The Modern American Frugal Housewife Books #1-4: Complete Series
By Jill b.
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About this ebook
Get this entire "Modern American Frugal Housewife" Series!
Book #1: Home Economics
Are you looking for ideas on how to lower your living expenses?
Home Economics doesn't have to be difficult.
Inspired by Lydia Maria Francis Child's 1833 book, "The American Frugal Housewife", this book is written for the MODERN American Frugal Housewife in mind.
Includes:
- Tips on how to lower insurance costs
- How to avoid bank fees
- How to reduce household costs
- How to cut your food expenses
- Live more on less! Includes money-stretching recipes like: homemade bread, homemade mayo, how to make at least 3 different meals out of 1 whole chicken, how to use rolled oats to make instant oats as well as recipes for homemade cleaning products!
Book #2: Organic Gardening
Are you looking for ideas on how to lower your food costs or start a new hobby?
Why not do both at the same time and start a mini backyard homestead and create an edible garden?
Gardening is a wonderful activity and organic edible gardening is a thrifty way to help to reduce your food costs while providing you with healthy, nutritious food.
Includes:
• Good herbs and vegetables to plant for the frugal kitchen
• How to make your own compost and compost tea
• How to make organic pesticides
• Where to find cheap or free plants and seeds
• How to save seeds for future plantings
• Recipes
Book #3: Moms Edition
Are you are new or soon-to-be mommy looking for ideas on how to lower child-rearing costs?
Having children is great but they can be expensive if you don't watch your costs.
Includes:
• Ideas on how to save on pre-natal costs.
• How to get free or cheap formula if you're not breastfeeding.
• Reduce your chemical load - Includes recipes on how to make DIY personal care products like soap and lip balm.
This book will also teach you extreme couponing techniques to get the best or even money making deals at stores like Target (for food, diapers and more), Staples (for school supplies) and Kohl's (for clothes and household items).
Bonus: An extra tip on where you can get BRAND NEW age-appropriate books sent to your child (under age 5) every month at NO cost to you!
Book #4: Emergency Prepping
If you can survive in the arctic naked with nothing but a paperclip, this book is not for you.
If you can kill a grizzly bear with your bare hands, this book is not for you.
If you're planning for a Zombie Apocalypse or the next Ice Age, this book is not for you.
If you're just a regular person looking for practical realistic emergency bug-in prepping tips, ideas and tactics that you can use TODAY, this book IS for you.
- How can you replace gallons of chlorine bleach (for water treatment) with just 1lb of this chemical?
- How do you ration water when supply is limited?
- How can you stop bleeding with an easy-to-grow plant?
- How can you develop the best defense in a bug-in situation for little monetary cost?
Get all these questions answered and more. Written by a homesteader, this book offers practical bug-in frugal prepping ideas with the regular Joanne (or Joe) in mind. It cuts through general prepper paranoia and offers sustainable, frugal tips on how to make yourself more resilient even if TEOTWAWKI (the end of the world as we know it) never comes.
Jill b.
Self-Reliance -- One Step at a Time Get free e-books at http://byjillb.com Reliance on one job. Reliance on the agri-industrial food system. Are you ready to break free, take control and to rely on yourself? With a no-nonsense style, Jill Bong draws from her own homesteading experiences and mistakes, and writes books focusing on maximizing output with minimal input to save you time and money. Jill was born and raised in a country with one of highest population densities in the world. Dreaming of chickens and fruit trees, she left the trappings of the big city and is setting up her homestead in an American town with a population of less than 300. Jill writes under the pen name Jill b. She is an author, entrepreneur, homesteader and is the co-inventor and co-founder of Chicken Armor (http://chickenarmor.com), an affordable, low maintenance chicken saddle. She has also written over a dozen books on homesteading and self-reliance. Jill has been mentioned/quoted in various publications including The Associated Press, The New York Times, The Denver Post and ABC News. She has written for various magazines including Countryside and Small Stock Journal, Molly Green, Farm Show Magazine and Backyard Poultry Magazine. She holds an Engineering degree from an Ivy League from a previous life. At its height, her previous homestead included over 100 chickens, geese and ducks, as well as cats, a dog, bees and a donkey named Elvis. She currently learning permaculture techniques to apply to her homestead in rural Oregon. Learn more by visiting her site http://byjillb.com.
Read more from Jill B.
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The Modern American Frugal Housewife Books #1-4 - Jill b.
Table of Contents
BOOK#1: Home Economics
Introduction
Saving on Insurance
Having Good Credit Helps You to Save
Saving With Credit Cards
Using Debit Cards Can Help You To Save Money
Grocery Store Fuel Rewards/Gas Points
Additional Savings with Gift Card Purchases
Avoid Unnecessary Bank Fees
Save Your Stamps and Avoid Paying Late Fees
Free/Low Cost Financial Services
Budgets
Cut the Cellphone Subscription
Cut the Cable
Indulge in Other Activities
Deal-A-Day Websites
Cash-Back Websites
Pack A Lunch
Saving on Food
Forage!
Volunteer at A Local Food Bank
Grow Your Own Vegetables
Pick Your Own
Frugal Tips for Shopping at Your Grocery Store
Safeway
Warehouse Stores - Costco
Invest in an Extra Freezer/Fridge
Cook It!
Make What You Often Consume
Cook in Bulk
Save Money by Cooking More Efficiently
Basic Kitchen Items You’ll Need
Leftovers Make a New Meal
Simple Make-At-Home Meal Ideas
Simple Money Saving From-Scratch Recipes
Granola Bars
Homemade Vanilla Extract
Homemade Applesauce
Steak with Side
Microwaved Baked
Potato
Stretching a Chicken
Baked Chicken with Rice
Homemade Five-Spice Powder
Many-Purpose Homemade Season Salt
Baked Chicken Variations
Chicken Pot Pie
Chicken Salad
Homemade Mayonnaise
Homemade Bread
Stock
Saving Around the House
Saving on Heating Costs
Saving on Cooling Costs
Kill Those Energy Vampires
Join the Energy Choice Program
Half Your Consumption
Homemade Dishwasher Powder
Save with Distilled White Vinegar
All-Purpose Cleaning Spray
Scouring Paste
Cleaning the Garbage Disposal With Vinegar
Toilet Cleaner
Natural Air Freshener
Laundry
Homemade Laundry Soap
Conclusion
BOOK#2: Organic Gardening
Introduction
Planting Containers
Clean the Pots Before Planting
How to Clean Your Pots
Topsoil
Steaming to Sterilize
Sterilizing in the Oven
Potting Soil
Mulch
Plant Hardiness Zones
Microclimate
Soil Testing
Native Plants
Seeds
Seedlings/Plants
Heirloom vs Hybrids
Protecting Your Plants from Frost
Cold Frames
Compost
Compost Tea
Pesticides
Frugal Plants for the Kitchen Frugal
Rosemary
Propagation
Planting
Basil
Planting
Harvesting
Seed Saving
Mint
Planting
Harvesting
Cilantro
Planting
Harvesting
Seed Saving
Green Onions
Planting
Sage
Planting
Harvesting
Oregano
Planting
Tomatoes
Planting
Hardening Tomatoes
Trellising
Planting Techniques
Harvesting
Seed Saving
Zucchini/Squash
Planting
Fruit Production
Harvesting
Storage
Seed Saving
Potatoes
Sprouting Your Potatoes
Ground Planting
Container Planting
Harvesting
Seed Saving
Peppers
Planting
Harvesting
Seed Saving
Recipes
Chilli/Onion/Garlic Powder
Lemon Sage Seasoning
Homemade Italian Seasoning
Rosemary Focaccia Bread
Russian-Style Fermented Tomatoes
Conclusion
BOOK#3: Moms Edition
Introduction
Prenatal Costs
Medicaid
Military Coverage
Paying on a Sliding Scale
Saving Ideas If You Have Insurance
Make Sure Your Baby Is Insured
Free Eye-Exams
Feeding Your Baby
Women, Infants and Children
Saving On Formula
Get It for Free
Sign Up for Loyalty Programs
Buy in Bulk
See If Your Insurance Will Cover It
Make it Yourself
Baby Bottles
Diapers
Sleeping Arrangements
Car Seats
Clothing
Facebook BST
Groups
ThredUp
Free Books
The Public Library
Free Physical Books to Keep
Free eBooks
Community Resources
Baby Food
Storage
Slickdeals.net
Cashback Sites
Saving with Gift Cards
Gas Points
Amazon.com
Amazon Price-Matching
Amazon Prime Membership
Amazon.com Rewards Visa
Kohl’s/Macy’s/Dillard’s
Variable Pricing
Price-Matching At Kohl’s
Coupons
Stacking Coupons
Manufacturer and Competitor Coupons
Stacking Coupons and Price-Matching Deals
Kohl’s Cash (KC)
Kohl’s Charge Card
Kohl’s Emails
Yes2You Rewards
Rebates
Keeping Up to Date on Kohl’s Deals
Target
Mark Down Schedule
Price-Matching at Target
Stacking Deals at Target
Gift Card Deals
Coupon Overage
Target REDcard
Wal-mart
Price-Matching at Walmart
Walmart Savings Catcher
Making Your Own Personal Care Products
Homemade Lip Balm
Homemade Tubed Lip Balm
Homemade Deodorant
Homemade Soap
Lye
Getting Free Fat for Your Soap
Soap Making Process
Homemade Laundry Soap
Homemade Washing Soda
Homemade Toothpaste
Staples/Office Depot/Office Max
Staples Price-Matching
Using Coupons at Staples
Using In-Store Only Coupons On Online-Only Items
Stacking Coupons
Rebates
Ultimate Couponing - Making A Profit After Rebate
Staples Rewards
Free After Rewards
The Ink Recycling Program
Back To School (BTS)
Keeping Up to Date on Staples’ Deals
Saving for the Kids
College Savings
529 College Savings Account
Prepaid Tuition
UGMAs and UTMAs
Tax Credits
Child Tax Credits
Earned Income Credits
Conclusion
BOOK#4: Emergency Prepping
Introduction
The Necessities
Buckets and More
Water
Water Storage
Water Preservation
Chlorine
Calcium Hypochlorite
Food
Cans
Canning Your Own Food
Dried Food
Storage
MREs/Dehydrated Food
Powdered Milk Cottage Cheese
Condiments
Salt
Sweeteners
Oils
Rendering Fats
Baking Soda
Antacid
Skin Irritation Soother
Dental Care
Personal Care
Meat Tenderizer
Prepper Cornbread
Soda Bread
Buckwheat Pancakes
Seeds
Harvesting the Wild
Cookware
Caring for Your Cast-Iron Pan
Cooking without Regular Utilities
Homestead Stew
Making Charcoal
Non-Electric Slow Cooker
Solar Cooker
A Very Simple Rocket-like Stove
Composting Toilet
Personal Hygiene
Bathing
Dental Hygiene
Soap
Soap Making Process
Homemade Lye
Diapers and Sanitary Pads
Washing
Clothing
Footwear
Children’s Clothing
Health
Prescriptions
Antibiotics
First-Aid
Herbal Remedies
Financial Security
Increasing Income Streams
Reducing Debt
Gold & Silver
Cash
Personal Safety
Firearms
Knives
Working Animals
Dogs
Chickens
Bee-Keeping
Lighting
Candles
Other Lighting Sources
Power Sources
Entertainment
Community
Conclusion
Resources
Appendix
Bibliography and References
Books By Jill b.
One Last Thing
About the Author
FRUGAL1homeecsm.jpgIntroduction
Great wealth is a gift from heaven; moderate wealth results from frugality.
- Chinese Proverb
This book was inspired by The American Frugal Housewife
which was published in 1833 by American abolitionist, women's rights activist and journalist, Lydia Maria Child. Her book was of course, written with an 1800s American mindset. However, many of the ideas of frugality and of stretching one’s resources, if updated, can still apply well in the 21st century.
This book is that 21st century update to the original book. Some ideas may not be new to some readers. However, it might not be new to others. I will try my best to include as much information within this topic as possible, even if some points may seem like common sense to some readers.
Perhaps you are on a budget and would like more ideas on how to save money. Perhaps you are a stay-at-home parent who wants to find more ways to lower household costs. Whatever your reason, the main intent of my writing this book is so that you can learn how you too can save money for your household.
This book is not about going without - life’s too short for that but far too long to be constantly worrying about money. Remember that frugality should not be confused with being cheap. It is not about always paying the lowest price but rather, buying items that offer the best value. That is, buying stuff that works and lasts. Buying something cheap that you don’t really need, or that breaks after one or two uses is not being frugal.
Without further ado, let’s begin!
Ask! Ask! Ask! For Discounts/Extras/Freebies
I’m going to make this my first and most important tip: Ask nicely for discounts/extras/freebies!
● When you’re shopping, ask if you can get a discount on something that is dinged, is a display item or is close to its expiration date.
● If you are shopping for insurance, ask your agent if you qualify for additional discounts. Extra discounts may be granted based on age, gender, marital status, professional or college affiliations.
● If applicable, ask if any military/senior discounts are available. Here is a list of merchants that will grant military discounts. You can refer to http://bit.ly/1y1yzax to start you off.
● If you are making a big purchase, ask the store if they can throw in extras. It helps to talk to the manager or if it’s a small company, talk to the owner. In some cases, the salesperson may have enough say to approve the request. You may make it easier for the seller to say yes
by specifying the freebie(s) you’d like at the time of your request. For example, you can ask If you buy 5 of this item, can you get this other item for free
?
Remember: the best case scenario if you ask is that you save extra money or get something for free. The worst that will happen to you is that you’ll get a no
for a reply and you don’t get what you asked for. If you don’t ask, you will definitely not get anything!
Saving on Insurance
Mrs Child never mentioned insurance in her book. Perhaps insurance was not as prevalent in the 1830s, or perhaps it was simply something that the American housewife did not worry about in the 1800s. Today, insurance is very much a part of American life, whether you are a housewife or not.
Shop Around
As with everything else, always shop around. Good places to start are your state insurance department (http://1.usa.gov/1uJ0FkR), BankRate.com (http://bankrate.com) or the National Association of Insurance Commissioners (http://www.naic.org). That way, you will have an idea of what the average insurance rates in your area are.
Price is not the only factor to consider. Insurer service, reputation and financial stability are all additional factors to consider. After all, you’d want the risk of your insurer folding before your possible claim is paid to be as low as possible!
There are a few ways to check up on your insurer. Firstly, you can check the company’s financial stability at A.M. Best (http://www.ambest.com) and Standard & Poor’s (http://www.standardandpoors.com). Secondly, look out for news terms like financial problems
, trouble
or claims
associated with the company name. These terms indicate potential problems with the insurer. Poor customer service, records of claim disputes and being slow to pay on claims could also be indicators of a non-performing insurer.
Raise Your Deductible
A deductible is the amount of money you have to foot towards a loss before your insurance company pays out. That is, if your house was burgled and about $300 worth of household items was stolen, if your deductible is $500, the insurer will not pay out. If instead, you lost $600 in the burglary, the insurer will pay you $100 (after factoring in the $500 deductible).
The higher your deductible, the lower your premiums. Most insurers recommend having at least a $500 deductible. However, if you think you can afford to raise your deductible, you can save up to 25% on your premiums. Again, not everything is black and white. If you live in a disaster-prone area, you might want to spring for lower deductibles against those risks (eg flood, earthquakes, wildfire, hail etc).
Bundle Your Policies
Some insurers will discount your premiums if you buy more than one kind of insurance from them. For example, you may get a discount if you have life, auto and/or home insurance with one company. However, do not assume that that is the best deal. Again, shopping around. Reassess your costs and needs annually.
Improvements May Reduce Homeowner’s Insurance Premiums
In the case of homeowner’s insurance premiums, making your home more disaster resistant may lower premiums. Check with your agent what changes or upgrades will yield the best discounts. Installing smoke alarms, a security system, or having a stronger roof may lower premiums.
Reduce Premiums with Good Habits
Just as making your home is more disaster resistant may lower premiums, making yourself less risky in the eyes of insurers can lower premiums. Safe driving habits (for auto insurance), keeping in good shape, having healthy cholesterol levels and not smoking are all factors in lower premiums.
Stay With the Same Insurer
If you are happy with your insurer, staying with that company may yield additional discounts on premiums for customer loyalty. Discounts can be as much as 10% if you stay with the insurer for 6 years or more. However, be sure to keep comparing your rates and coverage against other insurers annually to make sure that you are still getting good relative terms.
Buy Only What You Need
I will repeat this point in many parts of this book (with some exceptions because being frugal doesn’t mean you should have to give up all fun in life). Insurance, however, is one of those things that buying more than you need is a total waste of money. Review your policy every year to make sure you are not paying for more coverage than your originally needed.
Home Insurance Coverage
Insure only the cost of repairing/replacing the house and its contents. There may be two kinds of coverages: replacement value or cash value. Replacement value is the amount of money it takes to replace everything at current market prices. Cash value pays the equivalent of what your property was worth when you first acquired it less depreciation. Also check to see if you are covered for temporary housing and for clean up after a fire. This coverage is usually in addition to your basic coverage. In areas where wildfires are common, like where we live, having this coverage is important.
Standard homeowners policies usually do not include flood or earthquake insurance. If you live in a flood-prone area you will need to buy additional coverage. Check the Federal Emergency Management Agency (http://floodsmart.gov) for additional information on flood insurance.
Similarly, earthquake insurance usually requires additional coverage. The cost will depend on how prone your area is to earthquakes. If you are in California, you can refer to the California Earthquake Authority (http://www.earthquakeauthority.com) for additional information.
The land that your house sits on is not at risk from any of the perils that cover your house. Insuring your home for the full value of the property is unnecessary and will only increase your premiums.
Avoid Having Frowned Upon Possessions
While you may not be able to move out of a flood or earthquake-prone area, you can avoid having certain possessions that many insurers consider to be a liability. These may include swimming pools which are a drowning and injury risk; having certain dog breeds like pit bulls or rottweilers, which can be a potential risk, and having hazardous items like trampolines which are a risk for injury or death. Having these things may increase your premiums unnecessarily.
Renter’s Insurance Coverage
If you rent rather than own, make sure that you are covered under either the landlord's coverage. Often, you may need to insure your own belongings. Renter’s insurance may or may not be necessary, depending how many valuables you have. Sometimes it may be more cost effective for you to simply buy insurance for specific valuables.
Auto Insurance Coverage
Auto insurance may cover comprehensive, collision and/or liability insurance. Collision insurance covers damage to the policyholder's vehicle resulting from running into anything (which can be another vehicle or a stationary object like a tree). Comprehensive coverage insures the vehicle in case of theft, fire or any other potential acts of God. If you have a vehicle that you seldom drive, you can consider having only comprehensive coverage on it, then activating collision and/or liability coverage when you drive it.
Additionally, check to see if your auto insurer has programs that offer lower premiums for infrequent or good driving habits. Progressive, for example, has a Snapshot
program where they provide you with a sensor which you plug into your car. The sensor records your driving habits and transmits it back to Progressive. Defensive drivers may get their premiums reduced.
Many states have minimum auto insurance coverage laws. Buying what you need does not mean simply buying the minimum coverage are required by the state. Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don't end up paying for something you don't need.
If you have good health coverage, you might be able to just purchase the minimum personal injury insurance. Check Healthcare.gov at http://1.usa.gov/1FDuOZh so see if you qualify for lower health coverage costs.
Life Insurance
Again, if you do not have dependents, you may not need to have life insurance at all. However, if you do, you will need to figure out how much money you will need to support your dependants in the event of your untimely death. If you do not have an income, support may include funds needed to hire child care in place of your care.
Having Good Credit Helps You to Save
Disclaimer: I am not a financial professional. Anything I discuss is based on my own experience and how that has helped me to save money. If you need financial advice or any other kind of advice like tax or credit advice etc, please seek the appropriate professional for help. The ideas in this book are for informational purposes only.
In the US, having good credit is an important part of frugal living. I say this not to encourage you to go out and borrow as much as you can on cheap, easily available or relatively accessible credit.
On the country,
Just as the rich rule the poor, so the borrower is servant to the lender - Bible proverb
I can find proverbs from all over the world tracing back to ancient times warning against being a debtor. Moral of the story: do not be a debtor. But, this is not a book about morals, I simply say, try to stay out of debt because paying high interest rates is counter-intuitive to being frugal.
Having good credit in the US means that you usually qualify for lower insurance rates. It also means you can qualify for credit cards that give you the best (free) perks. A strong credit score or history can lower your insurance premiums.
Keep your credit scores up as a good credit history can cut your insurance costs. You can keep your credit score up by paying bills on time, keeping your debt balances to available credit ratios low, not applying for too much credit in a short period of time, and by having a credit history.
If you are just starting out and need to build credit, http://williampaid.com will report rent payments to Credit Reporting Agencies. At the time of writing, this service is free if you pay with a bank account direct debit.
Some credit unions extend credit builder loans to help their members build or rebuild credit. Loans are usually small - less than $1000. However, instead of receiving the $1000 at the time of loan approval, the customer receives the $1000 plus any accrued interest after the loan is paid. This may be a good option for people wanting to set up an emergency fund while building credit.
Other options include applying for a store-branded credit card which usually has lower credit requirements, or finding someone with good credit to cosign the loan. Finally applying for a secured credit card is an option. Credit from these cards are usually secured
by a first depositing funds to the financial institution issuing the secured credit card. From my research though, secured credit cards often prey on desperate people and this may not be the best option.
Insurers are increasingly using credit information to price insurance policies. Check your credit records on a regular basis and dispute any errors so that your record remains accurate. You can check your credit score for free at Credit Karma (http://creditkarma.com).
The Fair and Accurate Credit Transactions Act (FACT Act) also entitles consumers one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies: Experian (http://experian.com), Equifax (http://equifax.com) and Transunion (http://transunion.com). Consumers are entitled to their free reports once every 12 months through a Central Source.
Beware of sites appearing to be a Central Source! You can request your free reports through Annual Credit Report at: https://www.annualcreditreport.com. Depending on State Law, you may be eligible for additional free reports for other reasons; for example, if you have been denied for a job or for credit, based on your credit.
Saving With Credit Cards
There are many credit cards in the market today. In the US, the main purveyors are Visa, Mastercard, American Express (Amex) and Discover. Many credit cards will offer some kind of rewards program. If you have a credit card that does not reward you, might want to look into applying for a card that will give your rewards. (Note that applying for a credit card or for too many cards may lower your credit score.) Many cards do not charge an annual fee. Those that do however, may offer better perks.
Many good credit cards may include extra perks like:
● Extended warranty (more savings if something breaks).
● Price protection (the credit card will price match a lower price, according to their protection policy)
● Purchase protection (comes in handy most if you purchased something online that was not as described)
● Zero-liability fraud protection (in the event of unauthorized charges)
● Cash back or air mile rewards (I always look for this as a way to capture extra savings from purchases I already need to make)
● Free travel insurance coverage (they may reimburse you for unexpected travel loss or delays etc).
American Express
Some credit cards may offer additional shopping discounts, especially during Christmas. For example, if you have certain American Express cards, you might also be eligible for special or targeted offers that they may be running at that time. Deals have included statement credits for making certain dollar amounts at specified retailers like Walmart or Staples. I cannot say which card offers the best rewards as it really seems to be dependant on what American Express decides to promote at one time. Promotions may also be user targeted.
If you do not want to sign up for a credit card, you can also get a reloadable pre-paid card from American Express called Serve (https://www.serve.com/serveforamex/) which will allow you to take advantage of many American Express deals. They will, however, charge a $1 monthly service fee unless you live in New York, Texas and Vermont.
If you already have an American Express card, be sure to sign up for their social network-exclusive offers:
Amex Facebook Sync: http://hyperurl.co/amexFB
Amex Twitter Sync: http://hyperurl.co/amextweet
Amex Foursquare Sync: http://hyperurl.co/amex4sq
Amex TripAdvisor Sync: http://hyperurl.co/amextrip
Amex Sync offers usually consist of statement credit deals. For example, spend at least $100 at Best Buy, receive a $25 statement credit.
Of course, make sure you use your credit cards responsibly. You may be hit with high interest charges if your balance is not paid in full before the end of the grace period. To maximise your savings, you must make sure you do not end up paying these or any other additional fees which can quickly cost money rather than save money.
Using Debit Cards Can Help You To Save Money
If you are not sold on using credit cards, consider using a debit card that gives you cash back. In the US, debit cards do not offer the same perks and fraud protections that credit cards offer. Some banks, like Bank of America (http://bit.ly/18kb0NR), offer cash-back debit cards under their Add It Up
perk. Beware of and fees, fine print or minimum balances that the issuing bank may impose though, as these fees can quickly cost you money.
Paypal also offers a 1% cash back debit card with no fees, limits or other minimums.
To sign up for your Paypal account, simply go tohttp://paypal.com and click the Sign Up
button which is currently on the upper right-hand corner of the page.
You’ll then be taken to a page where Paypal will ask if you want to set up a personal or a business account. I have taken a screenshot of what the current page looks like but the actual page on Paypal will probably change over time.
Sign up for a business account which lets you apply for the cash back debit card. Personal Paypal accounts do not qualify for the debit card. Choose the Business Account
tab and click the Continue
button.
Paypal will then ask you if you want the Standard or the Pro account. Choose the Standard account which is free. Click the Select Standard
button to continue. Paypal pages may change over time but the idea remains the same.
Enter the email address that you want your Paypal account to be registered to and, and the appropriate Captcha code. Then click Next
.