Tag Archives: free

FREE Reese’s Peanut Butter Cups & $1.36 Stationary!

I’m always trying to take advantage of as many freebies as I can, and this week was no exception as I scored a few great deals that I wanted to share with you. I was able to snag some free Reese’s Peanut Butter Cups (a King Size nonetheless!), and some cheap stationary!

First off, let’s talk about the free Reese’s Peanut Butter Cups. Here on this blog before I have mentioned how I like to take advantage of my local gas station Sheetz’s loyalty reward card program, the MySheetz Card. They recently overhauled their program and made some changes. I didn’t know how I’d feel about it at first, but after getting to learn about it, I am enjoying the changes. It’s much like the Giant Food Stores program that I use, where you can load offers and deals on to your card. Before you would earn credits for certain items you purchased, and after so many you would earn a free one of that particular item. Now you earn points on everything you purchase, and you can use those points for a variety of rewards such as free hot dogs, free candy, free coffee, free drinks, free hoagies, and much more. It’s now all your choice what you use the rewards for.

Every so often, like they have always done, they also send you an email with a freebie that you can cash-in with no purchase necessary. This past week I received an email with a FREE King Size Reese’s Peanut Butter Cup candy bar! One night this week after my girlfriend was done with work, we stopped by and picked up our free candy bar! Let me tell you, after putting it in the refrigerator for a few hours (you gotta put your chocolate in the fridge!) it was the perfect end to the night! If you live in the Northeastern United States you can get more information on the MySheetz Card here.

For many years I have also been a member of the Staples Rewards program offered by, of course, Staples. I often get a variety of discounts and offers in the mail, but every so often they send what I consider the “holy grail of Staples offers,” a $10-off-$10 coupon. As long as you purchase full-price items (nothing on sale counts) you can literally spend as little as you wish over $10 and basically get everything for free. On this trip I was able to score some stationary for me and my girlfriend and only had to spend $1.36 out-of-pocket. Sometimes I’ll go
in and spend much more than $10 and get some stuff I was already in need of anyway, but this time I just took advantage. It’s good to spend more sometimes so you can keep getting the coupons in the mail. If you would like some more information on the Staples Rewards program you can find it here.

I mentioned Giant earlier, which is one of my favorite grocery stores, and I’ve got some good freebies there for this week already loaded on my card. I will try and share those here soon, or at least post them on the Ninja Ghost Investments Facebook page, which you can find here.

Bottom line is take advantage of rewards programs which offer freebies. You can try some of these examples I mentioned if you have any of these stores in your area, or just do some research on some of the programs your local stores offer. You just may be surprised! Thanks for reading and I’ll be back with more soon! If you have any questions or comments PLEASE leave them below!

Brent Ott

Save Money with Grocery Store & Gas Station FREEBIES & Reward Programs

My girlfriend and I have always been a big fan of both grocery store & gas station reward programs, in addition to others at restaurants, coffee shops, etc… We always will be regardless of how much money we may have saved, and you should be as well! Let’s face it, every penny and dollar saved really does add up.

I figured that I would share a recent haul with you, and I plan on doing more similar things in the future. Everything you see pictured comes from two of our favorite places for reward programs, Giant Food Stores & Sheetz Gas StationEverything cost only $6.01, including the lottery ticket which we had a “free ticket” winning ticket which we cashed in for! (Off of this one we won another free ticket!)

I really enjoy Giant first off because they have an online & app coupon program, in which you can load offers directly to your store reward card. They often send complete freebies which you can load. Usually there are certain dates which you need to load the offer by, and redeem the offer by, but it is well worth the effort especially for something completely free! Like most grocery store reward cards they also offer points you receive for certain dollar amounts spent, which you can redeem for gas rewards and other offers especially around the Holiday Season. We take advantage of several of these local programs.

Sheetz is similar, although different, and very unique for a gas station. First off, every so often they instantly load a complete freebie to your reward card, which usually you receive an email for in advance. They also offer earned freebies for every so many purchases of a particular item you make. One example is for every 10 coffees purchased you get one free. They have similar offers for salads, subs, and a variety of other items. Sheetz is unlike many other gas stations as they have a built-in Made-to-Order food section/restaurant in some locations.

This haul came the other night after I picked my girlfriend up and we were headed home. We decided to swing by both Giant & Sheetz quick, and spent maybe 45 minutes total in both locations before heading home. Here’s how the $6.01 haul broke down…….

  • Hershey’s Pudding: Regular priced $2.50 at Giant with $0.75 actual coupon and a $0.75 coupon loaded onto our card = $1
  • Campbell’s Yes! Soup: FREE with loading onto our Giant card!
  • Silk Cashew Milk: FREE with loading onto our Giant card!
  • Nature Valley Almond Butter Bisquits: Regular priced $2.50 ON SALE at Giant with $1 coupon loaded onto our card = $1.50
  • To-Go General Tso’s Chicken:  $3.51 not on sale, my girlfriend just wanted it! Happy girlfriend/wife, happy life!
  • Lottery Ticket: FREE with cashed in winning ticket. We don’t often play lottery, and I wouldn’t recommend doing so, but sometimes we give it a go anyway! You gotta live!
  • 16 oz. Coca-Cola: FREE with freebie loaded onto our Sheetz card!

As you see, total cost paid = $6.01!

Most of the time we just pick up freebies when we already were going grocery shopping, getting gas, or heading to whatever store the discount is for, but in this case the free soup was expiring that night so we made an exception. We religiously only try and do one shopping trip per week, at least for groceries. With running our individual businesses, a lot of the time we have several trips per week to make for various things.

Bottom line, don’t forget about using your local grocery store and other reward programs! Get the card, learn the rules, and don’t forget that in most cases you can stack actual physical coupons on top of the loaded ones for even greater savings! THANK YOU for reading, and if you have any questions, comments, suggestions, ANYTHING.. LEAVE THEM BELOW!

Thanks again!

Brent Ott

Track Your Credit Score Absolutely FREE of Charge with Credit Karma

There are many people (*cough* Dave Ramsey *cough*) that will tell you that your credit score is unimportant, that credit is a trap, credit cards are the devil, blah, blah, blah…. I am the opposite. Being different is something I enjoy!

Let me start by saying this: if you are the type of person who doesn’t take life seriously, think debt doesn’t matter, doesn’t know how to budget, constantly spends more than you make, well, you probably SHOULD stay away from credit all together. If you are someone who likes to look ahead towards the future, someone who plans for life’s emergencies and happenings, and someone who looks for little ways to make/save a buck or two, you SHOULD focus on credit. Every year since I pay my card balance in full every month, I literally get paid to use my cards. My favorite card, for example, offers 5% cash back on EVERY purchase I make. Do you get $5 for every $100 cash that you spend?!? ABSOLUTELY not!

One of the easiest ways I have found to focus on and grow your credit score is by using Credit Karma, which is an absolutely free service. No hidden fees, whatsoever! Signing up is quick and easy, and once you sign up you can log in and check your credit score free-of-charge anytime. An even better feature is that your score updates once per week, not once per month, etc.. like some of the other free sites out there.

When I was younger, I’ll admit, I didn’t understand credit. Like many teenagers and 20-somethings I had a few cards that I maxed out and got behind on payments with. If only I knew then what I know now! The simple fact is that if you want to easily be able to fund some of life’s biggest purchases like a new car or a house, having a high credit score is important. Yes, there are other ways, such as manual underwriting, to get a mortgage. However, these involve much more hassle.

When I started reading and learning about credit I realized many of the things that Credit Karma helps you manage and track such as your Credit Card Utilization (which should always be as low as possible), your Payment History (should always be 100%, don’t miss or be late on a payment!!!! EVER!), your Derogatory Marks (focus on paying off old debt! AT LEAST debt less than 7 years old!), and other factors.

When you begin logging into Credit Karma weekly and tracking your scores, magic begins to happen. You see that the things you are doing have direct impact on your scores. You start to focus on old debt, you begin better using your available credit and not spending it on unimportant things. I, for example, went from someone who credit companies wouldn’t even consider for a new card to someone who gets easily 10+ card offers in the mail per week. Now I don’t accept them all, or even hardly any of them, but the feeling of receiving them is just something that makes you know you are on the right track!

A big factor in your credit score are your Credit Inquiries. These are a little mark you get on your report every time someone runs your credit, such as when you apply for a new loan, apply for a new card, apply for a mortgage, etc.. The less you have each year, the better. If you have tons of them each year it makes you look like you are out of control in managing your credit. I personally usually only like to apply for maybe one or two things per year, if that. It depends on what is going on in my life. Currently I only have four credit cards, one car loan, and no mortgage (right now anyway, that will be changing this year, more on that soon!).

Bottom line, Credit Karma is awesome. I could go on and on with little tips and tricks to help grow your score, and I WILL do just that in future blog posts, but if you sign up for Credit Karma you will be able to learn them all for yourself right there, again, with ZERO hidden fees. So what are you waiting for? Go give it a shot at the following address: http://creditkarma.com

THANK YOU for reading this blog and if you have any questions or comments feel free to leave them below, I promise I will reply!

Brent Ott

My favorite site of 2016 and most recommended for 2017: Stockpile

Here at NinjaGhostInvestments.com I plan on sharing a lot of different websites, apps, programs, and more which I use in my daily life including my businesses. Some that I use daily, some that I am just trying, and those that I both enjoy and can’t stand. I want to share a wide variety of things with you.

Last year while searching for a new trading platform with low commission fees I came across Stockpile, and instantly fell in love. They sell individual gift cards for stock in-store, but beyond that they have a dedicated website which you can use to purchase stock much like TD Ameritrade or anywhere else. However, much UNLIKE the other guys all trades, to buy and sell, only cost 99 cents. You heard me right… 99 cents!

Really, the only drawback to me is that regardless of when you place the trade, they execute after the market closes that particular day. The cutoff time to purchase shares for the day is 3 PM ET. Besides that, most of the same features you likely love with other brokerages are there. You receive dividends (if the stocks you purchase offer them), stock prices update often while the market is open, you can enroll in a DRIP, you name it.

Here is the big kicker… you can actually purchase fractional shares! For example, if you wanted to buy Amazon stock, and didn’t have the current near $800-per share to invest, no worries. You can purchase any amount. $25 worth? $50 worth? $126.72 worth?! No problem! This is a great way for both beginner and more experienced investors to get a piece of any company they desire, while not breaking the bank. Stocks that traditionally you may not be able to afford, you now can, and over time you can stockpile quite a bit of it if you keep purchasing.

I am a proud Android user (sorry Apple peeps) and also have nothing but the best of things to say about the available Stockpile app. If you ARE an Apple person, no worries, there’s also an IOS app. Features include your updated portfolio, charts/history of the stocks you own, news tidbits, and much more.

I highly recommend you all giving Stockpile a try if you are interested in trying a new brokerage to invest with. Here’s another great thing… you can open your account with no minimum balance!

Right now they are also offering a great deal for new accounts, through my unique referral link. If you open an account now, you will receive $5 of free stock with your first $10 purchase. Just $10! You honestly can’t beat that, and I assure you, once you try it, you’ll likely love it. Really, what do you have to lose? 99 cents!? You can’t buy a (decent) coffee for that! To get started right now follow this link: http://mbsy.co/gtmd6

This year I plan on trying some new similar brokerages and apps, and I’ll be sharing my experiences with those as well. I already use a few other newer companies, including one amazing financial firm I also swear by, which I’ll be sharing soon. Until next time, thank you for reading, if you have any questions or comments leave a message below, and enjoy the rest of your day!

Thanks,

Brent Ott