Affluent but Frugal

If you've looked at any of past posts, you will notice I order from Amazon a lot.  For me, anyone that will deliver to my house (in 2 days!) has a big advantage because I don't like going to stores. If I don't like something, I send it back. The only downside to ordering online is we constantly have to take our recycling out because there are so many boxes! C'est la vie. Here are my tips to get the most from an Amazon Prime membership ! 1. Free shipping is a no-brainier I'm going to start with the most obvious. If you want to get the most from your membership, use it a lot. Check Amazon's selection and prices for everything. Consider when you want to go to the local Target to buy something that is .50 cheaper there than from Amazon that you are also using gas, wear on your car and time to get there an back, even if it's only 3 miles away. Using federal mileage reimbursement rates ( .53 per mile ) that is $3.18, plus your time. Also, let's be hon...

Rewards credit cards can be a great way to hustle extra money for travel or just life in general. Today's credit card companies are offering bigger and bigger incentives for opening and keeping accounts and I personally am very happy to cash in. If you are carrying credit card debt or have trouble controlling your spending, I do not recommend you credit card hack. For this approach to be beneficial for you, you need to pay off your balance every month. None of these cards have paid to be in this article. These are strictly my own views about what cards are helpful. Level 1: Maximizing your every day cash back For me this isn't even really hacking, just a little optimization of what you are already doing. You already buy groceries and gas so you might as well get rewards. You want to pay for everything you buy with a credit card including gas, groceries, utilities. If it can be paid for with a credit card use one. Can you pay your mortgage with a credit card? Probably not...