Get Rewarded Buying Presents This Christmas

This is the dreaded time of the year in terms of finances, buying christmas gifts for the family and friends. Yes, there are budget presents but the next thing to consider is the number of persons to give gifts to. Pinoys are known to please as much as they can, not just the immediate family but from the "inaanak" (god child), kumpare's and kumare's (very close friends) and so on. So before dipping very deep into your pockets fellow Pinoys, there is a way to get "rewarded" buying gifts this Christmas, or at least a way to get percentage off on virtually every purchase you will make. It could be in the form of cashbacks, purchase points and discounts.

Get more loyalty points.

Whether online shopping or actual shopping is concerned, use your credit card for all of your transactions. Not only that you are covered with faulty merchandise, but of fraud as well. Credit cards also offer loyalty points, like the Nectar credit card, which you will earn nectar points in using it. If you have a nectar loyalty card, then using it along with your nectar credit card will earn you double points instead of only one from participating nectar loyalty card stores. Your nectar credit card on the other hand, can earn nectar points in virtually all stores including those with no affiliation to nectar loyalty card.

A promo under this card is just on time for the holidays. When you spend £2000 worth of products from the moment you opened your Nectar credit card, you will earn 20, 000 nectar points. This is equivalent to £100 that you can spend to participating stores like Argos, Sainsburys and among others.

Asda credit card on the other hand, gives you a cashback of 1pence for every £1 spend in store or online including george.com, and flexibility of paying it interest free for 6 months for purchases £200 worth or more.

Get More Shopping Points

Asda's 6 months zero interest + points	Collect more nectar points

Use supermarket and stores with loyalty cards 

If you are a fashion fan, stores like Outfit offers a mastercard that can give you upto 70% of savings. You will also have the the exclusive card holder only discounts for a further 20% discount on top of any existing discount. Get your exclusive invitations here.

Boots loyalty card is the most generous in terms of giving points. You'll receive 4points for every £1 spend in store or online. As a card holder, you will be the first to know about their special promos like half price products, buy 3 for the price of two and so on. Get the advantage card here.

Use social buying sites


Groupon, wowcher and other group buying sites provide lower prices compared to the real retail value of goods and services. You could get a treat of up to 90% off.

On top of this, the site also offers an incentive for existing users to invite their friends to become members and earn at least £5 for every referral. Not only that you're helping them save but you could earn a substantial amount for your effort as well. See the site for more details.

Cashback websites

May it be topcashback, quidco,  nhscashback and similar sites, they offer cashback on every purchase made when you use their links. This is the new face of affiliate site that was only accessible to webmasters before. Online costumers and all web users can now participate as an "affiliate" without the need for a website to earn something from their purchases. You can grow as much as £1000 in comission on the things you normally buy and all services you virtually need when you use this sites. I myself have accumulated almost £500 by purchasing my home and car insurance, buying my pay monthly phone, health and beauty products using this sites.

How to join and get cashback..

How To Cash In This Christmas

Here's December, the most expensive month of the year. Season of sales, 50% offs, buy one get one and so on. Companies know when people are prepared to splash their cash out to buy gifts for friends and family or for themselves. So the hard earned money is gone, well , no hard feelings especially it's gone to someone we love or something we really want.  However, there is a way to get some of this cash back. No magic tricks, no hard to follow instructions and no fee, and I can show you how. Trust me, it works!

If you are planning to  buy top of the line smartphones and gadgets this Christmas, there are many sales out there from the highstreet retailers like Carphonewarehouse, dial-a-phone, phones-4-U and many more. This is great, as they all have offers of up to 50% on line rentals,  give you free gifts and cashbacks too. Now the better news is, when you join topcashback and shop online, you can get these offers from them plus another "cash gift" of up to £141 (at the time of this post). All you have to do is less than 5 minutes of your time to join then shop as usual.

See how much you can earn from selected companies below.

It is not only phone company products that you can have something back, in fact almost everything. If you are planning to switch your energy provider, you can have at least £50 in your bank account after the switch, at least £80 for broadband and almost £200 for the combination of TV and broadband products.

To join, all you need is an email address, mailing address, and method of cashback payment, like paypal, or back account.

Join here!

It's not all money out this season, but a cash in as well. An extra something for just joining that can grow into something big when used regularly. Be smart this Christmas on where to spend your money!

Why Join Cashback Sites

With Christmas just round the corner, I am sure everyone is busy planning for their activities and making their X'mas lists. How much would you be spending for gifts this year? No matter how much money would be flowing out of your pocket, you could get back some of it by using a cashback site! Joining a cashback site is easy and worth it. Not to mention it is free to join. The clear advantage is some of the money you pay for your purchases will go back to your bank account in the form of a cashback. This could range from a few pence to hundreds of pounds depending on the purchase and percentage of the cashback.

How to Join?

A good example of a company with a good reputation is topcashback.com.  Like most of the cashback company's, it is completely free to join. You just need your postaldetails and email address and you do need a bank account to join. Why? Because this will be needed when you want to withdraw your  cashback. 

Join now and start saving!

If for any reason  you are not comfortable in setting up your bank account to receive your cashback payment, paypal account is accepted. 

How to Earn Cashbacks?

To start earning through your purchases, the next time you buy something online, log on to topcashback.com and search(1)for the site you want to buy from. If the retailer is affiliated to topcashback, the summary of how much you will earn as cashback will be shown(2). Click  cashback(2) and it will show you the latest offers and voucher codes available for the said merchant. At the merchant's topcashback page, click get cashback(3) and a new tab will redirect you to the merchant's site where you can shop. 

You can be sure that the visit you made to the site is recorded by going back to the merchant's cashback page tab.

Popular Cashback Companies

 Most of the things you need when bought online can give you cashbacks, not only from retail companies, but utility companies like power, telecommunication, financial and other services. In fact high paying cashbacks come from telecommunications and financial institutions offering mortgages and insurances. 

Maximise Your Savings

The percentage cashback you receive from the site is independent from the existing promotion of the merchant's site. This means you can maximise your savings. For example you bought a galaxy tab basing from the present offers, buying online would already save you £20 (£99.97 online compared to £119.97 in store), plus another potential saving of £10 voucher for every thing less than £100 tablets, and a cashback of 4.04% which is another £4.03 or a total of £34.03 savings. Not bad by just using the topcashback site.

Checking and Cashing In Your Cashback Earnings

The good thing about this site is, there is no threshold in earnings before you can withdraw your cashback. As long as it is already available in your account, meaning it has been paid by the company to topcashback, and it is already showing in your account, you can cash it out. 

You can check on this by clicking my account(5) then earnings(6). You can see the transactions by merchant, your click visits, and most of all the cashbacks which are payable. The amount of this column represents how much you can withdraw!

To cash in, click the payments (9) tab and you can choose between paypal payment or bank transfer. If you have not arranged for the payment details when you have set up your account, you can set it up by going to my account, then my profile, then payment details.  

Join now and start saving!

This Season's Best iPhone 5 Deal

As the festive season is on, there's a price crash on the iPhone 5 and now is the time to get it, SIM free or on contract. Several online re sellers are even cheaper than buying it direct from apple, saving you something for that leather case or additional accessories. So here's the latest offers from selected retailers.

Contract

Carphonewarehouse

The most recommended offer with an attractive monthly bundle is £36/month for 24 months. This is provided by O2 network with unlimited voice calls to any network, unlimited text cross network, and 1GB of data. You do need to pay £25 upfront for the phone, but it is still the cheapest and most attractive offer so far that I can find online. Delivery is free or you can choose to collect it from the nearest Carphonewarehouse outlet from your location. The total cost for this deal is £889. 

You can choose between black or white unit.

Dialaphone

If you are looking for the lowest effective cost after 24 months then iPhone 5 from dialaphone is the best option. For £33 line rental a month plus £49 upfront payment, Vodafone iPhone 33 is the deal for you. This gives you 600 free minutes, unlimited texts and 500MB of data. It also includes 2GB of wi-fi data from vodafone network. The total cost after 2 years is £840.96

Pay as you go

When call budget is an issue, pay as you go is a suitable option. Carphonewarehouse has a wide selection of networks to choose from offering the iPhone 5. 

Why buy pay as you go? The phone comes with a nano sim card which is ready to use and depending on your choosen network, you can have free international calls, priority tickets, buy one take one cinema tickets, free calls to the same networks and so on. The tag price is £499.95 upfront plus a £10 top up, a total of £509.95. 

SIM Free

Apple store sells the 16GB iPhone 5 at £529 upfront. Carphonewarehouse sells this for £509.95, a saving of  at least £19 which you can use to buy for a protective case or another accessory. The good thing about SIM free is you can use any SIM card from any network from any country. And if you have an existing contract  an incompatible SIM card size, you can call your network to provide you with a nano SIM card.

Accessories

Carphonewarehouse offers further savings of up to 25% off on all apple accessories including iPhone 5. Essential accessory like screen protector and case are a must to keep your device in mint condition and protect it from accidents. See details below.

Now is the right time to get yourself a new iPhone 5 at a holiday season price. I am sure you wouldn't like to miss the price drop, so strike while the iron is still hot.

Download Free Digital Contents from iTunes and Amazon

Phones became the ultimate "companion" for most of us. We can go out our houses without almost anything, but can not leave home without our mobile phones. It's second to our wallet in terms of importance, and  It feels like something is missing without it. Not just because it can be the ultimate lifeline saviour in an emergency, like being stranded in  strange places, car breakdown, or in a real life and death situation, but also a source of entertainment when on the go.

Movies, games and music, anything digital that the device can playback can be downloaded free. But most of the freebies, especially games, are just tasters. Movies and  music can be loaded into your device free of charge when you know how to convert them into digital formats your device can decode. Or download it free when you know where to go. But free downloads offered by non popular sites can be incomplete or of low quality. 

Music downloads are not that expensive, but it can be, depending on how popular and how many tracks you want to put into your device. A thousand music at 30 pence for example, will cost you back at least  £300. That's only an estimate for unpopular the music tracks. Popular artist's work can fetch at least .99 pence.

But did you know that  there are free music downloads offered by amazon and itunes? Here's how to get them.

The Free Downloads

1. Free music download from amazon

Go to Amazon MP3 section here!

Then click free under bargains category to see the latest freebies. Then just complete your order by adding your selection into the basket before you can download it.

2. Free downloads from itunes

iTunes offers freebie downloads as well, from music, books, to videos. Although it is harder to tell which category has it's freebies, you can see the items at the right side of the itune's interface.

There's a handy blog to keep track of the itune's freebies at http://freeitunessongs.blogspot.co.uk/

Tips On How To Get The Best Mobile Deal

The mobile phone is the most popular gadget at the moment. Everyday, there is something new in terms of  looks, function, capabilities, and new technologies that amazes us users. If only the new ones are initially affordable to regular wage earner gadgeteers like me I know that they would get their hands on them the moment these phones hit the shelves.

Buy Upfront

Let's take for example the Samsung Galaxy SII. When it was initially introduced it was offered at least £36 a month for 24 months contract.   If you would sum up all the bills until  the end of the contract, that is already a whooping £864. The best option is to buy it upfront from £402 to £459 sim free, and you can just use any pay as you go sim card to go with it. Buying upfront can save you at least £405 and upto £462. You can find these prices for a simfree Samsung Galaxy S2 only at Play.com.

Buy upfront if you want the cheapest way to own the latest mobile. Also when you are in a hurry to to buy one and you want to have the freedom of choosing which network to use,  or have a plan to give it as a gift.

Buy Pay As You Go

Every mobile sites has hoard of stocks on mobile phones. And from time to time, they let these overstocks go to accommodate newer models. The best time to buy pay as you go phones is when there's a new model coming up soon. Like the example above, there is a rumour of a Samsung Galaxy 3 coming up very soon. That means the Samsung Galaxy 2 will lost it's shine when the S3 becomes available. Therefore the shops will be in a hurry to dispose of their stocks.

If you have a pay as you go phone before, you can also "upgrade" it at Carphone Warehouse. The price for an upgraded pay as you go phone will be at least £10 cheaper than buying the same item as a regular purchase and you do not need to buy any call credit with it. Check with the website your eligibility.

Buy pay as you go if you are happy with the network that the phone is connected into, and do not have the plan of unlocking it in the future. If you have plan to do this, buying it sim free is a better option. Unlocking the phone will cost you at least £15 to £20, depending on the network, and other operators let you wait until 12 months before they give you the unlocking code. Unlocking it elsewhere maybe cheaper but the success and price are not guaranteed specially when it is a new model.

Buy Pay Monthly

Pay monthly contract is an attractive way of having the latest phone. Operators can give you a subsidized plan as long as you are willing to tie up with them for at least 12 months. There are a lot of promos like cashbacks, instant cashbacks, and free gifts that you can have with the new phone. New gadgets like tablet computers, laptops, game consoles are given away with these contracts especially with the longer contracts. Another attractive feature of pay monthly phones are they are usually unlocked or sim free. Except those from 3 mobile. There are high end models like the Apple iPhone that are locked even when bought with contract. You need an unlocking code or software if you'll decide to unlock it in the future.

Here's another trick. If you are about to finish your contract, call your network customer service and ask for your PAC code. This code is needed when you wish to change between operators. Naturally, operators would want to keep you in their network, They usually offer you  attractive deals only for existing customers, and from there, you can strike  while the iron is hot! Haggle for the best deal. It is also best to have an idea how much is the best deal for a particular phone before calling them and haggle. The best monthly deals I have seen so far is from Dialaphone.

Pay monthly is the best method when you want a new phone and a nice gadget in one go and do not have the cash to get it upfront.

Buy From Bidding Sites

Ebay is the first place to go when you want to get a bargain. Start with the items for bid, but if you are impatient in bidding, just check the buy it now tab and I am sure you will be able to find and can get it at a lower price than buying upfront.  Amazon is another  place if you are not keen in bidding. Just make sure to check the ratings and comments on the sellers first before you commit to buy the items, and also beware of things that are priced insanely low.

Use bidding site if you are not in a hurry to have one. And if you are going for a used phone, these sites are a great hunting ground.

Use Comparison Sites

Comparemobiledeals.com does what it says. It compares every possible deal with a specific mobile phone. The only downside is, refurbished models are included. The prices within the search are seemed to be outdated as well. But there are updated deals as well, it might be a hit and miss search but who knows you will find a better deal

Rightmobilephone.co.uk is another mobile comparison site. This is more reliable than comparemobiledeals. It is easier to use as well. You can even search with almost any UK mobile operators. You can find the best deal in at least two clicks. If you are looking for free gifts, this is also a good site to take a look at.

Good Luck!

WebRep

currentVote

noRating

noWeight