Mr. Clever Fox

Money-saving advice, tips, and tricks

[Mr. Clever Fox @MisterCleverFox]

@austinenergy Why are you telling people without power to go watch a press conference? Or the news? Text updates are better

[Mr. Clever Fox @MisterCleverFox]

If you're an @HEB shopper, they have new gift card deals every week via their app. One that stands out this week: Buy $100 Home Depot card, get $20 HEB card free. Effectively 80% off! https://t.co/1Uk3eIIfbl

#moneysavingtips #easymoney #diy #groceries #giftcards #freemoney

[Mr. Clever Fox @MisterCleverFox]

Another great @AmericanExpress offer: Spend $40 at @Walmart, get $10 back (x2). If you normally spend there, easy. Otherwise, order a physical gift card from their website: Spend $80, get $20 back!

#amexoffers #amex #easymoney #freemoney #savingstips #moneysavingtips

[Mr. Clever Fox @MisterCleverFox]

Earn a free $75 on InKind, a new payment app accepted by some restaurants. Sign up with referral link to get $25, then load $50 and get $50 back via Amex offer. Refer your friends to earn even more. Instant nice dinner out! https://t.co/VubeljawT2

#freemoney #savemoney

[Mr. Clever Fox @MisterCleverFox]

@SHHouses Replace with a wired smart thermostat. No more battery problems, you gain remote troubleshooting abilities, and your local utility company might even rebate you most of the cost.

[Mr. Clever Fox @MisterCleverFox]

@Drofcredit What happened to the post? :)

[Mr. Clever Fox @MisterCleverFox]

@FiSavvyDad How about: stop trying to understand companies? Just buy a total stock market index fund and call it a day

[Mr. Clever Fox @MisterCleverFox]

@McKinneyJacob98 @Budgetdog_ @upshotwealth @BestInterest_JC If an emergency would mean going into credit card debt or unable to pay, e-fund should be in cash. OTOH, if you have enough resources where an emergency might mean sub-optimally selling an investment, investing part of it (conservatively) is ok.

[Mr. Clever Fox @MisterCleverFox]

So many #creditcards offer extra rewards on gas. Why not also count money spent on charging #EVs?

#ElectricVehicles #creditcard

[Mr. Clever Fox @MisterCleverFox]

@GoCurryCracker Does percentage of home value make sense if you're in a market where your home value has shot up or doubled in the last couple of years?

[Chuck from DoC @Chucksth]

This is how I like my Amazon orders looking

[Mr. Clever Fox @MisterCleverFox]

You can also save 25% on used items on @amazon right now!

[Mr. Clever Fox @MisterCleverFox]

Also, there's another "free money" gift card deal. Buy a $40 Amazon e-gift card for yourself and apply promo code GCPRIME2021 to get an extra $10

[Mr. Clever Fox @MisterCleverFox]

It's #PrimeDay! You'll see tons of articles about deals on gadgets, but don't get caught in the hype. I like this sale more as a chance to get a good deal on mundane essentials - stuff you needed anyway!

[Mr. Clever Fox @MisterCleverFox]

@kateorawan @makingmsimple One might say "well if that's the case how far should I push it, perhaps I should take money out of my house to invest as much as possible?" but a good way to balance risk is to have a mortgage payment that is affordable.

[Mr. Clever Fox @MisterCleverFox]

@kateorawan @makingmsimple Over many years and larger sums of money, the difference is much more significant. Of course, investing carries some risk - could be much better or worse than 7% return. But it's likely you'll come out far ahead in the long run.

[Mr. Clever Fox @MisterCleverFox]

@kateorawan @makingmsimple Average stock market return 7%. Say your mortgage rate is 3%. You earn 4% by investing. For example, imagine you invest £2000 and earn £140 this year (7%). Since you didn't throw that £2000 at your mortgage, you owe £60 in interest. You pocket £80.

[Mr. Clever Fox @MisterCleverFox]

What's a piece of traditional financial advice you think is lousy?

[Mr. Clever Fox @MisterCleverFox]

Latest #DIY project was putting sliding shelves in my kitchen cabinets. Had them custom made but installed them myself, saving $600 vs hiring someone. Only needed a drill, screwdriver, and two hours. What's a project you've done yourself to save money?

#LifeHacks #homeownership