7 Tiny Hacks Deal Experts Use for Extreme Savings

Are you tired of watching your hard-earned cash slip away? 

Say goodbye to overpaying and hello to extreme savings with these seven hacks that’ll turn you into a true savings expert. 

#1. The “Cancel Shuffle” Discount Tactic

Some companies are secretly hoping you’ll never hit that cancel button. 

Well, it’s time to use that against them!

Here’s the hack: When you threaten to cancel, many companies panic and offer sweet deals to keep you around. 

It’s like they’re playing chicken with your wallet—and you’ve got the upper hand. With the “Cancel Shuffle,” you don’t cancel the service. You just hit “cancel,” wait for the offers to pop up, and pocket the savings.

While the offers will vary by the day, here are some actual examples of people saving money doing this.

• Audible: Cancel during your trial or membership for 50% off for 3 months or free credits
• Hulu: Unlocks $2.99/month deals for 6 months (90% success rate!) 
• Credit Card Companies: American Express often offers retention bonuses like 30,000 points or annual fee waivers when you call to cancel
• Paramount+: Frequently gives multiple months for free when you attempt to cancel

Pro tip: Set calendar reminders to try this every few months. Companies often have different offers throughout the year (especially Black Friday) and you might snag an even better deal next time around.

#2. Grab The Top Bonuses From The Top Cashback Sites

You’re leaving hundreds of dollars on the table if you’re not using cashback sites.

Here’s how to turn everyday spending into free money (and even score “paid-to-shop” deals!).

1. Create an account on the top cashback sites
2. Instead of going directly to Amazon/Walmart, click the cashback site’s portal first.
3. Get 2%-30%+ of your purchase back as cash, gift cards, or points.

Why this works: Retailers pay cashback sites hefty commissions for sending shoppers their way. The best sites like Kudos pass 100% of these commissions to you.

Here’s a cashback shopping hack the experts use. Cashback sites often offer generous sign-up bonuses for your first qualified purchase, which can lead to getting items practically for free when combined with regular cashback. 

Say you buy a $33 item through a cashback site offering 10% back plus a $30 new member bonus. You’ll earn $3.30 in cashback from the purchase itself, plus the $30 bonus for being a new member. That’s a total of $33.30 coming back to you, which means you’ve essentially gotten the item for free – and even made a 30-cent profit! 

A bunch of cashback sites offer great bonuses, here are the top ones, you should grab right now:

• Rakuten: $30 bonus after making your first qualifying purchase of $30 or more. 
• Kudos: $20 cashback when you spend $30 or more.
• GoCashback: $15 bonus after you earn $10 in cashback and use the referral code, “wealth”

#3. The Referral Buddy System: Double Your Rewards

Want to double your savings with almost zero extra effort? 

Get yourself a referral buddy—a friend, spouse, or family member who’s also into scoring deals.

The idea is simple: When you sign up for a cashback site, rewards app, or credit card with a referral bonus, you and your buddy take turns referring each other—so both of you earn rewards twice instead of once.

Here’s where this works weel:

• Rakuten: Sign up and get $30 after spending $30. Then, refer your spouse or friend—they sign up, spend $30, and you both get another $30. That’s $60 in total. If you’re in the same household and take turns referring each other, you can stack this to earn up to $90.
• Credit Card Referrals: Some credit cards (like Chase and Amex) give referral bonuses worth hundreds of dollars in points. If your spouse needs a card, refer them instead of applying directly—those points could cover a free flight or hotel stay.
• Swagbucks: Sign up and get a $10 bonus, but here’s the trick—when you refer someone, you earn 10% of their Swagbucks for life. That means if your spouse earns $500 worth of Swagbucks, you get an extra $50 just for referring them—for free. Read our Swagbucks review to learn how this site works. 

So many cashback apps, bank accounts, and shopping platforms offer referral bonuses, so keep referring and stacking rewards to maximize your savings over time.

#4. Dine Like Royalty on a Peasant’s Budget with InKind

Tired of eating ramen while dreaming of steak?

The InKind app makes dining at high-end restaurants more affordable by giving you bonus dining credits when you load funds into your account.

InKind partners with over 3,000 quality restaurants across the country, allowing you to buy dining credits at a discount. The more you load, the more you get back. Instead of paying with cash or a credit card, you redeem these credits when dining out.

InKind regularly offers bonus credits of around 25% when you purchase dining funds upfront inside the app.

While that’s already a solid deal, the best way to maximize your savings is by waiting for InKind gift cards to go on sale at Costco. Costco frequently sells $100 InKind gift cards for $59.99, effectively giving you 40% more value instantly.

So, here’s how this del would work:

1. Buy discounted InKind gift cards through Costco for $59.99
2. Sign up with a referral link to get a $25 bonus after spending $50 on your first meal.
3. After stacking the Costco deal, you’ll spend about $60 for $100 in dining credits.
4. InKind’s rewards program gives up to 20% back in credits on what you spend, adding even more value.

If you refer your spouse, they can repeat the deal, letting both of you stack even more savings.

#5. The Triple Stack: Turning Your Shopping into a Cash Machine

Ever feel like you’re leaving money on the table when you shop? You probably are. Let’s fix that with the “Triple Stack” – a technique that’ll have you earning cash back like a pro.

Here’s the deal: You can combine three money-saving tricks on a single purchase:

1. Cashback Portals: Websites that pay you to shop through their links.
2. Credit Card Offers: These offers are targeted discounts and cashback deals found in your online banking portal or mobile app under sections like “Offers,” “Deals,” or “Rewards.”
3. Cashback Credit Cards: Your trusty card that earns rewards on every swipe.

Now, let’s see this in action with a hypothetical example:

You’re eyeing a $100 pair of Nike shoes. Here’s how you can stack:

1. Cashback Portal: Use Kudos, a site that gives 100% of its commission to you. Let’s say they offer 12% back on Nike purchases, plus a $20 welcome bonus for new users spending $30+.
2. Credit Card Offer: Let’s say your Chase card has a “Chase Offer” for $10 back when you spend $75+ at Nike.
3. Cashback Credit Card: You’ll pay with your Chase Freedom Unlimited, earning 1.5% cash back.

Let’s crunch the numbers:

• Nike has a 20% off sale: $100 – $20 = $80
• Kudos cashback: 12% of $80 = $9.60
• Kudos welcome bonus: $20
• Chase Offer: $10
• Credit card cashback: 1.5% of $80 = $1.20

Total savings: $60.80

You just scored $100 shoes for $39.20 – that’s 60% off!

Pro Tips:

• You can’t use multiple cashback portals, so pick the best one.
• Some credit cards have their shopping portals. Use these if they offer better rates.
• Stack manufacturer rebates and store loyalty programs for even more savings.

#6. Gift Card Arbitrage with Pepper

Want to turn every purchase into a turbocharged savings engine? Meet Pepper App – the secret weapon of deal-stacking pros. 

Here’s how it works:

Pepper lets you buy gift cards at a discount, typically 5-20% off face value. But that’s just the start. You also earn 1-4% back in Pepper Points on every gift card purchase, with flash sales offering up to 8-20% back. The best part? You can stack these savings with credit card rewards and offers like Amex or Chase deals.

Let’s see this in action with a $100 Nike purchase:

1. Buy a $100 Nike gift card on Pepper for $90 (10% off)
2. Earn 8% back in Pepper Points during a flash sale ($7.20)
3. Stack with an Amex Offer: $10 back on $75+ Pepper spend
4. Pay with for the gift card on Pepper a 2% cashback card for another $1.80 in rewards

Total cost after stacking: $71.00.

Pro tips: Keep an eye out for Pepper’s best deals, like 5% off Amazon gift cards with 8% cashback. Remember, Pepper Points expire after 60 days, so use them quickly!

#7.  Join The Ways to Wealth’s Weekly Deal Newsletter

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