American Express Charge Cards

by DR

in Credit Cards

American express charge cards offer the convenience and security of a credit card, without the interest charges and over limit fees. Unlike a traditional credit card, charge cards must be paid in full each month. In this way, there are never interest charges, and your credit limit is set based on your purchasing history.

American Express charge cards offers some of the best rewards and customer service available. Here is a list of the must exclusive American Express charge cards available, including the new ZYNC card designed specifically for young adults.

American Express(R) Premier Rewards Gold Card
American Express(R) Premier Rewards Gold Card
Apply Now...
  • Membership Rewards(R) bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
  • No annual fee for your first year – a $175 savings
  • Get approved in 60-seconds.
Intro APR Intro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/A N/A N/A See Terms* No Excellent
American Express(R) Gold Card
American Express(R) Gold Card
Apply Now...
  • Earn 10K Membership Rewards(R) points, redeemable for select gift cards valued at $100, when you spend $500 in your first 3 months of Card membership
  • Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
  • Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
  • Redeem Membership Rewards(R) points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Get approved in 60-seconds.
Intro APR Intro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/A N/A N/A $125 annual fee No Excellent
The Platinum Card(R) from American Express
The Platinum Card(R) from American Express
Apply Now...
  • 25,000 Membership Rewards(R) points bonus, redeemable for one domestic round-trip Coach-Class airline ticket, when you spend $1,000 during your first three months of Card membership
  • New GLOBAL Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
  • Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fees
  • Complimentary Companion Airfare with purchase of qualifying First- or Business-Class international ticket
  • 24/7 Platinum Card(R) Concierge service for assistance with reservations, travel, gifts, and more
  • FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Intro APR Intro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/A N/A N/A $450 annual fee No Excellent

When you are evaluating credit card offers, please make sure to read the terms and conditions on the credit card issuer’s website, as they may have changed since the information was last updated on this site.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Published or updated May 29, 2011.

{ 108 comments… read them below or add one }

Beverly Rojas December 22, 2009 at 8:22 pm

This year I am sticking to my decision to buy the gift someone has requested, and I am resisting buying “just a few” little extras for each person. And for those that want a gift card, I will present them with cash so every cent goes to the recipient, which also eliminates the possibility of lost cards. No waste. No disappointment.

Reply

Keri December 22, 2009 at 8:24 pm

I am a sucker for buying gifts for other people, so this is hard for me, but I have really not let myself buy things that will be forgotten the next day.

Reply

Irene CJ December 22, 2009 at 8:42 pm

This is my savviest holiday spending ever. I bought all my Christmas gifts with flour, sugar, butter, milk, & eggs–a literal doughroller.

While I was on maternity leave in July & September from our little cafe, I came up with the idea to invest $150 on a crepe maker on Amazon (on sale, no tax, free shipping). I spent $5 a month on a Vista Print website offering a crepe party catering business and showcased the concept at several charity events in October. Between then and Christmas Eve I made over $2000. I bought 90% of my gifts online, on sale, free shipping, & no tax. After minimal food investments, I was still able to buy all my gifts, make a bunch of people happy, and pocket a cool $1000 making this the easiest and tastiest holiday ever!

Reply

DR December 26, 2009 at 8:56 am

Irene CJ, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Sarah December 22, 2009 at 8:46 pm

We received a ton of “free money” coupons this year. $5 off $5. $10 off $10. And so on. We used those to buy gifts. We also really really shopped sales this year and bought as much from online vendors with free shipping as we could (hey, we saved on gas!) We also cut spending way down. It’s the thought that counts, not the dollar amount!

Reply

Massimo December 22, 2009 at 9:26 pm

We come up with the idea of subscribing to E-mail alerts like the cheapskateblog. , Ben’s Bargains , CNET and DealCatcher , Slickdeals Mobile , Amazon Fillers , with specific key words like , digital camera or ipod or any other gift that we were looking for .

Reply

jen c December 22, 2009 at 10:01 pm

we’ve been entering lots of contests to try and win xmas gifts!

Reply

Sue December 22, 2009 at 10:13 pm

Don’t Spend Now,,wait untill things go on sale after the holiday’s & only then if it’s necessary..

Reply

Deborah Buckingham December 22, 2009 at 10:54 pm

I have been shopping clearance sales all year long. I also coupon and shop ads to get free items. I “bought’ tons of candles that make great holiday gifts for neighbors, and I actually received more of a rebate back than what I paid for the item. I have some posts on my great purchases here: queenbuck.wordpress.com

Reply

Mama Koala December 22, 2009 at 11:07 pm

The kids only receive 3 gifts each (a drastic change from when we grew up). The items were purchased at yard sales, via craigslist, and with coupons on black Friday.

We drew names for extended family.

We paid cash.

It’s a work in progress, but we are learning!

Reply

Leena December 23, 2009 at 1:35 am

I am a pastry chef so my family and friends really appreciate baked gifts. This year everybody is getting something edible. I maximized my holiday spending budget by buying ingredients and creating fantastic desserts. I splurged on decadent ribbons and glassine packaging to complete the look of my gifts.

Reply

Kat Bryan December 23, 2009 at 2:02 am

I use both online surveys and Swagbucks to earn Amazon credit which I then used to buy presents. I spent a long time researching the best deals. I also made homemade goodies instead of buying treats which saves money. Anyone for poppy seed biscotti?

Reply

MLR December 23, 2009 at 4:16 am

My Xmas strategy goes as follows:

1) Make a list in Excel of what I want to get everyone and list the MSRP price next to it. (A month or so ahead of time)
2) Set up price alerts with Price Grabber to alert me when anything drops below 50% off. You’d be amazed how often this happens.
3) Frequent Slickdeals.net to see if anything I want to get has a crazy sale going on. The forums are full of deals where people will stack coupons and special promotions to get the product very cheap and even free sometimes!
4) Sign up for an Amazon Prime trial. This entitles me to FREE 2 day shipping on all Amazon purchases. A lot of deals I find are through Amazon, so no shipping is a great deal.
5) If I have family / friends I won’t be seeing until after Xmas anyways, I don’t stress. Hopefully some after holiday sales will pop up :)

Last year I beat my Xmas budget by about 70% (I budget @ MSRP of all the gifts I want). I’ll usually donate half my savings, still falling well within my budget.

Reply

DR December 26, 2009 at 9:00 am

MLR, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Garry S December 23, 2009 at 4:36 am

Staying out of the malls or high end departments. And staying single, girlfriends cost too much (jk) just thought i’d swing that one in their for a laugh. No, but going out to eat with places that offer deals. Like the Two for twenty at Applebees & you get an appetizer. Also me & my girlfriend go bowling on Monday nights at this local place where we live, they offer free bowling night, all you do is pay for shoes. We also use Restaurant.com to get deals on restaurants, and you get to try new places, so that’s always a plus. We always go to the matinee movies, which is cheap & yes we are the frugal people who sneak in all our snacks, because we all know the movie food is pricey. We also attend free store events where they give out free stuff, samples, prizes, or gift bags. We love these deals! Its like your hardly spending money out of your pocket & it’s like getting something extra in them. We also use coupons! WHo doesn’t these days? If you don’t, START! Saves tons of money, cashiers always are stunned to see how much i save. I also am apart of a survey company that pays you to take surveys, like opinionoutpost.com, so far i’ve made $50 dollars & i have only been a member for about a month i think. And in spare time i play instant win games online. And yes i have won gift cards! I also am a Costco member, which saves money at times buying in bulk. We also have switched the light bulbs in the house for more energy savings. Cheaper light bill! We have done simlar things around the house to keep the heat bill down also. We use our fireplace more also. Theirs so much you can do to save money, and it all first starts in the home! ;)

Reply

DR December 26, 2009 at 9:01 am

Garry S, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Garry S December 29, 2009 at 11:32 pm

HOW COOL. I REPLIED TO YOUR E-MAIL. PLEASE REPLY SO I KNOW I WILL BE GETTING MY PRIZE. SO EXCITED! THANKS :)

Reply

DR December 30, 2009 at 6:07 am

Garry, the prizes should be going out shortly after the New Year.

Reply

Susan Heim December 23, 2009 at 7:16 am

My family has decided not to give gifts this season. Some are too sick to get out to shop and my husband and I both have been working short weeks all year at our prospective factories so money has been tight. We decide to spend Christmas gift money on a wonderful dinner so we could get together and enjoy each others’ company. We also decided if there was any extra money to donate it to Toys for Tots so some deserving children could have a Merry Christmas.

Reply

DR December 26, 2009 at 9:01 am

Susan, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Susan Heim December 26, 2009 at 2:11 pm

AWESOME! Thank you so very much! I have been wanting one of these for forever…what an excellent Christmas present. You just made my week!

Reply

Susan Heim December 27, 2009 at 6:55 am

Did you send out the emails yet? If you did I didn’t get one. Hate to miss it!

Reply

DR December 27, 2009 at 7:01 am

Not yet. I’ll be sending them out later today!

Steve December 23, 2009 at 7:49 am

I opened bank accounts using promotional offers to get free money.

Reply

Ronda Garnett December 23, 2009 at 8:17 am

We decided NOT to spend any money…any gifts exchanged had to be made from whatever is on hand :)

Reply

Denise Johnson December 23, 2009 at 8:30 am

Every year I have a budget for Christmas gifts. I save money throughout the year so that I can spend money on Christmas gifts for my family and friends and not have it impact my finances negatively. Part of that budget is to buy gifts for a local family through a family services agency. Getting their wish list which includes items for the parents like ”cleaning supplies, towels, blankets” and other necessities helps me and my family to remember how fortunate we are. I think making my money work harder for me includes getting a good perspective on how much we have, how much we really need (or don’t need) and how sharing can positively impact our community.

Reply

Johannah B December 23, 2009 at 9:46 am

We live debt-free (no mortgage, car payment, or credit card debt). We never had any credit card debt as we promised each other (37 years ago) that if we couldn’t pay off the bill in full every month, we would cut them up and never use them again. Consequently, we don’t buy what we can’t pay off every month, points from our cards has gotten us trips, airfare, and even cash.
Being naturally frugal, and having our income cut 70% this year, meant our plan had to have many additional facets. This past year I entered and won blog and twitter contests for things I was always planning on (if I won) gifting to others. Most were children’s items perfect to use as gifts and this allowed me to seriously cut my budget for Christmas spending. Another was that I started baking Artisan and other breads as well as cooking more from scratch. Stocking up on staple items on sale (5 lbs. of flour, 5 lbs. of potatoes at just .99/each), matching that with coupons (sometimes doubled and tripled in my area) and planning dinners around the sales has also worked to significantly cut our food spending. Just last night I baked 8 loafs of bread (Artisan Sesame, Regular, Sally Lunn and Cream Cheese Bread) for gift giving. Picture:
http://www.ccssinc.com/jo/bbreads.jpg We haven’t successfully navigated through the 70% income cut having to take our real estate taxes from our savings this year, but because this home is paid for, and our savings can handle it, we are going into 2010 still debt free.

Reply

DR December 26, 2009 at 9:04 am

Johannah, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Kam A. December 23, 2009 at 9:51 am

I purchased the majority of my holiday gifts online this year taking advantage of free shipping codes, no sales tax, % off coupons, and/or Bing Cashback or Ebates. The amount of money that you can save by looking for deals throughout the year and utilizing the discounts that are out there is amazing! Also, by using my credit card I received cash back rewards and of course I will pay the balance off every month so as not to be charged interest on my purchases.

I also cut down on the number of gifts that I buy. For instance, a couple of months before Christmas I contacted my sister and all of my sister-in-law’s and brother-in law’s and suggested that we don’t exchange gifts this year. All readily agreed with me as it is difficult to buy anyway for someone you don’t see that often. Instead of purchasing those seven gifts we purchased a gift for an Angel Tree child instead. My five-year-old and I also donated our time to work the Angel Tree. Not only did it not cost us a dime, it provided a wonderful life lesson for my child. You definitely can’t put a price tag on an experience like that!

For my children’s gifts to their grandparents and great-grandparents we went the handmade route. I waited for a sale on plain white plates (ended up with a 6 pk for .99 after rebate!) and bought special markers (using a 40% off coupon) for them to draw pictures on them with and write their names and “2009.” The end result was wonderful and I am sure the gifts will be well-loved, much more so than just a regular store-bought gift!

Another thing that I do every year is shop the after-holiday sales. Why pay full price for holiday decorations when you can get them up to 90% off after the holiday is over. I buy items then and then store them until next year! This works with gifts as well. It is all about planning ahead and not waiting until the last second to purchase items.

Reply

DR December 26, 2009 at 9:05 am

Kam, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Laura December 23, 2009 at 10:26 am

I stock up on presents during the year. I also shop with coupons during the year and stock up on health and beauty items that are famous label items. I also do the after Xmas sales to stock up on things I might have missed.

Reply

Phil December 23, 2009 at 10:39 am

My wife and I live at a distance from our families. We are both unemployed, so sticking to a stiff budget is mandatory. To save on Christmas costs this year, we have decided to give our families the gift of “us.”

We will be taking an extended trip home this Christmas so that we can spend time with family members that we haven’t spent much time with in the past. Besides the cost of travel (which we will be driving), our cost for presents will be very minimal.

One gift, in particular, that we’re giving to my wife’s grandmother, is an “ice cream date.” We’re going to pick up 3 hot fudge sundaes at McDonalds ($1 each) and spend the afternoon with her.

That’s how we’re making this year’s gifts count, more than ever!

Reply

Betty December 23, 2009 at 11:07 am

I can’t live with a cease and desist decision on gift giving because money is tight. The savviest thing I did was to start early in summer to come up with who we needed presents for and what would be appropriate gifts for them. In my family, the guys just don’t want to think about this until the last minute. But my daughter and I started early and like many in NJ, we went to raffles. In the end, I needed to purchase for my daughter to get something she hadn’t already seen.

Our local volunteer Fire Dept and Rescue Squad send out donation requests and we always respond with a donation. Last Fall they held a raffle where with the donation we would of sent anyway, we bought raffle tickets. We ended up winning a power drill for Dad, a new petbed/toys and treats for the bestfriend’s dog, binoculars and birdbook for college roommate who is devoted birdwatcher and even presents appropriate for the inlaws, That was a great night and the value of those prizes far exceeded what we donated. We went to 4 different raffle causes during the fall where the money was going to charity for a purpose we felt totally comfortable donating to even if we walked away without a win. The prizes are donated and many on limited budgets spend an inexpensive evening out with family and friends while hoping to stretch their donation into a win. Fire/Rescue, Youth group funding for the local church, Project Graduation at our High school to provide alcohol free celebration in the Spring, and an event to help with chemo expenses for local single mother with no health insurance. Most of the time we were lucky and brought home some very unique prizes that fit a need on our holiday list. In a budget sense, the charity events were spread out weeks apart and we never went crazy purchasing additional tickets except for the single-mother fundraiser which was a real heartbreaker. When we purchase at stores, I watch the sales closely including the online deals. Purchases are on credit card with the balance paid in full each month. We do have reward points that turn into local thempark family memberships for the summer months. Money is tight with two ‘kids’ home – one laid off and the other just graduated. We are trying hard to be money savvy and passing that along to kids. One is now recently employed so things are better.

Reply

Daniela December 23, 2009 at 1:06 pm

The best way I’ve used my money to get money is buying the Sunday paper for its coupons. I read a forum for the best deals and then hit the stores for almost free items. After I “bought” a large amount, I had a garage sale and made a huge profit. With that, our Christmas is nicer. It’s been a long time since I’ve paid regular price for anything.

Reply

terry December 23, 2009 at 1:09 pm

my son received a new credit card and needed cash for christmas and was going to borrow on his credit card to get it .I offered to lend him the money he needed if he would pay me back by the 20 of december at half the interest the credit charge was going to charge him he saved money and I used the interest that he paid me to buy my christmas gifts it was a free christmas

Reply

Teresa Young December 23, 2009 at 1:13 pm

During the last year I have made it a habit to peruse the clearance racks at the stores I shop at, especially Target and Walgreens. I combine sales with coupons. I have been able to accumulate a few bins of toys, DVDs and health & beauty gift items. When someone celebrates a birthday, I shop at home first, to see if I have something appropriate. I also share my finds with my daughter-in-law. She bought gifts from me for $90 that would have retailed for $240. I have several pieces of clothing (bathing suits, shorts, tops) for my granddaughters for next summer that I paid less than $2 apiece. Items that I didn’t use as gifts this year and don’t think I will this coming year will be donated.

Reply

Diane B December 23, 2009 at 4:55 pm

I was able to give some phenomenal gifts this season by starting early and keeping my eyes peeled for internet freebies and discounts. Just because a gift didn’t cost the giver much, doesn’t mean the value is less. On the contrary, I am often able to find something much more personal and meaningful by starting early and finding discounts which give me more product for the cost. There were several photo websites which give away some incredible offers. These gifts took some time to prepare but they were free or no cost and every single person I gave one of these gifts to said it was an exceptional gift.

Reply

Linda F December 23, 2009 at 7:27 pm

I saved Giftcards that I won from sweepstakes during the year as well as Amazon Giftcards and money from answering surveys to pay for most of the gifts that I purchased this holiday.

Reply

Hannah December 24, 2009 at 12:30 am

Long before the holiday season I put on my listening ears to catch friends & family mention things they want. This even starts at Christmastime for the FOLLOWING year! “Wow! I’m so psyched I got a new XBOX! I can’t wait to get racing games… and wireless controllers…” Think about that this year so you have good ideas for next year!

With ideas in mind, I routinely browse through slickdeals.net, dealsea.com, and groupon.com to keep my eyes peeled for amazing deals throughout the year. I’ve purchased many things from all 3 sites – all at least 50% off!

If I find myself in a real crunch for time, I find that e-cards are the way to go! Delivery? Instantaneous! Shipping? Free! Effort? Barely! It’s really just point and click! I just bought some gift cards today that were 20% off. I bought a couple to give as gifts, and one for myself to spend in the future. When i spend this gift card, I’ll be sure to pair it with additional coupons saving me a ton!

I’m also trying to give some very meaningful gift cards this year by purchasing e-cards from sites like kiva.com (choose to support entrepreneurs in third world countries by lending a micro-loan), globalgiving.com (search by country and/or topic and choose from tons of charities to donate to), and tomsshoes.com (not the most stylish shoes ever, but buy one and a child in africa gets a free pair of shoes!) It’s in the holiday spirit!

When I’m ready to take the plunge and finally wrap everything up (aside from my e-cards of couse) I buy wrapping paper/bows/boxes/cards etc. ONLY EVER at the Dollar Store! Why pay $5 a roll or $5 a card at Hallmark, when I can get it at the Dollar Store for 20% of the cost?!

Online shopping and the dollar store have made my holidays affordable and convenient!

Reply

DR December 26, 2009 at 9:15 am

Hanna, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Kelly Bossard December 24, 2009 at 12:54 pm

My wife and I decided to remove the element of surprise and buy each other a combo gift this year. As it turns out, this approach saved us some serious cash. We worked together to get each other gifts that we both really wanted while saving a lot of money.

I had some Delta airline miles that were set to expire in January 2010. We exchanged these soon to be useless miles for a JBL iPod docking station and sound system and a $50 gift card to Bonefish Grill, our favorite restaurant. My wife had a 10% off coupon for Target and learned that if we bought the iPod touch during the 2nd week of December, we would also receive a $25 Target gift card.

As a result of working together and our thrifty thinking, for $265 we received the following:

1. A 32GB iPod Touch ($295 value)
2. A JBL docking station and sound system (over $100 value)
3. Two dinners at Bonefish Grill (we opted for 2 take-out dinners instead of 1 eat-in)
4. A $25 Target gift card (as good as cash in our family)

By sacrificing the element of surprise (which is overrated anyway after you reach your mid-twenties) my wife and I exchanged gifts worth approximately $500 while spending only $265. Who knows, if the DoughRoller comes through for us we could parlay this year’s Christmas gift exchange adventure into much more!

Reply

DR December 26, 2009 at 9:13 am

Kelly, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Cindy Wilson December 24, 2009 at 1:53 pm

I wrote letters and included them in my own photo greeting cards. I wrote what would have been hard to say in a busy setting. I gave of my heart and spirit this year. My husband passed away and this year is very emotional for me. I only gave gifts to my family and many of the gifts were my husbands tools that were brand new as he wasn’t able to use them because of his illness. My son’s were touched receiving gifts that I could never afford to purchase. I gave my canning supplies with a card to teach my daughter n law the lost art of canning. I gave my mother a 1972 Wallace sterling silver jingle bell that I could have sold on ebay for over $400.00, my mother was more important than the dollar. Every gift I gave had special meaning to me and to those who received them.

Reply

Jerry December 24, 2009 at 2:06 pm

My fiancee and I do much of our shopping online with the help of camelcamelcamel to track prices of things we want to buy (but aren’t in a hurry to buy).

One of the other unique things which we do as a couple is we visit the library often. It seems that young people in their 20′s (our age) are all too reluctant to use the library, instead opting to buy books from bookstores and going out to the movie theater. That money quickly adds up and could be saved for other things.

Reply

Scott and jackie December 24, 2009 at 2:20 pm

For us, there has not really any one tip. Rather this year we are seeing the culmination of several years of work.

The first thing we did was to set hard limits on what we spend for each family member for Christmas based upon our budget. Secondly, we have worked very hard to teach our children that the true spirit of Christmas is giving, rather than receiving.

To help drive this point home, for several years now, my wife and I have spent the bulk of the money we have budgeted for each other on charitable causes. We keep a modest amount back to buy a few small things to place under the tree and open, but most of the cash we allocate for each other goes to help other people.

Usually we spend this money to support causes like Samaritan’s Purse https://www.samaritanspurse.org/index.php/Giving/gift_catalog/c-7-gift-catalog.aspx , but this year we also donated a good chunk to help a local family that was struggling due to the economy. We worked together with some friends to gave this hurting family Christmas, to include gifts for the kids and a ham for the Christmas dinner!

The reason I say this year we are seeing the culmination of our efforts is that our 16 year-old son has also begun to follow our example. this year, he requested a couple small items for himself, and then spent the rest of the money we would have spent on him, on items from the Samaritan’s purse catalog. He even kicked in some of his own cash to donate something to Samaritan’s Purse as a Christmas gift to his girlfriend! I couldn’t be more proud as a parent.

If all of us would begin to give to others during Christmas (within our financial means of course) we could make a dramatic change in the the world. We would spend less, give more, and feel better — with far fewer financial headaches come January. Such practices also teach our children about what is truly important in life and helps them understand that the feeling you receive from giving to others will last far longer than than your interest in that “must have” gift.

This may not be strict “financial savvy,” but we wanted to share these ideas with you all.

Merry Christmas!

Reply

DR December 26, 2009 at 9:10 am

Scott and Jackie, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Jeannie December 24, 2009 at 2:23 pm

Thanks for the opportunity to win!
I usually have to buy throwaway gifts for some lame white elephant party or Secret Santa. The $20 here and there really adds up, so this year, my friends and I did a junkiest white elephant gift ever party. We dug up stuff from our closets and drawers to give away. We still had lots of fun opening “presents” and exchanging “gifts”, and the best part is that we didn’t have to spent a single penny- some of the gifts were “wrapped” in grocery bags! Ultimately, while some gifts were pretty junky (B&W analog portable TV, a used pumpkin scented candle!), some gifts really echoed the “one’s trash is another’s treasure” sentiment.

Reply

DR December 26, 2009 at 9:08 am

Jeannie, congratulations, your comment has been selected as one of 10 winners! I’ll be sending you an e-mail shortly with more details.

Reply

Doreen December 24, 2009 at 2:34 pm

I love saving money if at all possible! My family knows that and I do what I can to save anywhere. I clip lots of coupons and match their sales with the coupons. Of course checking all ads before I go anywhere FIRST.

I love using my gift cards in conjunction with sales and my coupons. I get my gift cards from usually MyPoints, Swagbucks, Reward Port, etc. For magazines, I get them free at E-Rewards and I make great use out of them passing them on to family Members so they don’t have to pay for them! If shopping online, you can get online codes for certain stores. You just do a simple search for like ‘coupon codes for Target’ or ‘free shipping codes’. You can use rebates places like Mr. Rebates for Cash back.

Also, I send small donations off to a Ministry and I receive an item/items from them. I’ll put them up on E-bay and make a nice profit off of them!! :)

Pretty nice ways to help save money!!

Thanks for this wonderful chance to win! I would LOVE a FLIP Camera and would totally do FLIPS for it!!!!

Reply

katie December 24, 2009 at 6:57 pm

Q: What is the savviest way you have made your money work harder for you this holiday season?

A: I went to yard sales and found gentally used or unused toys and gifts for the kids.

Katie

Reply

Lakshmi Kilaru December 24, 2009 at 9:26 pm

Since Chase Freedom changed its reward programs, I have begun to use my credit card differently. Previously, I was receiving 1% back with 3% bonus for specific categories. Now they have changed the terms with 1 point received per dollar plus 10 points per transaction. I’m using my card to make numerous smaller transactions to maximize the bonus points possible.

I also cashed out my Mypoints to earn gift certificates for stores where I would buy presents for others. That combined with coupons for those same retailers, resulted in presents for free but still at great deals!

Reply

Jen1012 December 25, 2009 at 1:51 am

I’ve made a point of putting every little bit of extra money that came my way into my savings account.

Reply

Chris D December 25, 2009 at 6:33 am

I used the google “shopping” link to find the best deals on all my x-mas gifts. Then I go directly to the online store to buy them without paying shipping and taxes.

Reply

Johannah B December 26, 2009 at 12:34 pm

Wow… just saw that I won. Thank YOU sooooo much.

Reply

Kam A December 26, 2009 at 4:41 pm

Thank you so much!!! I am SO excited to have won!! I have wanted one of these!!

Reply

Jeannie December 27, 2009 at 12:37 am

Yes, thank you too!! Best xmas present ever! :)

Reply

Cindi L December 27, 2009 at 4:33 pm

Cancelled all gift giving. Had a get together for all friends and family. They seemed to enjoy it very much.

Reply

Doreen January 3, 2010 at 2:55 pm

Oh I’m sooo bummed I didn’t win! :(

Reply

Leave a Comment

Previous post:

Next post: