For me it is razors, deoderant, face creams because I check out freebie sites and these are always being given out and since they last a while I never run out.
2007-09-08 18:18:54 · 3 answers · asked by reallyfedup 5 in Business & Finance ➔ Personal Finance
Free loans. If you have good credit, several credit cards with no balances, you can call and tell your credit card company that you want to cancel your acount. They of course ask why, and you can say, I keep getting these 0% offers from other credit card companies, and you haven't done squat for me lately.
In order to keep a good existing customer, they'll start asking you if you'd like lower interest rates, a bigger credit limit, or a 0% interest loan. Say yes to everything.
This works. In the last year, I've gotten $45k in 0% loans. They'll waive or cap the transfer fees if you ask. I paid $75 total in fees for that $45k. Then I deposited in a high interest online savings account, and milked the interest, only making withdrawals to pay the minimum payments. By the end of the loan period, I made almost $2k in interest.
Make damn sure you pay every minimum payment on time, and make sure you know exactly when the 0% offer ends so you can pay it off in full before that date.
Also, don't make any normal charges on that card while you are doing this. It mucks up paying no interest on the new charges, and unfortunately, you can't dictate which balance get's paid down first, so the amount you charge will rack up interest month after month.
2007-09-08 18:41:00 · answer #1 · answered by Uncle Pennybags 7 · 0⤊ 0⤋
I travel a lot. I hate throwing the soap and shampoo away when I've only used a little. And they restock every day you're there. I bring the soap home. The bar usually lasts 2 weeks (I live alone). I haven't bought soap in at least a year.
2007-09-09 01:36:29 · answer #2 · answered by shoredude2 7 · 0⤊ 0⤋
yah but most of the time its stuff i dont need.
2007-09-10 14:12:36 · answer #3 · answered by white lily 2 · 0⤊ 0⤋