How to Score $20 Free Cash to Spend on Holiday Shopping

October 20, 2016 by Kyle
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Free $20 cash? Sounds way too good to be true, right? Wrong.

First off, I never recommend a service or company on this blog unless I try them out myself and verify that they’re legit. So when I heard about the NetSpend Prepaid Visa Card that gave away a free $20 bonus when you load the card with $40, I was intrigued. Here’s how it works, and how I got my hands on a free $20 with like NO effort.

Score $20 Free Cash to Spend on Holiday Shopping

How to Get a Free $20 from NetSpend:

First of all, before you ask, NetSpend offers 100% approval with no credit check required. They also do not require a minimum balance and their is no sign-up or activation fee. You can also cancel your card as soon as you withdraw your money.

Here are the steps to make this free money hack work:

  1. Click Here to Open your NetSpend Prepaid Visa Card. To get your free $20 cash bonus, you’ll need to use the referral code 4682198360. Also, on the application, under the “Direct Deposit” section, just select “None at this Time”.
  2. Wait For Your Card to Show Up Within 7-10 Biz Days. It took me 4 business days for my NetSpend card to show up in my mailbox. Yes, I still have a mailbox.
  3. Activate Your Card. Once you get your card, you’ll need to log-in to your NetSpend account and activate it. Takes 30 seconds.
  4. Load at Least $40 on Your Card. This is where the magic happens. To get your $20 bonus you’ll need to add at least $40 to your prepaid Visa card. You can add money to your card using PayPal, bank transfer, Western Union, or you can access a “reload location” like Rite-Aid, CVS, Safeway, 7-Eleven, and dozens more. I just used PayPal as it was quick and easy.
  5. Collect Your Free $20. Boom, done. Once your $40 is verified and loaded onto your card, NetSpend will add the $20 to your card balance. While they say it can take 2 business days for the $20 to appear in your account, I was happily surprised to get my $20 added within 24 hours.
  6. Enjoy the Free Money. At this point, you can use the prepaid card anywhere Visa is accepted. Be careful withdrawing the $60 from an ATM machine as you’ll be hit with a $2.50 fee from NetSpend. Plus any applicable ATM fees. I wouldn’t recommend this. TIP: If your bank charges ATM fees, check out bigger grocery and “big-box” stores in your area as many of them offer no-fee cash back. Could be a good option if you want to cash out immediately.


Final Thoughts:

From start to finish, it took me about a week to have the cold hard cash in my hands. While $20 bucks won’t make or break you, it’s definitely a cool little bonus for about 10 minutes of your time. Especially as we head into the Christmas shopping season where every buck helps the family budget.

Ask the Reader: Have you gotten your free $20 yet? If so, was it as easy for you as it was for me? Let me know in the comments section below, thanks.

By Kyle James

Photo credit to Daniel Borman.

Disclaimer: While I was not paid specifically to write this article, I do receive a kick-back if you sign up for NetSpend. Money I use to keep this blog rolling and feed my In-N-Out Burger addiction.

13 Old Navy Hacks That’ll Change the Way You Shop & Save

October 19, 2016 by Kyle
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If you’re a loyal Old Navy shopper, you probably already have a couple money-saving secrets up your sleeve. But are they “bad-ass”? From knowing the best day of the week to shop, to clever hacks that’ll score you a coupon, to cracking their price tag code, these Old Navy insider secrets will change the way you shop. Go forth and save money my friend.

13 Old Navy Hacks That'll Change the Way You Shop

1. Shop at Old Navy on a Monday or Tuesday

A couple years ago my wife was shopping at Old Navy on the weekend and was disappointed with how picked-over the clearance section was. So on a whim she asked an employee when they do their clearance markdowns. Much to her surprise, the employee was very open with the information. She told her to come in on a Monday or Tuesday as they typically have all of their markdowns done by Monday evening. My wife took her advice and has found MANY terrific clearance deals over the years because of it.

See Also: What Day to Shop? 12 Insider Tips on Store Markdowns

2. You’ll Find Better Coupons Online Vs. In-Store

When it comes to scoring coupons for Old Navy, they always have better online coupon codes compared to coupons you can redeem in-store. Almost weekly you’ll find a 30-40% off coupon code to be used on your online purchase, where maybe once a month they’ll have this offer available in-store.

3. Free Shipping “Secret” When Shopping In-Store

Very few people know about this one. When shopping at, you have to spend at least $50 to qualify for free shipping. But when shopping in-store, you can get free delivery to your doorstep on any order over $25. You can make it happen when you’re unable to find your size or desired color in-stock. Just tell an Old Navy associate and they’ll order it for you and have it delivered for free when your total surpasses $25.

See Also: 28 Online Retailers Offering Free Shipping and Returns

4. Stack Coupons on their Website (Sometimes)

After a quick call to Old Navy customer service, I discovered that you can indeed stack coupon codes when shopping online. The only caveat is that the code must state that you can combine it with other offers. So when you get your hands on a combinable coupon, make sure you save it and use it when they also have a flat 40% off coupon to maximize your savings.

5. Look For Prices Ending in $0.47 or $0.97

Back when I cracked the price tag code at a bunch of major retailers, Old Navy was one of my first sleuths. I discovered that prices ending with .47, .49, .97 or .99 were killer deals. If the price ends with any of these, then the item is marked as clearance or discontinued and is probably the best price you’re going to get.

See Also: Learn To Crack the Price Tag Code at These Major Retailers

6. Take Advantage of Price Adjustments

Did you know that Old Navy will give you a 1-time price adjustment if the price of something you bought drops within 14 days of purchase? True enough, so hold on to those receipts. Unfortunately you can’t get a price adjustment on clearance items or stuff you bought with a coupon code, unless it was a free shipping coupon.

See Also: All the Stores that Offer Price Adjustments (32 Retailers and Counting)

7. Think BIG on Black Friday

My wife and I regularly stock up for our 3 kids on Black Friday at Old Navy and save A LOT of money in the process. We’ll buy a size or 2 up and store the clothes until the following spring or autumn. With savings in the 75-80% off range in the clearance section it just makes sense. Plus, if you prefer to stay at home on Black Friday and sleep in, just shop on Cyber Monday at Old Navy when you’ll see their best online coupons of the year.

8. Shoot for at Least 40% Off

When it comes to shopping at Old Navy, not only should you shoot for never paying full-price, but you should make it a goal to get savings of at least 40% off your total order. Totally do-able, especially when you use a coupon code in conjunction with a store-wide sale.

9. Text Old Navy for an Instant Coupon

Just text Old Navy at 653-689, with the message OLDNVY to score a $5 off $35+ coupon. Once enrolled, they’ll only text you a new coupon or deal alert on a weekly basis. Don’t have your phone with you? You can sign-up via their website here:  sign-up online.

Also, if you sign-up to be on their email list, they’ll typically shoot you an instant coupon code (via email) good for 30% off your online purchase.

See Also: All The Stores That’ll Send Out a Coupon (Instantly) When You Subscribe

10. Their Credit Card Doesn’t Suck

Most store credit cards suck out-loud and are nothing more than a way to bombard you with advertising, but not the Old Navy card. Once approved, you’ll get 15% off your first purchase, then earn 5 points for every $1 spent which’ll allow you to score free gift certificates on a quarterly basis. Plus, you’ll get 1 point for every $1 spent anywhere Visa is accepted. It also has no annual fee. Just be sure to pay off your balance every month as it comes with a hefty 24.99% APR.

See Also: The 11 Best Credit Cards for Savvy Shoppers

11. Keep an Eye Out for “1-Day Deals”

The single best day to shop in-store at Old Navy is on a day they’re offering a “1-Day Deal”. They typically offer them a couple days per week and they’ll often get you 50% off a specific item. Could be jeans, could be dresses, could be shorts, etc. The best way to know when these 50% off 1-Day Deals are going to happen, is to follow Old Navy on Facebook as they typically update their feed with the full scoop.

12. Look for Old Navy “Super Cash”

If you’re already registered with Old Navy, you’re eligible to ear “Super Cash” and it’s awesome. For every $25 you spend, online or in-store, you’ll earn $10 in free cash. Unfortunately, you can’t combine Super Cash with a coupon, but you can combine up to 3 Super Cash rewards on a single transaction. Maximum $30 Super Cash per transaction in-store, and $50 per online order. So if you have three $10 rewards, you can make a $35 purchase in-store and only pay $5 out-of-pocket. Winning.

13. Always Buy Discounted Gift Cards

Another terrific way to save money at Old Navy is to buy gift cards at less than face value. For example, the popular site is currently selling a $150 Old Navy gift card for $131 (12.5% savings). If that’s more than you want to spend, they are also selling a $25 gift card for about $23. Obviously the bigger the gift card, the more you’ll save.

Ask the Reader: How do save money at Old Navy? Let me know if you have a bad-ass tip to add. Thanks.

By Kyle James

Photo by Mike Mozart.

The Ultimate Taco Bell Secret Menu Will Make You Love Life Again

October 17, 2016 by Kyle
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I pretty much lived off Taco Bell back in my college days and it was typically consumed after 10 o’clock at night. I really miss the days of being able to eat whatever I wanted and not have it effect my waistline or my medicine cabinet stock. Buy anyways, on the heels of my other secret menu articles, I figured it was time to add Taco Bell to the list. This one is pretty darn fun and can definitely make dining at Taco Bell an exciting proposition. With no further ado, here’s how the Taco Bell secret menu currently breaks down. Enjoy.

The Taco Bell Secret Menu Will Take You to the Real Border

Chicken Bacon Ranch Gordita Crunch

This bad boy is both a mouthful to say and eat. To get it, you just order a Cheesy Gordita Crunch and substitute the regular taco shell with the ranch shell. Then ask for chicken as your protein and all the sudden you have a party in your mouth “border burger” style.

Spicy Bacon Tostada

In case the regular Spicy Tostada wasn’t tasty enough, try adding bacon to it. You can thank me later for this yummy Taco Bell secret menu item. No really, you will.

The Hulk

Think green and order a bean and cheese burrito, then add guacamole to it for a cool avocado surprise. Guac on pretty much anything is a winner in my book. Plus it would be fun to order just to see what the burrito artist behind the counter says.

The Incredible Hulk

Take it a step further and order “The Incredible Hulk.” If they have no idea what the hell you’re talking about, just tell them you want a Beefy 5-layer burrito but instead of the nacho cheese ask for guacamole. Also, I’ve heard of folks telling them to leave out the inner tortilla but I’m not sure why you’d want to do that, especially if you’re a starving college student.

The Superman

While I doubt the Man of Steel would ever order this, it sounds really yummy, especially if you’re hungry and ready to get your grub on. It’s a 5-layer Beefy burrito, then add the kitchen sink. The kitchen sink in this example means potatoes, guac, sour cream, and even tortilla chips. It basically becomes a 9-layer burrito and is not for the faint of heart (or stomach).

Doritos Locos Crunch Wrap Supreme

Get the right Taco Bell employee and they’ll hook you up with this beauty. It’s created when they put a Doritos shell inside the crunch wrap and the end result is supposedly out of this world.

Double Grilled Quesadilla

I remember when the cheese quesadilla at Taco Bell was $0.99. I use to order like 5. Now a days, when my son orders 2 of them, they are like $3 bucks each. Geez, it’s only a flour tortilla folded in have with some cheese and sauce. But anyways, get crazy with it and order a “Double Grilled Quesadilla” and you’ll get it extra crispy. Twice as long as usual to be exact.


This secret menu item is basically a cheese burrito which I could totally go for. Be sure to ask them to throw in a little onion and taco sauce and it will definitely be a party in your mouth.


The Enchirito is half burrito, half enchilada and sounds ridiculously awesome. Order it by name and you’ll get a beef and bean burrito, smothered in red sauce, then topped off with melted cheese. Yes please, I’ll take seven.


This bad boy was on a bunch of Taco Bell menus as recent as 2014. And guess what? Many locations will still throw one together for you. The Quesarito is 50% burrito, 50% quesadilla, and 100% awesome. It’s basically a cheese quesadilla folded up like a burrito with all of your favorite burrito fillings inside.

Waffle Taco

Taco Bell serves breakfast? Huh, who knew. Order a Waffle Taco from their secret menu and get a waffle folded in half and stuffed with scrambled eggs, sausage, and drizzled with a little hot maple syrup. Dang, that sounds like a really yummy way to break your fast.

Chili Cheese Burrito

Also known as a Chilitto, this is a bean and cheese burrito, but instead of refried beans, they’ll use chili beans. The bonus of a little beef in the chili is what makes this sucker a winner in my book.

Ask the Reader: What item on the Taco Bell secret menu would you order? Also, does their food have the “Conan O’Brien effect” on you sometimes?

By Kyle James

Photo credit to Mike Mozart.

All The Stores That’ll Send Out a Coupon (Instantly) When You Subscribe

October 12, 2016 by Kyle

Let’s face it, we’ve all been there, you’re about to checkout from an online store and you just can’t find a coupon anywhere. Well, before you pay full-price, did you know there are dozens of popular stores that’ll send you an instant coupon via email just for registering your email address? And if you already have an email address registered with the retailer, consider setting up a new “shopping only” email address…the perks are awesome if you know how to manage it correctly. Here are the stores that I discovered, many of which hand out coupons better than what you’ll find on coupon websites. (I’ll keep adding new ones as I find them)

A.C. Moore

AC Moore New Email Subscriber Coupon

Sign-up for email notifications from the folks at A.C. Moore and get a crafty coupon immediately sent to you for 55% off any 1 regular priced item. Not too shabby, ehh.

Adidas Store

Adidas New Email Subscriber Coupon

The good folks at Adidas will happily throw you a 15% off coupon code that you can use either online or in-store.  By the way, did you know that it’s a myth that Adidas stands for “All Day I Dream About Sports”.


Aero New Email Subscriber Coupon

Aeropostale might be going through Chapter 11 bankruptcy protection, but they’ll still give you a coupon for 20% off your next order when you sign up for Aero emails. If you can’t find a coupon anywhere else, you might as well sign up and save an easy 20%.


Aldo New Email Subscriber Coupon

In case you’re not familiar, Aldo sells really nice shoes, boots, sandals, handbags, and accessories. But if you sign-up for emails notifications they’ll immediately send a 15% coupon to your inbox which can be used online and in-store.

Alibris Books

Alibris New Email Subscriber Coupon

Sign up for emails from Alibris Books and they’ll hook you up with an immediate coupon for $5 off your $50+ online purchase. Not a huge discount but better than a kick in the ass.

Ann Taylor

Ann Taylor New Email Subscriber Coupon

Once you spend the 15 seconds required to sign up for Ann Taylor email updates, you’ll get an instant coupon sent to your inbox that’ll get you $25 off your $75+ full-priced purchase. An easy $25 for very little effort.

Bed Bath & Beyond

Bed Bath & Beyond New Email Subscriber Coupon

Get added to the Bed Bath & Beyond email list and they’ll shoot you over a 20% off any single item coupon. It should be noted that they’ll only let you use the coupon in-store.

Birch Lane

Birch Lane New Email Subscriber Coupon

Birch Lane will send you a 10% off coupon when you give them your email address. While the coupon can only be used on full-priced items, it’s still a worthwhile endeavor.

Charlotte Russe

Charlotte Russe New Email Subscriber Coupon

If you like the clothing at Charlotte Russe, and you like to save money, sign up for their email notifications and they’ll give you a coupon good for 20% off your ENTIRE purchase. You don’t have to use it right away either as it lasts for 30 days.

Children’s Place

Children's Place New Email Subscriber Coupon

Score a $10 off $40+ coupon (also known as 25% off) at Children’s Place when you get added to their email list. The cool part is that the coupons will keep coming to your inbox too.

Cost Plus World Market

Cost Plus New Email Subscriber Coupon

Give Cost Plus World Market your email address and zip code and they’ll give you a 15% off coupon. Not a bad trade, especially if your making a large furniture or home decor purchase.


Crocs New Email Subscriber Coupon

They’re so right, the fun does start when you have a 20% Crocs coupon in your inbox. Just sign up for Crocs emails to get in on the action. You can use the coupon both online and in-store.

Dick’s Sporting Goods

Dick's New Email Subscriber Coupon

Dick’s Sporting Goods will send you an instant 10% off coupon (online only) when you sign-up. I bet Sports Authority never did that.

Famous Footwear

Famous Footwear New Email Subscriber Coupon

Famous Footwear will infamously send you a $5 off $25 or more coupon when you register for email alerts. And no, it’s not infamous, I just thought it was kinda catchy.


H and M New Email Subscriber Coupon

When you register for H&M emails, they’ll send you a 20% off any 1 item coupon + free shipping on your entire order (use coupon code 1616). The free shipping bonus is nothing to sneeze at as they typically require you to spend $40 or more to qualify for free delivery.

Hobby Lobby

Hobby Lobby New Email Subscriber Coupon

Sign up for emails at Hobby Lobby and they’ll send you a welcome email with a coupon good for 40% off any 1 regular-priced item. They kinda hide the coupon in the email for some reason so you’ll have to look for it closely.

Joann Fabrics

Joann New Email Subscriber Coupon

Joann rarely has coupons good for for 20% off your ENTIRE order. But if you sign up for their emails they’ll happily send you one that you can use either in-store or online.

Kate Spade

Kate Spade New Email Subscriber Coupon

Way down their at the bottom of the Kate Spade “thank you” email is a 15% off coupon that can be used in-store and online. You’d think they would make the coupon a little more prominent.

Lands’ End

Lands' End New Email Subscriber Coupon

Get yourself on the Lands’ End email list and they’ll shoot you over a coupon for 40% off any 1 item. The free shipping on $50+ is no biggie as they always offer that.

Levi’s Store

Levi Store New Email Subscriber Coupon

Levi coupons can often be hard to come by, so if you’re about to make a purchase and you can’t find one, just sign-up for their email alerts and they’ll send you a 20% off coupon along with free shipping.


Macy's New Email Subscriber Coupon

If you have a Macy’s purchase in your near-future, and you’re planning on spending over $100, be sure to sign-up for their emails and they’ll hook you up with a 15% off coupon with free shipping.


Maurices New Email Subscriber Coupon

If you can’t find a Maurices coupon, just get added to their email list and they’ll shoot you over a 15% off coupon good for regular-priced items only. You can use the coupon either online or in-store. Cool beans.


Moosejaw New Email Subscriber Coupon

Somewhere in all that boiler plate is a coupon code good for 10% off all full-priced items at Moosejaw. How’d I get the coupon in my inbox? I just spent 10 seconds signing up for their email alerts. And yes, I agree, lawyers are a bunch of meanies.

New York & Co.

New York and Co. New Email Subscriber Coupon

The fashion company New York & Co. will send you a pretty sweet coupon for $25 off $75 or more when you sign up for their email alerts. The coupon came to my inbox right away so it’s an easy way to score a killer coupon, then just unsubscribe if you want.

Old Navy

Old Navy New Email Subscriber Coupon

The web team at Old Navy immediately sent me a 30% off coupon code to be used on my next online purchase. It took me 10 seconds to sign-up which is a pretty good return on my time.


Origins New Email Subscriber Coupon

The skincare company Origins rewards those who sign-up for their email list with a smooth little 15% off coupon code. Not a bad discount for a company that rarely offers coupons.

Pottery Barn

Pottery Barn New Email Subscriber Coupon

Pottery Barn is another company that rarely has coupons, well, unless you sign-up for their email list. If you spend the 20 seconds required to sign-up, you’ll get a 15% off promotion code instantly sent to your inbox.


REI New Email Subscriber Coupon

When you sign up for REI emails they’ll shoot you over a 15% off coupon to use both online or in-store. As far as the REI disclaimers go, they really aren’t that bad.


Sanuk New Email Subscriber Coupon

My favorite flip-flops that I ever owned were from Sanuk. Total dessert for my feet, but at full price. I wished I’d have waited and signed for their email club and scored a 10% off coupon.


Shutterfly New Email Subscriber Coupon

While the folks at Shutterfly won’t send you a percent off coupon when you sign-up, they’ll send you an email that’ll get ya a free magnet, 50 4×6 prints, and a set of free address labels. Pretty cool.

Sole Society

Sole Society New Email Subscriber Coupon

Sign up for emails with Sole and you’ll be instantly rewarded with a 15% off coupon on your $80+ purchase. No flies on that deal.


Soma New Email Subscriber Coupon

When buying lingerie from, be sure to not pay full-price, especially on your first purchase. When you sign up to be on their email list, they’ll zap you a 20% off coupon to be used either online or in-store.


Starbucks New Email Subscriber Coupon

Join the Starbucks email list and get hooked up with a 10% coupon to be used online. Use it to buy your Starbucks coffee, mugs, K-cups, and such. Starbucks rarely has a flat percentage-off coupon so the 10% off code is a definite win for shoppers. Don’t forget to also hack the Starbucks menu and save even more.

Tommy Hilfiger

Tommy New Email Subscriber Coupon

If you have a Tommy purchase in your near future, be sure to get on their email list and they’ll reward you with a 20% off coupon. You can use it either on their regular website or in their online outlet. Also, you’ll have exactly one month to use the coupon before it expires.


UntuckIt New Email Subscriber Coupon

I’m a big fan of the “untucked” look, have been since I was a kid. So when I discovered UntuckIt, a company that specializes in making shirts designed to be untucked, I knew I found my sweet spot. Then throw in a 20% coupon for signing up for their email club and I’m officially sold.


Wayfair New Email Subscriber Coupon

Be sure to snag your 10% off coupon for registering your email with Wayfair. Not a huge discount, but better than nothing, which is typically what they have when it comes to coupons.

Williams Sonoma

Williams Sonoma New Email Subscriber Coupon

The good folks at Williams-Sonoma rarely have coupons. So when I signed up for emails and got a 15% off coupon (on $49 or more order) I was pleasantly surprised. Be sure to save it for a significant purchase and maximize your savings in the process.

Ask the Reader: What store surprised you with a better than average coupon when you signed up with them?

By Kyle James

Photo Credit: Terry Johnson

9 Things NOT Worth Waiting ‘Til Black Friday to Buy

October 9, 2016 by Kyle
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As we head toward the deals and coupons of Black Friday and Cyber Monday, I wanted to take this opportunity to highlight some things that are actually going to be a better buy before the big shopping weekend. Stuff that either doesn’t excite frantic turkey stuffed shoppers or always just seems to be on sale in early to mid November. See if you can take advantage of any of these deals this year and […] Continue Reading…

The Items to Buy at ALDI and Hacks To Maximize Your Savings

October 7, 2016 by Kyle

ALDI started in Germany way back in 1913, and was often perceived as “cheap” in terms of quality grocery goods. But those days are long gone. If you shop regularly at ALDI, or maybe you’ve been curious about the store, this article’s for you. From the best items to buy at ALDI, to some cool insider ALDI shopping hacks, you’re bound to save some extra money on your next grocery trip.

The Items Worth Buying […] Continue Reading…

The One Airbnb and VRBO Hack That’ll Save You BIG Bucks on Your Next Vacation Rental

October 4, 2016 by Kyle
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Both Airbnb and VRBO (Vacation Rental by Owner) have become online fixtures for travelers looking to book their next vacation home directly from the owner. You can often save a lot of money compared to booking a hotel or resort. But did you know you can typically negotiate an even better rate, especially on “last-minute” travel?

I actually manage my parent’s beach condo via VRBO and occasionally get savvy travelers using this hack to save […] Continue Reading…

Shop at and Use a Credit Card Their Warehouses Won’t Accept

September 30, 2016 by Kyle
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If you don’t have a Visa in your wallet, but rather a MasterCard or Discover Card that earns points or rewards, shop via Since Costco warehouses have an exclusive relationship with Visa, your other credit cards are ice scrapers when checking out. But alas, all hope is not lost for those who use their credit cards to earn reward points. (See also: How to Essentially Get a $55 Costco Membership for Free)

Here’s how this Costco hack breaks […] Continue Reading…

McDonald’s Secret Menu: Mickey D’s in a Whole New Light

September 28, 2016 by Kyle
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My love affair with McDonald’s started when I was in college when the local Golden Arches offered 2 Big Macs for $2. Needless to say I indulged often and my waistline paid the price. The prices have gone up quite a bit since my college days, but there are still smart ways to save money at McDonald’s. There are also interesting items on the McDonald’s secret menu that I recently discovered. Some of which will […] Continue Reading…

Amazon Who? All the Retailers Who Also Offer Free 2-Day Shipping

September 27, 2016 by Kyle
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Fast delivery is awesome. Just ask anyone who shells out $99 a year for an Amazon Prime membership. But guess what, Amazon is not the only online retailer offering everyday 2-day shipping at no extra cost. Sure, most websites have the option to get it delivered in 2 days, but it’ll usually cost you an arm and a leg. With that said, here are all the retailers that will deliver your order within 2 days […] Continue Reading…