards you to use their debit card (on all non-PIN purchases) – and you can keep your current bank account!  Here’s what they say about themselves:

It’s an FDIC insured checking account that gives you more debit card rewards than any other account in America. When you use your PerkStreet Financial Debit MasterCard® without entering a PIN, you earn free coffee, music or 2% cash back, plus up to 5% cash back in popular categories.

So as you can tell, what’s amazing with PerkStreet Financial is that you can get 2% cash back just for using your card and making purchases you would normally make every day compared to our current bank that only offers 0.25% back – a HUGE difference!  PerkStreet Financial also states their average customer receives back $601 per year in perks – which means about a $50 card per month.  And yes, that’s one of our rewards cards above!

First, its free and easy to open an account.  Just click on this link to PerkStreet Financial and after you get to their site just click on the button below (you can’t miss it :) ) to apply for an account – and as they have said before, it only takes a few minutes to fill out!

After they approve and create your account they will notify you and you can start using them for your purchases!

So here’s the nitty and the gritty:

  • Earn 2% cash back on all non-PIN debit card purchases for 3 months (90 days)
  • After 90 days, earn 2% cash back on every non-PIN purchases when your balance is $5,000 or more or earn 1% cash back for balances below $5,000. Either way, you won’t find another bank in America that gives you more rewards on debit .
  • Get 5% PowerPerks at rotating monthly categories and merchants (this month on movie and local bakery purchases)
  • No credit check. No annual fee. It’s free to get and free to use.

Finally, we’ll share with you more in the future on how you can maximize your perk rewards, but when you request your rewards you can receive them as assorted gift cards or – our favorite – CASH (in the form of a card as you see above).  We love taking those perks and paying some of our bills online.  How great it is to see our monthly budget reduced (even if just a little bit) just because we earned cash back spending wisely!

Click here to sign up today!

The PerkStreet FinancialSM Debit MasterCard® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated.

Alex and Cassie

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