Note: I’m not a citizen, but I’ve been living in the US long enough to be considered a resident alien for tax purposes. On my visa, I cannot work any job that’s not directly related to my major in grad school (IT/computer science), but I can invest in the stock market.

Section One: Assets and Debt

Net Worth: from -$13,603.63 (Jan 2020) to $9,605.97 (Jan 2021)
Retirement Balance: $16,000 in my 401(K).
I only started working 2 years ago and my company messed up my registration so they basically didn’t put any money into it my first year there (I found out in horror and they gave me around $1,000 to say sorry…). I contribute 9% and my company matches 3%.
Savings account balance: $2,500
I have $2,500 set aside as my “emergency fund”, and I’m building back my vacation & study abroad budgets after having to tap into them for a move. My job is very stable and I won't be let go any time soon (unless I quit myself) so I’m not setting aside a big emergency fund for now.
Checking account balance: $3,111.01
Investment account: $1,500 in some stocks.
I initially dumped half of my 2019 bonus and some monthly contributions (totaling around $4,000) to this account to test strategies. This was my “study fund” and I didn’t care if I’d lose it all. I grew the account to around $10,000 and withdrew almost everything (that went to all the fees I had to pay to break my lease, my brother’s lease, deposit, moving expenses, and new furniture) and left $1,500 worth of stocks in there right now.
Credit card debt: $2,243.76 on my BestBuy card and PayPal Credit.
I had the money to pay for the items in full but they offered X months interest-free and I wanted to throw money into my debts instead. I always pay off all balances well before the deadline. I also pay all my credit cards in full and have never paid any interest.
Student loan debt: $11,046.09 left on my $20,000 loans at 8% for my BA in Biology and Statistics. Day 1 of arriving in the US, they sat us down, handed each of us a pen, and said hey kids here are the terms of your 8% loans, sign the documents now! I just turned 17, didn't even know I had to pay this money back, and remembered thinking "Is 8% a lot?" That's how clueless I was.
As a non-citizen, I will never have them canceled, so my plan was to tackle this as soon as possible and I started paying more aggressively until they made it 0% interest since Q4 last year.
Car loan: $4,900 left on my $10,000 loan at 8.9%. I didn’t have a long credit history when I bought the car (September 2019) since I only got my first credit card after graduation, so the rate was terrible. I’m planning to pay this all off after my bonus comes in March.

Section Two: Income

Income Progression:
2012 - 2016: I had multiple student on-campus jobs all throughout my undergrad, making from $7.25 to $10/hour. After graduation, I couldn't find any job directly related to my majors within 3 months (I had only been searching for Bio lab work), ran out of money, and had to go back home. Honestly, I didn't want to keep doing science either and was very lost back then.
2017: My first full-time job was being a tutor for a private college prep institution when I went back to my home country to “figure out what I wanted to do with my life.” They paid pretty well for the standards of living there ($1,000/mo). I worked that job while self-studying how to code and data science courses on the side and preparing my grad school applications.
2019: I got a job at my current company a semester before I graduated from my MS in Data Science program. This was my first “big girl job.” I started out at $64,000 and couldn’t work for 2 months due to complications in my visa processes so that ate up all my savings that year. By the end of the year, they bumped my salary up to $76,000 and we also had an annual 3% raise, so in total $78,280 + 5% bonus.
2020: One of my teammates left and one thing led to another, I got a title change from Data Analyst to Data Scientist towards the end of the year. I asked for a raise and they bumped it to $96,000 + 5% bonus.
2021: After our annual 3% raise my salary is now $98,880 (+ at least 5% bonus). I think I’m slightly underpaid, but this job is very low-stress and flexible (especially after we WFH).
Main Job Monthly Take Home: $5,082.58
Taken from my last paychecks (before the annual raise)
Gross salary: $8,000
Tax: $2,081.68
401(k) deduction: $720
Health insurance: $115.74

Section Three: Expenses

Rent & renter’s insurance: $935 for my share for a 2bed/3bath condo. My parents pay a flat $700/mo for my brother’s share. He recently moved here since his school went virtual until at least the end of this semester and our family wanted us to be nearby to take care of each other.
Savings contribution: $900
Investment contribution: $420, but will increase once my car loan is paid off.
Debt payments:

• $1,000 on car loan until paid off.
• $200.13 minimum on student loans for now at 0% interest, will increase to $1,100 when car loan is paid off.
• $300 for Best Buy & PayPal Credit promotional deals

Car insurance: $127.01 ($762.05 paid in full every 6 months)
Car registration: $25 ($300 annual)
Donations: $20 monthly (ASPCA), plus several hundreds throughout the year (last year I donated to BLM orgs and local animal shelters)
Gas: $0. I drive an electric car. Charging probably drives up my electric bill by a bit, but still cheaper than gas. Also, this means no car maintenance at all until my car battery dies, which probably won’t happen in the next 5 years.
Utilities (electric, natural gas): ~$150
Wifi: $40
Cellphone: $10.61 ($108.66 for 6 months and I got a $45 credit from my bank)
Groceries: $500 (for 2 people)
Subscriptions: $20 (HP Ink, shared Netflix account, YNAB, Disney+)
Pet expenses: ~$20 for wet cat food
Personal care/hobby: I collect perfumes. Between makeup, skincare, clothes (which I had planned to stop buying this year) and perfume bottles and samples (the majority of my "personal care" expenses...), I averaged $400/mo last year. Without the makeup, skincare and clothes, I budget $150/mo this year for my fragrance hobby.
Household supplies: $30
Education: $30 (language/technical textbooks, Udemy/Coursera)
Gifts: $30
Credit card fee: $21 ($250 annual)

Section Four: Background

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Education is one of the top priorities in our household and this has been instilled in my mind since I was a kid. Perhaps because my grandparents were both professors and my parents both attended grad school, it was expected of us to have at least a bachelor's degree. With that said, my family tried to support our higher education financially as best they could and I'm very thankful for it. During undergrad, I had need-based financial aid and on-campus jobs, and my parents helped with the rest of my tuition. I still had to take (required by the school) a $20,000 loan. My grandmother helped pay for my 2-year master's program.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
During high school, I had a measly weekly allowance and my dad had me write out all the transactions in a notebook. I thought it was very silly back then but now thinking back, it was probably some good practice. Other than that, they didn't talk about money at all, and I was absolutely clueless and wasn't interested in personal finance until a couple of years ago. I don't remember how but I think I woke up one day and decided to read every book about personal finance I could find and now I do talk with my dad about finances.
What was your first job and why did you get it?
My first job was washing dishes as a student worker! We all had to do it our freshman year before we were allowed to find other jobs. I managed to find 3 other jobs (stage crew, sports event worker, and math tutor) and stayed with all of them for 3 years.
Did you worry about money growing up?
Even though our parents never let on to us about their finances, they made sure that we'd grow up comfortable financially, so I didn't worry because I didn't know anything.
Do you worry about money now?
Yes. As I grew up, I came to learn more about my parents' financial situation and realized that they've sacrificed a lot for us. I had the majority of my college tuition supported by the school, but my brother doesn't, and tuition in the US isn't cheap, especially when you convert it to our local currency. I also never know for how long I can stay in the US and keep making the same kind of money I'm making now so I'm trying my best to pay down the student loans ASAP.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I became fully financially responsible for myself when I started working at my current company. Before that my student worker jobs paid for my personal expenses in college but my parents still chipped in for tuition. I guess my family back home is my safety net but personally, I wouldn't ask them for help even if bad things happen to me in the future.
Do you or have you ever received passive or inherited income? If yes, please explain.
Nope.

Diary

Day 1 (Thursday) - $3.35

• Alexa wakes me up and turns the light on. I change into my work clothes and head downstairs to my “office.” My boss starts our daily standup call, talking about what we did yesterday and what we plan for the day.
• I have my annual review meeting. Everything goes well and my bosses are very pleased with what I’ve done, especially after I transitioned into my new title as a Data Scientist, which honestly brought me more fulfillment in my job as well. We talk about our annual bonus and raise, which I already expected. It’s not a lot of money but hey any money is money and I’m not saying no.
• Some people bought my photocards so I gather all the orders and purchase a shipping label since 1 order is with tracked shipping. (Don’t ask me how this works but I’m a K-pop fan and we collect expensive cardboards. Depending on the popularity of the member of the group, profit margins can go up to 400%.) I head to the post office and drop off all the packages ($3.35)
• I’ve been waiting for the mailman all day and he finally comes! I’ve been working from home for almost a year now and my back pain is starting to kill me so I decided to “invest” in a $400 chair with lumbar and neck support. My cat happily takes the other chair and starts claiming her territory on it.

Day 2 (Friday) - $206.24

• I wake up on cue at Alexa’s daily briefing. Half an hour passes while I ponder on a perfume sample set I saw in someone’s fragrance collection on Reddit.
• I eventually give in and purchase the Zoologist sample set ($120.24). It’s within my budget this month, I’ve been eyeing this one for some time now and I can resell it for 80% value once I’m done testing them, so it’s not a huge loss anyway.
• Late lunch today. I make a quick lunch with sausages and keto toasts and quickly finish it while watching some YouTube videos on personal finance and updates on $GME (no I did not buy any shares).
• When in doubt, throw every leftover food in your fridge in a pan and make fried rice. Side dish is sweet and sour tomato and egg “cloud soup.” Then we have our weekly family video call with my parents back in my home country.
• I go down the YouTube rabbit hole again and buy 2 more perfume sample sets ($86.00). All the purchases today (~50 samples) would probably take me months to try out so I promise myself no more until next quarter as I click the pay button.

Day 3 (Saturday) - $71.27

• I wake up at 8:45 am and laze around for half an hour, scrolling down Twitter and answering my friend’s questions on how to enter the stock market. Today is my cheat day (I have one every 2-3 weeks), so I contemplate if I should order delivery for lunch. I check YNAB and decide that it’s too expensive, so I go downstairs to make myself a hearty breakfast with a latte, half a croissant, grilled chicken breasts, and snack on some shrimp crackers and tangerines.
• I purchase a shipping label ($3.22) and head out to the post office. For some reason I want to smell like a lemon cake today, so I spritz on Xerjoff Lira, put on sunscreen, and head out. This perfume always makes me feel so warm and delicious.
• I spend the whole afternoon catching up with my Chinese and Korean lessons for the week.
• Suddenly craving some instant noodles, so I immediately get up and head to a local Asian grocery store to shop for instant and pho noodles (I’m planning to make pho for Lunar New Year) and some snacks for my brother ($38.71). We drop by a bubble tea shop nearby and get bubble tea and 2 dessert cakes ($19.71). I usually don’t drink sugary drinks, but since it’s my cheat day, I put in an order and pay for the both of us.
• Some more PC orders came in and they’re all with tracked shipping. The post office is closed tomorrow but I’ll just pay now for the shipping labels so that I won’t forget ($9.63).

Day 4 (Sunday) - $0.00

• I literally do nothing today until 4 pm.
• I make dinner, then finish my Chinese lesson and review the flashcards I made yesterday. That’s enough activity for the day.
• One of my friends calls to show me her album haul of the day and I'm tempted, but (fortunately?) there's no kpop store in my city so I make myself forget about buying any more albums.

Day 5 (Monday) - $40.10

• I wake up with a headache, not feeling too well, so I request a day off and message my boss. I can’t go back to sleep, so I just lie there in bed for a couple of hours. I suddenly remember that WandaVision is on air, and there are a couple of movies on there I haven’t watched yet, so I subscribe to Disney+ ($7.52) and start binge-watching.
• We ran out of soft drinks for my brother, so I have to drive to Costco again after lunch ($32.58). I also need to drop off all the orders that came in over the weekend.
• I go to my old apartment for my move-out inspection (I haven't been living there since December but still had to honor the 2-month notice and pay for all the rent). There are a couple of spots that might cost me some deductions in my deposit. Sigh. At least I get to tell them to remove the charges on my lease for February, and they assure me that they will.
• I finish binge-watching some movies on Disney+. I see Colourpop is advertising some Valentine’s Day palettes on my feed. I do not need those, I do not need those, I do not need those. I should’ve just unfollowed makeup brands on social media. Some more late-night scrolling, and then I finally go to sleep.

Day 6 (Tuesday) - $8.02

• I wake up groggily, still feeling a bit sick. We have a late standup today, so I take my time making my coffee and start working, as my cat also settles in on my lap and starts napping. My head is still aching and I'm not sure if it's the cold or just keto flu so I load up on electrolytes, fish oil, and acetaminophen just in case.
• Somebody lowballed me on one of my postings. Ugh I hate it when they do this, but this one is not selling too well, so I meet them halfway. I purchase another shipping label ($3.03).
• Today is our bi-monthly deployment date, which means all the engineers (and anyone who has committed changes in our codebase) meet up and sit around until all the merges are deployed into production. I had some changes last week so I just sit there and do my own work until it's my turn. My boss told me this morning he had some test API from one of our new clients so I go to check out some of the data there. Oh how I love me some messy, messy data that nobody knows what to do with.
• The repair guy who came to fix our washing machine doesn't leave until 5:15 pm so I drop by the post office late, but just in time as they're collecting the mail! Then I drop by a nearby (rather upscale) grocery store as I'm running out of heavy cream, but everything is so expensive. I compare price per oz and pick up the coffee creamer instead ($4.99).
• I heat up the cauliflower rice and leftover curry and eat dinner as I watch Coco (I can't believe I've never actually watched it!) Then I review my Chinese flashcards for a bit, do half an hour of Just Dance until I sweat, play with my cat, and call it a day.

Day 7 (Wednesday) - $3.49

• I stayed up quite late yesterday playing a mobile game and finally wake up after snoozing the alarm for the 84th time. My boss starts our standup at our usual time; there's nothing urgent or pressing today so I just take my time. I take a quick nap in the afternoon and go back to work.
• I use the last drops of avocado oil to fry up some bulgogi for dinner. Need to go back to Costco for more avocado oil tomorrow, I guess.
• After dinner, a friend asks me about perfume samples that she wants to try. I go online to search for them but no dice since they belong to a new collection that only got launched in Europe. I take this time to try out some similar smelling samples in my collection as well.
• I review my Chinese flashcards and do some workbook exercises. After an hour, my brain is fried on Chinese but I don't want to go to bed yet, so I pick up a book on my bookcase that I was reading a while ago (A Random Walk Down Wall Street) and read one more chapter.
• An order came in so I purchase another shipping label ($3.49), update my budgeting app for a bit, and then head to bed.

Summary

​

Category	Amount	Note
Food & Drink	$95.99	Groceries
Fun / Entertainment	$7.52	Disney+ subscription
Home & Health	$0.00
Clothes & Beauty	$206.24	Perfume samples
Other*	$22.72	Shipping labels
Total	$309.75	shipping labels not included

*I don’t count the shipping labels as expenses because they’re already factored into the profits I made from my sales, but I included them anyway because they're still charges on my accounts. Any profit goes back to funding my album purchases so... I guess it's a vicious cycle.
Overall, a pretty normal week for me in terms of food. I don’t eat out often (I allow myself only one meal and one dessert every month) and have used up my 1 dessert allowance this week so I probably won't have any more this month. I might’ve gone overboard with the perfume purchases this week, but tbh perfumes bring me joy. My mood is lifted and I'm transported to old and new places every time I put on a perfume that I enjoy, so for me, it’s worth it. I try to be frugal whenever I can, but I'll never skimp on education and hobbies that make me happy. Writing this week-long diary, I realize I need to get back to working out, though. I'll probably have to stop procrastinating and pull out my RingFit gears still inside the moving boxes. Playing Just Dance also makes me miss dancing so bad as I used to be active in several dance crews since college (but stopped after I started working full time). I'll try to stick to Just Dance for now to get my cardio until Covid is over and I can get back to in-person dance classes.

Title: I am 35 years old, I made $67,665 gross last year (between multiple jobs) and live in Buffalo and work in higher education and retail.
This is my 5th MD update. Previous MDs in June 2019, October 2019, February 2020, and July 2020.
Ref29 questions:
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. Both of my parents have bachelors degrees, and it wasn’t even a conversation of “if” I was going to college, but “where”. I ended up going to a private 4-year college, with a 75% merit scholarship. I was able to pay for the first semester with savings bonds/general savings, but took out loans for the remaining semesters. I worked 2 on campus jobs (tour guide and TA), plus at a coffee shop - this was more for spending money/gas etc. Looking back, I wish that I had put more of that income aside for paying for school, but I was definitely headlong into the student loan trap of “it’s ok, this is good debt….blah blah.”
I thought that i had the exact idea of what I wanted to do for a career - and that basically required a masters degree - so I went straight to grad school after undergrad. Private - and took out the maximum student loans for both years. I cannot stress what a terrible financial idea this was. The last half of my MA was in DC, so I used the loans for rent/food, as I had a full time unpaid internship. Long story short, what I thought was my career goal wasn’t.
I am FINALLY nearly done paying off my loans. If I had to go back and give my past self advice, it would have been to not go to grad school directly after undergrad. I still might have gotten my masters, but I would have done it in a much more financially responsible way.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
We had conversations growing up - but it was much more of a conversation now that I’m an adult. I’ve noted in past MDs, but my parents have told us that they regret not being able to help us all more as teenagers/college/young adults, so they’ve been extremely supportive of my focus on debt repayment.
Did you worry about money growing up?
Not really. I remember being conscious about it - we didn’t have new cars (EVER - like it’s still a thing), and we used coupons/budgets/bulk freezer meals for shopping, but I think a portion of that was that there were 4 of us kids. We were all involved in a variety of extracurricular activities as well, but I don’t remember even being like, limited or restricted from doing anything.
Do you worry about money now?
Absolutely.
While I am noting that I’m making progress, it is still very overwhelming. It’s really hard for me not to beat myself up when I either buy “treats” or things that aren’t really treats, but are just home comforts. I finally bought myself 2 sets (!) of decent sheets this past month after having 1 set of crappy sheets for the last 2 years lol. I still have so much work to do, on debt repayment, fully funding my emergency fund, and (massive goal here) saving for a down payment on a house.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I would say I was financially responsible for myself when I moved for grad school in the fall of 2008 (so when I was 22/23).
That being said, I definitely have had a financial safety net - my parents always assisted with grocery money if I needed it - when I was married, that definitely was not only a safety net, but also got me in a lot of bad habits.
Since my divorce, my parents have assisted with cell phone, car insurance, and letting me live with them for a few months when I moved back to the US. I know that if something happened, they would absolutely assist with a place to live if I needed it.
Do you or have you ever received passive or inherited income? If yes, please explain.
As previous MDs have noted, my parents have assisted with assorted checks when my dad got a bonus, and they have always been extremely generous with holiday $.
Section One: Assets and Debt
Retirement Balance (and how you got there): $33,194.67 (up from $23,800 in February 2020)
This is a combo of Stash Retire ($1721.52), 401K from a previous job ($17,330.01), retirement accounts from my current job ($2807.58 in my optional IRA to which I contribute extra; $2947.46 in the basic retirement plan, to which my employer contributes 7%), and TSP from a previous job ($8,388.10).
Savings account balance: $1000
Checking account balance: $1381.07 (at the start of the money diary)
Credit card debt (and how you accumulated it): $7,558.08 (focus has been more on student loans, plus I am a bit guilty of using it at random points) (down from $19,556 in June 2019).
Student loan debt (for what degree): Current remaining balance is $972.57!!!!! This is down from $23,645.37 in June 2019) (combined loans for undergraduate and graduate degrees in International Relations. To give you an idea of how much I’ve paid off - I’ve paid $118,297.81 off up to this point).
*note: December was a PHENOMENAL debt payment month for me (just over $4k).
Section Two: Income
Main Job Monthly Take Home: $2847.53
*after using the IRS refund calculator, it became clear that I was expecting a much higher refund, so I stopped having extra withheld. Eventually I’ll get the hang of it.
Side Gig Monthly Take Home: $1442.72 (average monthly take home August-December 2020)
My retail job fully reopened, and I also applied for, and got a promotion, which meant both an hourly raise and more hours)
Any Other Monthly Income Here:

• Christmas $ from Mom & Dad - $1000
• Stimulus Checks - $1200 + $600 (Both of these went mainly to debt repayment)

Section Three: Expenses
Rent / Mortgage $980.00/month (+ $3.95 service charge when I pay online) (no change)
Retirement contribution: $115.58/month Roth IRA from work + $80.00/month into Stash Retire (no change)
Savings contribution: $0/month (Debt payments are the priority)
Investment contribution: None
Health/Dental/Vision Insurance: $76.38/month (Through work, it gets taken out biweekly)
FSA contribution: $27.78 biweekly (I set my annual contribution at $750 this year, up from $600)
Debt payments
Student Loan minimums: $55.54 is strictly the minimum for my FINAL (!!!) student loan, but as you all know by now, I have been attacking these with a vengeance and plan on this being gone no later than March.
Credit Card minimums: Avg. Monthly Payment $300. (as mentioned in the debt section, I have slipped slightly on allowing myself to use the credit card, but still have been able to lower my overall amount)
Wifi/Cable/Landline: $64.99/month
Cellphone: Still on the parental plan, but will be transitioning off. I’m shopping around and have started to budget.
Subscriptions: Apple storage - $2.99/month; Netflix- $8.99; (even though I’ve been able to be at home much much more, we still get a monthly barkbox for the toys; Spotify Premium - $9.99/month. Headspace - $14.99/month. Renaissance Periodization - $16.19/month
Laundry (if you pay per load): $40/month. I put aside $10 per paycheck.
Gym membership $75/month - I budget this much for my ROMWOD and Movement Vault monthly subscriptions. This also covers my monthly subscription for my WHOOP band. My retail side gig also provides $225/month to work out. This covers my monthly membership to my crossfit gym, as well as extra megaformer classes. $32.63/month for WHOOP; $13.95/month for ROMWOD; $9.99/month for Movement vault
Pet expenses: $150/month - includes pet insurance. This is what I put into my budget for insurance, food, grooming etc.) Barkbox 31.54/month; Pet insurance $79.24
Car payment / insurance / average gas:$100/month (as my dad plans on retiring within the next year, he will be signing over my car to me, meaning that I will be taking on my insurance. I fully acknowledge that this has been nice to not have to worry about, and that my parents have been absolutely amazing. The current annual insurance for my car looks like it will be around $450. Future money diaries will take this into account.
Renter insurance: $12.50/month
Average groceries / household supply spend; Looking at YNAB, my average spend has been just over $700/month. This seems insanely high for one person, but I do also follow a RP meal plan, meaning that I tend to eat A LOT to fuel my workouts. I also haven’t gone out basically at all ….
Regular therapy: N/A
Charitable Giving: $75/avg. August-Dec 2020 (Much of this was “rage” donating in the run up to the election)
Annual Expenses:
YNAB (You Need A Budget): $83.99/year
NB: Anytime I leave my house, I am masked, including gym visits. It’s honestly not terrible once you find a mask that works for you!
Day 1: Friday
5:45am: Alarm goes off and I get up to put the kettle on to start coffee. Today is a weigh in and weekly review for my meal/training plan, so I enter my numbers and see what my upcoming week will look like as far as my macros. I notice that my chest/shoulder are sore, and hurt when I take a deep breath, but assume that I just slept on my arm wrong. I take out the dog, feed him, and head out to my weightlifting class.
7:30am: Nope, not just sleeping on it wrong. I make it through the lifting portion, but when we start the metcon, I have to stop because it hurts too much to take a really deep breath, instead stretching and cheering everyone else on. Annoyed, but hopefully it’s nothing too crazy. I think it’s just a strain from my muscle up drills the day before. Once I get home, I make breakfast - a savory oatmeal with oats, cheese, chicken sausage, egg whites, and mushrooms, topped with a fried egg and za’atar seasoning from Trader Joe’s. YUM. I log into work and get settled in for a 2 hour (ugh) staff meeting.
11:00am: Finally done with that. Thank goodness for my camera getting to be off. I take a shower and get into “work” clothes - aka lululemon from top to bottom (align leggings, ebb to street crop tank, and a sit in lotus wrap). Back to work until it’s time for lunch, which I have just after noon (rice, sweet potatoes, bell peppers, and ground beef, topped with avocado). Work continues afterwards.
2:00pm: Time for work #2! It’s a fairly uneventful (and slow) afternoon/evening, which is ok after the craziness of the holiday season. And I only have to tell 2 people to put their masks on over their nose and they don’t give me an attitude - woohoo! Around 5 I eat my food on my 10 minute break - another taco-ish bowl, just without the avocado from earlier. I get out from work at 7:30pm.
8:00pm: Home, take the pooch out and feed him and make my casein hot chocolate (casein protein is a slower digesting type vs. whey and it’s my evening “meal” most of the time) plus a couple dark chocolate peanut butter cups. I facetime my Mom briefly and then we each put on our respective Star Wars shows - she and my Dad are watching the Mandolorian (they just got Disney+), and I’m deep into season 4 of the Clone Wars. Bedtime routine starts at 9:30 with a couple of melatonin gummies and I brush my teeth and wash my face (eye makeup remover, then Neutrogena foaming cleanser, and a nighttime moisturizer from Aldi). Snuggle up with the dog and a heating pad with a Headspace night sounds playing.
Daily Total: $0
Day 2: Saturday
5:50am: NO. It’s like 30 minutes before I want to wake up...NO.
6:10am: Uggggggh
6:20am: FINE. Dog outside, then fed. I make coffee and another savory oatmeal (AMAZING - same as yesterday, just no bell peppers). Catch up on podcasts and my YNAB budget. In happiest news, I can take a full big breath without that weird pain from yesterday! Yay!
10:00am: Home from my workout, which went amazingly - I love a good long chipper of a workout! I take the dog out for a little cold weather walk and then make my post-workout meal - Kodiak chocolate chip pancakes with blueberries! (use 1 egg and almond milk to make the pancakes and it fits my post-workout macros: 35P, 10F, 65C). I follow this with a cuddle session with the dog while watching Marple episodes and drinking coffee. I also add items to my lululemon shopping cart and exit out of it before I can spend money. While I get a great discount (especially on markdowns), I know I don’t really NEED anything, so I don’t get anything.
1:00pm: Off to the mall for work. I stop on the way to fill the gas tank ($25). It’s a busy day, but a good one - during my break I eat my taco bowl (rice, sweet potatoes, ground beef, peppers and avocado). I work until 7:30pm.
8:00pm: Home, dog out, casein hot chocolate - the usual. I’m nothing if not a creature of habit. I pull out a Trader Joe’s chocolate croissant to prove overnight in the oven. Bedtime is around 10pm.
Daily Total: $25
Day 3: Sunday
7:50am: Whoooops, I intended to wake up around 7:15, but I didn’t actually set the alarm. Luckily the dog wakes me up with a polite whine - I take him out, make coffee and a bowl of oatmeal (oats, almond milk, egg whites, topped with blueberries), and head to my workout around 9.
11:00am: 2 workout classes later, I’m home - post workout meal is the aforementioned chocolate croissant, and a little egg scramble of egg whites, mushrooms, chicken sausage and broccoli. The afternoon is spent with old Miss Marple episodes on Amazon Prime, combined with laundry and apartment cleaning.
3:00pm: I made a quick loaf of bread (2 hrs of rising, then shaping) and put it in the oven. Happily it turns out pretty damn tasty - I make Trader Joe’s Cippino (seafood soup) and have that with toasted fresh bread around 4/4:30pm. A Clone Wars marathon ensues - the Bills are playing in the AFC championship tonight, so the city is basically a giant ball of nerves. I don’t watch the games (and haven’t all season - mostly because I don’t have all the apps/cable), but I follow the score on my phone while watching many (MANY) episodes of Clone Wars. I facetime my mom and dad around 7 after they finish the Mandolorian and we can all squeal with excitement.
9:00pm: Melatonin gummies, contacts out, teeth brushed, face washed, bedtime.
Daily Total: $0
Day 4: Monday
5:45am: Awake, coffee, take the dog out, head to crossfit.
7:30am: Home, dog out again, then breakfast (homemade toast, everything but the bagel smoked salmon, scrambled egg+egg whites) and more coffee. I login to work at 8am, and get the morning podcasts going (Up First, the Daily, Post Reports, the Intelligence).
10:00am: I place a Target pickup order for the snacks for our break area at the mall (seltzer, peanut butter crackers, cookies, granola bars - all single serving packs). I will be reimbursed for this by the store. ($39.57 - I get a notice that an item isn’t available after I place the order...oh well)
11:00am: I’m traveling out of state for a couple of days - it’s a long awaited tattoo coverup (don’t get a tattoo for a significant other….I knew not to do this...and yet I still did), so I make my list of items to pack and things to remember to do (take out trash, do all my dishes, etc). I will be driving to my destination (Indiana), staying at a hotel by myself, going to the tattoo shop (masked), and back to the hotel. Not telling friends I’m there, not going out anywhere. And I’ve scheduled a test for 4 days after my return, per NYS rules. If I could make the drive nonstop, I would, but your girl isn’t giving herself a UTI lol. I’ll be masked and sanitized anytime I step out of my vehicle. Still super nervous, but getting this tattoo covered up is like….the final FINAL step. I also take a shower (finally, yes I’m gross and have been sitting in my workout clothes since I got home - god help me if I ever live with a human again lol).
2:00pm: Time for head out for work! On the way, I pick up my previously mentioned Target order, and also pick up meals for my trip from a local meal prep place - I get a bunch of great stuff (2 breakfasts, 2 dinners, 1 lunch plus energy bites for the car), plus it means that I can just hermit it up in the hotel room apart from the actual tattoo appointment. ($62.68). I get to the mall early before my shift starts - since I know I’ll have a tub in the hotel room, and I don’t have one in my apartment, I get a couple of bath bombs and lotion from Lush ($25.93) and a whole bunch of sheet masks from Sephora ($25.01). Then time for work - It’s a fairly quick shift, which is nice, not too terribly busy and we get a lot done. And people at the mall are generally not pills today - epic win!
8:15pm: Home from work - take the dog out and have a little evening meal of homemade soup from my co-worker (it’s a kale sausage soup her husband makes and it is AMAZING) and the rest of my homemade bread. I finish packing up and the poor pup definitely knows something is up. Bedtime around 10pm.
Daily Total: $153.19
Day 5: Tuesday
5:45am: Alarm, dog, coffee. Rather than dirtying dishes, I heat up one of the prepped breakfasts I brought (a breakfast sandwich with chicken, which is actually quite tasty - plus some blueberries). I get the car loaded up with my stuff and the dog - he’s staying with my parents while I’m gone - and head out by 7:15am. After I drop him off I top off my gas tank ($14.10), and also get a couple of bubly waters and a can of death wish coffee for the road ($6.25).
12:00pm: Lunch stop at panera - fuji apple chicken salad and a cup of chicken noodle soup - drive thru and eaten in the car ($10.94, but I have a gift card). Road Trip Podcasts: You’re Wrong About and Noble Blood.
3:00pm: Gas stop (there’s also a few bathroom stops, but since I didn’t spend anything, it’s not terribly relevant, right? :) ) ($27.01).
5:30pm: Arrival! Check in to the hotel - masked front desk employee, check. Bring my stuff up to my room, and jackpot - biiiiiiiiig tub. Looks like those bath bombs were a solid choice! Open up the work laptop to see if there is anything urgent - nothing crazy - and decide which meal I want for dinner. Bourbon Chicken with Broccoli and Sweet Potatoes it is. Plus a Sparkling Apple Cider vinegar beverage (ginger and lemon) from Trader Joes. Before I eat, I do a lower body focused stretching routine from ROMWOD since I spent so long in the car.
7:30pm: Bath Bomb, Face Mask, Feet Mask, and finished Night Stalker on Netflix. Since I’ll be quarantining until I get a negative COVID test after my trip, I order 10 meals through the same meal prep company that I got my travel meals from ($88.43 - includes both delivery fee and tip). They will be delivered on Sunday.
Daily Total: $146.73
Day 6: Wednesday
6:00am - I had intended to sleep longer, but my body is like - nope, you’re waking up at the same time no matter what. Coffee (keurig in the hotel room - ick) plus a prepped breakfast (a goat cheese egg white scramble with sweet potatoes - which is delicious). Morning podcasts and I open up the work laptop. Since I’m awake I guess.
7:30am: Hotel room workout - I do yesterday’s workout from my gym, with a few modifications, but it still feels great to move after sitting in the car for so long! Shower afterwards, then food (Mexican Taco Bowl!) and work.
10:30am: Squuuuueeee it’s time for my tattoo. I double mask up, drive through for a Starbucks order ($4.74 - paid for on my Starbucks app with previously loaded funds) and head to the shop! I already paid my deposit and took advantage of a gift card sale before Christmas so I don’t owe anything additional today. We do linework, shading, and partial color. It’s going to take 2 appointments to do the full thing, so we make my next appointment for May (augh, I cannot wait!). My coverup is over black text, so a cover up involves a LOT of layering of color. I’m impressed that I still have stamina after not getting a tattoo for nearly 3 years.This is going to be BEAUTIFUL.
2:30pm: After my tattoo appointment, I make a quick stop at CVS (still double masked!) to pick up aquaphor, orange dial soap, ibuprofen, and toothpaste (cause naturally that’s the one thing I forgot to pack - d’oh) ($22.00). I make a curbside pickup order for Panera - another soup and salad combo ($10.55 - again paid for with gift cards!). I head back to my hotel room, eat, put on more podcasts (Planet Money, Can He Do That, Code Switch) and log onto work. An uneventful afternoon follows.
6:00pm: Facetime call with my mom, then dinner and various true crime documentaries on Netflix and Pinterest browsing because as per usual, now I want allll the tattoos. I also put in an order for a grocery pickup on my way home (coffee, coffee creamer, fruit, etc) ($66.82). I try to make a testing appointment through NYS for my return COVID test on Monday, but the automated system keeps putting me in the first available, which is Friday….I’ll try to schedule again on Friday so that the timing works. Bedtime tattoo routine of wash, aquaphor and ibuprofen, as well as a sheet face mask. Sleep around 10:00pm.
Daily Total: $104.11
Day 7: Thursday
6:00am: Welp, up and at em! I finish packing all my stuff, check out of the hotel and warm up the car. I head out around 7:00am. Top off the gas tank ($12.80) and I also add $15 to my Starbucks card and drive thru a Starbucks (Spinach Feta Wrap + Cafe Misto with almond milk). Then it’s time for podcasts and lots of driving. My mom had suggested a podcast from Serial - S*%*Town. IT’S AMAZING and this drive has never gone so fast!
11:00am: (or sometime around this time) Stop for gas ($27.01) and another Starbucks stop ($15 reload) to get another misto, a bottle of water, and a fruit/cheese/hard boiled egg box.
3:00pm: I was going to try to make it all the way without stopping for anything else, but my stomach is about to eat itself. I stop at a Tim Hortons about 45 minutes away from my parents’ house and get timbits and a hot chocolate (which is gross) ($6.66 - eeep). I get to my parents’ house - my mom and dad stay upstairs and in the basement respectively while I use the bathroom and retrieve a very happy pup. Once I get everything out to the car, my mom and dad come outside (double masked, as am I) and we quickly wave and air hug from a distance. On the way home, I drive through the grocery pickup and get my groceries.
5:30pm: Finally home. The dog is very happy to be home too - my mom said when she would come into the bedroom where he was, he would look at her and be - “oh…..just you…”. Such a momma’s boy :) Dinner is actual food (the rest of the kale sausage soup). I also put together a batch of cranberry almond biscotti (based off the Ina Garten cherry pistachio biscotti) - the apartment smells delicious. Settling in for post-travel isolation lol.
9:30pm: Melatonin gummies, tattoo upkeep, and then bedtime with the dog!
Daily Total: $76.47
Weekly Total: $505.50
Food & Drink: $326.64
Fun & Entertainment: $0
Home & Health: $22.00
Clothes & Beauty: $50.94
Transport: $105.92
Reflections:
First, GODDAMN I AM SO EXCITED TO PAY OFF THIS STUDENT LOAN. Just paid another $200 on it this morning, so we’re under $800!! If you hear an excited scream from the Western New York area next month, don’t worry, it’s just me.
Second, this was a higher spend week than usual, but I’m really proud to have budgeted for all of it. I had basically prepaid for the tattoo (on the gift card) and there’s still leftover for my next appointment. I had also budgeted and saved for the increased amount of gas and food.
Third, hopefully this isn’t too boring. My life pre-pandemic wasn’t terribly interesting, and it certainly isn’t now lol. I’m hoping to continue my debt payoff progress by finishing paying off my credit card debt in 2021, and start saving my 3-6 month emergency fund before starting that house down payment savings! I’m even starting to allow myself to start actually looking at Zillow.
I have been isolating since I got back - just drove through and got my COVID test, so fingers crossed for a quick reply!
Lastly, the coverup tattoo is going to be beautiful. I can’t wait for it to be finished!
Thanks for reading this whole thing!

December 2020 Beer Money UK Earning Report
This is my third month of using BeerMoneyUK to supplement my income. This month I made £2,342.
Here are my tow previous reports
October earnings report £774.25
November earnings report £2,731.24
Many thanks again to everyone who used some of my links to sign up for the offers. It is much appreciated. Hope you got some good Beer Money from it and remembered to share your links
Hope the below report is useful for people to see what are some of the best paying / most popular referral programmes.
This month I guestimate I worked about 50 hours to achieve this.
I am setting myself a goal to make £1,500 per month for 2021 or a total of at least £18,000. I think / hope this is achievable 🙏 .
Hope everyone has a great 2021, we all deserve it after such a bad 2020 !!!
Any questions just let me know. I am happy to help 😊
​

Company / link to Reddit post	Referral Link / Non - Referral Link	Sign Up Bonus	Required Min Purchase / Transfer Amount	My Earnings
Zumo	Referral link / Non referral Use referral code: ABC123	£10.73	£0	£669.44
Swissborg	Referral link / Non referral	€1-100 (Average ~€10)	€50	£211.06
WorldRemit	Referral link / Non referral	£20	£100	£200
Zelf	Referral link / Non referral	€5	€0	£145
Metro Bank	Referral link / Non referral	£50	Pay in salary or £500 pm	£100
Gemini	Referral link / Non referral	£8	£80	£92.87
Curve	Referral link / Non referral	£5	£0	£95
TFG Crowd	Referral link / Non referral	€20	€100	£90
Currency Fair	N/A	€50	€2,000	£90
Transferwise	Referral link / Non referral	£75 for 3 referrals	£200	£75
Xendpay	Referral link / Non referral	€10	€100	£65
Bitwala	Referral link / Non referral	€15	€30	£54
Tickr	Referral link / Non referral	£12	£5	£48
Vybe	Referral link / Non referral	£2	£0	£44
Bitpanda	Referral link / Non referral	€20 + €5 for quiz	€25	£36
Coinfield	Referral link / Non referral	£11	£100 (need to buy SOLO)	£35
Celsius	Referral link / Non referral	$40	$200	£33
Mode	Referral link / Non referral	£10	£100	£30
Skrill	Referral link / Non referral	£10	£100	£30
ViaInvest	Referral link / Non referral	€15	€50	£27
Instarem	Referral link / Non referral	£10	£200	£22.20
Luno	Referral link / Non referral	£10	£100	£20
Snoop	Referral link / Non referral	£5	£0	£20
TransferGo	Referral link / Non referral	£20	£50	£20
October	Referral link / Non referral	€20	€500	£18
Kriptomat	Referral link / Non referral	€10	€100	£18
Oval	Referral link / Non referral Referral code: KPN6NPYYU	£5	£6	£15
Easy Send	Referral link / Non referral	£10 for a referral	£100	£10
Costa Coffee	Referral link / Non referral Referral code: X8LOZ	£3	£2-3	£9
Verse	Referral link / Non referral	£5	£4	£10
Wirex	Referral link / Non referral	$10	£80	£5.35
InstaCoin	Referral link / Non referral	£5	£50	£5.08
BlockFi	Referral link / Non referral	$10	£100	£0
Twino	Referral link / Non referral	£15	£100	£0
Azimo	Referral link / Non referral	£10	£90	£0
Cash App	Referral link / Non referral	£5	£50	£0
Passfolio	Referral link / Non referral	$1-100	$25	£0
Quidco	Referral link / Non referral	£5	£5 in cashback	£0
Crypto Exchange	Referral link / Non referral	$50	£250 (5,000 staked in CRO)	£0
TopCashBack	Referral link / Non referral	£5	£5 in cashback	£0
Lenndy	Referral link / Non referral	€10	€100	£0
			TOTAL	£2,342

​

Hi Everyone,
Hope you all have a great November.
I wanted to follow up my October Earnings Report with an update as to how things are progressing with me using this subreddit to earn some Beer Money :)
Straight off the bat I would like to say a big thank you to everyone in this community that has helped me achieve a big month of Beer Money earning. I would like to say thanks to everyone that has clicked on one of my referral links this month, it is super appreciated!!!
This month's Beer Money far exceeded my expectations. November was my second full month of using Beer Money UK.
I am surprised but really pleased to have earnt £2,731.24 in November. Most of this has been from referrals to many thanks to all the BeerMoneyUkers that made this possible.
I am surprised again it was so high. I knew I was going to beat last month's £774.25, (I was hoping to double it), but I have exceeded my expectations. I think it again shows that every little helps. A big part of this months earning have been from Zumo. I think the best offers are the ones that d not require any deposits. This makes them accessible to as many people as possible. I have earned over £700 this month from Zumo alone.
Hopefully by letting people know how I managed to earn over £2,700 this month other people can put in place steps to earn similar. I Appreciate the economy is still rubbish and lots of people are being made redundant or having hours reduced. There are lots of people out there that could with a few extra pounds to make ends meet. I am happy to answer any questions anyone has. At the least i can tell you what has worked for me. Please feel free to ask on the comments below or DM me.
Last time I received a couple of comments asking me for the amount of time it took.
It took me 50-60 hours this month.
I started on this path as a way to make a bit of extra money due me having my hours per week reduced by 20 due to Covid. It was a bit scary thinking about how the bill were going to be paid. Now I am a lot more optimistic about things. I am quite enjoying working from home and doing things Beer Money related. I am not sure if this month will be a bit of a fluke. I am going to see how things go with December before setting some Beer Money UK goals / new year resolutions for 2021.
I am still pretty much exclusively making use of the sign up deals on this site. I have not done any of the remote work ones yet.
Please see below the table below showing where the Beer Money has come from. I have also added proof where possible.
A few points to note:

• I again haven't included fees in this report as it would take a while to work out and would only be a small percentage of the amount ~2%.
• A couple of the offers Zelf and Vybe are not yet launched. Who knows... they might never launch. But neither have cost me anything other than my time to write a post and share it. Either way I cannot cash these out just yet.
• I am still a big fan of the Bitcoin / cryptocurrency bonuses. Three of the top five earner this month are crypto currency related. It has probably helped my earning this month that Bitcoin and Ethereum are shooting up in price. I am comfortable with crypto. If anyone is interested in getting started I made a Beer Money UK guide to the current offers.
• Also the offers below are in Pounds, Euros and Dollars, so I converted the earning to £GBP to make things easy for comparison.
• I did have a couple of problems with some companies that have refused to honor bonuses. But generally most have gone smoothly.
• I have included some tips and a template for those interested in seeing what system I use: BeerMoneyUK - Offers to do December 2020

Some tips:

• This month I have made more in referrals than signups. I would recommend sharing your links and making your own posts about offers.
• Sign up for as many things as possible. I would recommend going through the list below and signing up for the offers you think you will do. If you do not end up doing them, no problems. I have found taking action and signing up to things asap, even if it is just starting by registering my email etc is useful as the companies offer send me chase ups if I forget to finish the sign up process.
• If you come accross a good offer. You get an email about a refer a friend scheme etc, post about it :)

Here is a list of the Beer Money earning I received this month. I have totaled up how much someone would receive if they just signed up for everything and it is over £420 just in sign up bonuses.

November 2020 Beer Money UK Earning Report

​

Company / link to Reddit post	Referral Link / Non - Referral Link	Sign Up Bonus	Required Min Purchase / Transfer Amount	My Earnings *proof
Zumo	Referral link / Non referral Use referral code: ABC123	£8.78	£0	£736.35 *
WorldRemit	Referral link / Non referral	£20	£100	£240
Bitwala	Referral link / Non referral	€15	€0	£230
Swissborg	Referral link / Non referral	€1-100 (Average ~€10)	€50	£185.43 *
Metro Bank	Referral link / Non referral	£50	Pay in salary or £500 pm	£150 *
Mode	Referral link / Non referral	£10	£100	£150
Curve	Referral link / Non referral	£5	£0	£125
Zelf	Referral link / Non referral	€5	€0	£115 *
Xendpay	Referral link / Non referral	€10	€100	£85 *
Twino	Referral link / Non referral	£15	£100	£60 *
Instarem	Referral link / Non referral	£10	£200	£51 *
Skrill	Referral link / Non referral	£10	£100	£50
Gemini	Referral link / Non referral	£8	£80	£50
Currency Fair	N/A	€50	€2,000	£45
Coinfield	Referral link / Non referral	£11	£100 (need to buy SOLO)	£45
ViaInvest	Referral link / Non referral	€15	€50	£40 *
Vybe	Referral link / Non referral	£2	£0	£40 *
Luno	Referral link / Non referral	£10	£100	£37.94 *
Crypto Exchange	Referral link / Non referral	$50	£250 (5,000 staked in CRO)	£37
October	Referral link / Non referral	€20	€500	£36 *
Bitpanda	Referral link / Non referral	€10 + €5 for quiz	€25	£36 *
Celsius	Referral link / Non referral	$40	$200	£32 *
Tickr	Referral link / Non referral	£10	£5	£30 *
Easy Send	Referral link / Non referral	£10 for a referral	£100	£30 *
InstaCoin	Referral link / Non referral	£5	£50	£25.38 *
BlockFI	Referral link / Non referral	Free	Free	£16 *
Wirex	Referral link / Non referral	$10	£80	£15 *
Verse	Referral link / Non referral	£4-5	£4	£14.14
Cash App	Referral link / Non referral	£5	£50	£10
Passfolio	Referral link / Non referral	$1-100	$25	£5 *
Oval	Referral link / Non referral Referral code: KPN6NPYYU	£5	£6	£5
Costa Coffee	Referral link / Non referral Referral code: X8LOZ	£3	£2-3	£4
Kriptomat	Referral link / Non referral	€10	€100	£0
Crypterium	Referral link / Non referral	$5	€50	£0
Transferwise	Referral link / Non referral	£75 for 3 referrals	£200	£0
Quidco	Referral link / Non referral	£75 for 3 referrals	£5 in cashback	£0
			TOTAL	£2,731.24

​
Hope that is useful :)
Any questions just let me know.

Metro Bank are currently offering new customers that sign up with a refer a friend link a free £50. This must be done be done before 18th December 2020.
Links:
My Referral Link £50 switch bonus
Non Referral link No bonus
The £50 pay out will be made Within 30 days of meeting all of the terms and conditions in this offer.
I can confirm Metro have started to make payouts :)
I have received £100 from referrals so far Payment Proof and the two people that used my referral link have been credited with their money .
If you are quick you can signup now and potentially get a friend signed up to double your bonus to £100!
I have used Metro Bank for a while. My experience with their app, online banking and support has always been positive.
You do not need to switch your main account. If you like you can switch an account you do not use much. Even an empty bank account would work. If you have a bank account not doing anything at the moment sign it for a swithc and get a free £50.
Steps to get your free £50:

1. Sign up with my My Referral Link (unlimited referrals)
2. Apply for your new Metro Bank Current Account
3. Switch to Metro Bank using the Current Account Switch Service.
4. Within 30 days of your account being opened you need to deposit at least £500 into your new account for both of the first two months, and make 10 debit card purchases in that time. If you open it this month you can pay in your Decembers' salary and use your card over Christmas to be sure of the bonus.

Let me know if you have any questions.

Metro Bank are currently offering new customers that sign up with a refer a friend link a free £50. This must be done be done before 18th December 2020.
Links:
My Referral link £50 switch bonus
Non Referral link No bonus
The £50 pay out will be made Within 30 days of meeting all of the terms and conditions in this offer.
I can confirm Metro have started to make payouts :)
I have received £100 from referrals so far Payment Proof and the two people that used my referral link have been credited with their money .
Everyone have 5 friends they can refer so I have 3 spaces left. If you are quick you can signup now and potentially get a friend signed up to double your bonus to £100!
I have used Metro Bank for a while. My experience with their app, online banking and support has always been positive.
You do not need to switch your main account. If you like you can switch an account you do not use much. Even an empty bank account would work. If you have a bank account not doing anything at the moment sign it for a swithc and get a free £50.
Steps to get your free £50:

1. Sign up with my My Referral link
2. Apply for your new Metro Bank Current Account
3. Switch to Metro Bank using the Current Account Switch Service.
4. Within 30 days of your account being opened you need to deposit at least £500 into your new account for both of the first two months, and make 10 debit card purchases in that time.

Let me know if you have any questions.

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• Crypterium Wallet App with $5 Cash Bonus - https://crypterium.app.link/DU5iX9vsDY (or referral code cdgy4 during signup)

Webull (4 Free Stocks up to $1600)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive four (4) free stocks (valued between $8 to $1600 each) when you open a stock brokerage account (within 24 hours) and make an initial deposit of $100 or more! This is a limited time promo bonus from Webull when you use the referral link!
You do not need to invest the money deposited and simply transfer the money back to your bank after receiving the three free stock bonuses.
You get two free stocks for opening a brokerage account plus another two free stocks for making an initial deposit of $100 or more! That's four (4) free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02 to receive your four free stocks up to $1600 for just an initial deposit of $100 or more!
Thank you!

Firstrade (3 Free Stocks up to $600, No Deposit Required)

Sign up and open a Firstrade Stock Trading Account (https://share.firstrade.com/DavidMPYG) and get a 3 free stocks instantly (valued up to $200 each) when your taxable trading account is approved. You get one free stock when your account is approved with no deposit required. You'll receive 2 more free stocks when you make a deposit of $100 or more within 30 days! That's 3 free stocks! US customers only.
Firstrade offers commission free stock, ETF and mutual funds trading via the web or mobile apps (iOS and Android)! Plus your account is SIPC insured up to $500,000!
You're guaranteed 3 free stocks, but you have a 1 in 100 chance of getting Apple, Facebook, AMD or Bank of America! Plus a chance to win one of 20 iPhone 12 phones being raffled if you sign up by January 15, 2021.
Be sure to use my Firstrade signup link to receive your free stocks and thank you! - https://share.firstrade.com/DavidMPYG
Thank you!

Public (1 Free Stock up to $50, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $50 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

SoFi Invest ($75 Cash Bonus)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF with no trading fees!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account.
Plus get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
I love SoFi Invest because you can invest in any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell! Be sure to signup at https://www.sofi.com/share/invest/1919989
Thank you!

M1 Finance ($10 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $10 cash bonus after you make an initial deposit of $100 or more when you open a taxable (non-retirement) account. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make initial deposit of $100 or more to get $10 cash bonus. If you open an IRA account, then you must make initial deposit of $500 or more to get bonus and open a taxable (non-retirement) account.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

Moomoo (2 Free Stock up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $10-$1000) when you make an initial deposit of $100 or more. Plus earn another free stock when you make total net deposits of $1500 or more! That's two free stocks when you have net deposits of $1500+.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your two free stocks! - https://j.moomoo.com/001zFH
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! It's free money just for signing up!
Plus you can buy any stock or ETF like SPY and Tesla for as low as $1 with fractional share investing.
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 0.30% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Voyager ($25 in Free Bitcoin + Up to 9% APY Interest)

Get $25 in free Bitcoin (BTC) when you download and signup for the Voyager Crypto Trading App with code O6E5JJ and trade at least $100 or more in crypto (buy and/or sell). Only available to US residents.
To get your $25 in free Bitcoin after trading (buy/sell) $100 or more in crypto, use reward/referral code O6E5JJ during registration:

• Download the iOS app at https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579 - use reward code O6E5JJ
• Download the Android app at https://play.google.com/store/apps/details?id=com.investvoyager - use reward code O6E5JJ

Voyager App allows you to connect a bank account and deposit cash directly. The easiest way to get the bonus is depositing at least $100 into your account to buy at least $100 of Bitcoin or Ethereum. Then sell the Bitcoin/Ethereum immediately. You'll receive your $25 in free Bitcoin bonus and can transfer the money back to your bank.
Voyager App offers commission-free cryptocurrency trading for over 20 cryptos and its currently available to residents in all U.S. states (excluding New York state).
Plus, you can earn monthly interest on your crypto holdings up to 9% APY interest annually on Bitcoin, Ethereum, Litecoin, USDC, and USDT!
Please use my referral code by downloading the iOS app or Android app and use reward/referral code O6E5JJ during registration. It's an easy way to earn a $25 worth of free Bitcoin after you buy $100 or more in crypto and cash out the profit back to your bank!
Thank you!

BlockFi ($50 in Free Bitcoin + Earn up to 8.6% Per Year on Crypto Deposits)

Sign up for BlockFi (https://blockfi.com/?ref=c316afd8) and receive $50 in free Bitcoin bonus when you deposit $350 or more in crypto (like Bitcoin or USDC) by December 31, 2020 and maintain the qualifying deposit by January 31, 2021. The bonus is deposited on your first monthly interest payment. Do not withdraw from your balance or you WILL LOSE the Bitcoin bonus payment. Just wait until you receive your Bitcoin bonus then you can withdraw from your account.
This promotional $50 Bitcoin bonus is available to all customers globally! If you sign up after December 31, 2020, you will receive $10 in free Bitcoin for any crypto deposit of $100 or more.
Plus you'll earn up to 8.6% per year on the cryptos you deposit into your BlockFi account like Bitcoin, Ethereum, Litecoin, PAX, GUSD and USDC. Interest is compounded monthly and paid out on the 1st of every month.
You can download the iOS app (https://apps.apple.com/us/app/blockfi/id1506274532) or Android app (https://play.google.com/store/apps/details?id=com.blockfi.mobile). Be sure to use referral code c316afd8 during signup to get your $50 Bitcoin bonus after initial $350 or more deposit (like Bitcoin or USDC) by December 31, 2020.
Effective December 1st, 2020, referral bonuses are paid on the 15th of every month following the holding month. i.e New clients who deposit in December and hold in January, will get paid on the 15th of the following month (February).
BlockFi supports ACH deposits (US only), bank wire transfers and deposits via crypto. If you want to buy crypto and deposit on BlockFi, you will need to use Coinbase, Gemini, Liquid or Binance to link your bank account to buy crypto and transfer to BlockFi.
In addition to earning interest on your crypto deposits, BlockFi allows you to exchange cryptos like BTC for Ethereum and take out a loan without selling your crypto.
BlockFi is available to all customers globally including in all 50 US states! BlockFi is a licensed and regulated company in the United States.
Remember to sign up at https://blockfi.com/?ref=c316afd8 to get your $50 in free Bitcoin bonus.
Thank you!

Celsius Network ($100 in Free Bitcoin + Up to 22% APY Interest)

Sign up on Celsius Network (https://celsiusnetwork.app.link/1891962be1) and you'll get $20 in free Bitcoin (BTC) after first deposit of $200 or more in crypto (like Bitcoin, Ripple, Ethereum, USDT, USDC) within 30 days! Just complete the registration and KYC process to earn your free Bitcoin after qualifying deposit! Plus earn an additional $80 in free Bitcoin.
You'll also earn up to 22% APY interest on all the cryptos you deposit including BTC, ETH, BCH, LTC, XRP, XLM, Tether Gold, and USD stablecoin (like USDC, USDT, DAI, PAX) with no fees to deposit or withdrawal!
I love Celsius because interest is paid out every Monday! Your free Bitcoin is locked for 30 days after your initial deposit and available to withdrawal after 30 days. You cannot withdraw any funds deposited for 30 days or else you will lose the Bitcoin bonus!
Here's the process to claim your free $100 in Bitcoin/Celsius bonuses:

1. Sign up for Celsius Network at https://celsiusnetwork.app.link/1891962be1 (or use promo code 1891962be1 during registration at https://celsius.network/ to secure the $20 Bitcoin bonus on the first deposit)
2. Complete the KYC process including ID verification
3. Deposit $200 or more in crypto to receive your $20 in free Bitcoin bonus like Bitcoin, Ethereum and USD stablecoin. Bitcoin bonus is locked for 30 days after qualifying deposit and after 30 days you can keep or withdraw it. DO NOT WITHDRAW any crypto from your account during the 30 days after qualifying deposit OR YOU WILL LOSE the bonus. Wait until the bonus is unlocked.
4. Go to Profile -> Enter a Promo Code and input promo code TRUST to earn additional $50 in free Bitcoin after making any crypto deposit of $2000 or more!
5. Go to Profile -> Enter a Promo Code and input promo code BTC to earn additional $30 in free Bitcoin after making a Bitcoin deposit of $2000 or more!

At the moment you can't link a bank account to deposit cash to your Celsius Network account so you'll need to use Coinbase, Binance US, Crypto.com or Gemini to buy crypto like Bitcoin or USDC and transfer to your Celsius account. Then transfer back to cash out and back to your bank.
Remember to use my Celsius Network referral link - https://celsiusnetwork.app.link/1891962be1 or use promo code 1891962be1 during registration to get your first $20 in free Bitcoin and enter the additional promo codes after successful registration for more free Bitcoin.
In summary, you will earn a total of $100 in free Bitcoin into your Celsius Network account within 30 days.
Thank you!

Crypto.com ($25 Cash Bonus + Up to 12% APY Interest)

Get $50 free cash bonus when you signup and open a Crypto.com account (https://platinum.crypto.com/bcsbb2r465) or use referral code bcsbb2r465 during registration. After you buy and hold 2500 CRO (Crypto.com) tokens, the $25 cash bonus is unlocked to your wallet to spend with your free MCO Visa prepaid card which earns up to 5% cashback on all purchases with free Netflix, Spotify and Amazon Prime membership! This offer is available to all users globally!
Crypto.com is the best place to buy and sell cryptocurrency with fees as low as 0.10%. Plus you'll earn up to 8% interest per year on the cryptos you deposit into your Crypto.com account like Bitcoin, Ethereum, Litecoin, Binance Coin, and PAX Gold. You'll earn up to 12% interest per year on stablecoin deposits like USDT, USDC, DAI, PAX, GUSD and TGBP. Interest is paid weekly!
You can buy 2500 MCO (Crypto.com) tokens via the Crypto.com app with bank transfer, credit card or crypto like Bitcoin. 2500 CRO will cost between $220 to $250 depending on the price of CRO tokens. The 2500 CRO tokens will be locked up for 6 months.
Visit https://platinum.crypto.com/bcsbb2r465 or download the Crypto.com app for iOS or Android and use my referral code bcsbb2r465 during registration to get your instant $25 cash bonus.

ZenGo ($10 Cash Bonus)

Get free $10 USDC cash back when you download and signup for the ZenGo Crypto Wallet App (https://get.zengo.com/invite/?code=ZENEBJ94) with referral promo code ZENEBJ94 and buy at least $200 or more in crypto (like Bitcoin and Ethereum). ZenGo is a non-custodial wallet and available to all users globally including US, Europe and Asia.
You will earn a one-time cashback reward of 10 USDC from ZenGo when you purchase 200 USD or more of crypto in the ZenGo app. This can be achieved with a single purchase or multiple purchases. After you receive the bonus, you can transfer it to an external wallet or exchange it for another crypto like Bitcoin.
ZenGo App is available on iOS and Android! Buying crypto in ZenGo is easy and safe. You can buy Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC), and more with your credit card (Visa and Mastercard), Apple Pay (Visa and Mastercard), bank transfer (SEPA and Swift), or debit card (Maestro).
ZenGo allows you to send crypto to any address with no minimums, maximums or extra fees plus you can earn interest on your cryptocurrencies with no lockups and high APRs!
Sign up for ZenGo at https://get.zengo.com/invite/?code=ZENEBJ94 or use referral code ZENEBJ94 during registration to receive your free $10 USDC cash back after you buy $200 or more in crypto.
Thank you!

Gemini ($10 in Free Bitcoin)

Get $10 in free Bitcoin when you signup for Gemini, a US-based regulated and licensed cryptocurrency exchange. This offer is available to NEW USERS ONLY residing in the United States, United Kingdom, Canada, Hong Kong, Singapore, and South Korea.
Follow these steps:

1. Sign up for a Gemini account with my referral link at https://gemini.com/share/mllyldt7 (new users only)
2. Verify your identity
3. Link your bank account and deposit $100 or more
4. Buy or Sell 100 USD of any crypto within 30 days of opening an account and Gemini will deposit your bonus of $10 worth of Bitcoin within a day.

After you receive your free $10 of Bitcoin, you can sell your cryptos and transfer the cash back to your bank! Gemini also allows you to transfer any crypto to an external wallet for free with no withdrawal fees.
Gemini is regulated by the New York State Department of Financial Services (NYSDFS) and was founded in 2014 by Cameron and Tyler Winklevoss.
Thank you!

Coinbase ($10 in Free Bitcoin + $170 in Bonus Crypto)

Sign up for a Coinbase cryptocurrency account (https://www.coinbase.com/join/5a29d6adad50d7010b47bac0) and get $10 of free Bitcoin (BTC) after you buy or sell $100 or more in cryptocurrency like Bitcoin, Ethereum, and Bitcoin Cash. You will also need to verify your identity. This offer is available to all customers globally!
In addition, get $43 in free BAND Token by visiting https://coinbase.com/earn/band/invite/nqcpf2yz by watching tutorials and answering simple questions about cryptocurrency with Coinbase Earn! You'll also get additional free cryptocurrencies without any deposit or trading required. You can easily make up to $180 in free cryptocurrency and cash out the money back to your bank!
You can also earn 0.15% annual interest holding USDC tokens (for US customers) and 4% annual interest staking Tezos tokens (for US, UK, and EU customers)!
Coinbase is one of the most trusted and easiest place to buy, sell, and manage your digital currency portfolio and its available in 100+ countries around the world! Coinbase allows you to deposit/withdrawal funds via free bank transfer, credit/debit card or bank wire.
Remember to use my referral link to get your $10 of free Bitcoin after trading $100 or more in crypto plus another $170 in free crypto bonuses - https://www.coinbase.com/join/5a29d6adad50d7010b47bac0
If you already have a Coinbase account, you get $43 in free BAND Token by visiting the following referral links:

• https://coinbase.com/earn/band/invite/nqcpf2yz ($43 in free BAND token)

Thank you!

Crypterium ($5 Cash Bonus)

Have you tried the Crypterium Crypto Wallet App for iOS and Android? Sign up for Crypterium at https://crypterium.app.link/DU5iX9vsDY (or use referral code cdgy4 during signup) and get a $5 cash bonus by verifying your identity and make a transaction worth €50/$60 or more (like buy or sell crypto) via the Crypterium Wallet app. The bonus is deposited within 72 hours.
Crypterium lets you buy, send, exchange or cash out crypto, and even get the first global crypto card! The Crypterium Wallet is regarded as one of the most promising fintech solutions by KPMG and H2 Ventures. Making crypto as easy to spend as cash!
Plus for a limited time, get a Crypto Loan in USDT from Crypterium for 0% interest for up to 12 months by using Bitcoin or Ethereum as collateral. Get approved in as little as 30 seconds without credit checks!
The Crypterium App supports cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, CRPT, XRP, LINK, MKR, QASH, BAT, ZRX, REP, OMG, USDC, USDT, DAI, and EURS.
Register at https://crypterium.app.link/DU5iX9vsDY to receive a link to download the app or use my referral code cdgy4 during signup at https://crypterium.com and get your $5 cash bonus!
Thank you!
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