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1. Ebates/Rakuten – This is by far my favorite website to earn cashback by shopping with select online and in-store retailers. Since I always look for inventory opportunities online, getting a small percentage of cashback on top of selling the items for a profit is a nice added bonus!
Even though I signed up for Ebates in 2015, I never really understood how it worked. In 2018 I began using the website consistently and right now I’m averaging about $1,000/year cashback. Christmas is the time where I earn the most cash back because I try to buy all my gifts online via Rakuten stores. Rakuten also has a Chrome extension you can download and it will alert you if the shopping site you are on has a cashback offer and even coupons! This has been a game changer! I don’t always think to check Rakuten for discounts but it automatically does it for me.
Signing up is FREE and you can get $10 just for registering with this link! The rebates are paid out 4 times a year. This is so that they can ensure the transactions are completely processed before paying out cash back. You can get a check mailed to your home or have it directly deposited to PayPal.
Rakuten has hundreds of stores to choose from – here are some examples of how I try to use it to the max!
During the holidays, they offer huge cashback percentages for floral deliveries which is great for us because we always send centerpieces to our families. One time I got 40% cashback on holiday flowers due to ordering them on a one day triple cashback sale day! FTD was my highest cashback transaction with $30.18 returned to me.
Office supplies. You can see above I have several transactions for OfficeMax. Some of those were things I use for my business and others were donations we made to a school fundraising drive in Aaron’s hometown. But, I also used a combination of Ebates/Rakuten plus Groupon and a Groupon promo code to save over 50% on my amazing clothes steamer! Don’t ever be afraid to use multiple coupons if allowed.
Online Arbitrage. When I’m looking for great deals to resell in my Poshmark closet, I always try to look for places like Neiman Marcus Last Call and Nordstrom Rack who often have cashback bonuses on Rakuten.
Make sure to sign up for notifications, because there are frequently 2x, 3x and even 10x cashback days!
2. DOSH – Dosh is another app similar to Rakuten but it is only an app and does not have a web browser extension. You add your credit card information to the app, select which deals you want to earn and then they track it based on your purchases.
Once you start earning cash back, you can transfer it out to your bank accounts or PayPal. Their program runs mostly on their DOSH app.
3. SoFi – The best decision Aaron and I made was to consolidate some credit card debt after my major medical surgeries. We were able to secure a low-interest personal loan with a manageable payment for us to keep our credit scores higher, reduce our debt to credit ratio and decrease the amount we would end up paying overall. SoFi also offers student loan refinancing but I was able to refinance mine shortly after college so I currently have very low rates.
SoFi recently added SoFi Money to their growing list of services. It is a no-fee online bank account with access to thousands of ATM’s. This is a GREAT way to separate your reselling or side hustle finances from your personal accounts without having to open a business checking account. For instance, I opened a business checking at PNC and because I don’t maintain certain high dollar balances or meet deposit criteria, I pay monthly fees on top of other things just to have a business checking account with them.
One of the best things you can do for your business is to separate your personal and business finances through a business-only bank account.
4. Honey – Honey is a free browser extension that helps you find the best deals all over the internet. It automatically searches and applies promo codes, saving you the hassle and time of hunting for them yourself. Once you’ve installed the web extension, a little box will pop up during the checkout page and ask if you want to apply coupons.
One of the great things about Honey is if you use their services, you accrue points for your purchases and are then able to cash them out for gift cards at popular stores. I just earned a $20 gift card to Target!
The great thing about the browser extensions, is you get an opportunity to see if Honey or Rakuten is a better deal for your purchase.
5. And Finally – Ibotta
I have a few dollars pending from Ibotta but I never remember to upload my receipt after my purchases. A few years ago, I started to get into couponing but my brain just didn’t work calculating all the coupons, prices, deals, etc. and I gave up. Ibotta has lots of offers for specific products, bonuses if you buy them and such. And then you can cash out your funds.
You can connect your rewards cards for the different stores as well and even pay with the app when you have your credit card connected. If you want to give Ibotta a try, just register through this link and get $10!
Easy Peasy!
These are some of the great ways I learned to save money over the years of running my own business. Obviously, this is just a way for you to get started and test the waters but I think it’s a great place to explore and see what program you would use for your own business.
Do you have a great money-saving app or program to recommend? Please comment below – I’d love to check it out!
Until Next Time,
Rebecca
The Bexa Boss Lady
P.S. You can try out many of these programs by using my Reseller Toolkit that will give you every product I use in my reselling business!
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