12 Ways Retirees Can Earn Passive Income

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These days, “retired” doesn’t always mean “not working.”

According to a study of U.S. retirees from the nonprofit Transamerica Center for Retirement Studies (TCRS), “nine percent … are currently working for pay, including five percent who are employed part-time, two percent who are employed full-time, and two percent who are self-employed.”

More than half — 56% — of those surveyed said their top reason to keep working was “wanting the income.” The good news: You might be able to make some extra dollars via passive income — money that comes in without you doing much work, or any work at all.

Passive income is often synonymous with a large upfront investment, such as buying rental properties or dividend-producing stocks. But the following passive-income strategies can bring in extra bucks without investing a bunch of money or time.

1. Rent out a room in your home

Got an empty nest? Someone may be willing to pay to roost there.

You can advertise your spare space on your own or list it on a vacation rental website such as:

Yes, it takes some work: You might have to keep the room tidy and wash a load of sheets and towels once the guests depart. But in some parts of the country, you can earn enough money in just a few days to cover a mortgage payment, as we detail in “Do This a Few Days Each Month and Watch Your Mortgage Disappear.”

If you’re the gregarious type, you can have fun talking up your town or even showing visitors around. If not, advertise it as a “Here’s your key, we won’t bother you” arrangement. Some people simply want an inexpensive place to sleep and don’t care about sitting around chatting with the host.

2. Rent out your vehicle or gear

Your spare bedroom is just one of many things you could rent to others to bring in extra money.

Use your imagination. Maybe you have a ladder, stroller, surfboard, bicycle, boat, camera equipment or a great selection of power tools.

Peer-to-peer rental sites like the following will help you find folks who occasionally need such things but don’t want to own them:

Whatever you’re renting, keep in mind that ordinary insurance might not cover the commercial use of your property. An insurance rider may cover some items, but you may need a separate policy, so consult your insurance agent.

3. Become a peer-to-peer lender

What is peer-to-peer lending? In short, P2P lending sites such as Prosper accept loan applications from borrowers. Investors like you can put some of your money toward loans to those borrowers. When loans get paid back, so do you — with interest.

Overall, P2P investments “can provide solid returns that are really hard to beat,” according to Clark.com, the website of financial guru Clark Howard.

As with any loan, however, there’s the possibility of default. You may not earn anything or may even lose money.

Sound too complicated? Maybe this simpler form of P2P is for you: Worthy sells 36-month bonds for $10 each. The money that comes in is loaned to U.S. businesses, with lenders who have purchased these bonds getting a 5% annual rate of interest on their investment.

To learn more about Worthy bonds, check out “How to Earn 80 Times More on Your Savings.”

4. Get rewards for credit card spending

If you’re going to shop with plastic, make sure you’re rewarded.

The form that the reward takes is up to you. Some people covet airline miles. Others take their rewards as cash or a credit against their monthly statement.

The number of rewards credit cards — and their pros and cons — can be a little dizzying. For an easy way to compare your options, stop by our Solutions Center and check out travel rewards cards or cash-back cards in the Money Talks News credit card search tool.

5. Use cash-back apps

An app called Ibotta lets you earn cash rebates on purchases from retailers, restaurants or movie theaters.

Or you can do your online shopping through cash-back portals like:

These websites enable you to earn cash back on purchases from thousands of online retailers. To learn more about them, check out “3 Websites That Pay You for Shopping.”

6. Sell your photos

Smartphones have made decent photography possible for just about anyone. The next time you capture a killer sunset or an adorable kid-and-dog situation, don’t keep the image to yourself. Apps like Foap — which is available for Android and Apple devices — will help you sell it.

You can do even better if you have a good digital SLR camera, a tripod and other equipment. Stock photo companies like Shutterstock and iStockphoto, which favor high-definition, high-quality images, are venues for selling photos on just about any subject you can find.

7. Write an e-book

It’s possible to bring in cash without a high-powered book contract, thanks to self-publishing platforms.

Amazon’s Kindle Direct Publishing, for example, allows you to write, upload and sell your words fairly easily. My two personal finance books are for sale on Kindle, and they provide a steady stream of passive income.

I also sell PDFs of the books through my personal website. I use a payment platform called E-junkie to handle payments and deliver the book downloads — and this brings me more money per book than Amazon does, even when I offer readers a discount.

If you’re fond of a particular fiction genre, write the kind of stuff you’d like to read. Nonfiction sells, too: cookbooks, travel guides, history, memoirs and how-tos are a few examples. Or maybe you have a specific skill to teach — job-hunting or food preservation or raising chinchillas.

Pro tip: Fiverr.com is a good marketplace through which to find freelancers to hire for help with formatting, design and cover art.

8. Create an online course

If you’ve got useful knowledge, why not monetize it? Sites like Teachable and Thinkific will help you build a course that could change someone’s life, either professionally or personally.

Note that online courses are not limited to computer-based topics. A quick search turns up classes on:

  • Cake-making
  • Watercolors
  • Digital scrapbooking
  • Drone cinematography
  • Free-diving
  • Blacksmithing
  • Yoga
  • Parenting
  • Novel writing
  • Job hunting
  • Building a pet-care business

And that’s just for starters. Like writing an e-book, creating a course will take some work. But again: Once it’s up, the work is done.

9. Join rewards programs

Rewards sites like Swagbucks reward you with points for activities such as searching the internet, watching short videos and taking surveys. You can cash in your points for gift cards or PayPal cash.

Maybe you didn’t retire to spend hours taking surveys. But if you’re going to search the internet anyway, why not use Swagbucks’ search engine and earn some points?

To learn more about Swagbucks, check out “6 Ways to Score Free Gift Cards and Cash in 1 Place.”

10. Wrap your car with advertising

Turn your vehicle into a rolling billboard with companies like Carvertise. They’ll pay you for the privilege of putting removable advertising decals for a business on your automobile.

Writer Kat Tretina describes the process at Student Loan Hero. You can expect to earn $100 to $400 a month, depending on how much and where you drive, she says. Requirements include having a good driving record and a vehicle that has its factory paint job.

Pro tip: Car-advertising scams make the rounds regularly. Tretina offers these tips to avoid being victimized:

  • Legitimate companies don’t charge an application fee, and they’ll have a customer service phone line that lets you talk with a real person.
  • The car-wrapping cost should be covered by the company.
  • Take a hard pass on any company that doesn’t ask questions about your driving record, auto insurance, driving routes and type of vehicle.

11. Create an app

Maybe yours is one of those minds that says, “There should be an easier way to do (whatever) — and I think I know what it is!” If so, creating an app could bring in extra income.

It could also bring in zero dollars. But nothing ventured, nothing gained, right?

For example, personal finance writer Jackie Beck — who cleared $147,000 of debt — used her expertise to create an app called “Pay Off Debt.”

Not a coder? App-builder services exist. The WikiHow.com article “How to Create a Mobile App” tells how to get started. It’s a time-consuming process. But that’s one of the beauties of retirement: You set your own hours.

12. Become a package ‘receiver’

OK, this idea is unproven — so far. But it’s a solution whose time has come. The boom in online shopping has been a boon for thieves who find it easy to swipe packages left outside front doors before the intended recipients get home from work.

You might be able to do your part to thwart those lowdown thieves by marketing yourself as a “professional package receiver.”

Try this: Put the word out — through friends, social media, places of worship — that you are available to accept deliveries. If a package is for someone in your neighborhood, you could watch the shipping company’s tracking info and be at the home to take the package in. Or you could specify that packages be shipped to Original Recipient, c/o Professional Package Receiver — that’s you.

Before asking a fee of, for example, $1 per package, ask the person who wants to hire you what it’s worth to them. You might be surprised by a response like, “I’ll give you $5.” Decide, too, whether you’ll be charging per package or per order, and whether you’ll set a weight limit, such as no packages over 30 pounds.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

How to Have a Baby Shower on a Budget

It’s an honor to be asked to throw a friend or family member a baby shower. But along with that honor, often comes a hefty price tag. Between the food, flowers, decor, and favors, the cost of these soirees can add up quickly.

Fortunately, you don’t need to spend a fortune to throw a fun and memorable celebration for soon-to-be parents and their loved ones. From scoring a cheap (or free) venue to DIYing the centerpieces, there are a number of ways to cut baby shower costs without looking like you cut any corners.

Tips for Throwing a Great Baby Shower on a Budget

These inexpensive baby shower ideas can help you throw a memorable celebration for a mom-to-be and help her become better financially prepared for a baby.

Coming up with a Baby Shower Budget

Before you begin the planning process, it can help to determine the total you can spend on the event and then create a budget. You may also want to find out if family members from either side are willing to chip in financially or by offering to help make something for the party. When setting up your baby shower budget, you’ll likely want to include: the venue, invitations, decorations, food and drinks, entertainment and/or games, prizes and party favors.

Finding a Free (or Low-Cost) Venue

A baby shower doesn’t have to be at a fancy restaurant, hotel, or banquet hall to be festive. It could take place at your, or someone else’s, home. If you’re hosting a baby shower in warm weather. You might consider having it outdoors, such as in your backyard. You could even host a more casual shower with an outdoor barbeque or even a poolside party.

Other low-cost locales options include: a nearby park, the clubhouse of your (or someone else’s) apartment complex, or the meeting room at someone’s place of business.

Limiting the Baby Shower Guest List

Generally, the more people you invite to the shower, the more money you will spend. To keep costs in check, you may want to consider limiting the invite list to the parent-to-be’s closest family and friends. A smaller group not only cuts down on costs, but can also help to create a more intimate gathering that allows the guest of honor to spend time with each guest. It can be a good idea, however, to run the invite list by the expectant mom to be sure that you don’t exclude any important people.

Going Digital With Invitations

You can save money on baby shower invitations by using a digital service, such as Evite, MyPunchbowl, or Paperless Post. These sites and apps typically allow you to choose from a range of free baby shower invitation templates or, for a small fee, upgrade to a more elaborate design. These sites also make it easy to keep track of responses. And, guests will likely appreciate the ability to RSVP with the click of a button. You may, however, want to send paper invites to older guests, particularly if they don’t use an email address often.

Ditching the Caterer

Feeding guests typically takes up the biggest portion of a baby shower budget. One way to help keep the cost of food down is to forgo the caterer and head to your local warehouse club (like Costco or Sam’s Club). You’ll likely be able to create a delicious spread of appetizers, finger foods, and desserts for a lot less than ordering trays from a catering company or restaurant.

Timing it Right

You can also cut down on food costs by not holding the shower right at lunch or dinner time. That way, guests won’t arrive expecting a full meal, and you’ll be able to serve a lighter menu that includes simple appetizers and snacks. A late-morning party can be particularly wallet-friendly–you might simply offer coffee, juice, fruit, and pastries. Or, you might opt for an afternoon tea and serve sweets and finger sandwiches.

Keeping the Cake Simple

A gourmet bakery cake can look beautiful, but it could easily bust your budget. According to CostHelper , an average bakery cake runs around $3 to $4 a slice. To cut costs without sacrificing on taste, you might consider ordering a cake at your local grocery store’s bakery or the bakery at a wholesale club, then having it personalized (which the store will often do free of charge).

DIYing Centerpieces

Fresh flowers look lovely, but they can get expensive if you order arrangements from a professional florist. Instead, you may want to head to your local farmers market, grocery store, or warehouse club to find flowers at reasonable prices that fit your color scheme, then make your own centerpieces. A simple way to get great results is to use flowers in the same color family (like shades of pink or all white). You can pick up vases at the dollar store, or go with Mason jars, which look trendy and can be used for other purposes after the shower is over.

Printing Decor and Games for Free

Instead of racking up a big bill at the party store, you may want to comb the web for free baby shower printables. You can likely find food signs, games (like baby shower bingo), decorations, and favor tags that you can simply print right from your computer.

Making Edible Favors

Sweets can make great baby shower favors, and you can easily bake them yourself without spending a lot. You may also find that there is a family member who would be delighted to take on this task. Edible favors can be as simple as iced sugar cookies (in your color scheme) or as elaborate as cake pops that look like baby rattles.

Considering a Virtual Baby Shower

If the guest of honor’s family and friends are spread out all over the country, having a virtual baby shower is one way to include everyone that’s important, and also keep costs down. You can set a celebratory mood by choosing a Zoom background that fits the theme of your shower, and also include a link so guests can download the background as well. Friends and family can watch the mom-to-be open gifts that were sent to her ahead of time. You can also organize games throughout the virtual baby shower and create a digital guest book that attendees can sign and share their words of wisdom for the expecting parents.

The Takeaway

You can plan a memorable baby shower even on a limited budget. And, spending less doesn’t mean the event will be any less special.

Some easy ways to trim the cost of having a baby shower include: hosting the shower in your home or backyard, heading to your local warehouse club (for food, flowers, and even the cake), using free printables for decor and games, and giving homemade sweets as favors.

You can also make a baby shower more affordable by setting a budget and saving up enough money to cover it in advance (so you don’t end up relying on credit cards).

Looking for a good place to build your party fund? A SoFi Money® cash management account can be a good option. With SoFi Money’s “vaults” feature, you can separate your savings from your spending while earning competitive interest on all of your money. You can even set up separate vaults for separate savings goals.

Start saving for your next milestone celebration with SoFi Money.

Photo credit: iStock/vejaa


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SoFi Money is a cash management account, which is a brokerage product, offered by SoFi Securities LLC, member FINRA / SIPC .
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7 Signs You are Living Beyond Your Means

When you’ve lived paycheck to paycheck, scrounging up enough money for an emergency fund can feel like a revelation. All of a sudden you’re not living with a dark cloud over your head and setbacks start to seem more manageable. You feel more in control of your life and your finances.

But you can take that even further. Saving for emergencies is just the first step in developing a strong, stable plan for the future. Once you have the foundation laid, it’s time to start deciding just what kind of future you’re trying to build.

That future starts with savings goals. Here are a few examples of how to start saving beyond your emergency fund.

Car Repair Fund

About 18 months ago, my husband and I were driving up for a ski weekend in the Colorado mountains. We were meeting his cousin and wife for a long weekend of winter sports, beer and food. At least, that was the plan.

On the way there our car started making a funny noise. Eventually, that funny noise turned into a persistent whine, and before we knew it the engine was smoking and we were stranded on the side of the road. We had the car towed back to a mechanic, who informed us that it would cost several thousand dollars to repair the damage.

I hadn’t really planned for this. The car had less than 200,000 miles and seemed in good shape. We’d followed the maintenance schedule religiously and had no reason to worry. Luckily, the incident happened just a few days before we received a huge tax refund, so we took the money and bought another car. I learned a valuable lesson that day: always save for a car repair fund.

Since then, I set up an auto draft to a separate savings account solely for car repairs. I picked $75 a month as a starting point but might increase it to $100 in the near future.

I’ve also started a car replacement fund, so I’m prepared for the next time my husband and I need to buy a new car. That account gets $100 every month, and any leftover money I find at the end of the year.

Vacation Fund

Erin Lowry of “Broke Millennial” wrote in a recent post about how she has a separate vacation fund set aside so she can travel more spontaneously. She has at least $3,000 in her vacation fund, so she’s prepared when her girlfriends want to take an impromptu trip or she finds an amazing flight deal to Germany.

If travel is an important part of your life – or you’d like it to be – consider starting a vacation fund. Even if it’s just a long weekend at the family cabin or a short road trip to a neighboring state, giving yourself the option to escape at any time can make the daily grind a little more bearable.

Don’t feel pressured to save aggressively if you don’t want to. Even $300 a month will add up to $3,600 a year, enough for a two-week European stay or a handful of smaller domestic trips. If you keep saving for multiple years, you could end up with enough for a months-long sabbatical.

Personal Goals

When people talk about their greatest financial regrets, they usually reminisce about the investment deal they didn’t take or the house they never bought. For me, it’s the Spice Girls concert I didn’t go to.

The group came to Chicago while I was in college, and a few people from my dorm were carpooling to the concert. They had an extra ticket, which cost $100. I had the money in my bank account, but chose to be “responsible” and stay home. I’ve regretted it ever since.

About a year ago, there were rumors that the Spice Girls were planning to reunite and go on a limited international tour. I live about three hours from Chicago, and I figured the Windy City would definitely be a stop on the tour.

A couple weeks later I got a birthday check from my grandma, which I promptly deposited into a separate Spice Girls savings account. Rumors of a tour have since dissipated, but I still have hope that one day the girls will be reunited. Until then, I’ll be keeping $200 in that account.

It might seem insane to have a whole savings account for one concert that may never happen, but it’s worth it for the peace of mind. If I ever get the opportunity to fulfill this dream, I won’t have to sacrifice a thing. I’ll just pluck the money from my account, close it down and go have the time of my life.

If there’s something you desperately want to do someday, like attend the Super Bowl or run the Boston Marathon, it’s not a bad idea to have the money stashed away for that purpose. If the goal never comes to fruition or you’re not able to get tickets, you can always use it for something else.

Medical Expenses

One of the best ways to save money outside of an emergency fund is in a health savings account (HSA). HSA contributions are tax-deductible, can be withdrawn tax-free and earnings are also not taxed.

You can contribute up to $3,3450 for an individual or $6,900 for families. Once you have more than $2,000 in your HSA, you can start to invest the money like you would for a retirement account. HSAs are only available if you have a high-deductible insurance plan, but don’t have any income limitations.

If you aren’t eligible for a high-deductible plan or it’s just not a good fit, you can still save for medical expenses outside of an HSA. A good rule of thumb is to save as much as your out-of-pocket maximum since that should cover a year of catastrophic medical bills. You can keep this in the same savings account where you have your emergency fund or in a separate one.

The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinion or view of Intuit Inc, Mint or any affiliated organization. This blog post does not constitute, and should not be considered a substitute for legal or financial advice. Each financial situation is different, the advice provided is intended to be general. Please contact your financial or legal advisors for information specific to your situation.
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Can You Use Food Stamps Online?

The food stamp program in the U.S. has made it possible for millions of Americans dealing with economic hardship to feed their families each day.

While food stamps, now officially called SNAP benefits, can help families save money on food, it hasn’t always been the most convenient way to shop for groceries. In the past, food stamp recipients needed to physically go into a store to shop for and pay for their groceries using a special (EBT) payment card.

As a result of the coronavirus pandemic, however, the United States Department of Agriculture (USDA) has expanded an online purchasing pilot program that allows SNAP recipients to purchase groceries online then arrange for pickup or delivery. The program is now available at certain retailers in most states.

Read on to learn where and how you can use food stamps to buy groceries online.

What Are Food Stamps?

“Food stamps” is an older, but still commonly used term to describe SNAP or the Supplemental Nutrition Assistance Program.

SNAP is designed to provide nutritional assistance to low-income families, as well as the elderly, disabled, and people who have filed for unemployment. SNAP is a federal program administered by the USDA’s Food and Nutrition Service, which has a network of local offices.

While SNAP doesn’t cover all the items you might pick up at the supermarket, it can significantly cut your grocery bill.

USDA national map .

Each state has its own application form. If your state’s form is not on the web yet, you can contact your local SNAP office to request a paper form.

What Stores Accept Food Stamps Online?

Thanks to the expedited expansion of an online purchasing pilot program run by the USDA’s Food and Nutrition Service, households receiving SNAP benefits in any of the 47 participating states (along with the District of Columbia) can now use EBT to pay for groceries online from select retailers.

Alaska, Louisiana, and Montana are not currently enrolled in the pilot. And, not every retailer in participating states supports EBT payments.

If a retailer is enrolled in SNAP’s online program, people on food stamps can select foods eligible for EBT benefits online and then arrange for in-store or curbside pickup. In some cases, it may be possible to have your groceries delivered. If the retailer charges a delivery fee, however, you cannot use your benefits to cover that fee.

While Amazon and Walmart are among the best known retailers for online EBT shopping, the number of stores accepting EBT card payment online is continuing to expand, and now even includes some “specialty” stores like Trader Joe’s.

FreshDirect, an online grocery delivery service, now delivers for free to SNAP participants in some zip codes in the New York metropolitan area.

And, Instacart, a grocery delivery service, is currently partnering with many local stores in the U.S. to offer SNAP EBT benefits. The latest version of the Instacart app should display whether your local store offers EBT SNAP.

Which retailers (and which specific locations) participate in the online SNAP program will vary from one state to another, so it’s a wise idea to check which options are available in your area.

Here are some of the retailers that are now accepting food stamps for online shopping (for either delivery or pickup):

• Walmart

• Amazon

• Aldi

• Food Lion

• Publix

• FreshDirect

• BJ’S Wholesale Club

• Kroger

• ShopRite

• Fred Meyer

• Safeway

• Albertsons

• Vons

• Hy-Vee

How to Use Food Stamps to Buy Groceries Online

The rules for using food stamps online will vary by retailer. For example, when shopping on Amazon, you can add your SNAP EBT card, shop for groceries, and when you check out, you enter your EBT PIN to pay for eligible purchases.

For Walmart, you can order groceries online or through the store’s grocery mobile app. You first need to sign into your Pickup & Delivery account and then select Payment Methods.

cash management account, you can track your weekly food spending right in the dashboard of the app. You can also earn competitive interest on your money, and won’t pay any account or monthly fees.

Learn how SoFi Money can help you manage your spending and saving today.

Photo credit: iStock/Yana Tatevosian


SoFi Money®
SoFi Money is a cash management account, which is a brokerage product, offered by SoFi Securities LLC, member FINRA / SIPC .
Neither SoFi nor its affiliates is a bank. SoFi Money Debit Card issued by The Bancorp Bank.
SoFi has partnered with Allpoint to provide consumers with ATM access at any of the 55,000+ ATMs within the Allpoint network. Consumers will not be charged a fee when using an in-network ATM, however, third party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
External Websites: The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Third Party Brand Mentions: No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third party trademarks referenced herein are property of their respective owners.

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Source: sofi.com

14 Best Grocery Coupon and Cash-Back Apps to Save Money

According to the United States Department of Agriculture, U.S. households spent 9.5% of their disposable income on food in 2019, with 4.9% being for food at home. Additionally, grocery store prices also saw a 3.5% increase between 2019 and 2020.

There’s nothing you can do to avoid food spending altogether. But you certainly don’t have to pay full price the next time you shop. There are numerous ways to save money on groceries, and you don’t need to sacrifice products you enjoy to find savings.

One effective way to reduce grocery costs is to use your smartphone. Apps that help you save on groceries have grown in popularity, which is excellent news for any frugal shopper. The next time you restock your kitchen, download a few money-saving grocery apps before heading out the door to start saving more.

The Best Apps to Save Money on Groceries

There are several app categories that help reduce grocery spending. Mobile coupon apps, grocery-store apps, and various cash-back rewards programs are popular examples. Using a combination of these apps and looking for in-store deals, you can maximize every dollar you spend on groceries.

1. Grocery Store Apps

The best way to save money on groceries is often to use store apps from your favorite grocers. Many supermarkets highlight in-store deals and coupons through a mobile app. Some stores even have loyalty programs that link to your mobile account, letting you redeem savings at the register.

Some of the best grocery store apps that have coupons and reward programs include:

If you stack a store rewards card with mobile coupons and deals, it’s even better. For example, if you do most of your grocery shopping at Kroger, you can sign up for the rewards debit card to save 2% on Kroger brands and earn fuel rewards. Target also has a mobile app that highlights coupons and store promotions, and you can shop with a Target RedCard to get 5% off most in-store and online purchases.

Between in-app coupons and your rewards card, you’re already starting to reduce your grocery bill without having to change stores.

2. Coupons.com

Coupons.com is a popular couponing website that’s essentially a database of free printable coupons and online promo codes. On the website, you can find and print coupons for a range of categories, including:

Coupons.com usually limits you to printing one or two of each coupon. It’s still an effective way to save, but if you want to earn rewards for grocery shopping, the Coupons.com app for Android or iOS is also worth using.

If you were a fan of SavingStar, Coupons.com acquired them in 2020. As such, through Coupons.com’s app, you can now earn cash-back rewards for buying specific offers, including groceries.

Simply activate rebates in the app by tapping on them, shop, and then take a picture of your receipt with the app to earn cash back. Alternatively, link store loyalty cards from companies like Publix or Safeway to automatically earn cash back for eligible purchases.

Unlike many reward apps, Coupons.com doesn’t have a minimum redemption requirement. You get paid through PayPal, and between paper and online coupons and cash-back rewards, Coupons.com is a comprehensive tool to save on groceries and everyday essentials.

3. Ibotta

Ibotta is another way to earn cash-back rewards for buying specific products from Ibotta partners. The app doesn’t focus on groceries. It also has deals for categories like health and beauty, travel, entertainment, and sports. But grocery delivery and rebate deals are still a significant portion of available offers.

Ibotta partners with more than 300 retailers, including grocery stores like Kroger, Meijer, Walmart, and Whole Foods. You can also find Ibotta deals at warehouse stores like Costco and Sam’s Club.

Saving money with Ibotta takes four simple steps:

  1. Find Offers. Like other receipt-scanning apps, you preselect rebates before shopping. You can find rebates under the “find offers” tab within Ibotta and search by categories to narrow your search to groceries.
  2. Shop. After you select rebates, you’re ready to shop. Check Ibotta offers for any specific terms to ensure you buy the right brand, size, and quantity. Rebates often have specific requirements, and your purchase won’t credit if you make a mistake.
  3. Verify Purchase. Snap a photo of your receipt with the Ibotta app to verify your purchases.
  4. Redeem Cash Back. Ibotta deposits cash into your rewards account within 48 hours of submitting proof of purchase. You can cash out after reaching $20. Cash-out options include PayPal, Venmo, and gift cards to companies like Amazon, Starbucks, and Target.

Ibotta also lets you link store loyalty cards to your account to automatically earn for eligible purchases so you can skip selecting rebates. Loyalty card linking works at over 100 stores, including Hannaford, Meijer, and Wegmans.

Like other cash-back reward apps, it’s best to stack rebates with other discounts, like coupons or a cash-back credit card. For example, if you find an Ibotta rebate for $0.75 off Cliff Bars at Walmart, look for manufacturer coupons or Walmart store coupons for extra savings. If you then shop with the Capital One Walmart Rewards credit card, you’re maximizing your savings for that product.

It might take a few grocery trips to reach the $20 cash-out minimum. But Ibotta has some of the best offer variety and highest-paying rebates in the grocery rewards app industry, so it certainly has worthwhile saving potential.

Read our Ibotta review for all the details.

4. Fetch Rewards

Fetch Rewards is another receipt-scanning app for Android and iOS that works almost exactly like Ibotta. But while many Ibotta offers require shopping at a specific store, Fetch Rewards only requires buying specific brands to earn points. That means you can shop at your grocery store of choice without having to drive around town or miss out on offers from stores you never shop at.

Fetch Rewards partners with brands in several categories, including groceries, cosmetics, magazines, alcohol, and baby products. But groceries at the largest category, including recognizable brands like:

  • Betty Crocker
  • Heinz
  • Hershey’s
  • Knorr
  • Kraft
  • Oscar Mayer
  • Pepsi
  • Sabra
  • Yoplait

Once you purchase products from a Fetch Rewards partner brand, you take a picture of your receipt with the app to verify your purchase. Points credit in your Fetch Rewards account after the receipt processes, which typically takes a few hours. You can redeem points for dozens of free gift cards, including Amazon, CVS, Burger King, Dunkin’, Old Navy, and Target.

Receipts that have at least one participating brand pay a minimum of 50 points, or $0.05. Additionally, Fetch Rewards has a page where you can find higher-paying special offers that pay bonus points. For example, special offers might pay 2,000 points ($2) for buying a pack of Tyson chicken breast or 1,000 points ($1) for buying McCain frozen smile potatoes.

One advantage of Fetch Rewards is that you only require 3,000 points, or $3, to redeem many gift cards. Realistically, that means you can enjoy your first reward within a shopping trip or two, depending on how many eligible brands and special offers you buy.

You won’t score massive discounts with Fetch Rewards, but it’s another simple app to save money on groceries if you don’t mind scanning your receipts. The redemption minimum is also one of the lowest out of all reward apps.

Read our Fetch Rewards review for more information.

5. Checkout 51

Another way to turn grocery receipts into cash rewards is to use Checkout 51, a free grocery rewards app for Android and iOS.

With Checkout 51, you select rebates before shopping and upload receipts for proof of purchase. You can also link loyalty cards to your account from over a dozen partners, including Dollar General, Hannaford, H-E-B, Meijer, and Publix. It’s fairly similar to other reward apps.

However, Checkout 51 focuses on groceries for rebates and works at hundreds of stores, including:

  • Aldi
  • Albertsons
  • BJ’s Wholesale Club
  • Costco
  • Kroger
  • Meijer
  • Publix
  • Walmart
  • Whole Foods
  • Winn-Dixie

Additionally, Checkout 51 has a pick-your-own-offer section where you choose grocery essentials like bread, eggs, and produce to earn cash-back rewards for buying. These rewards usually range from $0.25 to $1, but it’s nice to reliably earn cash back on grocery essentials alongside specific products from brand partners.

Checkout 51 offers update every Thursday at 12am. So during the week, you might find that certain offers disappear as more shoppers claim them. That means it’s essential to check for new rebates on Thursday morning, select them, and shop that day to earn rewards. (Don’t wait for the weekend since grocery prices are higher on the weekends and sales usually happen on Wednesdays and Thursdays.)

Overall, Checkout 51 rebates are competitive, and you can redeem many offers multiple times, which is useful if you bulk-shop. Checkout 51 has a $20 cash-out requirement and pays through check. PayPal payments are also coming to the app and are currently in testing.

Reward variety is a downside for this app, but grocery-specific rebates and offer variety still make Checkout 51 one of the best grocery rewards apps around.

Read our Checkout 51 review for all the details.

6. Receipt Hog

If you’re already saving receipts to scan with other apps, add Receipt Hog to your smartphone.

With Receipt Hog, you turn everyday receipts into rewards just by taking a photo of your receipts with the app. But the type of receipt you upload determines the reward you earn:

  • Coin Receipts. Earn coins for uploading receipts for grocery stores, pharmacies, pet stores, dollar stores, supercenters, convenience stores, and alcohol stores. Coins are redeemable for free Amazon gift cards and PayPal cash.
  • Spin Receipts. Receipt Hog has a slots game where you can earn bonus coins or cash prizes for getting lucky. Spin receipt categories include apparel, department stores, home goods, office supplies, and electronics. Spin receipts don’t pay coins, so you have to get lucky to earn with this receipt type.
  • Sweepstake Receipts. Every receipt you scan grants you one entry into a monthly sweepstake where Receipt Hog gives out additional coins and cash prizes. You can also upload receipts from gas stations, restaurants, bars, and cafes for additional sweepstake entries.

Coin receipts are the most common type of receipt. You need 1,000 coins to redeem a $5 reward. Typically, receipts pay between five to 100 coins, with more expensive receipts paying a higher number of coins.

Realistically, it takes dozens of receipts to earn a $5 reward unless you get lucky on the slot game. But if you’re already scanning receipts with other apps, the extra 30 seconds of using Receipt Hog helps you save even more. And for non-grocery receipts, Receipt Hog provides the chance to at least earn something for scanning them versus throwing those receipts out.

Plus, there’s always the chance you get lucky with the slots or monthly sweepstake and earn a few hundred dollars’ worth of bonus coins.

7. The Coupons App

The Coupons App is a free couponing app that’s available for Android and iOS. While the app isn’t exclusively for grocery coupons, it’s still an immensely valuable tool to save on groceries and everyday shopping.

The app works with hundreds of retailers and lets you search, save, and use coupons right from your smartphone. You can also search for local deals and enable notifications to alert you when a nearby retailer has couponing opportunities.

But if you’re looking for an app to save money on groceries, The Coupons App has you covered. Several notable retailers the app regularly has coupons for include:

  • Aldi
  • Costco
  • Dollar Tree
  • Family Dollar
  • Kroger
  • Publix
  • Safeway
  • Walgreens
  • Walmart
  • Whole Foods

Mobile coupons and weekly ads update daily to keep you in the loop about in-store deals. You can also create a grocery list within the app with the corresponding coupons you plan to use. If you frequently buy the same brands, you can set up tracking to receive brand-specific coupon notifications to ensure you don’t miss out on savings.

Other features include a gas-finder tool to save money on gas, an Amazon price tracker, and weekly cash giveaways.

The grocery list tool coupled with brand-specific coupon alerts is a useful money-saving combination. At the very least, it’s worth recreating your existing grocery list on The Coupons App and tracking coupons so you can passively collect coupons for your favorite brands.

8. Flipp

Flipp brands itself as an all-in-one savings app and says users save an average of $45 per week. That translates to over $2,000 in annual savings, which is quite a bold claim for a free app to make.

But if you want to save money on a tight budget and maximize grocery store savings, Flipp is worth downloading. The app lets you browse thousands of digital flyers from more than 2,000 retailers to find weekly deals to build your grocery list with.

Plus, Flipp has several other money-saving features:

  • Add Loyalty Cards. Save store loyalty cards to access during checkout to ensure you always earn points.
  • Mobile Coupons. Find and save coupons to your store loyalty cards for easy use at checkout.
  • Find Deals. Search for weekly flyer deals and trending offers on categories like groceries, household essentials, and electronics.
  • Shopping Lists. Create a grocery list or general shopping list. Flipp automatically finds any corresponding deals for the products you add.
  • Price Matching. Since Flipp provides access to thousands of flyers, you can search for specific products and compare prices between retailers. That makes it easy to price-match at checkout if the store allows price matching.

The price-matching feature is what makes Flipp so powerful. It’s difficult to manually track weekly flyers to find the best deals in town. With Flipp, all you have to do is search for specific products and compare flyer prices to see if there’s an opportunity to price-match.

For example, if you find strawberries are cheaper at Walmart but you prefer shopping at a nearby Target superstore, use Flipp to show the Walmart flyer and strawberry price when cashing out at Target. Since Target matches prices with Walmart on identical regularly priced products, you save money. It also lets you shop at your favorite store without worrying about missing deals at a grocery store across town.

Flipp is available for Android and iOS. Popular Flipp retailers include Kroger, Walmart, Meijer, and Family Dollar, but it also works at dozens of other superstores, grocery stores, and drugstores.

It takes some time to look through the app for coupons and price-matching opportunities. But even using Flipp’s weekly ads section to find in-store deals at your favorite grocery store helps you save money without much effort.

9. Coupon Sherpa

If you want a grocery coupon app that keeps things simple, Coupon Sherpa is a perfect choice. This free app lets you access thousands of mobile coupons while on the go, and there are also hundreds of grocery coupons available at any given time.

Coupon Sherpa also lets you search for nearby stores with available coupons or search for store-specific coupons. These features are handy when planning an upcoming grocery trip, and the in-app coupon map highlights local stores with the most couponing opportunities for the day.

Coupons scan at the register from your smartphone, and there are online-only coupon codes as well. Popular grocery stores Coupon Sherpa usually has coupons for include:

  • Aldi
  • Albertsons
  • Food Lion
  • Kroger
  • Meijer
  • Publix
  • Wegmans
  • Whole Foods

You won’t find extra features like weekly sales flyers or cash-back rewards, but that’s not Coupon Sherpa’s strength. Instead, Coupon Sherpa helps experienced and novice couponers quickly access coupons while on the go, ultimately saving time and money.

10. BeFrugal

If you want the best of both worlds when it comes to coupons and cash-back rewards, BeFrugal is a must-use resource for savvy shoppers.

In terms of grocery coupons, BeFrugal partners with Coupons.com to provide a database of printable coupons. You can also access weekly ad flyers to find deals at companies like:

  • Dollar General
  • Family Dollar
  • Meijer
  • Shop ‘n Save Food
  • Target
  • Walmart

Admittedly, the coupons and flyer selection on BeFrugal isn’t incredibly comprehensive. However, according to BeFrugal, you can earn up to 40% cash back at more than 5,000 stores, which is what makes this platform stand out.

Earning cash back is also simple. Once you create a free BeFrugal account, you browse the website or Android and iOS app to find brands to shop. When you want to shop at a partner store, BeFrugal redirects you to their website. After you make a purchase, you earn cash back. If you use Rakuten, another popular cash-back rewards website, it’s the same process.

Cash back accumulates in your BeFrugal account once the retailer verifies your purchase, which typically takes around seven days. You withdraw cash back through check, direct deposit, PayPal, or Venmo or choose free gift cards to retailers like Amazon, Kohl’s, Starbucks, and Walmart. There’s no minimum requirement for direct deposit, PayPal, and Venmo. Most electronic gift card rewards start at $5. Cashing out by check requires $25.

Some notable grocery partners include:

  • Instacart
  • Postmates
  • Sam’s Club
  • Target
  • Walgreens
  • Walmart

Instacart and Postmates are notable because online grocery shoppers can also use BeFrugal to earn cash back. Plus, new BeFrugal members get a $10 sign-up bonus if they earn cash back within one year of joining.

If you’re only looking for grocery coupons, other mobile apps are better choices. But for online grocery delivery and other online shopping, BeFrugal is a reliable way to score cash-back rewards and save. At the very least, use the $10 bonus to offset some of the delivery cost.

11. Mealime

One common way to overspend on groceries is to let good food go to waste.

According to a 2020 study published in the American Journal of Agricultural Economics, the average U.S. family wastes an astonishing 31.9% of the food they buy. That translates to annual U.S. consumer food waste of approximately $240 billion (about $740 per person). And every time you waste food, you waste money, which also offsets any progress you’re making with your grocery savings.

Food waste is either a sign of overspending or a lack of meal planning. If you want to reduce food waste, the first step is to understand what’s in your kitchen and utilize every ingredient.

Thankfully, Mealime helps you stay on track with recipe planning, letting you shop efficiently. With Mealime, you plan weeks of meals in just a few minutes and can choose recipes to fit over 200 different preferences and dietary restrictions. You can also add your own recipes by importing recipes from website URLs, using the Mealime browser extension, or entering ingredients and directions manually.

Once you create a meal plan, a grocery list automatically generates to save even more time. Plus, since Mealime knows how many people you’re cooking for, its grocery lists reduce food waste by making sure you don’t over-shop, saving more money per year.

Mealime is available for Android and iOS. Most features are free, and the $5.99-per-month pro version provides nutritional information and exclusive recipes and lets you view your previous meal plans.

Ultimately, Mealime isn’t as comprehensive as meal-planning services like $5 Dinners that send out weekly hand-picked recipes to suit your tastes. But if you’re confident in the kitchen and want to simplify grocery shopping and avoid wasting food, Mealime is the perfect app.

Even reducing your food waste costs by $10 per month is $120 in annual savings. And you can take comfort knowing you’re being a more socially responsible consumer.

12. SnipSnap

If you currently shop with paper coupons, SnipSnap is the perfect solution to simplify your life and to avoid forgetting coupons at home.

Once you download SnipSnap for Android or iOS, you take pictures of your paper coupons to transform them into digital coupons on your phone. You don’t have to waste time clipping coupons, and SnipSnap can digitize any printed coupon offer you have.

Additionally, SnipSnap has other helpful features:

  • In-Store Reminders. SnipSnap sends a push notification if you enter a store and have eligible coupons you can use.
  • Discover Feature. If you don’t have coupons, the discover tab lets you snip coupons from SnipSnap’s featured coupon catalog. You can also search its database to find store-specific coupons.
  • Expiration Warnings. SnipSnap notifies you when your coupons are close to expiring.
  • Store Success Rating. Check coupon success scores for different retailers to gauge how easy it is to redeem coupons at various retailers.

The in-store reminders feature is handy since it helps ensure you use as many coupons as possible when you shop, saving you more money. Plus, you can find digital coupons to avoid printing coupons, saving you money on ink.

Ultimately, SnipSnap is the modern version of a coupon book.

13. Dosh

One downside of many rebate apps is that you have to preselect products before shopping to earn rewards. That requires time, and if you forget to preselect offers before shopping, you don’t earn a penny.

Thankfully, Dosh takes the traditional rebate model and makes it passive. Once you link the credit and debit cards you shop with to your Dosh account, you automatically earn cash back for shopping at hundreds of Dosh partners. There’s no need to preselect offers or scan receipts since Dosh monitors your spending once you link your cards.

Dosh also works with popular grocery stores, warehouse clubs, and supplement stores like:

  • GNC
  • Instacart
  • Kroger
  • Sam’s Club
  • Target
  • Walmart
  • Uber Eats

Additionally, Dosh partners with numerous fast-food chains, clothing stores, and cosmetics companies and adds new partners regularly so you can earn for a variety of purchases.

You withdraw cash back once you reach $25. Redemption options include direct deposit, PayPal Cash, and Venmo. Cash-back rewards vary between brands and are subject to change. But you typically earn an additional 1% to 2% from most partners. Dosh rewards are also stackable with cash-back credit card rewards and coupons.

Exclusively shopping for groceries with Dosh means it will likely take months to reach $25. But if you use linked cards for all your spending, you can reach the $25 redemption minimum more quickly.

Dosh is free for Android and iOS. If you want a humble source of passive income that helps you save money on groceries and everyday purchases, Dosh deserves a spot on your smartphone.

Read our Dosh review for more information.

14. Shopkick

Shopkick is a mix between a rewards app and mystery shopping side gig. With Shopkick, you earn kicks, the in-app point system, by completing various tasks, including:

  • Walking into specific stores
  • Purchasing certain products and uploading a receipt with the Shopkick app
  • Scanning product bar codes
  • Watching videos
  • Shopping online through the Shopkick app
  • Linking your credit card to Shopkick and making purchases at eligible stores

A typical grocery trip with Shopkick might have several opportunities to earn. For example, you earn 15 kicks for walking into a Walmart, 10 kicks for scanning the bar code for Huggies diapers, and 120 kicks for buying a Shopkick offer of Jack Link’s beef jerky.

It takes 250 kicks to get to $1, and you can redeem most rewards at 500 kicks. Shopkick lets you redeem kicks for PayPal cash or free gift cards to retailers like:

  • Amazon
  • Best Buy
  • eBay
  • Nike
  • Sephora
  • Starbucks
  • Target
  • Walmart

Rebate apps like Ibotta and Checkout 51 usually have higher-paying offers than Shopkick. But Shopkick is unique because you can earn rewards without spending money through tasks like walking into stores or scanning bar codes. If you want a versatile and potentially free way to save on groceries, you can stack Shopkick with other rewards apps to earn rewards even faster.


Final Word

The most effective ways to save money on groceries start at home. Creating a family meal plan, reducing food waste, and getting creative with leftovers can help you make the most of what you buy. If you also shop at less expensive grocery stores, like Kroger instead of Whole Foods, you’re also taking steps to cut costs.

But apps that help you save money on groceries are worth using. You also don’t have to download every grocery app that’s out there. Diligently using one rewards app is better than downloading several apps you never open.

Pick one or several grocery apps that catch your eye and take an evening to create accounts for them.

You can also get creative and try other methods to save money at the grocery store and beyond. For example, GetUpside lets you earn cash back on gas and select grocery stores. Similarly, if you order groceries or meal delivery kits online, you can earn cash back by shopping with Rakuten.

Over time, you’ll discover which apps work best for your area and favorite stores and avoid paying full price ever again.

Source: moneycrashers.com

25 Best Kirkland Products You Should Buy at Costco

Costco has aggressively turned on its head the notion that a store brand is a notch below a national brand. How? By using its coast-to-coast strength to strong-arm suppliers to put quality as well as value into its Kirkland Signature offerings. A quarter of Costco’s annual sales now reportedly come from its Kirkland product lines, which first hit store shelves in 1995.

It’s no surprise. Costco continually upped its array of Kirkland Signature products, currently numbering 364 individual items, according to Costco’s website. Wary of store-branded items? Don’t be with Kirkland Signature. Many, if not all, are manufactured by top national and regional companies, including Duracell, which makes Kirkland Signature batteries, one of our recommendations.

On some Kirkland Signature products, don’t be surprised to see the name-brand manufacturer’s name co-branded with the Kirkland Signature, including the renowned Stearns & Foster on a Kirkland Signature by Stearns and Foster mattress (starting at $1,049.99), and nationally known Ocean Spray on the Kirkland Signature Cranberry Premium juice.

You’ll find the Kirkland Signature logo on everything from coffee to chicken stock, and golf balls to cheese wheels. We took a closer look at several Kirkland products getting accolades from customers and critics. You should check them out, too.

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Kirkland Signature Organic Animal Crackers

Animal crackers lined up on a table in front of a young boy's mouth Animal crackers lined up on a table in front of a young boy's mouth

Whether you’re feeding your children or your own inner child, Kirkland Signature Organic Animal Crackers are off the leash. The sweet snacks, in case you forgot, are in the shape of bite-size animals. Kirkland organic animal crackers come in a 64-ounce barrel, priced at $9.99, or about 16 cents per ounce. Walmart was selling a 24-ounce barrel of Stauffer Biscuit Co. (non-organic) animal crackers for $3.98, or about 17 cents per ounce. 

If you’re not a Costco member, you can order the same barrel of animal crackers on Amazon.com, but you’ll pay nearly double: $15.98, or about 25 cents per ounce. Shipping is free for Prime members.

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Kirkland Signature Bacon

Close-Up Of Bacon Slices In Barbecue GrillClose-Up Of Bacon Slices In Barbecue Grill

If everything is better with bacon, as the saying goes, then everything is super better with Kirkland Signature Bacon. The product-testing pros at Consumer Reports put bacon to the test and deemed Costco’s store-brand regular sliced bacon the top dog – make that the top pig. Testers raved about the taste, “noting its crispiness and balance of fat and meat flavors.”

They also raved about its price: Kirkland bacon typically sells for $1.50 less per pound than name-brand competitors. The Kirkland Signature sliced bacon comes in a pack of four one-pound individually wrapped packages for $18.99.

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Kirkland Signature Batteries

The tops of a collection of AA batteriesThe tops of a collection of AA batteries

With back-to-school shopping revving up and, ahem, the holiday shopping season not that far away, you’re going to need more power for all those energy-sucking gadgets. Kirkland Signature batteries can keep all those electronic toys and devices charged up at bargain prices. A 48-pack of Kirkland Signature AA batteries — made by Duracell — is $13.99 (down from $15.99 in November 2020), or about 29 cents per battery. BONUS: The day I was there, Kirkland batteries were on sale for $4 off, making this packet of AA batteries $9.99, or 20 cents per battery.

Stepping into name-brand batteries will cost you more at Costco (and much, more at other places). A 40-pack of Duracell CopperTop AA batteries is $17.99, for example, or more than 44 cents per battery. (Costco often puts Duracell batteries on sale, however, so check the flyer or shelf tag if you must have a name brand.)

Meanwhile, Walmart was selling 24-packs of Energizer AA batteries for $16.24, or 68 cents per battery.

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Kirkland Signature Cashews

Roasted cashews in a small bowl and on a tabletopRoasted cashews in a small bowl and on a tabletop

Costco knows nuts, and its Kirkland Signature Whole Cashews are a prime example. That’s not just this nut speaking.

“Costco’s nuts are always super-fresh and high-quality,” raves food and cooking website TheKitchn.com. “Unless you’re a big-time baker, 2- and 3-pound packages of nuts might seem like a daunting purchase, but don’t forget that they freeze beautifully.”

A 2.5-pound container of Kirkland Signature whole fancy cashews goes for $14.99, or $5.99 per pound, a good savings over the going rate for 2-pound, 1-ounce containers of Planters whole cashews at Walmart. They were selling for $18.98 per container, or about $9.49 per pound.

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Kirkland Signature Cheese Wheel

Grocer with cheese wheel, partial viewGrocer with cheese wheel, partial view

Excessive, yes, but there’s an odd appeal to having your own 72-pound wheel o’ cheese. Costco knows this and complies. The Kirkland Signature Whole Wheel Parmigiano Reggiano can be yours for $949.99  or $13.99 per pound (up fifty bucks from 2019, when it was $899.99, or $12.50 a pound). I’ve had a piece of said wheel and it’s exceptional.

That per-pound price is a bargain, by the way, compared to Wegmans Italian Classics Parmigiano Reggiano Cheese sold at the regional Wegmans supermarkets, where chunks were going for $20.99 a pound (in various size chunks). But alas, the question inevitably arises: What do you do with a whole wheel of Parmigiano Reggiano? One answer: Pasta – lots and lots of pasta. And some foodie sites note if properly stored, the aged cheese can last for many months, and some say it can be frozen.

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Kirkland Signature Chicken Stock

chicken soup with noodles in a white bowl on wood background in rustic style chicken soup with noodles in a white bowl on wood background in rustic style

For home chefs who do a lot of cooking, Kirkland Signature Organic Chicken Stock is a winner in taste and price. But be warned: You’re bulk-buying an entire case of chicken stock.

Still, it’s a good investment. Stock has a long shelf life, and the six quart-size boxes of organic chicken stock you’ll get at Costco cost just $10.99, or about $1.83 per quart. At Walmart, a single quart-size box of Swanson  chicken stock was selling for $2.72; however, it is not organic.

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Kirkland Signature Coffee Pods

Opened and unopened coffee podsOpened and unopened coffee pods

If K-cups for the Keurig brand of coffeemakers help power you through your day, Costco has something for you to brew. Its lineup of boxes of Kirkland Signature K-cups include boxes of 120 medium roast pods for $34.99, or about 29 cents a pod.

You don’t have to go far to price-compare. Costco sells other brands, including a box of 72 Dunkin Donuts original blend medium roast coffee pods for $36.99. That comes out to 51 cents a pod.

Not a podster? Costco features a whole lineup of Kirkland Signature ground and whole-bean coffee, plus those of competitors. 

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Kirkland Signature Diced Tomatoes

Top view of an opened can of diced tomatoes on a tableTop view of an opened can of diced tomatoes on a table

There’s a lot of cooking going on in our house, even by me. We go through a lot of tomatoes, and turn to Costco for help. In my opinion, Costco’s Kirkland Signature organic diced tomatoes — in boxes of eight 14.5-ounce cans — are the best. Each can is packed densely with tomatoes, whereas other, national brands are more watery. Each box sells for $5.99, or about 75 cents per can (and the price hasn’t changed in years). At Walmart, similar-size cans of its store brand Great Value organic petite diced tomatoes sell for $1.08.

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Kirkland Signature Dishwasher Pods

Two dishwasher podsTwo dishwasher pods

If you run the dishwasher a lot, costs mount for those convenient dishwasher soap pods, especially if you’re buying name-brand detergent. You don’t have to.

Kirkland Signature Premium Dishwasher Pacs get the job done at a fraction of the price of national brands. You’ll pay $9.99 for 115 pods, or less than 9 cents per load. Costco also stocks packages of Cascade Complete Action pods for $15.99 for 90 pods, or more than 18 cents per load, twice the cost of the Kirkland brand. In recent testing by Consumer Reports, Kirkland’s pods bested all competitors including name-brand pods from Cascade and Finish.

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Kirkland Signature Organic Brown Eggs

Brown eggs in an egg cartonBrown eggs in an egg carton

We go through a lot of eggs in our home, and the 24-pack of Kirkland Signature Organic Brown Eggs are always on the shopping list. They’ve been consistently good, and they come in at the right price: $6.29 for the 24-pack. That’s 29 cents per egg.

By comparison, a carton of 18 Walmart Marketside large organic  was $5.74, or 32 cents per egg.

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Kirkland Signature Energy Shots

A man drinks an energy shotA man drinks an energy shot

Sometimes you need a little liquid encouragement to get through your busy days. Not that. This: Costco sells 48-count packages of 2-ounce Kirkland Signature Energy Shots for $34.99, or about 73 cents per shot. The day I was there an $8-off coupon discounted that price to $26.99, or 56 cents per shot.

By contrast, a single 1.93 ounce shot of 5-Hour Energy was selling for $2.78 at Walmart.

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Kirkland Signature Food Wrap

Plastic food wrap wrapped around a dish with foodPlastic food wrap wrapped around a dish with food

Popularly known as “Saran wrap,” Costco can’t call its food wrap by that name because SC Johnson owns the trademarked Saran brand. By any name, however, the Kirkland Signature version is a winner on quality and price.

And here’s one where Costco’s Kirkland Signature co-brands with a national brand, Stretch-Tite. A single 3,000 square foot roll of Kirkland Signature Stretch-Tite Plastic Food Wrap sells for just $13.49, or about a half a cent per square foot. That’s 3,000 square feet of plastic wrap. At Walmart, a 225-square-foot roll of Reynolds Kitchens plastic food wrap was selling for $2.98, or about 1 cent per square foot.

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Kirkland Signature Gasoline

Cars being fueled at a Costco Gas Station in OregonCars being fueled at a Costco Gas Station in Oregon

Not every Costco has a gas station adjacent to it, but the club locations that do have them see steady, and strong, business. What gives? The savings. A Costco in central Virginia was selling regular Kirkland Signature Gasoline for roughly 9% less than nearby national brand stations. Sure, the difference is a few pennies per gallon, but on a fill-up you might save $3 or more – not bad if you’re heading to Costco anyway.

Factor in how valuable your time is, though. Even on a weekday afternoon, at least 7 vehicles were waiting in line, sometimes for 20 minutes or longer, to get to Costco’s gas pumps. That’s a lot of idling.

And one pro tip, fellow Costco gas guzzlers: Costco’s hoses are extra long, meaning you don’t have to drive up to the pumps on the side of the car where your gas tank door is located. If you’re close enough to the pump, the hose will reach either side. Many people waste precious minutes waiting to pull up to the “right” side of the pump.

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Kirkland Signature Golf Gear

Gloved hand removing a golf club from a golf bagGloved hand removing a golf club from a golf bag

When Costo released its Kirkland Signature golf balls in 2016, they were an immediate sensation, highly lauded by pros and amateurs alike. They also quickly sold out, as they were compared to the highly lauded Titleist Pro V1. 

They’re back. You can pick up a 24-pack of Kirkland Signature V2.0 Performance three-piece golf balls for $24.99. Costco-branded golf balls typically retail for 60% less than a Titleist.

But wait. There’s more: The equally lauded Kirkland Signature KS1 Putter is on Costco shelves for $139.99. Need a bit more in your bag? A Kirkland Signature 3-piece golf wedge set is $159.99.

While you’re at it, pick up a four-pack of Kirkland Signature golf gloves — sizes vary — for $19.99.

We can’t guarantee this Kirkland Signature will improve your game, but we can guarantee you’ll save a few bucks.

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Kirkland Signature Honey

Image of honey dripping from a spoonImage of honey dripping from a spoon

Costco is sweet on its Kirkland Signature brand of 100% U.S. raw, unfiltered honey in 3 pound jars. The price goes down easy: $8.99, or about 19 cents per ounce.  A 12-ounce jar of Walmart’s Great Value raw, unfiltered honey was $3.38, or 28.2 cents per ounce. 

 

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Kirkland Signature Italian Sparkling Water

Sparkling water and lemon on office wooden desk table.Sparkling water and lemon on office wooden desk table.

If you like your Italian mineral water sparkling, you might often turn to the classic San Pellegrino. Costco knows that. It stacks cases of its Kirkland Signature Italian Sparkling Mineral Water near cases of Pellegrino. I detected no taste difference, but there certainly was a price difference.

A case of 24 16.9-ounce bottles of Kirkland Signature Italian sparkling water was selling for $12.99 (same price as 2019), while a similar size case of Pellegrino sparkling water was $17.99 ($1 more a case at Costco than 2019).

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Kirkland Signature Laundry Detergent

Close-up Of A Person's Hand Pouring Detergent In LidClose-up Of A Person's Hand Pouring Detergent In Lid

So … it does all come out in the wash.

Costco tapped its Kirkland Signature brand to help do the laundry, and less expensively than national brands, some stacked and stocked near the KS brand.

For comparison’s sake, we spotted the Kirkland Signature UltraClean Premium liquid laundry detergent in 194-ounce jugs selling for $15.99 and yes, the packaging does look strikingly like Tide’s signature colors. UltraClean comes in at 8 cents per ounce.

Nearby, stacks and stacks of 150-ounce jugs of Tide Advance Power laundry detergent challenged UltraClean. But Tide Advance was selling for $19.99, or 13 cents per ounce. 

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Kirkland Signature Olive Oil

Feta salad with red bell peppers, tomatoes and olive oil Feta salad with red bell peppers, tomatoes and olive oil

Costco’s olive oil rises to the top, notes the University of California, Davis, which conducted a chemical and sensory study of olive oils. Kirkland Signature Organic Extra Virgin Olive Oil was one of only a few imported oils that met international and U.S. standards for extra virgin olive oil. The many brands that fell short in the testing were diluted with cheaper oils and exhibited problems with quality and flavor.

What’s also nice is the price. A 2-liter bottle of Kirkland Signature EVOO was $11.99, or about 17 cents per ounce. News flash: You can skip the Costco membership and get this same 2-liter bottle of Kirkland Signature EVOO on… wait for it: Walmart.com Um-hmmm. But it will set you back $34.24, nearly three times the cost at Costco.

Walmart does have its own branded EVOO. Its Great Value organic extra virgin olive oil is $9.86 for a 51-ounce jar, or about 19 cents per fluid ounce, and we’re not sure if it’s received accolades.

Note, too, the Kirkland Signature name is on a wide lineup of other cooking oils, including coconut, canola and corn.

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Kirkland Signature Organic Peanut Butter

Child eating peanut butter from the jar using a spoonChild eating peanut butter from the jar using a spoon

When my wife finally weaned me off creamy (and delicious) Jif peanut butter and into the world of peanut butter made without sugar (just peanuts; maybe some salt), my snacking world changed.

Our go-to brand had been Smucker’s organic creamy peanut butter, but after diving into Kirkland Signature Organic Peanut Butter, that, too, has changed. It’s just as good as Smucker’s, maybe even better, and there’s no arguing with the price. You can get two 28-ounce jars of Kirkland peanut butter for around $10, or 18 cents per ounce, while just one 16-ounce jar of Smucker’s costs $4.48 at Walmart, or 28 cents per ounce.

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Kirkland Signature Rotisserie Chicken

Dozens of whole chickens being roasted in an industrial broilerDozens of whole chickens being roasted in an industrial broiler

The Costco I go to in Virginia’s Shenandoah Valley must roast hundreds of chickens a day in its giant rotisserie oven, which is constantly getting loaded and off-loaded by the white-coated chicken changers. These Kirkland Signature Rotisserie Chickens are always tasty, and what’s not sold is repurposed in other Costco fresh foods made onsite. You can find some of that leftover poultry in Costco’s Kirkland Signature chicken noodle soup and packages of shredded chicken, great for creating a variety of your own dishes at home (and it freezes well).

The best part: Costco has consistently kept the price of each roasted chicken at $4.99, likely looked at as a loss leader. At a nearby Walmart, a lone rotisserie chicken was selling for $7.67 with nary a rotisserie in sight.

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Kirkland Signature Toilet Paper

A package of Kirkland toilet paperA package of Kirkland toilet paper

No one longs for the darker days of the pandemic, hunting down toilet paper anywhere you could. Some retailers, Costco included, limited how many packets you could buy. And most of what Costco sells in that department are 30-packs.

TP shortages seem to be a thing of the past. And not that it’s anybody’s business, but our house is Team Costco when it comes to TP. Kirkland Signature 2-ply bath tissue is a steal. Thirty high-quality rolls sell for just $16.99, a price Costco didn’t up during the pandemic. That price has been steady for years.

Facial tissue is another story. One shopping expert we consulted knocked the quality of Costco’s Kirkland Signature facial tissue, earning it a spot on our list of the worst things to buy at warehouse clubs.

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Kirkland Signature Organic Tortilla Chips

Tortilla chips and salsa on a tableTortilla chips and salsa on a table

This one is fairly new on our Kirkland Signature amazing lineup of snacks: 40-ounce (2.5 pounds) bags of Kirkland Signature organic tortilla chips. At about $5 a bag, or 12 cents per ounce, the price is right and the chips are tasty and durable enough to stand up to my amazing salsa-with-a-burn  (made with Kirkland organic diced tomatoes, naturally). Compare that to a 7.5-ounce bag of Simply Doritos Organic White Cheddar Tortilla Chips at Walmart. They sell for $2.98, or 40 cents per ounce.

Or if you crave the Kirkland Signature chips and you’re not a Costco member, you can buy a 40-ounce bag on Walmart.com … for $22.20.

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Kirkland Signature Vitamin Water

Bottles of vitamin waterBottles of vitamin water

Yes, bottles of the fruit-flavored, no-calorie and mineral-rich Kirkland Signature Vita Rain Zero are strikingly similar to Glaceau Vitaminwater Zero, but I dare you to find any difference in taste. There is a difference in price, which is significant to me; I drink a lot of this stuff.

Costco tabbed Kirkland’s 24-count variety pack of 20-ounce Vita Rain Zero bottles at $9.99, or about 42 cents per bottle. Walmart was selling Coca-Cola-owned Vitaminwater Zero Sugar Rise, electrolyte-enhanced water with vitamins for $4.98 for a six pack (these are 16.9-ounce bottles), or about 83 cents per bottle.

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Kirkland Signature Vodka

A drink being make with vodkaA drink being make with vodka

Wine snobs are already familiar with Kirkland Signature wines (more on those later), but spirits snobs might still be in the dark about Costco’s store-brand booze. Costco isn’t allowed to sell liquor in all of its stores; many states limit the warehouse club to beer and wine. But some states do give the green light to Costco selling liquor, and its vodka is a hands-down winner, rave spirits experts including Bon Appetit.

I first stumbled upon Kirkland Signature Vodka while shopping at a Costco on Florida’s Gulf Coast. Not that I’m so into vodka, but I do know good from bad. Kirkland’s vodka ranks up there with my fav, Tito’s Handmade Vodka, and it costs less.

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Kirkland Signature Wine

Two glasses of wine and a bottle on a table in sunlight.Two glasses of wine and a bottle on a table in sunlight.

Costco is the biggest seller of wine in the U.S., with estimated annual wine sales of $1.8 billion, and the warehouse club’s Kirkland Signature wines are a big reason behind the booming demand. As Annette Alvarez-Peters, who heads Costco’s wine-buying team, told Wine Spectator, “The Costco consumer is very loyal to the [Kirkland Signature] brand. They will always give the item a shot.” And why not? Wine rating websites typically give Kirkland Signature wines high scores in the mid-to-upper 80s out of 100.

One hint for picking especially good Kirkland Signature wines: When you see the Costco brand on the front label, turn the bottle around. You just might find the name of the source winery on the back label. That can tell you a lot about the experience of the wine maker and the quality of the grapes. Alternatively, read reviews online. This Costco-centric wine blog, for one, has taste-tested plenty of Kirkland Signature wines. In my own taste-testing of whites I found a nice Kirkland Signature Cabernet Sauvignon and a Kirkland Sonoma County Chardonnay for $7.99 each. These are big boys, too,1.5 liter bottles, not the typical 750 milliliters for mass retailers’ house wines, including Walmart, with its private label wines called Winemakers Selection, selling for about $5 to $12.99 per bottle, or Aldi, with its Winking Owl varieties, including chardonnay, pinot grigio, shiraz, zinfandel, merlot and cabernet sauvignon, selling for $2.95 a bottle.

Source: kiplinger.com

11 Foods That Can Keep for Years

Woman shopping for groceries
Prostock-studio / Shutterstock.com

If you hadn’t previously thought about how you would build up a food supply for an emergency, the coronavirus pandemic probably made you consider it.

What kinds of foods are best to keep in the pantry and freezer in case of a natural disaster, zombie apocalypse or pandemic that drags on for more than a couple of weeks?

Start with the following options. These foods can last for years before going bad.

1. Oats

This prolific cereal grain and staple of many American breakfast tables can last up to 30 years, according to the Utah State University Extension.

Store oats in airtight containers in a cool, dark, dry place. To maximize shelf life, use oxygen absorber packets.

2. White rice

Also known as polished rice, white rice has a shelf life of 25 to 30 years when properly stored. That’s why we included it in “20 Things That Are Actually Worth Stockpiling.”

The best temperature for storing this grain is 40 degrees Fahrenheit or lower. The best container is one that is sealed and oxygen-free.

3. Popcorn

Unpopped kernels can last two years, according to the Institute of Agriculture and Natural Resources at the University of Nebraska-Lincoln. Best storage is at room temperature.

4. Dark chocolate

Dark chocolate lasts up to two years if properly stored, according to Harvard’s T.H. Chan School of Public Health.

It should be stored in a tightly sealed containers and at a temperature of 65 to 70 degrees. Keep it in a dry location as well. Do not refrigerate it, because the sugar can rise to the surface and give the chocolate a whitish appearance.

5. Honey

Winnie-the-Pooh’s favorite can remain stable indefinitely, according to the National Honey Board. However, a two-year shelf life is standard.

The trade group explains:

“Honey stored in sealed containers can remain stable for decades and even centuries! However, honey is susceptible to physical and chemical changes during storage; it tends to darken and lose its aroma and flavor or crystallize. These are temperature-dependent processes, making the shelf life of honey difficult to define.”

6. Powdered milk

According to the U.S. Department of Agriculture’s FoodKeeper storage guide, powdered milk can last three to five years — but keeps only three months once the package has been opened.

For best storage, keep at cool temperatures in a dark location.

7. Dried beans

Dried beans and lentils have a shelf life of up to 30 years or more when stored properly, according to the Utah State University Extension. However, for best color and flavor, they should be used within 12 months.

The best method of storage is in No. 10 cans or Mylar-type bags with the oxygen removed, and keep the beans at a colder temperature.

8. Certain cheeses

Low-moisture, hard cheese can last from 10 months to several years, reports Dairy Foods Magazine. For example, the typical shelf life for Parmesan is up to five years, and that of aged cheddar is up to 10 years.

The Food Network has a handy how-to on best practices for cheese storage.

9. Canned foods

Generally, commercially canned foods that are canned in liquid should maintain their best quality until their expiration date, which is usually two to five years from the manufacture date, according to the Utah State University Extension.

Note that unopened home-canned foods have a shorter shelf life — one year — and should be used before two years. The USU Extension explains:

“Commercially canned foods are superior to home canned for food storage. Commercial canners can closely control quality and safety to produce the best product.”

When buying canned foods, avoid cans that are:

  • Rusted
  • Dented
  • Scratched
  • Bulging

10. Frozen foods

That succotash that’s been in your freezer for years might not taste amazing, but it’s perfectly safe and likely still nutritious — assuming your freezer has been kept at zero degrees Fahrenheit or colder.

According to the U.S. Department of Agriculture, foods frozen at that temperature remain safe almost indefinitely, and freezer storage has little to no effect on food nutrient value. Quality is a different matter, but the USDA has a handy storage chart showing how long different frozen foods maintain their quality.

The USDA recommends storing frozen food in packaging that keeps air out.

11. Sugar

How long does the sweet stuff last? Domino Sugar says:

“Sugar, properly stored, has an indefinite shelf life because it does not support microbial growth.”

However, Domino adds that sugar is best when used within three years of purchase. Powdered sugar is best when used within two years of purchase.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

How to Organize a Refrigerator: 15 Secret Tips Everyone Should Know

Your refrigerator is arguably one of the most important items in your kitchen. The fridge keeps your food cold, preserving it for future use and maintaining a fresh taste. We use it so often that it’s bound to get a little messy. And while you should always do routine cleaning, it’s still important to keep it as clean and organized as possible between cleanings.

Whether you’ve got a commercial-sized fridge or a mini one, here’s how to organize a refrigerator so it stays clean for longer and you can easily find whatever you need whenever you need it.

1. Separate your fruits and vegetables

Fruits and vegetables in a refrigerator.

Fruits and vegetables in a refrigerator.

There’s a reason your refrigerator has separate drawers for fruits and vegetables. While many of us disregard them and throw whatever we want in the different drawers, using them properly helps to keep your fruits and vegetables fresh for longer.

Fruit does better in low humidity and will last longer when there’s less moisture, so its drawer will keep things dry. On the other hand, vegetables thrive in humidity, so its drawer allows more moisture.

2. Wait to cut your produce

Cutting your fruits and vegetables before storing them makes them go bad faster. And, once they’ve been cut, you need to put them into a separate container, so they’ll take up more room in the refrigerator.

Wait to cut your fruits and vegetables until you’re ready to eat or use them. Doing so will also help save space and keep items good for longer.

3. Fill your fridge

Your fridge runs most efficiently and keeps food the freshest when it’s between 60 percent and 70 percent full. If it’s too full, your refrigerator has to work extra hard to keep things cold and not all of the food will receive proper airflow, so it will go bad faster. And if it’s too empty, it has only air to keep cool, and air doesn’t retain the cold as well as actual food and drink items.

If your refrigerator has too much inside, it’s time to clean it out. And if you need to fill it up, you can add a few jugs of water to help retain the cool temperature.

4. Put non-perishables in the door

The door is the warmest part of your fridge, so it’s best to keep non-perishables on the shelves in the door. Things like condiments, butter and margarine, cheeses and eggs won’t go bad quickly, so they’re perfect for the door.

Avoid putting things like milk and meats in the door, since they’ll rot quickly if it’s too warm.

5. Place perishables near the front

Not sure how to organize a refrigerator best for perishable items? While you don’t want perishables in the door where it’s warmest, you don’t want to tuck them in the back. Keep your meats, fish and milk near the front where you see them frequently — reminding you to use them before they go bad.

6. Store meats and seafood on the bottom

Meats and seafood in a refrigerator.

Meats and seafood in a refrigerator.

Items like meat, fish and crustaceans have fluid in them that, when uncooked, can contaminate other foods. To reduce the risk of these liquids dripping down onto other things in the fridge, store your meats and seafood on the bottom shelf. You should also keep them in containers with high edges so fluids won’t spill if the items get bumped on accident.

7. Line your shelves

To make cleaning quick and easy, line your shelves. You can either buy plastic or silicone shelf liners or use plastic wrap. If something spills or your refrigerator simply needs cleaning, you only need to remove the liner and replace it — no scrubbing required!

8. Remove odors with activated carbon

Many people use baking soda to soak up unfavorable scents in the fridge, but activated carbon actually works better for getting rid of odors. Typically used for pet containers, activated carbon is found at pet stores.

You’ll use it in basically the same way as baking soda. Set the container inside the refrigerator where it can absorb the scent.

9. Organize condiments

Condiments in a refrigerator.

Condiments in a refrigerator.

Figuring out how to organize a refrigerator condiment shelf can become a mess very quickly. Keeping bottles upright without them falling over makes it hard to keep track of which bottles are full and which are almost empty. To help them stand up and stay in place, place an egg carton in the bottom and put the top ends of condiment bottles in each indentation.

This also makes it nice when you use the condiments because you don’t need to shake the bottles to get to what’s inside — it’s already at the top!

10. Add a Lazy Susan

If you’re constantly reaching over food to get to the back of the shelf in the fridge, try using a Lazy Susan. This will make it easier to reach things and keep food from being forgotten in the back.

11. Leverage magnets

Magnets aren’t limited to the outside of the fridge! Use small magnetic containers for inside the fridge, where you can store small items you want to keep fresh, like pomegranate seeds and other seeds or nuts.

This will allow you to put them on the sides of the refrigerator, leaving shelf space for other food items. There are also magnetic bottle holders that will store your metal-top bottles on the ceiling of the fridge, so you don’t need to reach between things to grab yourself a cold beverage.

12. Hang resealable bags

Storing things in resealable bags is practical, but storing them is a different story. They’re hard to stack and are easily forgotten if other containers are in front of them.

To keep them in easy reach, you can buy a Ziploc bag holder that will hold your bags in an organized fashion or you can use binder clips to keep them together and clip them to the edge of a shelf.

13. Refrigerate only what needs it

There are some food items that we refrigerate, but don’t actually need to keep chilled. Putting only items that need refrigerating in the refrigerator will leave more room for the items that do need it.

If you’ve got potatoes, tomatoes, onions or watermelon (to name a few), you only need to refrigerate them after they’ve been cut open. So keep that whole watermelon off the shelf and store it on the counter!

14. Label with a marker

Labels can help you organize a refrigerator and help you find items more easily. Use a dry erase, wet erase or chalk marker to write labels on shelves or even the walls, then wipe them away when it’s time to change!

15. Wrap cheese in wax paper

Cheese wrapped in wax paper.

Cheese wrapped in wax paper.

Blocks of cheese often come in plastic and it’s tempting to store them in a resealable bag once you’ve opened the original packaging. However, cheese keeps for longer and tastes better when it’s wrapped in wax paper.

Plus, plastic bags can look messy, especially if they’re much larger than the cheese they’re holding, and wrapping it in wax makes it look cleaner in the fridge.

Refrigerator organization helps keep things clean

The key to keeping your refrigerator clean is keeping it organized! Like with an organized pantry, your food will stay fresh for longer, you won’t forget about the items you put in your fridge and you’ll be able to quickly find everything you need.

Use the refrigerator organization tips above to organize your own fridge and keep it clean and tidy!

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Source: apartmentguide.com

Chase Freedom 5% Cash-Back Categories This Quarter (Calendar)

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

The Chase Freedom Flex℠ Card and its predecessor, the original Chase Freedom Credit Card, are among the most popular no-annual-fee cash-back credit cards on the market. That’s due in part to their distinctive rewards programs, which pay up to 5% cash back on select purchases.

Chase Freedom Flex vs. Chase Freedom: Key Differences

Both Chase Freedom and Chase Freedom Flex are no-annual-fee cards, but the original Freedom card offer restricts 5% cash-back earnings to a handful of favored spending categories that change each quarter. Chase also caps the amount of bonus cash back you can earn each quarter at $75 across all bonus categories, or $1,500 in total combined purchases.

Regular purchases and bonus category purchases above the quarterly spending cap earn unlimited 1% cash back. But it’s clearly in the cardholder’s financial interest to maximize bonus cash-back earnings each quarter.

The Freedom Flex card is more generous, with a permanent 5% cash-back category covering travel purchased through the Chase Ultimate Rewards travel portal and a separate 3% cash-back category covering drugstore and restaurant purchases (including CVS and Walgreens).

But Freedom Flex also has 5% bonus categories that offer serious value for cardholders able to match their spending accordingly.

That’s not as difficult as it sounds. There are plenty of ways to boost your cash-back earnings on the Chase Freedom cards’ 5% bonus cash-back categories this quarter.


Chase Freedom 5% Bonus Category Calendar (Cash-Back Calendar): 2020 and 2021

But first, let’s look at the Chase Freedom cards’ 5% rotating categories for the last half of 2020 and the first three quarters of 2021.

  • Q3 2020: Amazon.com and Whole Foods market
  • Q4 2020: Walmart and PayPal
  • Q1 2021: Warehouse clubs, Internet/cable/phone services, select streaming services
  • Q2 2021: Gas stations, home improvement stores
  • Q3 2021: Grocery stores, select streaming services

To earn a 5% cash-back bonus on up to $1,500 in combined category purchases this quarter, you must manually activate your bonus cash back. Log into your account and click “Activate” near the 5% cash-back icon.

As long as you activate by the 14th day of the quarter’s last month (that’s March 14, June 14, Sept. 14, and Dec. 14), all bonus category spending up to the quarterly category cap earns cash back retroactive to the quarter’s very first day.

Note: While the 2020 quarterly bonus categories are no longer in effect, they exemplify Chase Freedom’s 5% cash-back categories and remind us why these Chase credit cards are among the best cash-back credit cards on the market. All have appeared at various points in the past, so it’s reasonable for cardholders to expect them to return at some point in the future — perhaps later in 2021 — and continue earning bonus points.


Chase Freedom 5% Bonus Categories: Q3 2021

From July 1 through Sept. 30, 2021, Chase Freedom and Freedom Flex have two bonus cash-back categories: grocery stores and select streaming services.

Grocery Stores

This category includes most purchases made at grocery stores and supermarkets with the notable exception of Walmart and Target locations with supermarket sections.

Purchases of the following are generally excluded from bonus cash-back calculations:

  • Lottery tickets
  • Money orders
  • Gift cards
  • Other cash-like purchases made at the customer service desk

Certain other grocery store purchases may not qualify for 5% bonus cash back, including purchases from stores’ prepared foods sections, restaurants and cafes (such as Starbucks and food courts) within supermarkets, and alcohol sold separately from other grocery items.

Select Streaming Services

This category covers purchases made with select streaming content providers, including:

Some eligible providers may not be listed here. Because the streaming landscape is in constant flux, check with Chase for a complete list of eligible providers.

And to be sure you capture 5% cash back on all eligible streaming purchases, designate your Chase Freedom or Freedom Flex card as your autopay method for all eligible services through the end of September.


Historical 5% Bonus Categories for Chase Freedom and Chase Freedom Flex

Chase often recycles past bonus categories, so it’s worth taking a look back at the most recent few quarters for a hint at what could be coming down the road.

Chase Freedom 5% Bonus Categories: Q3 2020

From July 1 through Sept. 30, 2020, Chase Freedom and Freedom Flex had two bonus cash-back categories: Amazon.com and Whole Foods Market purchases.

Unlike some Chase Freedom 5% cash-back categories, this quarter’s were straightforward. All qualifying purchases made on Amazon.com and at Whole Foods Market locations (including online orders for pickup or delivery) qualified for bonus cash back.

Portions of purchases made with redeemed Ultimate Rewards points (using Chase’s Shop With Points feature) aren’t eligible for cash back.

Chase Freedom 5% Bonus Categories: Q4 2020

From Oct. 1 through Dec. 31, 2020, Chase Freedom and Freedom Flex had two bonus cash-back categories: Walmart and PayPal.

Walmart

This category covered eligible purchases made at physical Walmart stores and at Walmart.com, including purchases of perishable items like produce and seasonal items that might not be available in-store or online year-round.

Depending on how these purchases are categorized, cash-like purchases or transactions such as lottery tickets and money orders may not qualify for cash back.

Also, Walmart and Walmart.com purchases made using PayPal qualified only for 5% cash back, rather than 10% cash back (as one might assume).

PayPal

This category covered eligible PayPal purchases made using a Chase Freedom or Freedom Flex card linked to the user’s PayPal account. Because PayPal is accepted by millions of merchants worldwide, this is an unusually versatile category that should be fairly easy to fully exploit.

Chase Freedom 5% Bonus Categories: Q1 2021

From Jan. 1 through March 31, 2021, Chase Freedom and Freedom Flex had three bonus cash-back categories: warehouse clubs; Internet, cable, and phone services; and select streaming services.

Warehouse Clubs (Wholesale Clubs)

This category covered purchases at warehouse stores like Sam’s Club, BJ’s Wholesale, and Costco.

However, there’s a significant limitation for regular Costco shoppers: Costco doesn’t accept Mastercard in-store or at its fuel pumps, which means these two Mastercard products are only good for use on purchases at Costco.com.

Internet, Cable, and Phone Services

This category covered purchases made with telecommunications providers, Internet service providers, phone companies, and cable TV providers. Eligible services included:

  • Home Internet service
  • Landline telephone service
  • Cellular telephone services and data plans
  • Cable TV service
  • Flat-rate multiservice bundles provided by telecom companies, like cable-Internet and cable-Internet-landline

Purchases of telecommunications equipment, such as smartphones and modems, generally didn’t qualify for bonus cash back unless you made them directly with eligible service providers as part of a service package.

Select Streaming Services

This category covered purchases made with select streaming content providers like Hulu, Disney+, YouTube and YouTube TV, and multiple streaming music providers. The program terms included the complete listing of eligible streaming services.

Chase Freedom 5% Bonus Categories: Q2 2021

From April 1 through June 30, 2021, Chase Freedom and Freedom Flex had two bonus cash-back categories: gas stations and home improvement stores.

Gas Stations

This category covered purchases made at gas stations and travel centers, usually including:

  • Gasoline purchases made at the pump
  • Gasoline purchases made inside the store or with the attendant on duty
  • Purchases made inside convenience stores attached to gas stations, such as snacks, beverages, and automotive supplies

“Gas station purchases” generally do not include purchases made at gas stations associated with warehouse stores like Costco or superstores like Kroger.

At automotive shops or service stations with gas pumps present, purchases of auto-repair services, automotive parts, car washes, and other automotive products and services may or may not count as “gas station purchases” for cash-back purposes. It all depends on the merchant category code used by the vendor.

Home Improvement Stores

This category covered purchases at home improvement retailers like The Home Depot, Lowe’s, and Menards.

Purchases at owner-operated hardware stores, whether franchised under a national brand like Ace Hardware or completely independent, may also have qualified for the 5% bonus.

For ideas to maximize your savings while earning home improvement bonus cash, review these proven Home Depot shopping tips and tricks.


How Chase Tracks Cash Back

The Chase Freedom cards’ cash-back accounting is a bit technical, but there’s not much math involved.

Like most credit card issuers, Chase distinguishes between purchases eligible to earn cash back and cashlike transactions, which aren’t cash-back-eligible. Examples of cashlike transactions include:

  • Balance transfers
  • Cash advances, including ATM withdrawals
  • Purchases of gift cards
  • Purchases of lottery tickets, casino chips, and other gaming tokens

Cash-back-eligible purchases include most net purchases made with merchants online and in the real world. “Net purchases” means the total transaction amount (including tax, if applicable) minus any refunds, discounts, or chargebacks.

All cash-back-eligible purchases earn 1% cash back with no caps or restrictions on earning potential.

Eligible purchases in the bonus categories earn an additional 4% cash back for a total of 5% cash back — up to the $1,500 combined quarterly spending limit, after which bonus category purchases earn unlimited 1% cash back.

Chase Freedom’s credit card statements distinguish between 1% base cash back and 4% bonus cash back.


6 Tips to Earn More Cash Back With Chase Freedom

No matter what’s earning 5% this quarter, use these tips to maximize your Chase Freedom cards’ bonus cash-back earnings.

1. Set a Reminder to Activate Bonus Cash Back Each Quarter

If you forget to activate your bonus categories by the middle of the last month of the quarter, you won’t earn any bonus cash back during those three months — meaning you miss out on up to $75 in bonus cash-back earnings.

Chase sends out activation reminder emails about two weeks before the start of each quarter. Clicking the link in the email activates your bonus cash back with no sign-in required.

Otherwise, set a calendar reminder for the first day of the quarter and activate your bonus cash back then. Remember, bonus cash back is retroactive to the beginning of the quarter when you activate by the 14th of its last month.

2. Avoid Using Digital Wallets or Third-Party Payment Apps

Chase warns that transactions made using digital wallets like Apple Pay and third-party payment apps like Square and PayPal may code differently than standard transactions.

If that happens, you earn just 1% cash back, even when you buy from bonus category merchants. To be safe, don’t use these apps for bonus category purchases.

3. Set Up Autopay With Bonus Category Merchants

A week or two before the start of the quarter, set up autopay with merchants eligible for bonus cash back in the coming three months.

You can usually set up autopay with any merchant that sends you a monthly bill or charges a monthly subscription fee. That typically includes:

  • Streaming content providers
  • Telecommunications companies
  • Digital media providers
  • Grocery delivery services

If you don’t want your Freedom card to remain your default payment method after the quarter ends, set a calendar reminder to remove the card from each autopay vendor.

4. Plan Bonus Category Purchases in Advance

Chase reveals the coming quarter’s cash-back categories several weeks — and sometimes longer — before the quarter begins. As soon as you know what they are, start gaming out your bonus category spending for the next three months.

For instance, if you know home improvement store purchases will earn bonus cash back next quarter, you can move up the start date of that long-planned DIY home improvement project — or at least buy the supplies you’re sure to need when the time comes.

This strategy works best for non-urgent purchases you don’t regularly make because it’s easy to put those on the back burner. But it’s also effective for essential recurring spending, like your weekly grocery bill.

Get into the habit of grabbing your Freedom card and hitting the supermarket, say, every Saturday at 9am to max out your 5% cash-back earnings for the quarter.

5. Make Major Purchases With Eligible Merchants (If It’s Cost-Effective)

If you don’t have to spend more to do so or the effort of shopping around isn’t worth your time, reward bonus category merchants with business you could just as easily have given to other merchants.

For instance, if gas station spending earns 5% back this quarter and your car needs work, have a gas station mechanic handle the repair, not a dealership or standalone repair shop. On a $500 mechanic’s bill, you’ll earn $25 cash back — not a bad discount.

6. Always Carry Your Freedom Card With You

Finally, keep your Freedom or Freedom Flex card in your wallet at all times, even if it’s not your everyday spending card. You never know when you’ll come across an opportunity to earn bonus cash back.


Final Word

If you can maximize your Chase Freedom cash-back cards’ 5% cash-back categories quarter after quarter, you earn $300 in bonus cash back every year. That’s on top of the unlimited 1% cash back on regular purchases if you use your Chase Freedom card for everyday spending.

It does take effort to maintain a perfect cash-back record with the Chase Freedom Flex℠ Card. For starters, you must remember to activate your bonus categories each quarter.

You also have to make sure you’re actually earning bonus cash back when you think you are — something that’s less likely when you use a digital wallet or third-party payment app like PayPal.

And if you don’t usually spend much in a particular quarter’s favored categories, earning all your cash back on purchases for that quarter might not be possible.

But for many, a challenge like this is just what they need to think more intentionally about their spending. Earning 5% cash back is a victory in and of itself, but finding ways to swap unnecessary transactions for bonus category purchases you need to make anyway — that’s even better.

For a detailed overview of the Chase Freedom Flex card, check out our Chase Freedom Flex credit card review.

While you’re at it, check out our review of its sister card, the Chase Freedom Unlimited Credit Card, and of Chase’s two popular travel credit cards: the Chase Sapphire Preferred Card and the Chase Sapphire Reserve Card.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Source: moneycrashers.com

Cost of Living in Thailand – How Much for Rent, Food & Entertainment

How would you like to live in a tropical paradise where a restaurant meal costs $2, a taxi ride costs $3, and a furnished apartment rents for as little as $200 per month?

For decades, the low cost of living in Thailand has made it one of the most popular destinations for anyone looking to live in a tropical climate on a budget. And while prices in this sunny “Land of Smiles” have inched up over the years, you can still live on a fraction of what you’d spend for a similar lifestyle in your home country.

But just how cheap is Thailand in 2021?

How Much Does It Cost to Live in Thailand?

Each of Thailand’s regions offers something unique to travelers and expats. From beach towns to bustling cities and cultural centers to sleepy hideaways, Thailand accommodates every lifestyle — at least as long as you like sunshine.

The overall cost of living in Thailand varies by region. But some expenses, such as cellphone bills, taxes, and visa fees, remain constant, no matter where you choose to live.

Your standard of living has the most significant impact on your cost to live in Thailand. You can choose a life of luxury for a sliver of what it costs in the United States or Europe. But if you’re willing to live like a local with a simple lifestyle, you can stretch money even further.

When comparing prices in a foreign currency, your purchasing power fluctuates with the exchange rate. Since 2018, the exchange rate has held steady in Thailand, ranging from 30 to 33 Thai baht (THB) per $1 U.S.

With the exchange rate in mind, you can compare the cost of living between your current location and Thailand. To make the comparison easier, the prices herein are converted to U.S. dollars.

Average cost-of-living figures come from Numbeo, a crowd-sourced cost-of-living database. After living in Thailand for five months, I found these averages are a good starting point, but they don’t always accurately depict how affordable each destination can be.

Since the crowd-sourced data comes primarily from expats, costs are higher than what you’d spend living like a local.

In addition to Numbeo averages, all other pricing data comes from real properties for rent on Facebook Marketplace and Airbnb.

Rent

Your expenses partially depend on how you find your rental. While accommodation-hunting on Airbnb and other booking websites is convenient, that convenience comes at a price. To find the cheapest rates, search on Facebook Marketplace or (better yet) on the ground — but don’t expect everyone to speak English.

The cost of rent in Thailand also varies dramatically from city to city — even neighborhood to neighborhood.

Bangkok and the Suburbs

As the capital and center of economic activity, Bangkok is naturally the most expensive part of the country.

Luxury apartments on Airbnb can cost more than $3,500 per month in the most desirable parts of Phrom Phong, Silom, Lumpini, and Sukhumvit, all of which make up Thailand’s financial and retail center. Penthouse apartments complete with housekeeping, a private swimming pool, and panoramic views of the big city can run $6,000 per month or more.

But there are plenty of more affordable options.

Tourists and backpackers generally rent rooms on Khaosan Road, where a decent hotel room costs $10 to $25 per night. If you’re on a shoestring budget, shared dormitories in hostels go for as little as $2 per night. Discounts for monthly rentals are also available.

In Bangkok, the average one-bedroom apartment in the city center goes for $580 per month but only costs $290 outside the city center.

One factor that influences price is the proximity to the nearest subway station. The closer it is to the subway (MRT) or Skytrain (BTS), the higher the price.

Public transport is now starting to expand into the suburbs, which can offer the best of both worlds: low rental prices with easy access to the city.

For example, the furnished studio we rented in a luxurious condominium right next to a BTS station in the suburbs costs $460 per month on Airbnb. We could have negotiated an even lower price by paying an owner directly, taking an unfurnished unit, or signing a longer contract.

It had everything we needed built into the complex, including a restaurant, mini-store, gym, infinity pool, and workspace. Since we had everything on-site, we rarely had to leave, which saved us transportation costs.

If you prefer to rent a house, you have to venture outside the city center. Neighboring Nonthaburi and Samut Prakan are technically independent cities but are really more like exurbs of Bangkok. Detached single-family houses in these regions cost as little as $200 per month.

Beach Towns Near Bangkok (Pattaya and Rayong)

A couple of hours southeast of Bangkok, the beach towns of Pattaya and Jomtien have seen aggressive growth in recent years as real estate investors continue to build high-rise condominiums in these once-sleepy fishing towns.

In fact, the 2019 Global Destination Cities Index ranked Pattaya the 15th most overnight tourist-visited city in the world. Many of those tourists have fallen in love with the sunny, relaxed lifestyle and now call Pattaya home.

Despite their popularity, the cost of living in these regions remains surprisingly low.

Pattaya is the most expensive. Its nightlife is a big draw for expats. But even there, you can find one-bedroom apartments just off the beach for less than $500 per month. And the farther you go inland, the lower the prices get.

Rayong is even cheaper, with plenty of furnished studios going for less than $200.

Chiang Mai and Chiang Rai

Chiang Mai is a small town in Northern Thailand near the border of Burma and Laos. Considered by many to be the “digital nomad capital of the world,” Chiang Mai is a hotspot for young backpackers with a thriving expat community. Its popularity is primarily due to a low cost of living, beautiful temples, and foreigner-friendly cafes, nightclubs, and hangouts.

The average rent in Chiang Mai is $430 inside the city center and $300 outside the center. That said, when I went apartment-hunting in Chiang Mai, I found prices to be even cheaper.

In the Nimmanhemin (or “Nimman”) neighborhood, prices have exploded over the past decade due to the influx of digital nomads. We walked around door-to-door asking for rates and couldn’t find any decent studio apartments under $400. But outside touristy areas, it’s not unheard of to score a furnished studio for under $125.

A less popular option is the neighboring town of Chiang Rai, home to three of the most awe-inspiring temples in Thailand. Since it’s a bit more under the radar, it can be even cheaper than Chiang Mai.

The average rent for a midrange one-bedroom apartment in the Chiang Rai city center is $240, with comparable apartments outside the city going for half that. Northeast Chiang Rai is also close to the Burmese border, which is convenient for border runs when you have to renew your visa.

In Chiang Mai, Chiang Rai, or any other touristy town in Northern Thailand, prices fluctuate with the season. During “burning season” — when farmers burn their crops and pollution levels rise — rental costs plummet as foreigners flee in search of cleaner air.

Southern Beaches and Islands (Phuket, Krabi, Songkhla)

The stunning beaches surrounding Phuket and Krabi have surged in cost over the past 20 years as luxurious resorts slowly replace cheap backpacker bungalows.

The average one-bedroom apartment goes for $470 in Krabi, with similar prices in Phuket. There are also still deals on popular islands like Koh Lanta, where you can find simple one-bedroom Airbnbs for as little as $230.

That said, rents vary radically depending on the unit’s proximity to the beach, with luxurious beachfront villas fetching upward of $2,000 per month.

In Songkhla, a less popular resort town near the southern Malaysian border, you can still find bare-bones apartments on Facebook Marketplace for as little as $100 per month. You won’t be living in luxury, but you can’t go wrong for $100, especially if you spend all your time at the beach anyway.

Gulf of Thailand (Koh Samui, Koh Pha Ngan, Koh Tao)

The Gulf of Thailand is home to three of the country’s most popular islands — Koh Samui, Koh Pha Ngan, and Koh Tao. Each island has a unique vibe. And while prices have risen over the past decade, you can still find some steals.

Koh Samui is the largest and most developed of the three islands, with the average one-bedroom apartment rent ranging from $270 to $390 per month. It’s full of resorts and known as a family vacation destination, but plenty of expats also call the island home.

Koh Pha Ngan is home to the infamous Full Moon Party, an enormous beach festival held on the southwest corner of the island every month. But Koh Pha Ngan is more than just parties.

The island’s west side offers laid-back beach towns with expat communities dedicated to yoga, mindfulness, and spirituality.

It’s hard to find anything under $200 per month in Koh Pha Ngan, which would get you a rustic bungalow. For a modern furnished apartment with air conditioning and a beach view, expect to pay upward of $1,000 monthly.

Koh Tao is the smallest and least developed of the three islands, a favorite for backpackers wanting to scuba dive on a budget. Since it’s so small, most rental prices you find online are expensive Airbnbs. If you search on the ground and negotiate directly with locals, you can find rustic bungalows for under $150 per month.

Off-the-Beaten-Path Destinations

Generally, the further you go from tourist destinations, the cheaper your cost of living. Rent for a basic one-bedroom place in a rural Thailand region like Isan can be as little as $50 per month.

Remember, the 2021 daily minimum wage in Thailand ranges from $10.03 to $10.77. You won’t get a Western standard of living on less than $11 per day, but if you learn to live like a local, you’d be shocked at how far your money stretches.

Utilities

When renting an unfurnished apartment on a long-term contract, you’re usually responsible for paying your own utility bills.

But even many furnished accommodations exclude electricity in the price. That’s because electricity is expensive compared to rental costs, especially if you’re blasting the air conditioning all day. Some rentals even include electricity for everything except air conditioning, which they meter separately.

To make matters more complex, when property owners charge for electricity in furnished apartments, they set their own rates per kilowatt-hour. The official power tariff in 2021 is $0.11 per kilowatt-hour, but depending on how much the property owner wants to profit, you could pay anywhere from $0.12 to $0.25 per kilowatt-hour.

When comparing rental options, factor in:

  • Whether they include electricity
  • How much they charge for it
  • How much you plan to use

It can get confusing, and we ended up creating a full-blown spreadsheet to keep everything straight. Just know that if you pay the property owner for electricity (versus paying the electric company directly), the monthly cost of your electricity bill could double depending on the rate they set.

Numbeo reports that the average utility bill (electricity, heating, cooling, water, and garbage) in Thailand is $68.

And choosing a cooler climate doesn’t necessarily lead to a lower air-conditioning bill. You also have to factor in pollution. Bangkok is known for its pollution, and on bad days, you won’t want dirty air circulating through your house. That means keeping the windows closed and the air on and investing in an air purifier for your home.

Similarly, during the burning season in Chiang Mai and the northern regions, the air quality reaches harmful levels, and you should keep the windows closed.

Food

Thai food is delicious and cheap. Eating out is so affordable that most Thais build their houses without a full kitchen. That means, unless you pay for a property built specifically for Westerners or tourists, you won’t cook many meals at home.

Food costs vary by location. Touristy areas like the islands and expat hangouts generally have the highest prices. But no matter where you go, there’s usually always a food cart or small family restaurant serving tasty rice and noodle dishes for $2 or less.

Rural areas can cost much less. I once visited an orphanage on the outskirts of the small town of Chiang Rai. The founder invited us to a delicious feast at a local restaurant, and our bill came out to a shocking $0.80 per person, including drinks.

When hunting for the cheapest restaurants in town, look out for general cleanliness to avoid getting sick. If it’s packed with locals, that’s a good sign the food is safe.

Thailand is also full of vendors selling fresh fruit and fruit shakes on the streets. While in Bangkok, we bought $1 coconut shakes and a bag of $0.50 mangoes every day.

Coffee lovers in Bangkok spend an average of $2.20 per cappuccino. The average chicken breast runs $1.10 per pound if you want to cook yourself. But with such cheap and delicious restaurants, it’s often hard to justify the time spent cooking.

That said, not all food in Thailand is cheap. After living in Thailand for a while, many expats start to miss Western food. And Western food in Thailand is pricey — and underwhelming.

Many Western ingredients, like cheese, are hard to come by in Thailand. That means foods like burritos, hamburgers, and pizza are both expensive and taste funny with substituted ingredients.

Transportation

Public transportation in Thailand is so cheap and convenient that owning a car is rarely necessary. Instead, most expats use motorbikes or public transit.

The average cost of a basic scooter rental varies by region, but you can usually pick one up for as little as $60 per month. You can also rent bigger motorcycles, but they cost two to five times as much, depending on the model you choose. In addition to rental fees, you have to factor in gas costs, which average $3.36 per gallon in Thailand.

When renting a motorbike, choose a model with parts made in Thailand. That way, if you crash or scratch the bike, you won’t have to pay outrageous fees to import parts from a different country. Also, record a video showing the condition of the motorbike before you rent it. Otherwise, the rental agency may try to charge you for damages you weren’t responsible for. I learned that the hard way.

You technically need an international driver’s license to ride a scooter or motorbike in Thailand. If you plan to live in the country long-term, it’s worth getting. If you’re just visiting, many tourists rent scooters without it. If the police pull you over, they give you a ticket or try to extort a bribe from you. So sticking to public transit may be best.

If scooters aren’t your forte, there are plenty of other affordable transportation options available. For example, there’s the metro system in Bangkok, moto taxis, and the famous shared red truck taxis (called “songthaews”) in other regions like Chiang Mai.

For example, when we lived in Chiang Mai, a songthaew within the city limits of Chiang Mai cost us roughly $1 per person.

Fares for Bangkok’s BTS and MRT depend on the distance you travel, ranging from $0.50 to $1.70.

If you live in a walkable neighborhood or beach town and take subways or songthaews once per day, you’re looking at $2 per day round trip, or $60 per month in transportation expenses.

On the other extreme, if you live in Bangkok and constantly take taxis across the city — which cost an average of $0.66 per mile, according to Numbeo — your transportation bill could shoot up to a couple hundred dollars.

Entertainment

There’s more to life than food, rent, and transportation. Thailand is famous for its nightlife, and that’s where a lot of people run into trouble.

Based on our experience, beers in most bars and nightclubs only cost $2 to $4. That said, expats and vacationers can quickly find themselves partying a bit too hard and spending even more than they do back home.

Some nightclubs have free entry, but we’ve paid up to a $15 cover. If you’re going out multiple nights per week — which can be tempting in a city that never sleeps — your monthly budget can quickly go off the rails.

If you prefer to entertain yourself with travel and exploration, you’re in luck. Thailand has 1,430 stunning islands, many of which you can access fairly cheaply.

For example, an 11-hour bus ride from Bangkok to Krabi costs less than $20. And if you buy in advance, direct local flights can be just as cheap.

Phone and Internet

In the past, one trade-off of living in Thailand was slow and unreliable Internet speeds. That’s no longer the case. In fact, fast Wi-Fi is one of the reasons expats and digital nomads choose to live in Thailand over other similarly affordable countries.

In Thailand, the average price for a 60-megabits-per-second or faster Internet plan is less than $20 per month.

Prices for cellphone plans vary based on:

  • Provider
  • Length of contract
  • Amount of data
  • Data speeds

Prices also depend on whether you need a data-only plan, a calling plan, or a combination of the two.

For example, with TrueMove H, you can get an unlimited data plan with a couple hundred calling minutes for less than $20 per month.

Note that many “unlimited” data plans only include a certain amount of data at maximum speed. After that, it’s throttled.

Gyms, Spas, and Self-Care

Gyms in Thailand can be surprisingly expensive.

The gym we joined in Chiang Mai cost $30 per month, three times as expensive as Planet Fitness in the U.S. Of course, our gym catered to expats, with air conditioning and well-maintained equipment. You can also find more rustic gyms for as little as $5 per month.

That said, many condos have free gyms on-site. So if it’s important to you, finding one could save you money even if it’s more expensive than another rental.

Thailand’s massage culture is world-renowned and a big part of many expats’ lives. Steeped in Buddhist traditions, Thai massage techniques have been passed down from generation to generation for centuries.

You can find massage parlors on almost every corner. While living and traveling around Thailand, most parlors we saw cost between $5 and $15 for an hour-long massage.

Cost of Health Care in Thailand

Health care in Thailand is incredibly cheap, especially coming from countries with outrageous health care costs like the U.S.

I once needed a procedure that would have cost over $25,000 in America. In Bangkok, I had it done for $1,500, including a one-night stay in a surprisingly luxurious private hospital room.

You can find hospitals with English-speaking staff in all the main tourist hubs. But if you have a complicated situation, Bangkok is the place to go.

Also, just because a hospital is more expensive or internationally recognized doesn’t necessarily mean it has the best doctor for your condition. To find a specialist, I searched for the top surgeons in Bangkok for that discipline. It turns out the best specialist in all of Asia worked out of a small private hospital — a hospital nowhere to be found on the online lists of best Bangkok hospitals for expats.

Many expats living in Thailand on a tourist visa rely on travel insurance or international health insurance for their coverage. These plans range from basic $40-per-month SafetyWing travel insurance to more comprehensive plans that cost hundreds of dollars per month. Whichever plan you choose, your premiums depend on factors like your age, the coverage you need, the country you’re from, and the insurance company you choose.

Expats with a resident visa can also buy local private insurance like Luma Health for coverage in Thailand. These plans are comparable in price to international health insurance plans, and most hospitals can bill them directly. It’s more convenient than a travel insurance policy that requires you to pay out of pocket and submit claims for reimbursement.

Lastly, if you work legally in Thailand and pay Social Security taxes, you receive free government medical insurance. If you’re used to Western standards, set your expectations appropriately. Odds are you won’t be impressed with the treatment you receive under free government insurance in a developing nation.

Thailand Visa Expenses

American tourists on short-term vacations don’t need an entry visa.

But if you plan to stay in Thailand full-time as a retiree, recurring tourist, Thai spouse, student, or business owner, you need a visa.

To keep these visas current, you must pay to renew them regularly.

For example, a single-entry education (ED) visa — which you could use to take Thai language lessons — costs $80, and you must renew it every 90 days.

The fee for a five-year retirement visa is $400. It also requires proof of an income source greater than 65,000 baht (roughly US$2,000) per month. Immigration waves the monthly income requirement if you maintain a balance of at least 800,000 baht (US$24,585) in a Thai bank account.

That said, many countries have introduced digital nomad and remote work visas in the wake of the pandemic. Thailand is in the process of creating its own remote work visa, which would eliminate much of the hassle and expense remote-working expats face.

Income Tax in Thailand

Just because you live abroad doesn’t make you exempt from income taxes. If you live in Thailand for more than 180 days (roughly six months) per year, you’re considered a resident. Residents in Thailand must pay taxes on income earned worldwide. If you are not considered a resident, you must still pay taxes on income earned in Thailand.

Thailand has progressive income tax brackets similar to those in the U.S., ranging from 0% to 35%.

Americans must also file taxes in the U.S., but you can avoid double taxation thanks to the U.S.- Thailand tax treaty, foreign earned income exclusion, and foreign tax credit.


Final Word

In addition to everyday living expenses, you also have to factor in the cost of an intercontinental move and building a healthy emergency fund.

Not only do you have to buy a plane ticket across the globe, but unless you stick to renting expensive furnished spaces, you also need to buy a bed, fridge, furniture, cookware, and decorations.

That said, even though Thailand isn’t quite as cheap as it once was, it’s still one of the best places you can live on $2,000 per month or less.

Source: moneycrashers.com