Raise.com: Additional $10 Off Gift Cards Cyber Monday (11/27 Only)

raise0Raise.com lets you buy and sell gift cards online and instantly via app, and according to them they are the largest online marketplace for gift cards. They offer a 1 Year Money-Back Guarantee against gift cards that don’t have the promised value.

Lasting until midnight Central 11/27/17, they are having a Cyber Monday Sale. Get an additional $10 off sitewide with promo code CMRAISE. Minimum order $100. This is in addition to any existing discounts shown.

IKEA Gift Cards: Buy $100 in Gift Cards, Get Free $20 eGift Card

ikea0IKEA has a limited-time promotion where for every $100 gift card that you buy online, you will receive a bonus $20 eGift Card. There doesn’t appear to be a limit. Expires on Monday night, 11/27/17 at 11:59PM EST. Selected terms and conditions:

For every $100 in IKEA gift cards purchased online from IKEA US in a single transaction, you’ll receive a free $20 IKEA eGift card delivered via email to the email address associated with your purchase as a special thank you. Sales tax, shipping or other charges will not count towards the qualifying $100. Limited time offer, valid only for online gift card purchases made November 24 to November 27, 2017 11:59PM EST. Offer only valid for IKEA US. Not valid on previous purchases or for cards purchased in-store. May not be combined with any other offer.

You could split the $100 into 2 x $50 or 5 x $20 for holiday gifts, or you could use the gift cards yourself and stack with this $25 off $150 coupon.

Discount Magazines Black Friday Sale 2017

moneymag2016DiscountMags.com is running their Black Friday Blowout Sale through Sunday 11/26. Nice time to either get some gifts or just lock-in cheap pricing for multiple years. Here are some sample magazine prices during the sale.

  • Consumer Reports Magazine. 1 year 13 issues for $18.49 ($1.42/issue)
  • Money Magazine. 1 year 12 issues for $$4.75 ($0.40/issue)
  • Kiplinger’s Personal Finance 1 year 12 issues for $5.49 ($0.46/issue)
  • Outside Magazine. 1 year, 12 issues for $4.15 ($0.35/issue)
  • ESPN. 1 year 12 issues for $3.75 ($0.14/issue)
  • Men’s Health / Women’s Health. 1 year 12 issues for 4.50 ($0.38/issue)
  • Better Homes & Gardens. 1 year 12 issues for $3.89 ($0.32/issue)
  • Us Weekly. 1 year 52 issues for $9.96 ($0.19/issue)
  • Wired. 1 year 12 issues for $3.99 ($0.33/issue)
  • Popular Science. 1 year 6 issues for $3.89 ($0.65/issue)
  • Rachael Ray Every Day. 1 year 10 issues for $3.89 ($0.39/issue)

Importantly, DiscountMags does NOT require auto-renewal, where they charge your credit card automatically at the end of the subscription period at a higher price. This mean you never have to call in to cancel, and makes it easier to shop for another deal later. No sales tax, no other funny charges.

Target Black Friday Promotions: 20% Off Coupon, 15% Off Sitewide

targetbf2017bTarget has announced their Black Friday and Cyber Monday week promotions. Here are the more general deals and those that can be used on everyday purchases.

  • Wednesday 11/22. REDcard holders always get 5% off, but on Wednesday 11/22 they will also get early access to select Black Friday deals on Target.com.
  • Black Friday 11/24. If you spend $50 at Target in-store or Target.com on Friday 11/24, you will receive a 20% off coupon good on a future shopping visit between 11/28 and 12/10/17.
  • Cyber Monday 11/27. Target.com will be offering extra 15% off site-wide on Monday 11/27. Last year, there was a similar promotion where certain brands that rarely go on sale like Apple and Kitchenaid items were included. Gift cards will probably be excluded.
  • Early December? Last year, Target offered 10% off gift cards for a limited-time in early December. I will update if that is available again.

Look for free shipping on most orders and free same-day pick-up in store. Target REDcard holders get 5% off most items.

If you shop online, don’t forget to stack the savings from a cashback shopping portal. Many offer new customers bonuses, including eBates ($10 bonus), TopCashBack (bonus varies, but often has best rates), and BeFrugal ($10 bonus). eBates even offers cashback in some physical stores now as well. I have cashed out of all of these before.

Amazon Prime: Create Pet Profile, Get 20% Off Pet Food Order

azpetsAmazon Prime members can get 20% off their next pet food and treats order (up to $20) after they create their first pet profile. It’s free to create a profile and they include cats, dogs, horses, birds, fish, turtles, and more. You can also sign up for future pet-related promotions and discounts.

Order must be “sold by Amazon.com” and completed within 180 days of profile creation. Promotion will be automatically applied at checkout and will apply to Subscribe & Save orders. Overall, a relatively easy 20% off an entire order of items in the “pet food & treats” category. I might even double up my order to max out the $20 discount and cancel my usual Subscribe and Save.

Capital One Spark Cash for Business Credit Card $1,000 Bonus

Update 11/19: This offer appears to be expired. Many of the better deals don’t last very long.


Here’s a special link for the Capital One Spark Cash for Business Credit Card that includes a $1,000 cash bonus once you spend $10,000 on purchases within 3 months from account opening. There is a $59 annual fee that is waived for the first year. The fine print states that “Existing or previous Accountholders may not be eligible for this one-time bonus.” Note that there are multiple kinds of “Spark” cards, and even other offers for this Spark card with lower spending requirements and lower bonus sizes. Take a screenshot if you apply.

The spending requirement of $10,000 within 3 months is pretty high, but the Spark Cash for Business also a flat 2% cash back on all purchases so at least you won’t be giving up good rewards elsewhere. This also means that after you spend $10,000 within 3 months, you’ll get $200 cash back + $1,000 bonus cash = $1,200.

Here are the cash back redemption options:

How do I redeem my rewards?
You can get your cash back upon request in the form of a statement credit or a check. You can also set up an automatic redemption preference; options include: (1) at a set time each calendar year or (2) when a specific threshold ($25, $50, $100 or $200) has been reached. Just go online to capitalone.com or contact our Rewards Center. You can also redeem for credits for previous purchases, gift cards, and more. Rates for these redemption options may vary and are subject to change without notice.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. Why? Because any individual can be a business as well. The business type is called a sole proprietorship. Your business name is just your personal name, and your tax ID number is your Social Security Number. Whether you have a small business with just one employee or over 100, it is important to track your your business expenses and keep them separate from your personal finances. This applies even if you are starting out small with a blog/website, eBay, Etsy, Amazon store, Uber, Lyft, etc.

Bottom line. This special offer is perfect for someone with a small business that is looking to make a large purchase on equipment, raw materials, inventory, taxes, or advertising. If you put $10,000 on purchases within 3 months of account opening, you’ll get $200 cash back (2%) + $1,000 bonus = $1,200 total.

Starbucks App: Load $20 w/ Chase Pay, Get Gold Status + 300 Bonus Stars

starbucksStarbucks and Chase Pay have a new promotion that gets you 300 bonus stars when you load $20+ via Chase Pay on the Starbucks app. Click the link for specific instructions for iOS or Android phones. Expires November 21st, 2017. Easy to sign up and my 300 points showed up quickly.

  • 300 stars is enough to earn Gold Status (or renew your current Gold status), after which you can redeem 125 stars for a free food or drink on the menu at Starbucks.
  • Chase Pay requires you to have an eligible Chase Visa consumer credit card, debit card, or Chase Liquid card.

300 stars can be valued at over $10 pretty easily, as every 125 star reward can be redeemed nearly any food or drink item on their menu. Besides a huge Venti caffeine/sugar bomb, most of their lunch food items are over $5 and some are closer to $9. They now have protein boxes, protein bowls, hot/cold sandwiches, and more. Alcoholic beverages are excluded.

What can I redeem my Reward for?

Starbucks® stores: one [1] complimentary handcrafted beverage [standard Starbucks menu sizes only], food item or ready-to-drink bottled beverage at participating Starbucks stores.

ZOE XL2: Our Favorite Lightweight Double Stroller for Travel


If you have young children and like to travel, you likely appreciate a lightweight stroller that still retains those small-but-important features.* After trying out several different brands, our family favorite is the ZOE XL2 double stroller (see 600+ reviews, buy direct from ZOE as a third-party seller). They aren’t a big name brand and you won’t find them in any major big box retailer.

This double stroller weighs only 16 pounds and the single stroller only weighs 10 pounds. That means this double stroller is lighter than many single strollers. How? They made it from aluminum as opposed to steel. Meanwhile, it still has quick-folding capability, extended shade canopies, 135 degree recline, lower basket, and snack/cup holders.

We’ve taken the ZOE XL2 on multiple extended international trips and the weight savings makes a big difference. It can be hard to explain until you compare it side-by-side with strollers that call themselves “lightweight” yet are twice as heavy. Weigh your current stroller and compare! Both of us can carry the XL2 with one hand.

There are also cheap “umbrella” double strollers, but they lack the extended shade canopies and/or deeper recline that allows for easier naps in the stroller.

Our only warning is to keep the removable cupholders in your carry-on bags if you don’t use a gate check bag. (We also recommend a gate check bag for protection. Yes, it’ll get beaten up and probably torn after about 10 flights. I think of it as paying less than $2 per flight. Besides, would you rather have the abuse be inflicted directly upon your stroller?)

Right now ZOE is liquidating their stock of returned and open-box strollers. The prices and discounts vary, but as of this writing you can get the XL1 for $100 and XL2 for $190. They promise it to be “like new” and never taken outside. This is not a sponsored or paid post, we are simply happy customers and they announced this sale to their mailing list members.

* I’m not saying this stroller is only for travelers as it is our “daily driver” as well, but it does cost more than some other value brands. A few more pounds matters less when you’re not carrying it through airports and pushing it 10 miles a day up and down hills.

JetBlue Plus Credit Card: 60,000 Point Limited Time Offer


Update – This offer is now EXPIRED.

The JetBlue Plus credit card by Barclaycard has a new special offer for 60,000 bonus TrueBlue points after spending $1,000 on purchases in the first 90 days. Valid for first-time cardmembers. Expires 12/31/17. This is the double the standard offer of 30,000 bonus points and also higher than previous bump-ups to 40,000 points. Highlights:

  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. – Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • First checked bag is free on JetBlue-operated flights.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • Earn 5,000 bonus points every year after your account anniversary.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Enjoy Mosaic benefits for one year after you spend $50,000 or more on purchases after your anniversary date.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • Get a $100 statement credit after you purchase a JetBlue Getaways vacation package of $100 or more with your JetBlue Plus Card.
  • $99 annual fee.

Free checked baggage perk can be valued at $25 to $35 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. If you buy higher fare classes, a certain number of complimentary bags may already be included. Here is a chart of JetBlue’s baggage fees:


How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is opposed to traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won’t cover them here.

TrueBlue points can be estimated at 1 points = 1.4 cents. Ex. 30,000 points would cover $420 in JetBlue airfare. The exact value may vary, but 1.4 cents is very close to what I found across Blue, Blue Plus, and Blue Flex fares. You can easily test it out yourself by pricing out the same flight on JetBlue.com using points or cash.

This means 2X points back on restaurants and groceries can be estimated as 2.8% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 4.2% back in the form of TrueBlue airfare. The 6X points back with the Plus card on Jetlue-operated flights can be 8.4% back in the form of TrueBlue airfare.

Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($70 of airfare value at 1.4 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven’t investigated the $100 off a JetBlue Vacations package, but it could be worth something as well.

Bottom line. At 1.4 cents per TrueBlue point, 60,000 bonus points can be valued at $840 towards JetBlue fares. Add the baggage perk which you could value at an additional $50 per roundtrip Blue fare, per person. Minus the $99 annual fee, and that is still a very solid sign-up incentive for even casual JetBlue customers. If you are a frequent JetBlue flier, the 5,000 point anniversary bonus and other perks can create additional ongoing value.

IKEA In-Store Discount 2017: $25 off $150 Coupon

ikea0Back again for this holiday season, IKEA has a printable $25 off $150 coupon [pdf] that is valid until December 24th, 2017. The coupon states that you can also show it on your phone at checkout. Valid in US stores only. Here is selected fine print:

Not valid on IKEA Kitchen Event offer, IKEA services, Eat for Free or Kids Eat Free IKEA Food Offers, IKEA FAMILY Individual Kitchen Planning Service Offer or in the IKEA restaurant or Swedish Food Market. Not valid on previous purchases or the purchase of IKEA Gift Cards.

These coupons are pretty rare, other than their ongoing $25 off $250 moving coupon.

Veterans Day Discounts: 10% Off Target for Military Families Until 11/11


Target is offering a 10% off discount coupon for active duty military, veterans and their spouse and/or dependent children. Offer is valid for a single use at Target and Target.com through Nov 11th. A nice gesture of appreciation towards our military and their families. There are a few exclusions:

*Excludes alcohol, Bose, CVS clinic & pharmacy, dairy milk, DSLR camera & lenses, Elf on the Shelf, select games (Cards Against Humanity, Joking Hazard, Exploding Kittens, What Do You Meme, Bears vs. Babies), gift cards, Google products, GoPro, LEGO, LG OLED TV, Nintendo hardware & Switch software, Playstation 4, prepaid cards, Sonos, Target Optical, Mobile contracts, Traeger, Tylenol, Weber, WellieWishers, Xbox One, Xbox One X.

You can find an exhaustive list of Veterans Day Free Meals and Discounts at The Military Wallet.

Groupon: Free 60-Day Kindle Unlimited Membership w/ Finance Book List


Groupon is offering a Free 60-Day membership to Kindle Unlimited. You must not have had been a KU subscriber within the last 12 months. A Kindle Unlimited (KU) subscription usually costs $9.99 a month and includes free access to a special library of over 1 million eBooks, thousands of audiobook narrations, and current issues of various magazines. As with Netflix, when the membership ends, your ability to read the books end as well.

After making the purchase, you must “view” the voucher and redeem the unique code here. Note that you must link a credit card and they will charge you $9.99 a month after the initial 60 days by default. To prevent this, you can visit here and cancel the auto-renewal. It will says something like “Your benefits will continue until January 6, 2018, after which your card will not be charged and your membership will end.”

What books are included? You can view all Kindle Unlimited books here. You can search Kindle Unlimited titles here after clicking the “Kindle Unlimited Eligible” box on the top-left. There are is a mix of a few bestsellers, some older classics, and a lot of independently-published titles of varying quality. Here are some finance-related titles that caught my eye:

Kindle Unlimited authors get paid per page that is read. Therefore, your reading can support their efforts.