Easy Bonus – United MileagePlus Miles or 15% Cashback at Sears

Here is a classic example of stacking promotions and taking a little risk regarding the fine print. You probably know I have recently become a major Sears shopper in the last few months (a personal shopper, if I may…maybe you would like to be my client?) and I have been profiting every time I sit down in front of my computer. I made over $125 in about an hour just recently.

United MileagePlus is offering a 1,000 point bonus on a $250 purchase. Sears happens to be a participating retailer…and the fine print indicates that gift cards are eligible for point earning until July 9 at a current increased rate of 4 points per dollar. However, you can not earn points when you redeem gift cards. Incidentally, the wording via Splender is the same but opposite at Ebates. Confused? Step by step, here’s how to maximize this offer…despite the fine print regarding the 1,000 point bonus saying that gift cards are not eligible, I am betting it will come through.

Step 1: Start at MileagePlus Shopping

searsbonus

Step 2: Purchase a $250 Gift Card at Sears (or Reload One for Faster Service)

searsgc

In completing Step 1 and Step 2, you will earn the 1,000 point bonus (assuming my risk pays off) PLUS 4 points per dollar – or another 1,000 points on your $250 purchase. This is a total of 2,000 points or 8 points per dollar. While this type of offer comes around a few times a year, I’m happy to take advantage of it. Why? Because then…

Step 3: Navigate to Sears by Way of Ebates and Pay With Your Gift Cards

Since the Ebates terms do not restrict the earning of points on purchases paid for with gift cards, we should be safe here and take the 6% return they currently offer. Not an Ebates member? Please use my link – there is still time to earn a $50 bonus, which you can read about here.

Don’t forget to check your Shop Your Way page for loadable coupons – either for percentage or dollars off, cash back offers, or surprise points.

Step 4: Consider Loading Up via Splender

Splender (I’m a new user) is offering 9% back at Sears and also pays on gift card purchases until July 9th. So, beyond the $250 needed to trigger the United bonus, I am purchasing my gift cards through Splender and redeeming them through Ebates. This triggers a 15% total discount (or cash back) on top of any other sales or promotions you may find.

If you don’t care to get the 2,000 United MileagePlus points, you can skip right to Step 4 for purchasing gift cards and back to Step 3 for redeeming them.

A Quick Summary and Example

Via MileagePlus Shopping and Ebates

  • If you purchase a $250 gift card by way of MileagePlus Shopping, you will earn 2,000 points.
  • If you spend the $250 gift card by way of Ebates, you will earn $15.
    • This means that your regular old $250 purchase is worth a bonus 2,000 MileagePlus miles and $15 in cashback. I value those miles at a minimum of $20!

Via Splender and Ebates

  • If you purchase a $250 gift card by way of Splender, you will earn $22.50.
  • If you spend the $250 gift card by way of Ebates, you will earn $15.
    • This means that your regular old $250 purchase is worth $37.50 in cashback.

Will you take advantage of this offer?

I am constantly finding ways to manufacture spend at Sears – I might even make it to Platinum status in July! I have no hesitation in purchasing Sears gift cards during this offer.

Will you purchase through Splender and Ebates or MileagePlus Shopping and Ebates? Leave a comment!

How this Pertains to your Wedding

Nope, nothing ground-breaking here. As usual…

  • Buy gifts at Sears for your parents, wedding party, future spouse, etc.
  • Buy and sell items to manufacture spend on a credit card you’re using for your free honeymoon
  • Outfit your new home at Sears if the price is right
  • Purchase linens, decorations, etc for any of your wedding events (showers, centerpieces, etc)
  • Find bridesmaid dresses and accessories or suits and accouterments for the gentlemen

Bridesmaid (or Wedding Guest) Dress Option – Under $30!

Kohl’s is offering an enormous discount on this full length evening dress, available in two colors with most sizes available (note that size 2 is at the end of the list, but available.)

Kohl's Bridesmaid Dress

Don’t forget to stack the savings!

  • Use code “BBQ30” for 30% off if you’re a Kohl’s charge holder. Else, the site is promoting 20% off with “BUYNOW” through the 19th.
    • As long as part of the purchase goes on your Kohl’s charge, you can pay with any discounted gift cards you may have or choose to purchase (I like raise.com-they seem to have the fastest turn-around.)
  • You’ll also receive $10 Kohl’s Cash for every $50 spent, so get the gals together and combine into one order.
  • Unless you’re a Kohl’s MVC and can use “JUNESHIP” for free shipping, spend $75+ to avoid the shipping charge. You can always return whatever you purchased beyond the $75, so don’t hesitate to order two sizes if you’re unsure  and your credit situation allows.
  • Be sure to start at cashbackmonitor.com; the Ebates 6% back offer seems to be the current best deal.
    • When you join Ebates, you can refer your bridesmaids with your own link, which will earn you a $50 bonus when they complete their first $25+ purchase. In other words…somebody is getting a free dress, am I right? If you want to use my link, I certainly appreciate the support.

Here’s the final tally:

Purchase price: $42.00

30% Discount: -$12.60

6% Ebates Cashback on $29.40: $1.76

Final price: $42 – 12.60 – 1.76 = $27.64 for a discount off 80% off retail!

Will you purchase this dress?

Maybe this isn’t perfect for your bridal party, but hopefully it is another good example of stacking savings. It would be perfect for a guest, too – at this price, you won’t feel bad buying a gown you might only wear once.

If you find a great dress offer at Kohl’s, please let me know!

How I Made $69 in Less Time Than it Took to Write This Post

The world of e-commerce is vast. All you have to do is find an item here and there that is on sale. Hopefully, you can make that sale even better by earning (or redeeming) some form of store loyalty credit, adding a great portal bonus, and paying with a discounted gift card. Please the Rules of Engagement if you aren’t clear on that process. What does this have to do with your wedding? Not a whole lot, unless you, like everyone else on the planet, could use a couple extra bucks, have a father or other men in your life that will be gift recipients, or you opened credit cards to get a free honeymoon and need to meet the spend minimum.

Here is today’s example of making $69 in a matter of minutes (even if it took an hour, isn’t that pretty good?):

Sears is selling an impact wrench (I don’t even know what that is) for 50% off. I’ve added it to my Best Deals catalog. (Hint hint: you should really add me as your personal shopper so you don’t miss out on these offers…there are other great products in that catalog that you can make some money on, too!) Add in tax and my total was $132.80.

wrench

Turns out Amazon sells this product for just under the normal retail – $237.49. It is ranked around the 250,000 mark in Home Improvement, which is good enough for me. The fees look to be around 15%, but for the sake of argument…I’ll call it $40 if I sell the item for $200. I should be able to sell it for $225 and the fees will be less than that, but let’s stick with easy numbers and plenty of margin.

A quick scan through the Sears Deals Center shows a nice $10 back in Shop Your Way Rewards on $100 in tools. Free points!

Ebates is offering 6% cashback (and you should totally be using Ebates and referring people to it while they’re offering a $50 bonus! Yes, that last link helps sort out the details.) Fantastic. 6% on $125 is $7.50. Don’t calculate on tax.

Icing on the cake here…I have a small stash of Sears gift cards that I received in exchange for Discover cash back. $20 worth of Discover cash gets me $25 worth of Sears credit – so $80 worth of Discover cash gets me $100 worth of Sears credit. Not bad, right? On a $125 purchase, I am saving $20 + $5 = $25 (there’s some common core math for you…20% of $100 = $20. 20% of $25 = $5. $20 + $5 = $25.)

  • If you don’t maintain a stash of Sears gift cards…well, you can reload a gift card from the Sears site (which you navigate to by way of Ebates) – you’ll still get the 6% back. In this case, then, instead of a $25 savings, you’ll get a $7.50 savings. Be sure to call Sears right away to get them to process the reload transaction at 888-396-5299.)

Final Tally:

Purchase Price: – $132.80

Amazon Expected Sales Price: $200

Amazon Worst-Case Fees: – $40

Sears SYWR: $10 (hey, they’re also giving me $1 for accepting a one-day slower delivery…fine by me)

Ebates Cashback: $7.50

Gift Card Discount: $25

= -$132.80 + 200 – 40 + 10 + 7.50 + 25 = $69.70 (note that this will be $52.20 if you go through Ebates)

Heck, I think I’ll buy two…

What does this have to do with wedding planning?

As with many of my posts, here’s the list of reasons this is relevant:

  1. You opened a credit card and need to meet a spend threshold to earn a sign up bonus. Do not spend money for the sake of this bonus – spend what you need to spend…and make up the difference on creative “manufactured spend” like this.
  2. You need a couple bucks to cover this that and the next thing. Dear reader…wouldn’t an extra $69 cover at least an elaborate mani/pedi? YES! How about your rehearsal dinner dress? A gift for a member of your wedding party? This is money in your pocket to spend on whatever expenses aren’t yet covered. Else, use it to pay down your debt!
  3. You need gifts for the men in your life – your dad, brother, fiance, groomsmen, etc etc etc…
  4. You need gifts for a couple in your life – engagement party, wedding gift, etc etc etc…
  5. You happen to need this thing yourself.

Does this help?

Are you interested in becoming an Amazon Seller? Does this example motivate you to find great deals of your own? Please leave a comment or send a message if you need guidance!

How to Get $100 Worth of Free Wedding Stationary at Staples

When all is said and done, it’s amazing how many pieces of paper your wedding will consume! Here’s a list:

  • Save the Date Notestyping-vintage-technology-keyboard
  • Invitations
  • Menus
  • RSVPs
  • Seating Placeholders
  • Return labels
  • Ceremony Programs
  • Thank You Cards
  • Photo Prints

Wouldn’t it be nice if you could get even one of those at a discount?

Staples Premier = 10% Back in Rewards!

If you reach Staples Plus status, you’ll get a $25 in-store copy and print voucher. Once you make it to Staples Premier status, you’ll get an additional $50.

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Certainly, $1,000 is a long way to go to get $75 for free! Keep in mind you’ll get $10 on your way to Plus (2% back on $500) and another $15 on your way to Premier (3% back on the next $500.) Ultimately, on $1,000, that would be $75 + 10 + 15 = $100, or a full 10% back.

How the heck do I spend $1,000 at Staples?

Run Errands for Other Organizations

Your expenses will add up quickly if you’re a small business owner, teacher, etc. The goal is to spend as little as possible out of pocket to maximize your rewards. Here’s an idea – maybe you are involved with a non profit or other volunteer organization that needs supplies. Think about church leaflets, fundraising flyers, and so on. They may let you take care of the purchase and refund you later; if you use your reward number, those expenses will count toward your total.

Purchase Other Stationary at Staples

There are so many great places to purchase wedding stationary, you’ll have to really do some price shopping to make sure this is the best deal. If it is, let’s assume you purchase 100 invitations for $2 each – you’ve already spent 20% ($200 of $1,000) of your total. Don’t forget the envelopes! Be sure to follow the steps below to maximize your savings.

Maximize Rebate Offers

Keep an eye on Staples Easy Rebates! They are easy! It seems like every week includes a free paper offer. Find this week’s offers here. If you can get one free $5 ream of paper each week (usually the offer say “limit 4”) that’s going to be $250 ($5 * 50) in one year. There are often great resale opportunities when Staples offers 20% back in Rewards or 15% off, for example. They even price match 110%. Look for Keurig machines, routers, and other low weight, high price items. I’ve spent $1,000 in a day at Staples just on resale purchases! My Amazon store was happy.

Maximize Your Savings at Staples With These Steps

1. Extend your $75 with Coupons

It’s common to find 15 and 20% off coupons. Use these with your Copy & Print vouchers – just have them type in the code at the bottom.

copyprint

2a. Use Chase Ink for an Additional 5%

This business card offers a 5% bonus on office supply stores. Don’t have one? Consider using my referral link; you’ll get 60,000 points when you spend $5,000 in the first three months, which is redeemable for at least $600. $1,000 at Staples will earn you 5,000 points, worth at least $50.

2b. Pay with Discover Deals Gift Cards to Save Up to 30%

Redeem your Discover Cashback for $25 gift cards with a limit of 5 per order.

For every $100, you can get $20 off! That’s 20%! Now, your $1,000 in purchases only cost $800.

You’ll still get $100 back in rewards – $100 back on $800 is 12.5%.

When you consider your $200 savings ($20 * 10) plus $100 in rewards, this is like paying $700 for $1,000 worth of Staples merchandise, or a 30% discount without using any coupons! staplesdiscover

 

3. Don’t forget the portals!

While you’re on your way to $1,000, ensure you make your purchases through a portal!

My Experience

I was unable to apply my $50 to an online order for in store pickup, so plan on spending time at the store finalizing your design. My $50 (plus $4 out of pocket for taxes) was enough for a 24×36″ photo print, a wonderful custom return address stamp (if you aren’t having your envelopes printed, this will save you a lot of work!) and 500 business cards – which I can’t wait to pick up! You can have quite the variety of products printed at your store – stop in and chat with them or call to ask.


 

How will you spend your Staples Copy & Print Reward?

Which stationary item are you most excited to get for free with your reward?

 

Quick! 17% off Kohl’s Gift Cards at eBay!

Update:

This offer just got better! eBay is offering 8% back on $50 purchases, so you’ll receive a $4 eBay credit for each gift card you purchase; there is a limit of 3, but that’s an extra $12. You can apply the credit starting in July to anything on eBay!

Get an extra 8% back in eBay credit when you spend $50!
Get an extra 8% back in eBay credit when you spend $50!

I expect this to run out soon, so buy now if you’re interested!

Get a $10 Bonus at Kohl's!
Get a $10 Bonus at Kohl’s!

Don’t need any Kohl’s gift cards?

One option is to sell the $50 gift card to a gift card reseller and use the $10 bonus yourself. (My assumption is that the $10 card will not be a standard gift card, but let’s hope I’m wrong – sometimes they have a certain time frame in which they are valid, but I don’t see that in the fine print. Just be aware that it might happen and be prepared to shop in the next month!) I like to start at GiftCardGranny.com to figure out my options. It looks like you could approximately break even, making this worthwhile for credit card spend to earn bonuses or other points. If the $10 card is not able to be sold, you’ll also want to be sure to use the $10 effectively, since you’ll only get about $40-42 for your $50 gift card. Lastly, consider the cost of shipping, as these are physical gift cards that you don’t want to lose!

You can sell unwanted gift cards at a discount.
You can sell unwanted gift cards at a discount.

Don’t forget to start at a Shopping Portal!

Perhaps you haven’t read the Rules of Engagement! Based on CashBackMonitor.com, it looks like American offers 1 mile/dollar and iConsumer offers 1.3% back. I’ll shop at the American portal because of this fine print from iConsumerCashBack is typically NOT available on the purchase of Gift Cards. Please review the Gift Cards category for a list of merchants that offer this benefit and confirm with individual brands’ Known Exceptions for additional details. If you decide to chance it, please let me know how it goes – and if you’re new to iConsumer, please consider using my referral link!

What’s so great about Kohl’s gift cards?

If you’re a Kohl’s charge holder, you probably like those “30% off with Kohl’s Charge” offers…but hate to use your Kohl’s charge! You’re not going to get any bonuses or miles out of that. So, buying gift cards to cover the majority (90% or more!) of your purchase and just putting a few dollars on your Kohl’s charge effectively allows you to use your other credit card to take advantage of the Kohl’s charge promotions!

Need to do wedding shopping or gifting?

$50 gift cards are easy gifts – if you like my gift basket idea, it is even easier. On the shopping side, here’s a list of items you could find at Kohl’s (and definitely at kohls.com):

  • Jewelry
  • Shoes
  • Clutches
  • Centerpieces
  • Intimates
  • Linens
  • Formal dresses (moms and bridesmaids, flower girl)
  • Suits and tuxes (dads, groom, groomsmen, ring bearer)

Are you going to use this deal?

Will you spend the money yourself or sell it to one of the gift card resellers?

I know will be taking advantage of this because it gives me a great discount on gift cards that will help me buy from Kohl’s to sell on Amazon!

Bridesmaid Gift Idea: Monogrammed Jewelry

This cute online shop, Ally Anna Gifts, has a number of steals available through Groupon and Living Social. Here is the Living Social list:

livingsocial (2)

The Groupon list is similar. Don’t forget to shop through a portal. Start at cashbackmonitor.com for ideas; I shopped through Discover for an extra 10% back! With the double-cashback promotion from last year, that’s going to be 20% back!

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Other AllyAnna Gift Ideas

If you make a selection from one of these vendors, don’t rush off the AllyAnnaGifts.com site! Check out the sale section. I know a few friends at my Alma Mater (Clemson!) that might love the bangle with orange and crystal beads.Screenshot (132)

The prices are great, although I won’t know anything about the quality of the piece until it arrives (review are 83% positive…biggest detriment is for issues with the redemption code – yes, I’m having this problem – and, oddly enough, that the bracelets smell…?)

Screenshot (130)

Bridesmaid Wedding Day Jewelry

I think it’s great if you can give your bridesmaids a gift they’ll use again; jewelry intended for your wedding day might never fit into their wardrobe again. With prices like these, you might have some room in your budget to buy a tasteful gift along with costume jewelry for your event. Or, just the contrary; these would make great gifts if you’ve already picked out wedding day jewelry!

I’m a big fan of gift baskets. You’ll be able to pick out a handful of small items that will be fun to open, especially if you wrap them up and use a trendy tote instead of a woven basket (unless your gals are into that sort of thing.) Take a look at my Bridesmaid Gift catalog for more ideas (please consider the no-obligation option to add me as your personal shopper – I would be flattered!)

Screenshot (129) New to Groupon?

Please consider using my referral link!

Join Groupon and we’ll each get $10 when you purchase your first deal. Be sure to join right before you make a purchase, because the $10 promo is only valid for 72 hours from the time you join!


What gifts did you discover for your bridesmaids?

Leave a comment!

Why rent? Buy a tuxedo for the same price!

Assuming your tux rental (we’re just talking jacket and pants) is $200 at Men’s Warehouse or other retailers, I am definitely an advocate for having the groom, fathers, and groomsmen purchase a tuxedo rather than renting. If you’re going to choose the economy options that are under $100 with tailoring and accessories, you are probably better off renting. However, buying is especially valuable if it’s inconvenient or implausible to pick up the tuxedos on the day of the wedding – for example, there weren’t any options in Kauai that seemed reliable for our wedding – or if the shop charges a daily fee if you can’t return them the next day. Most of us weren’t returning for an additional three or four days, which would have been an extra $80! There are also fewer opportunities for last minute crises when the guys own, pick up, and tailor their tuxedos in advance. Plus…if you ever need to wear it again (who doesn’t?) it has paid for itself and is ready at a moment’s notice!

There are a handful of places that have outstanding sales throughout the year. Here’s a great option that pops up on a regular basis: Express is offering 50% off everything. That makes a standard tuxedo only $238!

Tuxedo

Of COURSE we can do better by stacking promotions! Take a look at these offers via cashbackmonitor.com:

EXPRESS

If you’re a Discover card holder taking advantage of the Double offer (if not, you should be!) that means you’ll get a whopping 20% back on each tuxedo, for a total of $23.80*2 = $47.60 off, or $190.40.

Done! Less than the typical cost to rent.

 

Don’t have a Discover card? Let’s try another deal. Buying a discount gift card will save us up to 20% off, too. Note that you won’t earn Discover cash back if you pay with a gift card, but that isn’t the rule with most of the other programs. So, you could buy an Express gift card at 20% off and use it to purchase your tuxedo via Ebates, Rapid Rewards, etc, and earn yourself some free loyalty miles.

gcg

What about the shirts, shoes, tie, etc…

Express has those, too. So does Kohl’s, among an endless list of other stores. I have a handful of ideas to help you save some cash on those purchases. Since that “stuff” tends to be custom for each event, I think it’s reasonable to put $30-$50 into the accessories and worth buying a comfortable pair of dress shoes that will get some use.

What do you think?

Are you renting or buying? Where did you pick up your accessories?

Wine, Magazines, and 1600 Southwest Rapid Rewards Points for $50

Vinesse Wine Club: $42 for 1400 Points

I think this is a good deal, since I would pay $50 for six bottles of wine, anyway. If you are hosting or need gifts (you wouldn’t show up to a holiday party empty handed, would you? New Year’s Eve is coming up!), this is an even better opportunity. As for us? We don’t need an excuse to stock up…

There do not appear to be any restrictions requiring a year long membership and the policy says you can cancel your membership immediately. For me, that means when the first shipment arrives, I’ll call to cancel. This comes out to around 32 pts/dollar, depending on your state’s tax situation. There aren’t many valuable offers out there for products you’ll actually use at this earn rate. Simply navigate to rapidrewardsshopping.southwest.com for this offer.

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$7 for 200 points (oh, and a magazine subscription…)

I’m not a big magazine reader – but paying $7 for 200 points is a rate of around 28 pts/dollar. This is actually slightly less than the price to buy points (36 pts/dollar) – but these count toward your Companion Pass and you get the magazine subscription out of it.

Screenshot (97)

Here’s a snapshot of the cheapest subscription offers. Note that there does not appear to be a 1 per household limit, so you could stock up on this. Price is going to be somewhere around $35/1000 points. If you’re close to that Companion Pass or in need of topping off for an award flight, it’s worth considering.

Screenshot (98)

What do you think?

Are these offers worthwhile to you? Which magazine did you choose?

Up to 34% Off Engagement Rings at Zales!

This is a darn good deal!

If you’re not a Discover cardholder and it’s diamond-shoppin’ time, you might want to take a few minutes to consider this option.

zales

First, sign up for your card at discover.com/double – this DOUBLES all cash back for your first year as a cardholder (plus offers no interest for a whole year! See the last portion of the post for more…) So, when you see Discover Deals (the Discover portal) offering 10% back, that makes it an easy 20% back. Zales has 10% back through the end of the year – just be sure to read the fine print, as it says not valid with other offers. But, does that rule really apply? The answer is “YMMV” – your mileage may vary (you’ll see this expression around many travel blogs and deal sites as a disclaimer that the promotion might not work exactly as advertised, so proceed at your own discretion.) Zales is currently offering 15% off on $1,500, but it may not pair with the Discover offer. So, it’s your choice whether or not to take the chance. Let’s do the math and decide.

Just the 15% Off: Assuming you’re buying a $2,000 engagement ring. That would trigger the 15% off, or a $1,700 sticker price. You should probably use a new credit card that has a sign up bonus on $1,000 so you can make progress toward that free honeymoon! However, if you use your Discover card, you’ll get the standard 1% back, doubled to 2%, for an extra $34 off. Your price would be $1,668.

Just the 20% Back at Discover: Assuming you’re buying a $2,000 engagement ring, your price would be $2,000 and you’ll get $400 in cash back through the bonus plus the standard 1%, or $20, doubled to $40. Your price would be $1,580.

Use both, cross your fingers it works:  Assuming you’re buying a $2,000 engagement ring, your price would be $1,700 after the 15% discount and you’ll get $340 in cash back through the bonus plus the standard 1%, or $17, doubled to $34. End price is $1,326 – a total discount of about 34% off!

What would I do? I would definitely use the 15% off code and shop through the Discover portal! I could save an ADDITIONAL 16% over just using the 20% portal offer ($1,326 vs $1,580), and will pay an “extra” 6%, at most, if I only get the 15% without the cash back bonus ($1,668 vs $1,580.) The only factor that might change my mind would be a significant travel bonus if I used a non-Discover card on the purchase.

Don’t know what you’re shopping for?

If you need help picking out a stone online, don’t hesitate to ask for help. I also suggest the folks over at Price Scope and the Holloway Cut Adviser as great tools for your search. You should pop in to a store or two to get a feel for your personal preference and corresponding prices to make sure this is the best deal you can find.

I might be poking around for a gift for myself, with these prices…

Obligatory financial responsibility statement

Using a credit card takes responsibility. This card happens to come with 0% interest for ONE YEAR. In other words, if you can’t pay off the purchase in ONE YEAR, don’t make it! The rates skyrocket to 10-20% in the 13th month, which will immediately wipe out any savings from using the card!

$1 for 1,100 Southwest Rapid Rewards Points

My fabulous sister-in-law found this one on her pursuit to close out her Companion Pass this year. I had to jump on it! 1,100 points are worth $10-20, depending on whether you have an active Companion Pass.

Locating the Offer

Just log in to Southwest Rapid Rewards and navigate to “All Online Offers” (mid way down on the left.) Sort by highest earn rate and you’ll find The Wall Street Journal at 1100 points. You’ll want to hover your mouse over the name until the “Store Details” icon pops up. Click there to get access to the screen below.

1100 Points

Just select one of the radio buttons that offers 2 months for $1 (two month subscription) and you’ll be on your way. My advice is to set a reminder to cancel the subscription in about a week, or as soon as you see the purchase track through your account. How do you check? From the top right corner of the Rapid Rewards Shopping site, click your rewards number under your name. You should see recent transactions and visited sites.

What do you think?

Is this a deal you’ll participate in? I wish it was always $1 for 1,100 points! This offer certainly takes a minimal amount of time and money to complete – just don’t forget to cancel that subscription!