Monthly Archives: August 2011

How to Save Money on Cigarettes

Tobacco users already know that quitting is the best way to save money, but it’s not an option for everyone. Here are a few tips to keep your tobacco costs down and within a budget.

  • Roll your own cigarettes. Rolling tobacco is significantly cheaper than cigarette packs because it’s taxed at a lower rate. Rolling papers and filters are also cheap and can be purchased in bulk online for additional savings. You may want to buy a rolling machine, but the basic models are cheap and will pay for themselves quickly.
  • Additionally, rolling tobacco tends to be fresher and of higher quality. Using your own rolling papers lets you avoid annoying firesafe cigarettes and all of the unhealthy additives that come with it. This gives your cigarette a smoother burn, better taste, and a generally more pleasant smoking experience.
  • Switch to smokeless tobacco. This is by far the cheapest option next to outright quitting. Cans of moist snuff are often several dollars cheaper than packs of cigarettes, and they’re also frequently on sale. A small pinch of dip will give you several cigarettes-worth of nicotine at once, making a can last far longer than your average pack of cigarettes.
  • Sign up for tobacco company newsletters and mailings. Tobacco companies are very generous with handing out coupons. For example, I frequently receive unexpected cigarette coupons and dip coupons in the mail, especially when a company is launching a new flavor or product. They’ll often send out coupons for free packs or cans to get you to try it.
  • Check your favorite cigarette’s official website for coupons. Many companies allow you to print them off their website. Sometimes they reset the print limit at the beginning of the month or change the coupons, so be sure to check their website occasionally.
  • Bonus tip:  Use your coupons at a supermarket with a double coupon policy for extra savings.

cigarette rolling machinePlease keep your comments relevant to the topic of saving money on tobacco products. Tobacco users are already aware of the health risks and high financial costs, so pointing out either is unnecessary and will end with your comment being deleted. Sorry to be harsh, but I’m not going to let this post devolve into rants about smokers and nonsmokers alike. Save it for your own blog.

What the Paid Online Survey Companies Don’t Tell You

paid survey scam

You’ll find a lot of people on the internet who want to tell you about how they make money from online surveys. They’ll post screenshots or pictures of checks with three digit payouts from ___ survey company, and tell you how it’s totally not a scam. What they aren’t telling you is that they made most or all of that money by referring people to survey companies. Not only do they get paid each time someone signs up for a new account through their referral link, but also every time their referrals complete a survey. Why do you think they are so eager to tell you about the money they earned? They want you to do the work for them!

What these survey company promoters also neglect to tell you is how difficult it is to make money through surveys alone. Survey companies often set very high minimum payouts or have rules that allow them to shut down your account and take away your earnings on a whim. These rules are designed to make it as difficult as possible to receive an actual payout. There’s also the matter of each mind-numbing survey taking upwards of 30 minutes of your time to complete. Even when you’re broke and need the money, it’s very easy to give up out of frustration and boredom. That’s what the survey companies are counting on and why they are so generous to their affiliates. As absurd as it sounds, part of their business model depends on a large percentage of their survey takers giving up before they reach the minimum payout, so they need a constant influx of new blood into the system.

Tips for Avoiding Online Survey Scams

If you still want to take your chances with online surveys, here are a set of guidelines to follow to avoid scams and shady survey companies.

  • Avoid companies with high minimum payouts. The longer your hard-earned money sits in your account, the greater chance you’ll either give up on online surveys entirely or they’ll find a way to make your account inactive before payday.
  • Be skeptical of companies with convoluted point systems. Many companies use point systems as a tactic for covering up their high minimum payments and very low survey rewards. If you’re only getting 1,000 points per survey and need 50,000 points to cash out, then it’s unlikely you’ll ever have a chance to redeem those points for money.
  • Surveys that require you to pay money or complete offers are always scams.
  • Check the TOS for policies about inactive accounts. Some companies will shut down your account and reset your earnings to zero if you don’t log in every few weeks.
  • Be skeptical of survey referral links. Referral links aren’t always a sign of deception or scams, but it’s wise to remember that the person posting them has a financial stake in you clicking on them.