5 Days Left (My “Cromance”)


You have 5 days to get some extra tax-free cash.  I’m talking about $300.00 – $500.00+!!

Chase bumped the sign up bonus on TWO cards for a limited time.  This offer expires Monday (that’s Memorial Day, folks).  Dilly not, nor dally.


  • The Ink Plus Business card increased to 60,000 points (worth $600 cash) when you spend $5,000 in the first 3 months your card is open.
  • The Ink Cash Business card increased to $300 when you spend $3,000 in the first 3 months your card is open.

Click on “Chip’s Favorite Credit Card Offers” at the top right side of this website, then “Business Cards” for up-to-date deals, terms, and conditions on these cards. Email me if you have any questions.

Why Get These?

Let’s face it.  I’m smitten with plastic.  My cromance (card romance) compels me to take advantage of these bonus signup offers.  I use the resulting bonus free cash to splurge on otherwise frivolous things.  Personally, I’m eyeballing a new grill and picnic table.

How To Achieve The Spending Requirement

Check out my post 11 Ways To Meet A Spending Requirement for easy,

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Free Movie Fridays via Fandango


Who doesn’t like a 2-fer?  April 22 thru August 21 – go here on a Friday.  Buy two or more tickets to a Friday movie and one will be free (up to $19.50 value).  You must buy your tickets with a Visa Signature card.  Plug in your Visa at the above link to see if it is eligible.

You can cut to the front of the cyber line if you have a Chase Visa Signature card.  With it, you can buy your tickets Wednesday – Friday for any film currently on sale for that Friday showing.

Limit 1 complimentary ticket per Visa Signature card per 30 days.  Multiple cards = multiple times you can do the offer.

If you used a different card each of the 18 weeks, this could save you $351.00! That’s only 4-5 cards total.  If you and you movie-buddy each happen to have two Visa Signature cards, you can make it happen!  Knowwhattamean?

Want some of this hot 2-fer movie action, but don’t have a Visa Signature card?

Click on “Chip’s Favorite Credit Card Offers” at the top right side of this website for up-to-date deals, terms, and conditions on these cards and more.  Email me if you have any questions about which card might be right for your situation.


Dude, Where’s My Refund?



I filed my taxes yesterday, so… Dude, where’s my refund? Don’t bogart my bucks! The only thing better than getting a tax refund is knowing when you will get it. Pop over to IRS.gov.

It’s very user-friendly. Yes, I am suggesting you spend some of your free time browsing the Internal Revenue Service website. Do I know how to have fun or what? Don’t harsh my mellow.

Fistful Of Dollars

Here’s Where You Can Shove Your Tax Refund


fistful_of_dollarsMany of us are about to get back the “no-interest loan” we gave Uncle Sam.  Generally speaking, that’s what a tax “refund” is.  If you don’t have debt to pay down, you might wanna put a fistful of those dollars in your checking account – and fuhgeddaboudit.

Most checking accounts these days are not free unless you jump through hoops.  Banks vary, but you usually have to pay at least $10/month unless you have a daily balance of about $1,500.  You should not have to pay ANY monthly fees to have a personal checking account.  I never have.

People don’t think of it his way, but the money you pay for a checking account is usually after-tax money.  You might have to earn $200-$300 at your job to have enough money left after taxes to pay your bank $150 in fees – every year.  That adds up!

Make the best of your tax refund.  If you already have free checking and no debt, start building that Emergency Fund.  EverBank’s Yield Pledge Money Market Account pays 1.40% guaranteed for six months on balances up to $50K. I’ve had it. FDIC & legit.  And a pretty sweet rate!

Cardpool Home Depot Savings

How I Saved $217.59 in 5 Minutes


Cardpool Home Depot SavingsI hate coupons for individual products.  My brain melts when I have to find the 14.627 ounce size of pomegranate toothpaste with menthol to get half off.  The occasions on which I have tried being a coupon-clipper, it seems like I spend 4 times as long in the store, hunting for the thing that will save me $1.50.  I HATE IT!

But… I LOVE a nice discount off my OVERALL purchase.  That’s easy.  I buy what I actually want and get a discount off the top.  Done!

I have to spend over $1,000 in home improvement materials.  Here’s how I saved about $217.58 in 5 minutes.  That is over 21% off, after any discounts in price for things on sale!  Pretty sweet.

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How Many Days Old Are You?


100yearoldladyWe all have a friend or relative who sends us stupid emails.  Let’s face it, I may be that person.  When I see their email in my Inbox, I reach for the delete key as I scan the subject for a last second reprieve.  I just got a diamond in the rough!

Here’s a site that will tell you how many days old you are.  I’m over 17,000 days old!!  How much would you have if you saved a measly buck every day of your life?  What if you socked away $5 or $10 per day?

If you like this idea, here’s a good place to stash your cash: EverBank’s Yield Pledge Money Market Account pays 1.40% APY guaranteed for six months on balances up to $50K. I’ve had it. FDIC & legit.

You need $1,500 to open it.  Kickstart your account with your tax refund!

Frugal Hoosier Manager

The Frugal Hoosier


Frugal Hoosier Manager

Sorry about the break in posts, I was shooting an episode of the ABC sitcom “The Middle”.  I play Clark, manager of the Frugal Hoosier grocery store.  My worlds collide.  Typecasting!  You know I had to dig deep to research this character.  I’m a Buckeye, for crying out loud.

The money tip here is a reminder for you Chase Freedom cardholders.  You have the rest of this month to get 5% cash back at grocery stores with that card.  Details in my post “A Pretty Quick $57”.

Click on “Chip’s Favorite Credit Card Offers” at the top right side of this website for up-to-date deals, terms, and conditions on this card. Email me if you have any questions.

Cardpool Raise Logos

How I Bought A New Computer & Sold My Old One


I needed a new computer, but I didn’t have a guy.  Do you have a guy?  I don’t have a guy.  Then it occurred to me that my union may have the hook-up to get a computer at a discount.  So I called SAG-AFTRA and voila – they’ve got a guy!  Well, a website.

Step One:  Buying Through Your Hook-Up

working advantage logo-smIf I signed into WorkingAdvantage.com, and plugged in my union’s code, I could go to Dell and get a computer at a discount.  The price was discounted 11%.  That was $90 off.  This brought the price down to $750.

The Takeaway:  Check with your employer, union, or social organization to see if they have any such hook-up before making a large purchase.

Step Two: How To Pay For The Stuff

Cardpool+Raise LogosYou can buy gift cards to stores (including Dell) at a discount.  Raise, Cardpool, Gyft, GiftCardRescue, and MonsterGiftCard are companies that buy and sell gift cards.  They buy your unused or partially used gift cards for less than face value, and turn around and sell them for more.  It’s a profit deal.  Stores will also provide cards to the discount gift card companies too.  The discount gift card companies make a profit, even though they sell the gift cards to you at a discount – below face value.  To you, it is an automatic discount.

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William Wallace Braveheart Sm

A Pretty Quick $57


william_wallace_braveheart-smFreedom!!!!!!!!!!!!!! That was my William Wallace impression.  Your thoughts?

The Freedom card from Chase can get you a pretty quick $57 in tax free cash.  As you may know from reading this post, this quarter’s 5% category for Chase Freedom includes grocery stores.  If that card is not your #1 go-to card, get the card out of your sock drawer and pop over to your grocery store’s gift card kiosk.  Grab three Visa or MasterCard gift cards and head to the check out.  Tell the cashier you want to put $500 on each gift card.  She may think she misheard you or that you are a crazy person.  Yeah, crazy like a fox who is about to have enough extra cash to graze on some organic, free-range chickens!  Pay for the gift cards with your Chase Freedom card.

Just like that, you have maxed out the 5% quarterly spending on your Freedom card.  The $1,500 grocery store purchase will result in 7,500 Chase Ultimate Rewards points hitting your account when your statement drops.  Those points can be redeemed for $75 cash, a statement credit on your Chase Freedom bill,  or merged into another Ultimate Rewards card tally that you may have on another card (like Sapphire or Ink cards).

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Debit Card

The Debit Card I Use For 2 Things


debit_card(UPDATE: June 1, 2015 – UFB discontinued the the ability to get 1% cashback when use their debit card to pay off your credit card. It was great while it lasted!)

(UPDATE: May 1, 2015 – UFB discontinued the Premiere CashBack Checking account for New Customers.  Those who have it already will be grandfathered in.  If you already have any UFBDirect account, contact them to see if you can get it.)

As a rule, I don’t use a debit card because it gives direct access to my bank account.  If someone stole my debit card info, they could access my cash.  A credit card puts a firewall between hoodlums and my money.

I make an exception with the UFB Direct debit card because it gives me 1% cash back on whatever I PAY my credit card company.  That means I will earn several hundred dollars a year paying off my credit card bill with this debit card instead of a check.  I only use this debit card to pay off my credit card bill and one other thing.

Here’s the scoop.  UFB Direct has a special VIP, double-secret, pinky-swear offer.  If

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