Good day everyone!
Savings - should be economical 👌...
Today's article will be about how you can save on regular purchases, while not wasting your time and not doing anything super complicated for this. It will be about cashback ...
Cashback is, if translated into Russian, the return of a certain amount of money (i.e. it is profitable for a bank or service to give part of its profits to you so that you can use their services further) ... Many underestimate him and believe that the returned part of the amounts is quite penny, and there is no point in it. I fundamentally disagree and will immediately give a trivial example ...
Imagine, you have spent, say, 15,000 rubles on clothes, medicines, equipment in a month. (took a small amount equal to the salary (approximately) in small regions). Let's take, on average, that the cashback was 4-5% - i.e. you will get 600-750 rubles back in a month, and for a year the savings will already amount to 7200-9000 rubles.
👉 Best cashback service that returns money automatically to your account: QIWI-Bonus -> 👍
And if we add here also the interest on the balance on the bank card (many banks have such a service) - this is still additional. funds, the size of which can be at least a cashback !.
Those. one more salary may come up in a year, or even more (a kind of 13th)! In addition, now, life and economy in our country is not easy (do you agree?), And I think that an "extra" penny will not hurt ?! Moreover, I repeat, you will not need to do anything long or complicated for this.
And so, now about how to save as much as possible and get cashback ...
*
Cashback - we return maximum money back
Right off the bat ...
In general, I would like to divide all expenses and purchases into two parts (for convenience):
- online shopping;
- shopping at regular stores (wherever you walk with your feet 👌).
The most profitable purchases with the greatest discounts are obtained when shopping for goods on the Internet (i.e. online purchases).
In general, cashback can be obtained by a bank card (with which you pay) and through special services on the network. Those. roughly speaking, when shopping online - you can get up to 2 cashbacks by combining the card and the service!
Below is a simple example of such maximum savings.
An example of purchases with discounts of 30% or more
(Note: if you're lucky, you can catch a discount of 60-70%, and this is not a joke ☝).
STEP 1
Well, for starters (maybe the advice is not suitable for everyone), I recommend not buying everything in a hurry and in a hurry. Well, in general, try not to bring to the point that you have a pair of trousers, and if some fail, there will be nothing to wear, and an urgent need to update the wardrobe ...
Those. the essence of this thought is to make purchases with some margin, and it is better for stocks, when instead of 1 thing - you can buy 2 or even 3 (we can talk not only about ordinary clothes, but about many other categories of goods, although, of course , I agree that you can't buy everything in reserve, and nevertheless ...)!
STEP 2
For example, I just subscribed to several mailings from popular stores (both online and offline): when they have sales or promotions, I look through the assortment, and if I choose something, I buy.
For example, Lamoda recently sold jumpers: discounts up to 60% + 20-30% discount on coupons (see the screen below "additional discount"). Let's assume that I decided to buy it ...
This is not an advertisement, Lamoda did not pay me for it, although I would not mind 👀...
Sales at Lamoda are not uncommon ...
STEP 3
Next, you need to use the cashback service. I really like the QIWI-Bonus (I'll describe why below).
👉 QIWI
Website: //bonus.qiwi.com/
Service advantages: cashback is automatically returned to your wallet (you do not need to track it, collect minimum amounts, etc.). This is very convenient because it is unnecessary to waste time and be distracted on it.
In addition, all major online stores cooperate with the service: Aliexpress, La Moda, Ozone, etc.
We open this site (if you are not registered with QIWI - register!), Find the store we need on it (say Lamoda) and follow the link from QIWI (see the screen below). 5% of the purchase amount, by the way, will be returned to our QIWI wallet after purchasing any product.
Cashbacks - discounts and promotions from QIWI-Bonus
STEP 4
Then we add our jumper to the basket and pay for it with a bank card with cashback. Many banks have such cards: B&N Bank, Alfa-Bank, VTB, Tinkov, and many others (I think that assessing which bank is more convenient for whom - everyone can independently) ...
Please note that there are now many debit cards with free service; give 5-8% on the balance of funds (count as a deposit in a bank); and up to 5% -6% cashback from purchases!
Payment card from B&N Bank (as an example)
STEP 5
What we get as a result: cashback through QIWI-Bonus (5%), cashback for payment by card (5%), plus 1% on the card will be returned at the end of the month from all purchases. In total, about 11% (and this is only cashback)! And also ...
Settings - discounts and promotions QIWI Bonus
Bonus (cashback) for payment by credit card
STEP 6
And in addition, the discount is obtained due to: sales of the store, plus an additional promotion on the coupon; and a loyalty program discount (cumulative, available in many stores, in my case 7%).
Lamoda online store - we calculate the cost of goods
To summarize: with an online purchase, you can get 10-11% back as a cashback (service + card), plus an additional 50% (and sometimes higher) just on promotions and sales of the store itself. Why not use it while there is such an opportunity?
Note: not always and not all stores allow you to receive such a "double" cashback. In some cases, you will receive cashback on the card (for example), but not in the service ...
How to choose a card with cashback
Quite a popular question. In general, I would not really like to advertise a particular bank, especially since there is no universal option. I would proceed from the following:
- how close to your home is the bank branch itself (if you trust, you can choose some bank with remote service);
- the cost of servicing the card (and the ability to use it for free). Different banks have different requirements: some ask to replenish and keep 10,000 rubles on the account, others - 30,000 rubles, and still others - to make purchases for at least 3,000 rubles.
- well, various additional. bonuses: some banks provide discounts, for example, when shopping at gas stations, others - when shopping on the Internet, etc.
In general, I am impressed by the Banki.Ru website - on it you can quickly find all the necessary banking services and compare the conditions of different banks with each other. As for debit cards - the link is given below.
👉 We choose debit card, rating on Banks.Ru: //www.banki.ru/products/debitcards/
In general, after going through the list of popular offers, I think you can easily find something relevant for yourself.
For example, cards from Vostochny Bank, Home Credit, Tinkov, Touch Bank are now popular: on average, they offer 6-8% for the balance, 1% cashback for all purchases, and 5-6% for certain categories. Card issuance and service are free in some cases! Those. you practically do not lose anything, except for the time to order the card ...
Debit cards - select, compare, issue and order / Banks.Ru
By the way, even more favorable conditions can be obtained by credit cards. True, I myself am not a fan of their use, so I will not recommend it (if you choose a credit card, be sure to read all the conditions carefully - otherwise, the interest on the loan can eat up all the bonuses and discounts from the cashback).
Best cashback services
"Tell me, so any wall can be removed like that? Your invention has no price ...".
Quote from the film "Ivan Vasilyevich Changes His Profession". In addition to the card with cashback, of course, for maximum profit, you need to use special services (by the way, they can also help with purchases in regular stores: you pre-order through the website, and then finally pay in the store, getting cashback). In general, there are a lot of them, but I would like to highlight only 3 (in my opinion, even 1 😊 is enough for constant use). Website: //bonus.qiwi.com/ If you have a QIWI wallet (and if you also have a plastic card from QIWI), then this is probably the best service for you. The fact is that cashback in it is credited automatically to your wallet, i.e.you do not need to go somewhere again, withdraw funds, give a commission for withdrawal, etc. Before the purchase, they went in once - then they bought the product, and after a while the money returned to your wallet without your participation (no restrictions or limits on the withdrawal of funds). Very comfortably! As for the size of the cashback, there are a huge number of stores here, and the amount of funds returned is even higher here than in some other popular similar services. For example, for purchases at Aliexpress through the QIWI bonus - cashback 4% (in Letishops - 3%), Lamoda - 5% (Copicot - 3%), etc. Although, of course, in the amount of cashback from some retail chains, QIWI loses. Cashbacks, discounts and promotions from QIWI-Bonus I will add that they also have a special browser extension, by installing which, you can always know whether you will receive cashback for a purchase in this store (or not ...). In general, I recommend you to get acquainted! Website: //letyshops.com A similar service, almost the same as the QIWI bonus. There are also many shops and retail chains, all sorted into different categories (for easier search). Some retail chains have a larger cashback than QIWI (but there are not many of them). With expensive purchases, by the way, even an extra 1-2% can result in a decent amount (for example, you buy expensive equipment, say, for 200,000 rubles, 2% of this cost is 4,000 rubles. This amount can be used to pay for the Internet, telephone, and there will be more for utilities ☺). All stores with cashback are a reliable service LetyShops The service also has browser extensions that will help you quickly and easily find out about the size of the cashback (and activate it without visiting the site itself). An example of how such an extension works is shown in the screenshot below. Conveniently! Browser extension As for the withdrawal of funds, they can be ordered to a Visa, MasterCard, MIR, QIWI-wallet, WebMoney, Yandex-money, to a mobile phone account (minimum wage - 500 rubles). Withdrawal is carried out within 1-3 days. Website: //www.kopikot.ru This service differs from the others in the amount of cashback - some stores have the highest here! There are also extensions for all four of the most popular browsers: Chrome, Opera, Yandex browser, Firefox (in the services above, the extension was only for Chromium-based browsers). Cashback service Kopikot You can withdraw the accumulated money to Yandex money, Web money, bank cards, to your phone account. True, it upsets that there is a limit of 500 rubles. (you cannot withdraw less than the amount). In general, everything else is at a decent level, I also recommend you to get acquainted! Yes, and not only in it (for some reason, everyone puts the greatest emphasis on this store ...). In general, when shopping in any online stores (and even more so in Chinese ones), you can also get a double discount: both by card and by service. 👉 Instructions! How to buy goods on Aliexpress - //ocomp.info/kak-zakazat-tovar-na-aliekspres.html If you talk about Aliexpress, then the service has the maximum discount at the moment. "Copicot" (6.85%), and the QIWI bonus is 5%. The amount to be returned to Kopikot Moreover, I want to say right away that everything is not so simple with Aliexpress ... The fact is that for different categories of goods, there may be a different size of cashback. As a rule, when advertising a cashback service, they always show the maximum possible amount of the returned amount, and in fact, they may pay several times less for your category. In addition, I would be wary of new services that promise to return as much as 20% (and there are some). Firstly, 20% is not given for all categories of goods (read carefully under the asterisks, they have tricky contracts), secondly, they may have a high minimum withdrawal amount, and, thirdly, it is not a fact that you are from there you can withdraw money ... Otherwise, Aliexpress is no different from any other stores. By the way, please note: when you go to the service to follow the link to activate the cashback, the description always says in which categories what amount will be returned.For example, in QIWI-bonus for mobile phones cashback is 2.3%, in other categories 4%. Everything is fair enough ☝ ... Cashback in AliExpress up to 4.0%, discounts and promotional codes - Qiwi-Bonus * * That's all, for constructive additions - a separate merci. All the best! 👋 First publication: 01/16/2018 Correction: 10/22/2019 QIWI bonus
Letishops
Copicot
Can a part of the funds be returned on AliExpress too?
Summary (for maximum benefit)
