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10 Ways to Save *NOW* for Next Christmas

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Save NOW for Christmas Hip2Save

Did you know that the average shopper planned to spend over $880 on gifts this past Christmas?! Although the Christmas season has come and gone, it’s never too early to start saving and shopping for next Christmas! If you’re looking to plan ahead and save BIG this year, here are 10 easy ways that you can start saving right now

1.) Buy Clearance Deals Throughout the Year


As you know, Target hosts toy clearance sales every January and July where you can save up to 70% off select clearance toys and possibly other items throughout the store! This is a great time to snag items at a deep discount for Christmas and even birthday parties during the year. Plus, other stores offer after-holiday clearance deals, which make for frugal gift ideas.

2.) Sign Up for Survey Sites


Sign up NOW for various survey sites that will pay you in return for sharing your opinion. Then, put that designated money/gift card(s) aside and use it for holiday expenses only. Most companies will pay via check, PayPal, or you can submit for a reward by mail after youโ€™ve accumulated enough points to cash out. My top 5 survey companies are โ€“

* PineCone Research (rated #2 on Survey Police)
* e-Poll (rated A+ with BBB)
* Harris Poll Online (rated A- with BBB)
* Inbox Dollars (rated A+ with BBB)
* Toluna (rated A+ with BBB)

3.) Start Your Christmas Fund NOW


Did you know that if you put aside ONLY one dollar every week for an entire year (52 weeks), you’ll have over $1,300 saved up by Christmas? It starts with saving just $1 the first week and adding a dollar to it for every week that goes by. You’ll add $2 the second week, $5 the fifth week, $25 the twenty-fifth week, $50 the fiftieth week and so on. By the end of the 52nd week, you’ll have a total of $1,378 to put towards holiday expenses, giving back to families in need, holiday parties, teacher gifts and more!

*Hip Tip – Print out this FREE Money Challenge Form (PDF) so you can keep tabs on when you’ve completed your deposits. ๐Ÿ˜€

4.) Put Aside Earned Gift Cards

Gift Cards

If you’ve purchased participating items during a sale that have qualified for a Free gift card (Target has these sales often!), consider putting aside these earned gift cards in a special “holiday envelope.” Then, as Christmas draws closer, you’ll have a stash of gift cards to use at various stores to purchase items or use as holiday gifts.

5.) Eliminate Dining Out Once Per Month

Family Eating

Did you know that the average American family spends $250/month ($62.50/week) eating out, purchasing quick snacks, and ordering coffees ordered on the go!? Yikes! Consider cutting down the cost of dining out – even if just once per month – and save around $63 per month to put towards holiday expenses.

6.) Sell Unwanted or Unused Items

Sell Clothes

If you have baby gear, clothes, purses, shoes, household appliances, furniture and other items that are collecting dust or aren’t being used, consider selling your items on Craigslist, eBay, thredUP, Nextdoor or even hosting a Garage Sale to earn some cash. Put that money aside into a Christmas fund and youโ€™ll thank yourself later.

7.) Round Your Balance Statement DOWN

Writing Checks

When paying the bills each month, “round down” the BALANCE on the bank register to the next even amount. For example, if you have $400 in your account and write a check for $287, do the calculation and replace the new total with $110 in the balance box, instead of $113. Then, write a “dummy” check to yourself for the $3 difference, place it in an envelope, and deduct it from the checkbook register slip. Be sure not to cash the check, but hold onto it for Christmas purchases. Over a few months, it will add up!

For example: Take $400 in your checking account MINUS $287 for the check written = $113 balance. Round $113 down to $110 and then take the $3 balance and write a check to yourself.

8.) A Penny Saved Is a Penny Earned

Loose Change

Find loose change under the couch, in the car or at the bottom of your purse? Or think it’s not worth your time to pick up those random coins on the sidewalk? Consider saving every penny or coin you find or get back and keeping it in a jar. Then, at the beginning of December, take the jar to the bank and cash it in…you may be amazed and how those coins add up!

9.) Put Aside Rebate Checks & Rewards


If you’re purchasing items throughout the year that qualify for a mail-in rebate, consider saving those checks or reward cards for future holiday expenses. You can earn cash back from online purchases through or AND rebates through grocery shopping apps like Ibotta, Checkout 51 and Snap by Groupon.

10.) Re-gift Unwanted Gifts


Did you get something you already have this past Christmas or birthday? Or maybe you received a gift that you simply didn’t want or can’t use. As long as it’s not something that will spoil or go out of style quickly, consider hanging onto those items and re-gifting them to someone who may enjoy it and be able to put it to use.

Join The Discussion

Comments 130

  1. Catie

    Love a lot of these tips! Thanks for the suggestions!

  2. Tracy

    Am I the only one that’s confused by #7?

    • calsun12

      Hi Tracy –no you aren’t – I thought I was good with numbers and the like –but this one makes no sense to me. ๐Ÿ™

    • Dana

      Same, I don’t understand it

      • Maite

        Nope! Not a clue!!!!! ๐Ÿ˜‚

      • Missy

        I think it should be rounding up? If the bill is $287, write that the bill is $300 and write yourself a check for $13?

        • Anne

          I’m really good a math and it makes no sense! If you round down like that, you’re going to be overdrawn. Furthermore, if your car payment or student loan is $287, you can’t just pay $200 and save the other $87 for Christmas.

          • Adrian

            You write the check for $287 to pay your bill, but in your checkbook you round that amount up to $300. You write yourself a check for the difference($13) to save it. It can be said 2 ways: 1-You round the amount of the bill up(in your checkbook register, not the actual check you pay you bill with). 2-You round your checkbook balance down in order to save.

    • GA

      No. I don’t get it either. If my bill is $287 I have to pay $287… therefore there is no money to write myself a check for… I’m confused

    • calsun12

      Hi Tracy–nope. I understand numbers (money) pretty good– but that just confuses me terribly.

    • Tracy

      I’m thinking it should be “round up”.

    • AJW

      Nope, I’m totally lost with that one. I used to do what I think she is trying to say but I did it in much smaller amounts. If the bill is $281.86, for example, I would write the check for that amount but then put $285.00 in my register. Over the year, the difference would add up. But how it’s explained in #7 makes no sense to me.

    • Jennifer

      They are meaning pay the bill for the amount, but when you put it in your check register, but the lower amount (like in this case 200). Take the money that is the difference and set it aside in an envelope.

        • Anne

          You’re going to be overdrawn if you do that. It simply doesn’t work. If the bill is $287 you have to write $287 in your register or you won’t have enough to cover it.

        • LisaLisaLisa

          What she is saying is correct. For example:

          $400 in checking account
          Minus bill for $287 equal $113

          However, instead of writing down that you have $113 left in your checking account write that you only have $110

          This leaves $3 extra in your account that you pretend you don’t have until Christmas.

          The rounding down that she is referring to is on from $113 to $110.

      • Ashley

        But then that $87 check isn’t worth anything because it was spent on the bill…

        • Jennifer

          Ummm…you write yourself a check for $3, so you have $3.

      • Michele

        Sorry that makes absolutely no sense.

    • maddie

      No… I am as well. I feel like it should say round up… so youd write a $300 check keep the 13 and pay the 287…. I dont think the bill companies would be pleased to get a heck for lower LOL

    • Andrea

      There are going to be some bounced checks from this one. If you pay a $287 bill but record it as $200 you’re going to think you have $87 more than you really do! It should be round up.

    • Michele

      I just read #7 like ten times and still didn’t get it. Had to go to the comments to see if I was missing something!

      • Kathy

        Me too! Glad for the comments section…

    • Happymama

      Completely! Can we just change it to: “7.) Follow Hip2Save religiously.”

      • Happymama

        Ug I meant I’m so confused too, lol

    • Collin (Mrs. Hip)

      Sorry all! I think I understood where the confusion was coming from and have updated it to hopefully make more sense. Hope that helps!

      • Diane

        Hi Collin, I understand what you are saying with no confusion but I see that a lot are confused so maybe they can save this way instead. “52 week money challenge” During the first week of the year, you save $1. During the second week, you save $2. Keep adding a dollar each week so that during the last week of the year, youโ€™re socking away $52. Even without interest, this adds up to $1,378 over the course of a year. I have been doing this for the last 3 yrs. works great! I hope this helps some. ๐Ÿ™‚

    • Carla

      I didn’t find it confusing at all…it simply says to actually pay what you owe, but WRITE down for your records that you have less left over (after subtracting what you paid), so that you ACTUALLY have $ set aside…round down…makes sense

      • K

        Yes Carla that’s exactly how I read it. This might not work for someone who does online banking because it will always show the actual. If you don’t understand it don’t do it. There are a lot of other suggestions.

    • debiannj

      Maybe it’s common core math?

      • Satya


      • JA

        Oh my, that’s so funny! I literally laughed out loud.๐Ÿ˜‚

  3. kimber

    Can someone who is better at math than i am, please help me understand the one about rounding bills down?

    • adria

      She means write over the amount. Write the check for $287, put in ur book u wrote for $300. Write urself a check for $13 and put it aside I think.

      • Collin (Mrs. Hip)

        Yes, that is the point! ๐Ÿ™‚ Sorry for the confusion!

        • Mini

          If adria is correct, can you please edit and fix the original post because it is making everyone confused. Thanks.

          • Anne

            I agree! Please fix the post. I’m really good at math and it doesn’t make sense as written. Plus do you really want a reader to follow that advice and get overdraft fees?! ๐Ÿ˜‰

          • Collin (Mrs. Hip)

            The point behind it is if you have write a check for a bill that is $287 THEN in your bank register write down that you only paid $200. Next write a check to yourself for $87 and put it aside in an envelope (don’t cash it). When you go to balance your checkbook each month, you’ll actually have a “negative” balance of $87. Then when the holidays come around, you can cash the checks to yourself and use them towards your holiday fund. Hope that clarifies things a little more! ๐Ÿ™‚

            • Kristy

              If you wrote a check to yourself doesn’t that further mess up your registrar by having an unrecorded check? What? I’m confused.

            • debiannj

              Don’t forget that checks only have a 6 month shelf life. If you write a check in January and present it in December to be cashed, the bank will not cash it. I have been sending $40 a month to my mom and went to present the checks to her bank and they refused anything that was over 6 months old.

    • gilly

      Yup. Needs to be explained again

    • Kasey

      I think maybe it means for any bills that end up being different that month (by less) go ahead and set aside the difference. Like if you plan on your bill electric bill being $287 and it comes and it’s only $200, pay it but still set aside the $87. Too bad the only time my bills come for an unexpected amount it’s more than I expect! Lol

  4. Teresa

    Thanks! Really useful tips I will start using today.

  5. Amy

    If the bill is $287 and you write $200 in the check register, you’re actually off by $87 in the negative. I think it means that if you write a bill and the balance in your checkbook should be $287, you write $200 in the checkbook. Then you write an $87 check to yourself.

  6. Cathy

    Confusing….but it’s the checkbook BALANCE. If your balance is $287-write a check to yourself for $87…leaves a $200 balance in your checkbook tally. Save the $87 for holiday shopping. Personally, I couldn’t afford to do this.

    • gilly

      How is the bill getting paid? What is a check register? And how is that saving money? Seems like bogus check writing. No offense meant.

      How would this work for online banking, mint etc.?

      • Jennifer

        All good questions. I’m wondering about the check register myself. I only use debit cards and online bill pay through my bank.

    • Collin (Mrs. Hip)

      “Sorry about that! I think I found where the confusion was coming from and have updated it to hopefully it makes more sense. Hope that helps!”

  7. Casey

    I did the $1 a week thing last year to help pay for our Disney trip. It’s so easy. I do switch December for a month in summer, though.

    • Catie

      That’s a smart idea, when expenses are not as cumbersome. Thanks for the tip!

      • Katie

        We’ve done that in the past, but for us we put a chart of all the weeks and the amount you’re supposed to put in for each week. When we’re feeling “rich”, we knock off one of the $45+ ones, when we’re broke, we cross off a $2 one!

        • Hannah

          I like this idea!

    • Amy

      And I will probably do the same thing. I would have never thought to do this for Disney if you didn’t mention it so thank you! ๐Ÿ™‚

    • Diana

      I think I’m going to start this one now! I’ve also seen where you flip it and work down, so $52 the first week and then $1 the last week.

    • Brandon

      I transfer 26.50 each week and you get the same results

      • Catie

        Thanks for the calculation–I was going to try to figure that out too so I don’t have to manually do it!

  8. Julie

    I don’t get it either. I thought it would say to write $300 in your register and pay a bill for $287, leaving $13 extra in your account.

    • gilly

      Yes that is sensibl. Maybe its a riddle. Hehe

    • Collin (Mrs. Hip)

      “Sorry all! I think I understand where the confusion was coming from and have updated it to hopefully make more sense. Hope that helps!”

  9. jennifer

    Did she mean to say $300 and put that extra money back..hmm.. I’m just not sure ?

    • Collin (Mrs. Hip)

      Hi Jennifer! I’ve just updated the wording. Hopefully that makes more sense! Hope that helps!

  10. Melissa

    I rack up my Walmart Savings catcher for the year and then cash it in for Black Friday deals ๐Ÿ™‚

  11. Catie

    For number 3, I started an account in a bank that I have a savings account only, that way I will not be tempted to use it throughout the year. Then when the holidays come, I will just transfer the funds to my regular bank for use.

  12. Kasey

    Thank you for the tips! I have two savings jars going this year! One for Christmas and one for a (bigger than our usual) family vacation summer 2017. For the Christmas one I’m setting aside all my rebate money, Ibotta, ebates, etc. As well as all of my earned gift cards. I did this last year and ended up with well over $500 for Christmas spending. For the vacation when I am putting all money I get from odd jobs such as during cleaning for people. Also anything that I sell on the local Facebook swap and the money that I make from the yard sale I’m having this summer will go in there as well. When I have small amounts of cash on hand I spend it on silly things like snacks but when I put it aside like this it really adds up fast!

  13. amy

    You could also set aside some money if you get money back from your tax returns.

  14. Christine

    Reallllly confused by 7? Is the suggestion to not pay the whole bill?!? What?!?

    • Collin (Mrs. Hip)

      Hi Christine! I think I understand where the confusion is coming from and have updated the info on that one! Hope that helps!

  15. Terri

    Walmart savings catcher is a good way also, I will save that for Christmas groceries, coke rewards, swagbucks all offer gift cards, receipt hog is super simple and ebates I set aside, loose change is a great one, and I have an amazon credit card that you earn points with that you can roll onto your next amazon order or save, so lots of ways to save up.

  16. Sharon

    On #7 you definitely do not want to write $200 in your checkbook. You would be far below what your balance shows, which could get you into trouble. You definitely would want to round up and save the difference.

    • Collin (Mrs. Hip)

      Yes, sorry for the confusion Sharon. I just updated #7. Hope that helps!

  17. Jessica

    I have a feeling a lot of people are going to get overdraft fees due to #7…..

    • Collin (Mrs. Hip)

      Just fixed how #7 reads. Sorry for the confusion Jessica!

  18. Lindak

    I would not advise saving rebate checks as often they expire in 6 months or less. #7 makes no sense to me either.

    • Collin (Mrs. Hip)

      I think I understand where the confusion is coming from. Just updated #7. Hope that helps!

  19. Diana

    I’m looking for some feedback on some survey sites. What are favorites? I currently am enrolled in pinecone and swagbucks. Looking to sign up for a few more.

    • Renee

      My fav is Pinecone Research! I’ve tried three diff ones and they are by far the best!

    • Amanda

      I like pinecone research, and toluna

      • Diana

        Do you have a referral code?

  20. Jean

    For anyone that still uses cash to shop with, pay with bills and put the extra change from your purchase into a change jar. It is amazing at how fast the jar fills up!

  21. Brittany

    Do people actually spend $1300 during Christmas!? Maybe I’m just cheap but I can’t even fathom.

    • Suzanne H

      I think it depends upon how many people you have to buy for, how generous you wish to be, do you include planned charity giving in that amount, do you include the amount you spend on extra food in that amount, etc. For me, yes, I do spend at least $1300 on Xmas by the time it is all said and done. I get our rugs cleaned before Xmas, get the dogs groomed, buy gifts, give to our favorite charities, etc. Not to mention, all of the food for everyone to come to our house and eat multiple meals over several days generally runs me $400-$500 alone! Thankfully, for now, we can afford it and I do not go into debt for any of it (or I wouldn’t do it). That said, everyone’s budget and ideas on what is appropriate to spend is different – that doesn’t mean you are cheap!

    • Judy

      me either, we spend around $300: $100 cash for both nieces is the biggest part of it, then one gift for each of our two kiddos, and for 4 godchildren for the balance. We do not buy for adults. I try to use Plenti Points for gifts from Macys, or other freebies if necessary, but CANNOT imagine spending $1000+

    • Joeyk

      Unfortunately we do, about $200 each for our four immediate family members…then $20-$35 per niece/nephew, parents and grandparents, adults exchange $50-$75 gift in my family, hubs extended family does a large exchange, school gifts…we also include buying a tree, outfits for the kids, Christmas cards and food for holiday parties. It adds up we budget in $125-$149 every month through December

    • Cari

      I could spend $1300 just on one kid lol

  22. Brittany

    Lots of great suggestions but I think maybe #7 should be re-worded because a lot of us are getting stuck on it!

  23. Daisy

    Collin, I absolutely feel awfull right now.She does a lot good stuff for us , every single day.Making us smile, telling about good deals.She is making my life so much easier then it was before.I simply love you.Instead of appreciate her efforts People try to point out one simple mistake like SHE HAS DONE A BIG CRIME. Try to give her a respect what she does. Why everyone has to point at that same mistake.Sorry collin ๐Ÿ™

    • Amy

      ๐Ÿ‘๐Ÿป Agreed. People keep repeating the same issue as if no one has pointed it out and she hasn’t addressed it. Maybe they’re bored.

      • Tracy


    • tracy

      I agree. I’m looking at comments for more ideas, and can’t believe so many people complaining about 7. Forget it, and use the ones you do like. I’m trying to save all my ibotta up till next Christmas! $18 so far! ๐Ÿ™‚

      • Mel

        Agreed! Thank you Collin for all you do! Some people don’t appreciate anything…she posted this to HELP US! If you don’t understand it or don’t like it…MOVE ON to the next post!

        • Marie

          That is exactly what I thought when I was reading through the comments. Why does everyone have to keep pointing out the same mistake. Geez!

        • Ashley

          Why is it a crime to not understand something? She did post this to help us, and continued to help us by explaining it further when we were confused. I don’t think anyone was rude, they were just trying to understand.

        • Kya

          I’m sorry, but no way. If you don’t understand something then move on? No, if you don’t understand something, ask for clarification. I feel bad for your kids, if you have them. There’s probably a lot of confusion in your home, if that’s your attitude about it.

    • Ashley

      Everyone was confused. She fixed it and clarified what she meant. Of course everyone is going to point it out. If everyone ignored it the tip wouldnt have been very helpful… Obviously she does an awesome job. Just because people were confused doesn’t mean they weren’t grateful…

    • Sar

      People weren’t being rude about it. People weren’t even sure that it was a mistake. The problem was that people were truly confused by the wording. They were trying to understand it, not trying to bash her. I think you’ve misunderstood. I always ask questions when I don’t understand something, there’s nothing wrong with that. Don’t make it something it’s not.

    • Heather C.


  24. Mindi

    My husband has $50 a week direct deposited into a Christmas Club account from his paycheck. The check comes mid to late October. We don’t spend the whole amount on Christmas. With my husband being the only one working, he has a lot of unpaid days around the holidays off. Just got a bank statement last week and already have $800 for Christmas 2016. ๐Ÿ™‚

  25. Mini

    I’m sorry, but that still makes no sense. Are you saying that you have already paid the $287 bill, but you write down that you only paid $200. So you take out another $87 to save for yourself? So you’re basically out $374 all together; that’s a lot of money! I like the idea adria stated above better. I feel it would be more plausible just to round up to $300 and save the $13.

  26. Deb

    Last week on Good Morning America. There’s a new app out called ACORN .You use a credit card or debit card it rounds up your spare change to invest. Coffee was $2.45 so .55cents went into investment. I have used it for a month or so with no problems.

    • tracy

      Thanks. Might look into that. Where does it invest the money? Savings?

      • Kim

        Not sure where it gets deposited but it is not free to use. Not expensive but you have to give an app full access to your bank account, credit cards and debit cards… I only trust my bank with that info. Great idea though going to do it by myself into a separate savings account.

  27. Dan henning

    Call your cable, phone etc. see if they have a better price..did just that, was polite and we have got a $15 a month discount on our internet, $10 on our cable, checked car insurance prices, saved $72 a not threaten, be polite and see what they can do.. Then put that money away..
    And thanks to Collin and this site, it saves us lots per year….dan

    • tracy

      We need to call insurance companies!
      I have tried friendliness with directv and did no good till we left.

  28. Diane

    I buy all year long. I have 6 granddaughters between the ages of 14 and 22. I buy each a pair of sterling sliver earrings and
    something from Bath and Body Works. I use the $10.00/$10.00JCP coupons that they send out several times a year for the earrings and I use the free with any purchase coupons I receive for the BBW items. BBW puts several of their items on a 1 day sale during the Christmas season. For example the full size lotions go on sale for $3.00 instead of $12.50.

    • Tanya

      Diane, I do these exact same things!! For the BB&W “free with any purchase” promotions, I usually buy a hand sanitizer holder for 50 cents (sometimes I “spring” for the sanitizer itself, lol). I always ask them for tissue paper and ribbon at Bath & Body Works to make the entire gift appear more substantial. In the past I have added a big bath puff from Dollar Tree in a color that matches whatever full size item I picked from Bath & Body Works. Bath puffs help to fill the bag up nicely.
      This past year, I used the 10/10 JCP coupon to get a pair of $25 Stafford pajama bottoms for free for my father-in-law. I make sure to remove the clearance tag and presented it in a JCP gift box/tissue paper, nicely wrapped. He loves the Stafford brand of clothing.
      Also for cheap gifts, I request lots and lots of sample items (shampoos, lotions, etc.) from various freebie sites all year long, then makes little gift baskets at the end of the year. All I usually have to buy is the shrink wrap/bow and a basket from Dollar Tree. For the filler, I stock up on Easter grass after Easter is over (I usually pay 10 to 25 cents a bag). If you don’t want to use a basket, save glass jars all year long, wash them, and fill with sample sized freebies. Make little tags that say “Spa in a Jar”, or some similar thought.
      Being frugal and creative is actually fun, and anybody can come up with Christmas presents that way!

  29. Kelly

    We use a credit card to pay all bills and expenses, all month long, instead of our checking account/check card. Then at the end of the month after all our work checks have been collecting up all month in our checking account, we pay the credit card off. We get rewards points on the credit card for using it, we let them compile all year long. By Christmas we usually have 500-600$ in rewards we use for Christmas presents.

  30. nyla

    What is the number 1 survey site?

    • Kate

      I make good money doing surveys on instagc. Under the earn tab and under the instagc wall there’s usually 50-100 surveys available each day. You won’t qualify for all but it’s been easy for me to make $10-20 a day.

  31. Kate

    My favorite survey site is instagc. I make $10-20 a day doing surveys so I usually use it to buy gifts or anything I want online.

  32. Patricia Lavenz-Goff

    I did pretty good this year. I used survey money to pay for xmas gifts. I over spent but at least I didn’t use real money budged for bills and food. LOL

  33. Patty

    Thank You /Colin for all you do, a wonderful service for us and think of the money we save!!!!!!!!

  34. Milkshaken

    I use my credit card to pay most bills and get cash back from that. I just let it bank all year long and use it in January when the Christmas bill comes in so I don’t have to pay as much. I also gather giftcards on swagbucks all year long and use them for Christmas shopping.

  35. Luckymeyay

    You can also sell your unused or unwanted items on Close5. It’s free app run by Ebay. You don’t have to worry about shipping cost, when you buy or sell, since you are buying from sellers near you.

    • Adrian

      I have a brand new Burberry handbag that I would like to get rid of but I’m not sure I will get much for it. Do they sell similar items on that app or just random junk?

      • Amanda

        I’ve had good luck with Poshmark. You set the price and Poshmark charges the buyer a flat rate 4.99 priority shipping. They take 20% of sale price over $15. If you’re new, use code JNBFR for $10.

        • Adrian

          That sounds decent but 20% of $300(lowball value of the handbag) is $60. I don’t think I want to give $60 up like that. I would rather hang on to the purse until it becomes vintage. Just kidding, but I think I will just hang on to it for now. Thanks anyway.

      • Luckymeyay

        Adrian – I have seen listings for designer bags on Close5. Once you download the app, you will be able to do a search for similar items. That way you can get an idea of what other sellers are asking for their designer bags. Hope this helps.

        • Adrian

          Thank you Lucky. I will have to checkout that app. I’m somewhat scared to learn that no one will get me what it is worth, but there’s only one way to find out. Here goes nothing.

  36. Joy

    I’m guessing by all these comments that there are a lot more people than I thought still using checkbooks lol. I kinda thought they were irrelevant these days, but I guess not. All this confusion has made me appreciate online banking even more though lbvs.

    • Vivian

      Lol, I was surprised too… I figured people who used hip2save, an online website, would do more electronic banking and not keep balances on a check register.

    • Susie

      Back in the day, I did do the “checkbook padding” trick, for years. Now, with online banking, I simply transfer that amount to savings, online in one easy step. Also, fellow hipsters, take advantage of all the free money out there. I use all the coupon apps & cash out at Christmas time. Also, I highly recommend a Discover card for the rewards. Activate and use the rotating 5% cash back feature. Shop through the Discover Deals links available, even Walmart online is 5% cash back everyday. Our washer just died, Home Depot online is 5% cash back. Pay your balance every month, that way it cost you zero to use and you make several hundred dollars in cash back every year on your Discover card alone. I cashed everything out in November and I already have about $250 in free money to go toward my Christmas shopping next year.

  37. mandee

    Thank you so much! I was just thinking yesterday that i wanted to get into surveys but I didn’t know where to start! Thank you!

  38. sarah

    Thanks for the tips! However buying things on clearance means no gift receipts will be given with gift.. I feel like nowawaday there’s pressure to give gifts with gift receipts and that sucks. Anyone here with me?

    • Shawna

      I wouldn’t worry about it. ๐Ÿ™‚

  39. Julie

    I have been doing the penny challenge so far this year ($300+ so far) and waiting to cash out Ibotta, saving star and checkout 51, so far about $150 with all 3. I am sitting pretty good so far. Thanks for all the tips.

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