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Dine Out & Earn Up To $40/Month With Upromise!

Abby H.

I’ve posted about Upromise before, and it is a great way to save for college for yourself or your kids, and earn cash back. I received an email this morning that you can earn an extra $5 on top of your dining cash back rewards when you reserve and dine at a Upromise® Dining participating restaurant—for up to 8 times or $40 bonus per calendar month!

There are a lot of local resturants in my area that participate in Upromise Dining too.  Find restaurants near you here.

If you are interested in learning more about all of the great ways you can save money for college with Upromise, check out their website.

Here are all of the fine print details:

*This Reservation Completion Bonus (this “Bonus”) offer is open to all members of Upromise® Dining who: login to their Upromise Dining account, book a reservation on the Upromise Dining website via the reservations widget, check-in for their reservation directly at the participating location at the day and time of the reservation as confirmed by the third-party reservation provider, and pay the check for the dine associated with the reservation with a credit and/or debit card linked to their Upromise Dining account (a “complete reservation” or “completed reservation”). For clarity, Members must complete a qualified dine at the time of their reservation to earn this Bonus. Members must remain opted-into emails from Upromise Dining with a valid, deliverable email address to earn this Bonus. Members will receive $5 cash back rewards for each completed reservation. This Bonus is limited to 1 completed reservation per day and may be earned a maximum of 8 times per calendar month for completed reservations made within the same calendar month. This Bonus offer is combinable with other Upromise Dining bonuses. Please allow up to eight weeks from the date of a completed reservation for any bonus to post to your Upromise Dining account. Please note that some participating locations offer rewards only on certain days of the week, and you may not earn your standard cash back rewards on the day and time of your completed reservation. For complete program Terms of Use, guidelines and restrictions, and the latest rewards calendar, visit our website. Other limitations may apply. These terms and conditions are subject to change (including termination of this Bonus opportunity) in our sole discretion and without notice to you. This Bonus opportunity is for a limited time only. Void where prohibited.

Saving and Earning Money for College with Upromise!

Abby H.

I’ve had an Upromise account for almost 20 years.

It’s a great way to earn and save money for college. I used my earnings/savings to pay for my college textbooks and parking pass when I finished my AA’s after a long break from college.

The Upromise savings tools and automatic transfers let you set goals and transfer your earned rewards into college savings plans.

Receive a $5.29 bonus when you sign up for a free Upromise account.

Receive a $30 Welcome Bonus when linked to a 529 account. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future education costs.

Upromise® Mastercard® – Cardmembers earn 1.529% cash back rewards on purchases when their Upromise Program account is linked to an eligible College Savings Plan, or 1.25% cash back rewards on purchases if their Upromise Program account is not linked. Apply today at upromisemastercard.com

There are a lot of ways to earn money with Upromise: Shop online through their portal or add their Chrome Shopping extension to earn extra money. Upromise also has a Dining program, where you can earn cash back for dining at specific restaurants and paying with linked cards. I recently had dinner at a new restaurant with some friends and received an email that I earned cash back with  Upromise!

If you are looking for more money saving tips for college, check out my post here. 

Save and Earn Money for College with Upromise!

Abby H.

I’ve had a Upromise account for 15+ years. It’s a great way to earn and save money for college. I used my earnings/savings to pay for my college textbooks and parking pass when I finished my AA’s a few years ago.

The Upromise savings tools and automatic transfers let you set goals and transfer your earned rewards into college savings plans.

Receive a $5.29 bonus when you sign up for a free Upromise account.

Receive a $30 Welcome Bonus when linked to a 529 account. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future education costs.

Upromise® Mastercard® – Cardmembers earn 1.529% cash back rewards on purchases when their Upromise Program account is linked to an eligible College Savings Plan, or 1.25% cash back rewards on purchases if their Upromise Program account is not linked. Apply today at upromisemastercard.com

There are a lot of ways to earn money with Upromise: Shop online through their portal or add their Chrome Shopping extension to earn extra money. Upromise also has a Dining program, where you can earn cash back for dining at specific restaurants and paying with linked cards.

 

 

 

How To Recoup Bank and Credit Card Fees

Abby H.

If you use credit cards or ATMs, you have probably been charged fees. Finance Charge fees and Out of Network ATM fees are a few ways that financial institutions make money by loaning us or handling our money.

In the past there was no way of avoiding paying those charges- once you paid them, the money was gone.

Now there are websites, apps, and programs that can help consumers recoup the fees that they have paid out. Here are a couple that I have looked into or used.

Harvest links your bank accounts and credit card accounts to their AI and once every 90 days you can request their program contact those institutions on your behalf to credit previously paid fees. Harvest takes a portion of those fees. Harvest was not able to get any money back on my behalf. I have only been using it for about 50 days. Once my 90 days are up and I can re-negotiate, I will try it again.

Cushion: I looked into Cushion, but did not use it, because it costs on average $50/year. I don’t have a lot of outstanding debt, so there was no way that I could save that much from their AI negotiations. Also, there is this:

Basically, you don’t get the money credited back to you, you earn “rewards” through Cushion’s program. A quick internet search leads me to believe that it’s mostly Amazon Gift Cards, which as much as I love Amazon Gift Cards is not what I want. I want cold hard cash in my hot little paws.

I recommend that everyone look at their bank account at least monthly (I do it once a week when I balance the checkbook-yes, I do that) and look for any fees or charges that may not look familiar. Doing the same with your credit card statement when it comes as well is a great idea. Recently I caught a $90 charge that was fraudulent. A quick call to American Express and I filed a dispute, the charge was removed and all is well!

If you find a lot of ATM usage fees on your bank statement, download your banks app to locate fee-free ATMs. My credit union has fee-free ATMs at 7/11’s!

Note that I use the term Bank- I use this interchangeably for credit union, as that’s what I use. I have been a member of a credit union for almost 30 years. There is no monthly fee for having a checking or savings account, and I have my car loan through them as well (the rate is really low). Credit Unions are great because they offer low rates, and no or low account fees. And usually, membership is free.

If you have used a service like Harvest or Cushion with success, I’d love to hear your results! Leave a comment below.

 

Earn Cash Back with Groupon+!

Abby H.

Screen Shot 2019-08-31 at 4.44.48 PM.png The other day I wrote about Mogl, which is an appt that helps you earn cash back at restaurants. Today I’m going to tell you about another Awesome way to earn cash back when you eat out: Groupon+!

It’s as easy as 1, 2,3!

  1. Sign up for free to get cash back at participating restaurants.
  2. Nothing to print our or bring in!
  3. Get automatic cash back on your credit card statement. (You can also use debit cards too, and the money will be credited to the account)

Cash back amounts vary from 5% all the way to 30%! And here in San Diego, there are some pretty awesome choices:

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And these are just two of the great deals. There are tons of choices in various cuisines and locations!

And you can load multiple cards to Groupon+! I loaded all of our debit and credit cards, so regardless of what method we may with, we’ll be covered! And I know my data is secure because it’s Groupon and I’ve used their site to buy all kinds of deals in the past.

Earn Money When You Eat Out with Mogl!

Abby H.


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Mogl is an awesome App/website that I have forgotten about until recently. In 3 easy steps, you could be earning rewards at restaurants without having to clip coupons or carry loyalty cards. 

  1. Sign up for an account and link your cards. Sign up for free I have all of our credit cards and debit cards linked.
  2. Explore and add offers– their app shows you real-time offers for restaurants near you.
  3. Enjoy your meal- Pay with a linked card and you’ll instantly earn rewards. The amount varies by restaurant, but it’s usually between 3-10%.

Once you reach $10 in your Mogl account. I have the money credited to my debit card, so the money goes into my checking account.

My favorite part of Mogl is that most Jack in the Box’s are part of the program and when I am jonesing for their tacos (Don’t Judge!!) or a large ice tea, I get rewarded!