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Earn, Invest, save with these amazing Programs I use on a daily basis, I am an affiliate marketer and I've been testing out apps/Websites with their referral and Loyalty programs for 5 1/2 years. I Love these programs and I've truly seen them help me with finances, Budgeting, Organization and more. You will see business opportunities in this list, Perks such as Cashback(s), Gift-cards & Programs You never knew existed. If you're a business owner and don't see your Loyalty program here and would like for me to post if for you. Send me a message at CaroleenaCardoso@mail.com to discuss business.
thank you,
𝒞𝒶𝓇𝑜𝓁𝑒𝑒𝓃𝒶
thank you,
𝒞𝒶𝓇𝑜𝓁𝑒𝑒𝓃𝒶
The programs I use that have been helpful 100%
# 1 On the List is KOHO
When you Sign up to Koho clicking this Button Below You will receive an extra 1% on your spending for next 90 days in order to qualify you must spend money using your Koho card within 30 days.
What is KOHO?
It is a CANADIAN bank in order to help Canadians SAVE money. When you join KOHO you get Cashbacks for spending Money They offer KOHO Premium, Joint Account, or Regular Koho Account.
Regular Koho account allows you to have the following; 0.5% Cash back on all purchases, No Account Fees, Roundups, Extra Cashback at select Merchants. Lock your card in-app. ($0 Monthly)
if you want the Premium Version of KOHO it will cost you $9 Monthly for the following features 2% Cashback on transportation, Groceries, and restaurants. No Fx Fees, Financial Coaching, 1 free International Atm Withdrawal per Month, Price matching, Access to full-service virtual healthcare an annual subscription
Joint Account 0.5% Cashback on all purchases, Easily Shared Finances, Extra cash back at select merchants, Shared saving Goals, Instant Notifications when you and your partner Spend. ($0 Monthly) In my opinion if you are reside in Canada this is the best Card for you.
Koho also has an option to show you your spending to help you finance better. In the app. No Monthly Fees (Unless you Choose Premium Version ($9 Monthly for More) No interest Charges, No NSFS, No E-Transfer Fees!
You can use KOHO to pay bills, send free e-Transfers, pay your credit card bill, shop online, get money from an ATM, fund your investment account, and more. There are very few features we don’t have, so why bother paying pesky bank fees at another institution?
Koho also offers Early Payroll where you can get paid $100 earlier then your pay, (once you get paid) Koho will collect it back on a specific date. This is kind of similar to overdraft. They have cash backs, Roundups to where they round up your money when you spend, You can make goals and save money in there. I love the way Koho's presented the App is so Clear and collective where its so easy to navigate and understand. Another feature I love about KOHO is they way it tells "You Got Paid" or when money is spent and your getting low on funds.
They also partnered with a lot of merchants in order to collect extra cashbacks as well! Ex: Altitude Sports, Chefs Plate, Frank And Oak, Greenhouse, Harveys, Indigo (Online), IQ Food Co, JJ Bean, Mary Browns, Natura Market, Pizza Pizza, Pizza 73, Public Mobile Second Closet, Sunwing, Well.ca - All of these are Extra Cashback offers with Different cashback percentages. (Check the app for more details) under "Perks"
I've been personally using KOHO for 2 years now, I left my previous bank because I felt like the monthly fees weren't worth what I got with it. I never had any perk(s) with my previous bank either (No cashbacks, No round-ups, No goals or even financial Coaching. I feel like KOHO is on to something with saving money on cost(s) such as Interest Fees, Monthly Fees, Overdraft Fees, NSF fees. I know my previous bank would always get me with a NSF fee. It never sat well with me that I could never get my money back or I had to fight with the bank to make a "1 time adjustment" We shouldn't feel like that when it comes to money and feeling like you back is against the wall with your finances. I am so grateful that they're a bank and that they're Canadian based.
It is a CANADIAN bank in order to help Canadians SAVE money. When you join KOHO you get Cashbacks for spending Money They offer KOHO Premium, Joint Account, or Regular Koho Account.
Regular Koho account allows you to have the following; 0.5% Cash back on all purchases, No Account Fees, Roundups, Extra Cashback at select Merchants. Lock your card in-app. ($0 Monthly)
if you want the Premium Version of KOHO it will cost you $9 Monthly for the following features 2% Cashback on transportation, Groceries, and restaurants. No Fx Fees, Financial Coaching, 1 free International Atm Withdrawal per Month, Price matching, Access to full-service virtual healthcare an annual subscription
Joint Account 0.5% Cashback on all purchases, Easily Shared Finances, Extra cash back at select merchants, Shared saving Goals, Instant Notifications when you and your partner Spend. ($0 Monthly) In my opinion if you are reside in Canada this is the best Card for you.
Koho also has an option to show you your spending to help you finance better. In the app. No Monthly Fees (Unless you Choose Premium Version ($9 Monthly for More) No interest Charges, No NSFS, No E-Transfer Fees!
You can use KOHO to pay bills, send free e-Transfers, pay your credit card bill, shop online, get money from an ATM, fund your investment account, and more. There are very few features we don’t have, so why bother paying pesky bank fees at another institution?
Koho also offers Early Payroll where you can get paid $100 earlier then your pay, (once you get paid) Koho will collect it back on a specific date. This is kind of similar to overdraft. They have cash backs, Roundups to where they round up your money when you spend, You can make goals and save money in there. I love the way Koho's presented the App is so Clear and collective where its so easy to navigate and understand. Another feature I love about KOHO is they way it tells "You Got Paid" or when money is spent and your getting low on funds.
They also partnered with a lot of merchants in order to collect extra cashbacks as well! Ex: Altitude Sports, Chefs Plate, Frank And Oak, Greenhouse, Harveys, Indigo (Online), IQ Food Co, JJ Bean, Mary Browns, Natura Market, Pizza Pizza, Pizza 73, Public Mobile Second Closet, Sunwing, Well.ca - All of these are Extra Cashback offers with Different cashback percentages. (Check the app for more details) under "Perks"
I've been personally using KOHO for 2 years now, I left my previous bank because I felt like the monthly fees weren't worth what I got with it. I never had any perk(s) with my previous bank either (No cashbacks, No round-ups, No goals or even financial Coaching. I feel like KOHO is on to something with saving money on cost(s) such as Interest Fees, Monthly Fees, Overdraft Fees, NSF fees. I know my previous bank would always get me with a NSF fee. It never sat well with me that I could never get my money back or I had to fight with the bank to make a "1 time adjustment" We shouldn't feel like that when it comes to money and feeling like you back is against the wall with your finances. I am so grateful that they're a bank and that they're Canadian based.
#2 STACK
When you sign up using my Affiliate link you earn $5.00, They have tiers. 10 People $5 each, the next level is All-Star where you will earn $10 for your second 5 Referrals, Then Champion which is Tier 3 you will receive $15.00 (for your Eleventh Referral) and $15 each for everyone after that! This PROGRAM is amazing! (Just for signing up people for a FREE account?) you've got to be kidding!
Why should I sign up to STACK? First reason is you will get A FREE $5.00 upon joining! other reasons have to do with every time you spend money on shopping there is incredible cashbacks. This is also Canadian Based. It is a Prepaid Mastercard. Many reasons include the following:
#3. Mistplay
what is misplay? Mistplay is an game app, If you like earning money for playing games this is for you! it is free to download when you join Misplay you will receive 50 units upon earnings towards Gift-cards. You can exchange your units for Different Avatars, Amazon gift-card 0.50, $5.00, $10.00, $25.00. Visa Gift-card for $5.00, $10.00, $25.00. Walmart Gift-card for $5.00, $10.00, $15.00. Xbox Gift-card $15.00, $25.00 Apple Gift-card for $10.00, $15.00. Best buy for $10.00, $25.00, $50.00 Cineplex for $10.00, $25.00, $50.00 Also you can donate to United Nations Foundations starting at 0.50, $5.00, $10.00. Join today and Earn Gift-cards. Pay some bills with your Visa Gift-card or shop online! JOIN HERE: Contests Daily to win Prize, Sign in daily (Play for at least 5 minutes) and you can get units for having a streak! Chat with people, follow and make friends. Its a great community and always feels Rewarding, playing games for money!
- No monthly or annual account fees
- No foreign exchange fees
- No ATM withdrawal fees
- $5 sign-up bonus
- Free and fast STACK-to-STACK transfers
- Automated savings plan
- Free replacement card
- Free budgeting tool in-app
- Worldwide acceptability of MasterCard and Zero Liability Protection
- Everyday rewards
#3. Mistplay
what is misplay? Mistplay is an game app, If you like earning money for playing games this is for you! it is free to download when you join Misplay you will receive 50 units upon earnings towards Gift-cards. You can exchange your units for Different Avatars, Amazon gift-card 0.50, $5.00, $10.00, $25.00. Visa Gift-card for $5.00, $10.00, $25.00. Walmart Gift-card for $5.00, $10.00, $15.00. Xbox Gift-card $15.00, $25.00 Apple Gift-card for $10.00, $15.00. Best buy for $10.00, $25.00, $50.00 Cineplex for $10.00, $25.00, $50.00 Also you can donate to United Nations Foundations starting at 0.50, $5.00, $10.00. Join today and Earn Gift-cards. Pay some bills with your Visa Gift-card or shop online! JOIN HERE: Contests Daily to win Prize, Sign in daily (Play for at least 5 minutes) and you can get units for having a streak! Chat with people, follow and make friends. Its a great community and always feels Rewarding, playing games for money!
Join Mistplay Here:
When You Processed your gift-card its normally super Fast between 24-48 hours you can get it sent to you virtually or you can get it mailed but, if you get it mailed they take a processing fee of $3.00 ENJOY your gaming! Get your 50 BONUS units here! :)
When You Processed your gift-card its normally super Fast between 24-48 hours you can get it sent to you virtually or you can get it mailed but, if you get it mailed they take a processing fee of $3.00 ENJOY your gaming! Get your 50 BONUS units here! :)
#4 MLMgateway - A free advertising site to post about your business, They have forums, You can earn CREDITS by posting business announcements. You can use these credits to advertise, put banners up, create Landing pages, Speak to people who message you about your business. posting campaigns, and more. They also have a monthly GIVE AWAY of $3000 sign up here to JOIN!
#5 - ci direct investing- Build better savings habits with our easy automated savings and investment app. Check in on your investments and get financial advice right from your phone.
Whether you've got $1,000 or $1 million, we make accessing professionally managed investments and financial advice ridiculously easy. Get 10k Managed for free! We'll match you to the right investment.We'll help you find the right account type and investment portfolio for your goals. We take care of the day-to-day.
We manage and balance your portfolio for you — so you can spend more time doing… well, anything. Feel confident about your future. Stay connected to your money and get financial advice right from our easy-to-use mobile app or website.
We manage and balance your portfolio for you — so you can spend more time doing… well, anything. Feel confident about your future. Stay connected to your money and get financial advice right from our easy-to-use mobile app or website.
- Invest in thousands of companies from around the world, all professionally selected and managed to help grow your money.
- Get advice, not a sales pitch, from a Certified Financial Planner® included. We'll tailor your financial plan to your needs, not ours.. We'll tailor your financial plan to your needs, not ours.
- Build better savings habits with our easy automated savings and investment app. Check in on your investments and get financial advice right from your phone.
- **BONUS** - INVEST 5k and get $50.00 to put towards your retirement or Investment.
JOIN NOW
- #6! CROWDFIRE- If you have a busy Schedule or just simply want to RELAX and spend time alone time or family time You've got this working for you for CONTENT so, People think you haven't left the SOCIAL sites but, Really you're giving them a taste of what they can see without you working! it is incredible. The perks that CrowdFire has are:
- Automatically discover articles and images your audience will love, so you can share them to all your social profiles and keep your timelines buzzing! (Great For impressions and upcoming Reviews, Followers and more!)
- Publish content from your own blogs and sites
- Keep an eye out for updates from your website, blog or online shops and create quick, beautiful posts for every update to easily share on all your social profiles!
Pre-schedule all of your content
Schedule all your posts in advance and publish them automatically at the best times or at times chosen by you, saving you tons of time and effort!
Get tailored posts for every social-network
Automagically customize your posts for all your social profiles, taking away the headache of crafting separate posts for each individual social network!
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More amazing features… - Get images based on your favourite topics
- Use the Chrome extension to share articles you like
- Add your own RSS feeds
- Crowdfire helps you discover and schedule content, and manage all your social accounts from one place