I’m a firm believer in the mantra that brick by brick a house is built.
The power of the compounding interest shows that every little bit adds up . Each brick you put into your house makes the end-goal of your house become closer.
This metaphor is a good one to use with finance. People want the house, but they don’t want to take the time to add three bricks on a day when they’re exhausted. A house doesn’t build itself – every contribution you make to your financial future will be rewarded.
Not just in the end by reaching your goals, but by doing the best you can on your journey to contribute to your financial future.
One of these small financial habits that you should add to your repertoire is utilizing cash-back portals. These companies pay you to use their app/portal when purchasing something online. Depending on the partnership they have with their network of retailers, you get a specific percentage of money back on your purchase.
Technology has made utilizing these apps almost effortless. I will go over two of them today that I use: Rakuten and Honey.
Rakuten is a cash-back portal that allows you to make a percentage back on your purchase with companies in their network. The Rakuten network is pretty extensive. For example, a quick look at their front page of deals today shows a lot. With the holiday season coming up, buying things through the Rakuten portal will give you some extra money back.
Here’s what the front page looks like today:
Please consider signing up with my referral link. If you signed up with my referral link and bought a $100 pair of Nike’s, you would earn $8 back on your purchase from the 8% cash back rebate and $30 back on Rakuten’s promotion where you earn $30 back on your first purchase over $30.
Oh – and it’s pretty easy to identify the portal to buy things through. I used H&M in this example, but the Rakuten Google Chrome browser extension does the work for you.
You can see the Cash back from Rakuten showing up on the google search results. Then when you click on the store’s website, you see the below in the upper right hand corner of your browser.
You just click on that activate cash back button and go on with your normal shopping. After you make your purchase, your cash back will be deposited into your Rakuten account.
If you would like to sign up, please use My Rakuten referral link and we will both get rewarded. We will both get credited $30 after making a purchase over $30 through the site.
Rakuten referral link: https://bit.ly/3lMmyFI
Honey is a very similar website. It is available via a chrome desktop extension and gives you “honey gold” for purchases made with the browser extension being active.
Honey made its name by automatically scouring the internet for coupons and then automatically applying the best coupon available to your purchase before you make it. It’s awesome that a company like this is able to make money, because it essentially just gives its users free coupons without them having to do any work looking for them.
I’ve earned just over $7 this year with really no effort at all.
There are more features and benefits to using honey, but I’m using the path of least resistance and only taking advantage of their coupon finding algorithm. Feel free to check out their website to learn about all of the ways that you can earn money with honey: https://www.joinhoney.com/features/honeygold
If you haven’t signed up with honey and downloaded the free google chrome extension, please consider using my referral link: joinhoney.com/ref/val0xo
This is easy and effortless money. You just download an internet browser extension (I use google chrome) and let the apps find discounts for you. If you want to use these sites for couponing, that option is available, but I’ve earned about $40 so far this year by really not doing anything other than signing up using a friend’s referral link, downloading two apps and purchasing things as I normally would.
This is an easy win that there’s no reason to skip out on – hopefully this helps you get a few extra bucks. If you found this helpful, please consider signing up using my referral links. You will be able to refer your friends/family for additional bonuses for yourself.
Are there other cash-back referral portals that I missed? Let me know in the comments. Thanks for reading!