Our New Monthly Edition!
Hello, deal hunters! With Black Friday on the horizon and holiday spending revving up, we’ve decided its time for a refresh of the Easy Money Alert newsletter to maximize the value we provide. Moving forward we’re moving to a monthly edition, so we can highlight only the best deals and opportunities of the month. We hope you find this new format more engaging and more rewarding.

Here’s your go-to guide to glide through November with easy cash back in your pocket!

Best Bank Bonuses in November 🎯

Capital One 360 Checking: $250 Cash Bonus

Requirements: Sign up with code CHECKING250 and get at least two $500+ direct deposits within the first 75 days.
Need to Know: No fees, no minimum balance, and snag an extra $100 digital gift card after a financial chat with a BMO banker.
Why It’s Worth It: Free money with no fees attached—Capital One keeps it refreshingly simple and rewarding.
Action: Snag your $250 bonus here

Wells Fargo Everyday Checking: $300 Signup Bonus

Requirements: Open an account with a $25 deposit, then set up $1,000+ in direct deposits within 90 days.
Need to Know: They’re practically paying you for showing up. Keep that $1,000 rolling in, and you’re golden.
Why It’s Worth It: For $25 down, you’re walking away with $300—return on investment doesn’t get much better.
Action: Get started with Wells Fargo

Fifth Third Momentum® Checking: $400 Cash Bonus

Requirements: Direct deposits totaling $500+ within 90 days of account opening; apply with a unique code sent via email.
Need to Know: The offer’s only good through Nov. 16, so don’t drag your feet.
Why It’s Worth It: A solid $400 bonus for meeting a direct deposit threshold that’s pretty manageable.
Action: Apply for Fifth Third’s offer here

Top Credit Card Signup Bonuses for November 💳

Chase Sapphire Preferred: $1,050 Travel Value

Requirements: Spend $4,000 in the first 3 months to earn 60,000 points (worth $750 in travel) plus a $300 travel credit.
Need to Know: $95 annual fee, but the value you’re getting back is just ridiculous.
Why It’s Worth It: Chase Sapphire Preferred consistently ranks high for travel rewards; if you’re planning a trip, this card practically pays for itself.
Action: Check out the Chase Sapphire Preferred

American Express Blue Cash Preferred: $250 Statement Credit

Requirements: Spend $3,000 in 6 months, and Amex will reward you with $250 in statement credits.
Need to Know: No annual fee for the first year, then $95 after; plus, the card gives 6% cash back at supermarkets.
Why It’s Worth It: Amex knows your grocery budget is probably a monster—6% back makes taming it a little easier.
Action: Apply for Amex Blue Cash Preferred

Discover it® Cash Back: Unlimited Cashback Match

Requirements: No minimum spending—just use the card, and Discover will match your cashback at the end of year one.
Need to Know: $0 annual fee, 5% cash back on rotating categories.
Why It’s Worth It: It’s like a BOGO for cash back—every dollar you earn, they match.
Action: Learn more about Discover it Cash Back

November Big Savings Events 🛒

Black Friday deals—That’s what November is all about.

This month we’re providing you key start dates for all the major retailers and some hot tips for finding the best deals.

It's worth noting that while Black Friday traditionally falls on the day after Thanksgiving (which would be November 29, 2024), many retailers are starting their sales earlier. For example:

• Costco appears to be kicking off their Black Friday deals earliest, starting November 1.

• Home Depot follows with a November 7 start date.

• Walmart begins on November 11.

Other retailers like Target, Best Buy, and Kohl's are starting their main Black Friday events in the week leading up to Thanksgiving.

Keep in mind that while these are the official start dates for Black Friday events, many retailers also offer early access deals or pre-Black Friday sales throughout November. So it's a good idea to start watching for deals even earlier if you're looking for the best savings.

11 Super Saver Tips for Black Friday Shopping

1. Create a Shopping List: Identify essential items you want or need and prioritize them. This helps avoid impulse purchases and keeps your spending in check.

2. Set a Budget: Determine how much you can afford to spend overall and allocate specific amounts for each item on your list. This prevents overspending during the shopping frenzy.

3. Research Deals in Advance: Many retailers release their Black Friday deals ahead of time. Compare prices across different stores to ensure you're getting the best deal possible.

4. Use Price Trackers: Tools like CamelCamelCamel can help you track price changes over time, ensuring you purchase items at their lowest price.

5. Set Up Sale Alerts: Use apps or retailer websites to set alerts for specific products. This way, you'll be notified when prices drop, allowing you to snag deals quickly.

6. Sign Up for Newsletters: Many retailers offer exclusive discounts or early access to sales for subscribers. Signing up can give you a head start on the best deals.

7. Shop Online: Avoid the chaos of in-store shopping by taking advantage of online deals. This allows for easier price comparisons and often includes free shipping options.

8. Look for Gift Card Promotions: Some retailers offer bonuses when purchasing gift cards (e.g., buy a $50 gift card for $40). This can effectively stretch your budget further.

9. Consider Last Year’s Models: When shopping for electronics or appliances, opting for last year's models can lead to significant savings while still providing excellent performance.

10. Check Return Policies: Familiarize yourself with return policies before making purchases, especially if prices drop further after your purchase. Some retailers offer price matching or easy returns that can save you money later.

11. Use Cashback and Rewards Programs: If available, utilize credit cards that offer cashback or rewards points on purchases to maximize your savings further.

Disclaimer: Offers and deals are subject to change. Always check the merchant's website for the most current information.

That’s a wrap on November! Remember, these deals are fleeting, and you’re only one click away from pocketing some easy money. Til next month, keep it savvy and stay in the black!