Here’s the Best Way to Get Cash Back on eBay Purchases

If you shop on eBay, you know it can be a great place to find a bargain. But if you’re like most eBay shoppers, you’re probably not getting any cash back on your eBay purchases.

What’s that? you ask. I could be getting cash back on eBay?

Yes, although it’s getting trickier now that eBay is shutting down its own cash-back program.

“Enrollment in the eBay Bucks Rewards Program is currently closed,” eBay’s website says. “After careful and thorough consideration, we decided to retire the 1% earning as we look to continuously optimize our offerings.”

That’s OK, though! Getting eBay cashback is still easier than you might think.

Just make sure you’re using a reputable cash-back platform so you’re not getting ripped off. There are plenty of shady outfits out there that’ll promise you the moon while gouging you with some kind of costly subscription service. You don’t want that.

To help out, we’ve got a list of cash-back websites that’ll get you rebates on eBay purchases:

1. Rebaid

Rebaid helps shoppers find freebies, rebates and discounts on scores of shopping sites, such as Amazon, Walmart, Target, Etsy — and eBay cash back. In some cases, it offers up to 100% cash back!

It’s free to sign up, and it’s easy to use. You start at the Rebaid website, where you browse through offers or search for specific offers. Once you choose an available offer, it’ll take you to the retailer’s website to buy your item.

Once you’ve made your purchase, you copy your order number and go back to Rebaid to claim your rebate. Discounts typically vary from 25% to 100%. Most rebates arrive in your mailbox via a check, but some are done via direct deposit.

You can also get direct discounts where you enter a code at checkout and get savings right away.

It’s that simple. That’s all there is to it.

2. Swagbucks

If you use the free rewards website known as Swagbucks next time you shop online, you can save on purchases at some of your favorite sites like Amazon, Target and Old Navy. It also features eBay cashback offers and eBay coupons.

Swagbucks’ eBay rewards offers continually change, so you have to check. On any particular day, Swagbucks might offer something like a $10 off coupon on select jewelry purchases of $40 or more. Or 10% off Under Armour apparel. Just look at each coupon code and decide if it’s right for you.

It just varies from day to day.

3. MyPoints

MyPoints is another cash-back portal that lets you earn rewards by shopping online and printing coupons. It’s connected to thousands of stores, including favorites like Walmart, Amazon, Target — and eBay. You earn points by purchasing from stores through the MyPoints portal, and you can eventually convert the points into cash.

4. Ibotta

Ibotta is mostly known for grocery rebates. It’s best known for paying you cash back for buying hundreds of different brands at the supermarket.

In the past, the Ibotta platform offered cash back on various eBay purchases, but that’s not currently the case. Ibotta used to have an eBay page, but it no longer exists.

5. Rakuten

Rakuten is a browser extension that used to be known as Ebates. It helps you find coupons, cash back and other deals when you shop at thousands of stores including Target, Walmart, Macy’s and Kohl’s.

It offers eBay coupons, promo codes and up to 1% cash back on various purchases from eBay if you shop through Rakuten’s browser extension. Cash back is only available for certain departments on eBay, though.

First you have to install the browser extension. You can use it with Chrome, Firefox, Safari or Microsoft Edge.

6. RebatesMe

The RebatesMe Cash Back Button lets you earn money and score savings when shopping at your favorite online retailers, including Overstock and eBay. When you check out, this browser extension will show you coupon codes, and it’ll alert you if the site you’re visiting has any cash-back offers.

7. But Wait, There’s More!

There’s a whole slew of other cash-back websites, browser extensions and shopping portals out there, including BeFrugal, Better Sidebar, Extrabux, Giving Assistant, Kiindly, Slickdeals and Yazing.

You can also buy discounted eBay gift cards or eBay branded gift cards.

In other words, there’s no shortage of options available to you.

So how do you choose which one to use?

We’re actually partial to Rebaid, and here’s why:

Why Rebaid is Our Choice

There’s a lot of public skepticism about rebate sites, because so many of them have gone out of business, or because they fail to actually pay the promised cash back.

Rebaid is an established, U.S.-based company, and its members consistently get their rebate checks.

That’s why it has a high rating of 4.7 out of 5 on Trustpilot, based on hundreds of positive customer reviews. It’s simply better than a lot of the other sites.

If you’re looking for eBay deals, don’t neglect this easy extra step to save money.

It may be one of the world’s largest online marketplaces, but a lot of eBay shoppers aren’t accustomed to getting cash back on their eBay purchases. But if you’re getting cash back at the gas pump or getting cash back from your credit card, there’s no reason you should have to pay full price on eBay.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

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Source: thepennyhoarder.com

Does your income affect your credit score?

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

No, your income doesn’t directly impact your credit score. But your income does play a role in the loan approval process, so you should understand why your income matters to help you prepare for your next loan application. 

What affects your credit score?

Your credit score is based on your credit report. So, naturally, only the things on your credit report can—and should—affect your credit score. And income isn’t one of the things included on a credit report. Additionally, other factors, such as your marital status, race, employment status and how much you have in savings, aren’t included in your credit report. Your credit report is only supposed to summarize your past behavior when borrowing credit, so factors like income and savings aren’t applicable.  

The credit bureaus collect consumer data from lenders and creditors. This data is run through a credit scoring model, such as the FICO® or VantageScore® models, to give each individual a credit score. Your credit score tells creditors how risky you are as a borrower based on your past patterns with other lenders. The higher your credit score, the more reliable a borrower you probably are. 

So, if your credit score doesn’t look at income, what exactly does it look at? Your credit score is made up of five factors that are weighted differently in importance:

  • Payment history (35 percent): Your payment history is a record of whether payments are made on time and in full. This is the most significant factor in your credit score, so making even one late payment or missing a payment can drop your score by several points. On the other hand, a good track record of paying lenders on time can improve your overall credit.  
  • Amounts owed (30 percent): Amounts owed represents your credit usage, also known as your credit utilization ratio. This ratio is the amount of credit available to you versus the amount you spend every month. If you have a single credit card with a limit of $10,000 and spend $1,500 monthly, your ratio is 15 percent. A credit utilization above 30 percent is more likely to negatively affect your credit score. 
  • Credit history length (15 percent): Your credit age is the average age of all your credit accounts. This will naturally improve with time as your accounts get older. However, you can keep your credit age as high as possible by not closing your oldest account. 
  • Credit mix (10 percent): Your credit mix is all the different types of credit that make up your profile. Having a diverse credit portfolio shows that you can be responsible with all sorts of lenders. A combination of installment loans (car loans, student loans, mortgage) and revolving accounts (credit cards) is optimal. 
  • New credit (10 percent): The number of new credit accounts you’ve opened recently—and the associated hard inquiries—can impact your score. It’s not recommended that you open several new accounts in a short period, as it can significantly lower your credit score. 

Your income can indirectly affect your credit score

As we’ve illustrated, your income isn’t one of the factors considered for your credit score.  But your income can impact your ability to make your payments on time and in full, and payment history is the largest factor of your credit score. 

But perhaps more importantly, your income will typically have a direct effect on your loan approval odds. For example, when applying for a mortgage, both your income and credit score will be used to evaluate you as a borrower. How much you make combined with your credit score will determine how much you’re approved to borrow and at what loan terms. 

Lenders often ask you to list your income on loan applications so they can understand how much you can afford to borrow. If you don’t have enough income to pay for or handle the credit you’re applying for, that can prevent you from being approved. 

Understand your debt-to-income ratio

Your debt-to-income (DTI) ratio will be examined when you apply for credit and will play a role in your approval or denial. The debt-to-income ratio is how much of your income goes to debt versus how much you have left over. So, if you have a monthly income of $4,000 and spend $1,200 on your monthly bills, your debt-to-income ratio is 30 percent. 

If your debt-to-income ratio is very high, it indicates that you probably don’t have the income room to take on new, additional debt. Generally speaking, lenders want to see a debt-to-income ratio of less than 36 percent to give approval for new credit or loans, with a DTI maximum of 43 percent for mortgages.

Note that it’s your income—not your salary—used in the DTI ratio. Your salary is the annual amount of money you receive from an employer. In comparison, your income includes your salary and any additional monetary sources, such as rental payments, stock profits, alimony and more. Income is the criteria used when you’re applying for a loan or credit product because all these additional sources of revenue can help you pay your debts. 

Work to improve your DTI ratio and credit 

You might not be able to drastically improve your income right away, but you can try to focus on your DTI. Start by determining what your current debt-to-income ratio is. Next, do what you can to lower it. Pay off existing debts and reduce your monthly spending where possible. 

Additionally, focus on the main credit factors so you can improve your overall credit. Make all your payments on time by signing up for auto-payments. Keep your credit utilization low, minimize hard inquiries and keep old accounts open. If you have a strong credit score and a healthy DTI, it’s entirely possible to qualify for a good loan with excellent terms on a modest income. 

If you think you’ve made a misstep with your credit and you’re not sure how to fix it, consider working with a professional credit repair service. The credit repair consultants at Lexington Law Firm will review your credit reports with you and offer credit education resources. You don’t have to go through this complicated process on your own—get help today. 


Reviewed by Anna Grozdanov, Associate Attorney at Lexington Law Firm. Written by Lexington Law.

Anna Grozdanov was born in Sofia, Bulgaria, but moved to Arizona with her family. Ms. Grozdanov grew up in Arizona and went on to graduate Magna Cum Laude from the University of Arizona with a B.A. in both Philosophy and Psychology. Ms. Grozdanov finished her first year of law school at Pepperdine University School of Law in California, but returned to Arizona where she graduated from the Sandra Day O’Connor College of Law. Since graduating from law school, Ms. Grozdanov has worked in Estate Planning, Estate Administration, Probate, and Personal Injury. She has extensive experience advising and working closely with clients and applies these skills at Lexington by helping clients achieve their credit repair goals. Ms. Grozdanov is licensed to practice law in Arizona. She is located in the Phoenix office.

Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Source: lexingtonlaw.com

Languishing? Here’s How to Turn it Around

You may not be at the point of burnout… but might you be languishing? Many are experiencing a feeling of “meh” right now. And today Modern Mentor shares the three keys to overcoming the languishing and landing instead in a state of flourishing and flow.

By

Rachel Cooke
January 18, 2022

burnout has commanded a lot of our collective attention, because so many have suffered from its symptoms: overwhelm, exhaustion, cynicism, and a kind of helplessness.

Burnout is real. But it’s not universal. While many aren’t quite at the point of burnout, they’re clearly not thriving. They’re feeling more of a sense of “meh.” 
This gray, bland middle place that’s starting to feel familiar to many of us is what organizational psychologist Adam Grant calls “languishing.” It’s not depression or burnout, and it’s definitely not thriving or flourishing… it’s the place in between. This USA Today piece describes it as “feeling a lack of focus and a general purgatory between mental wellness and illness.” 
Does this sound familiar? If so, the good news is that Grant offers a clear and simple antidote to this feeling in a recent TED talk. So let’s break down his three-part framework and talk about how you might apply this at work to get a boost.
Overcoming languishing is about finding flow. And we do this by pulling three levers: mastery, mindfulness, and mattering. Let’s touch on each and consider what it might look like in practice.

Mastery

Mastery is the idea of achieving something that feels meaningful to you. It’s not crossing something off your to-do list or delivering something your boss or client needs. Those are important—but they’re not mastery.
Mastery leaves you feeling good at something; accomplished. Even if that thing you’ve mastered is tiny. 
A couple of things I’ve been striving to master in recent months include:
• Reading non-fiction that challenges me to explore new ideas about the workplace
• Doing outreach to people I haven’t met personally (yikes!)
• Experimenting with new ways to facilitate workshops and programs virtually 
These are all things I want to feel more skilled in doing, not because I should but because I’m hungry for the growth.
So, where’s your personal opportunity for mastery at work? 

Learn a skill or program

What have you always dreamed of doing and doing well? Public speaking? Building marketing campaigns? Head down a rabbit hole. Can you spend 30 minutes a day (or 10 if that’s all you can spare) watching videos or taking LinkedIn Learning courses? 

Impress someone you want to connect with

Is there someone you aspire to make a connection with? Start building a list of talking points you’d like to share or questions you’d like to ask. Do this until you’re impressed with the conversation you envision, and then invite them to coffee. 

Build a portfolio

What do you want to be known for? Do you aspire to be the go-to writer or financial modeler or marketer? Start curating some work samples and craft a portfolio you’ll be excited to share.
The goal is that by spending some time each day creating momentum for yourself, you’re having an experience of moving, achieving, and developing.

Mindfulness

Mastery is about doing the thing. Mindfulness is about doing it completely, wholeheartedly, and without distraction.
Friend, this is where the art of boundary-setting becomes the craft you need to perfect. Creating the time and space for yourself to begin mastering the thing is critical. 
My calendar is blocked off every day until 10 a.m. If an emergency arises, clients know how to reach me. But as a matter of course, nothing is scheduled first thing in my morning. This is when I exercise, journal, and commit to mastery. I’ve carved out the time and space to make it happen.
Here are some strategies you might deploy to do the same.

Put time on your calendar

Mindfulness begins with commitment. Whether your mastery plan involves watching videos, taking online courses, journaling ideas, or reviewing past projects, you’ll need time to do it! So put it on your calendar and protect it like a mama bear protects her cubs. Will emergencies arise from time to time? Sure. But let those be the exception. You make the rule here.

Create space

Let your boss/partner/client/kids know when you’ll be unavailable. Put on an out-of-office responder for 30 minutes. Clear off your desk. Grab your headphones, a fancy set of pens, a killer snack—whatever will enable you to fully engage in the task at hand. You’ve cleared the time. Don’t squander it with clutter or distraction.

Phone a friend

Let someone close to you know what you’re striving for. And invite them to be your accountability buddy. Promise to text them to confirm you did what you said you’d do. Call them for help or advice when something or someone threatens your focus. There is no shame in asking for help here!

Don’t apologize

Just don’t. This is not selfish time. This is meaning-making time. You will never bring your best self—your best energy, creativity, motivation—to work when you’re languishing. So do not apologize for taking this time to improve you. Your company will benefit from your commitment to mindful mastery.

Mattering

Mattering, well, it matters. A lot. Because if you can’t attach your mastery and mindfulness to a “why”—a sense of purpose—then you’ll struggle to commit, to set boundaries, and to fall into that state of flow.
For me, I’m not just reading non-fiction to expand my knowledge base, but rather to be able to provide leaders and their teams with a broader range of tools and strategies that allow them to achieve success without burning out. I’m mastering something grounded in purpose. I’m finding meaning in the mastery.
So, what really matters to you? 
How will learning that new program allow you to better serve your clients? How will building your portfolio position you to someday step into a leadership role, teaching and mentoring other young talent?  
Getting clear on why something matters to you will help you commit. It will motivate your mastery and help you protect your mindfulness.
Give these ideas a go. And check in with yourself. I suspect—and I hope—your feeling of languishing begins to slowly morph into a gentle experience of flow and flourishing.