15 guides
Perks and benefits guides
Plain-English guides to the discounts, rewards and benefits you may already have. General education; terms change, so always check with the provider. We don't recommend card products or earn affiliate fees.
Everyday discounts
Libraries, group discounts, price adjustments and free days.
- Your library card is worth more than you think
Books, yes, but also streaming, classes, passes and tools.
- Group discounts: just ask
Students, seniors, military, teachers and more.
- Price adjustments and price matching
Get money back when prices drop after you buy.
- Free days, free events and community perks
A lot of fun costs nothing if you know where to look.
Rewards and loyalty
Loyalty programs, card rewards, cashback and store cards.
- Loyalty programs: which are worth it?
Free programs at stores you already use, yes. Spending more to earn, no.
- Credit card rewards: the honest version
Rewards only pay if you pay the full balance every month.
- Cashback apps and shopping portals
Small savings, real privacy trade-offs.
- Store credit cards and "special financing"
Read the fine print before saving 15% at the register.
Benefits you already have
Employer perks, card benefits, insurance and memberships.
- Employer benefits you might be missing
Your benefits booklet is worth an hour of your time.
- Built-in credit card benefits
Warranties, protections and coverage you may already have.
- Insurance discounts to ask about
A ten-minute call can lower your premium.
- Are your memberships paying for themselves?
Warehouse clubs, auto clubs and subscriptions, checked.
Use them wisely
Tracking perks, annual fees and spending traps.
- Keep track of perks so you actually use them
A list, a calendar and one yearly review.
- Annual fees: is it still worth it?
Count only the benefits you actually use.
- When perks cost you more than they save
The point is to save money, not to collect points.