Disney Gift Cards

Saving Money on Disney Tickets

Disney tickets are expensive. Wait…that’s not right…Disney tickets are VERY expensive. That’s better. Saving money on Disney tickets is a challenge for sure.

I love going to Disney parks. I never went as a kid and never went until my own kids were old enough to remember it. I’ve since visited Disneyland in California and Disneyland Paris. They are pretty expensive jaunts, though. There are ways to save money on the US parks, though.

Chase has a co-branded Disney card that can help users save some money on tickets, but this is probably not the most lucrative credit card signup bonuses that Disney lovers can score. It does come with at $200 bonus after spending $500 within the first three months of holding the card. (Please note that this site has affiliate links. If you use these links to sign up, I may receive compensation.) 

The Chase Freedom card offers a $150 bonus after meeting the same spending requirement, but it’s much more flexible.  Of course, if you’ve not signed up for five cards in the last 24 months, you could get both.

If you’re active on the site Swagbucks, you could use your earnings from searching the web, answering surveys, and watching videos toward saving money on Disneyland Tickets. I recently reviewed the process of using Swagbucks to purchase Disneyland tickets. Keep in mind that this only works at the California park. It does not work if you’re looking to go to Disney World in Florida or one of the resorts abroad.

Saving Money on Disney Tickets at Sam’s Club

One way that it’s possible to save money on Disney tickets come from buying gift cards from Sam’s Club. I’ve seen a couple of different options in this regard. The first is a package of three $50 gift cards for $144.98. The second is a $500 gift card for $479.98.

Saving money on Disney tickets at Sam's Club
Saving money on Disney tickets at Sam’s Club

 

The first option in the picture above is a discount of 3.3 percent off the purchase price. The second option for saving money on Disney tickets from Sam’s Club gives a 4 percent discount. These are not massive discounts, but they add up.

You could stack these discounts even further. The Disney Rewards card mentioned above gives one point per dollar spent at Sam’s. This would effectively bring the discount up to 4.3  or 5 percent.

The Chase Freedom would generally add one point (one percent) to the discounts that the gift cards from Sam’s Club get.  But there could be a twist on this. The Freedom has a rotating bonus that gives 5 percent cash back on certain purchases each quarter. Sometimes, Sam’s Club purchases show up as one of the merchants that provide a 5 percent bonus. It’s not been the case in 2017, but it was possible to get this hefty discount for most of 2016.

Utilizing the Chase Freedom if Sam’s ever shows up as an option for the 5 percent cash back bonus, you could save between 8 and 9 percent. This is one great strategy for saving money on Disney tickets. Stacking the discounts can really pay off to be sure.

Have you every visited a Disney Park? What strategies have you used to save money on the visit? Let me know in the comments.

Sign Up For Updates

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now nearing 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

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How I Made Money Online In October 2017

Making money online has probably never been easier. There are many ways that I’ve made money online

How I Made Money Online In October 2017
How I Made Money Online In October 2017

over the past several years.

I started out making nothing online. I thought it was a gimmick of sorts. Then I started reading about people making hundreds, if not thousands, each and every month. I also knew that I was about to start grad school. With a wife and kids to support, I needed to supplement my meager income, so I started reading up on some of the major ways that I could make some money online.

I started a blog after reading an article on Problogger where Darren Rowse disclosed his status as a six-figure blogger.  I dutifully started my own blog, hoping to hit the big time quickly. Within a week, I’d earned $0.59 from AdSense. I was on my way, or so I thought.

This was more than seven years ago, and I’ve cashed out via AdSense once in that time. Needless to say, I’ve not hit the big time in a Problogger sort of way, but I have seen my income grow over time as I looked into other options and made money online with them.

I quickly found out that I needed other options, and I started looking into other avenues to make money from home. I found a few, and I’ve found even more over time. These methods of making money online do not require me to leave the house. I started sharing some of them on this site so that I can help others learn how to earn money in pajamas.

How I Made Money Online In October 2017

These posts that I started at the beginning of the year list some of the major ways that I’ve earned money online in 2017. I enjoy looking back at the end of each month to see how I’ve supplemented my income from working at my Jay Oh Bee (that’s my job).

I also like to share the ways that I make money online so that others can learn that they too can supplement their incomes. It does not really take a degree in rocket science. All it takes is some free time and some perseverance. I have several different streams of income each month. The more, the better. That way, if one option goes away, I still have others that will bring me some income.

I’m using my online earnings to build up passive income from dividends and to pay off debt. This is a long-term process that I anticipate will pay off over a period of years.

So, without keeping you in suspense any longer, here are the ways I made money online in October (please note that the links are affiliate links. I may be compensated if you sign up with them):

Freelance Writing: $209.83
Swagbucks: $50.00
GiftHulk: $5.00
Earnably: $1.00

Total Online Earnings for October 2017: $265.83

This was down a little bit over the previous few months. However, it’s important to remember that even this small amount would add up to more than $3,000 over the course of a year if I kept it up for 12 months. How much would $3,000 help people who are only able to pay off their bills and save nothing each month?

I would think it would help quite a bit. You can sign up for the programs listed above and get started with your own online earnings.

Can You Make Money Online?

Absolutely. Your ability to earn money online is limited by the time that you have available each week and the imagination that you might have to market some opportunities to others. Setting up your own blog can be a great way to share these opportunities that can help people out. You can also start to earn affiliate income of your own.

WordPress recommends BlueHost, which is one of the top options for self-hosted bloggers. You can sign up for BlueHost by clicking the banner below if you’re interested in getting a self-hosted blog:

Remember, I started out making absolutely nothing online. I’ve now built up to where I’m making nearly $5,000 a year in my spare time. This can grow over time.

Reviews Of Money-Making Sites

Here are a couple of reviews that might help you decide which sites might work for you:

Earn Cash and Rewards with Swagbucks
Swagbucks is my favorite site to use to earn money. If nothing else, you can make money from searching the web.

Earning Money In Pajamas With GiftHulk

My Ibotta App Review
I use this when I go shopping. You can earn $10 for signing up with my link and getting your first rebate within a week. With cashouts starting at $20, you’d be more than halfway to redeeming for some PayPal cash!

How did you earn extra money online during September? Do you have any other options that worked? Let me know in the comments. I’d love to check them out!

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide.

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November Swago With Swagbucks


The digital rewards site Swagbucks is celebrating Thanksgiving early with another big “Swago” promotion starting Monday, November 6th at 9am PT and running until Monday, November 13th! Swago is just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online. If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Monday, November 13th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, November 16th to use all your spins.

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice.

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of next month, you’ll get a bonus 300 SB!

The previous was a sponsored post and includes affiliate links.

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Paying Off Debt With Online Earnings

Last month, I started tracking my attempt at paying off debt with online earnings.  I started earning money in pajamas several years ago, largely to supplement my income while I was in graduate school. I earned very little in my job as a graduate instructor. Had I been single, it probably would have been enough, but I had kids.

I still built up around $36,000 in debt because of my schooling. There was a period of about four months between the end of school and starting my new job, as well as a move, that led to major debt. The debt helped me out because it opened some more doors for employment opportunities going forward. However, I…HATE…DEBT. The payments that I have to make toward debt means that I have less money for things that I like, such as saving for retirement and traveling to various and sundry parts of the world.

I had been saving up money for my dividend income portfolio, but then figured that I could keep some of this credit card debt from school for between eight and ten years if I paid only the minimum. I do not like that idea. Therefore, I decided to start using my online earnings for paying off debt (and saving, but saving less).

My Latest Step Toward Paying Off Debt

I earned some money from freelance writing last month, and the biggest payout came last week. I promptly transferred this payment from PayPal into my checking account. From there, I made another transfer to, you guessed it, the debt.

I was able to put $110 toward my debt. This one payment was well above the $81 minimum for the month. If I continued making the minimum payment at $81, it would take more than 8.5 years to pay off the debt. And this is without taking into account any balance transfer fees that add between 3 and 5 percent to the balance each time. I could easily be in debt for 10 more years at that rate.

Paying debt needs to be a priority!
Erasing debt is my goal.

If I were to make $110 payments each month, the payout period drops to the six-year range before taking into account balance transfer fees. I always look for 0 percent balance transfer rates so that I minimize the interest payments to the amount of the balance transfer fees. Otherwise, I’d probably have to pay 13 percent or more on the debt, which is way more than I want to.

This payment dropped my original debt amount of $36,000 below $8,000. I’m pretty excited about this, to say the least. However, I’ll be even more excited when I can pay off the whole kit and kaboodle.

Keep Up With My Progress

If you’d like to help me achieve my goal of paying off debt with no expense to yourself, you can make your purchases from Amazon through the link below. You’ll pay the same as you normally would, and I’ll get a small commission. Just click the image below:

You can also sign up for the following sites and start to earn points that can lead to PayPal cash, Amazon cards, or even Bitcoin.

GiftHulk (I’ll earn $0.10 if you sign up)
Earnably (I’ll earn either $0.02 or $0.10 if you sign up, depending upon where you live)
Swagbucks (I’ve earned more than $2,000 from this site, and it’s my favorite. I don’t earn a bonus if you sign up, only if you actually earn.)

Don’t feel obligated to sign up for anything you see on the site. I appreciate people who just stop by to read and/or comment.

How are you using side hustles in your goal of paying off debt? Let me know in the comments.

Sign Up For Updates

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now above 300 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

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2017 Swagbucks Holiday Sale–More Cash Back


Swagbucks is offering double cash back at dozens of different stores (like Macy’s and Target) during their 2017 Holiday Sale. Just go to this page to see all of the deals available and get the jump on your holiday shopping. There are

In order to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you’re all set! Your cash back comes in the form of SB points, which you can redeem for gift cards to places like Amazon, Target, Walmart, Starbucks, or get PayPal cash!

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before December 1st! This site’s a great way to extend your shopping budget, especially around the holidays!

The previous post was a sponsored post and included affiliate links. 

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October 2017 Passive Dividend Income

I’m sitting here waiting for kids to show up and nicely beg for candy. That can mean only one thing. It’s Halloween. I’m also tracking my passive dividend income.

The fact that it’s Halloween means that 10 months of 2017 are down, and only two are left to go. The year has flown by quickly. The month of October also flew by quickly.

I enjoy the end of the month, not because I’m getting older, but because it’s a good time to look back and see how the companies that I own paid me over the month.

Building passive dividend income, slowly, but surely!

I did not make any purchases during the month of October. What I have continued to ride. I currently own shares in eight separate companies and one ETF in my traditional IRA. I may make more purchases this year, and I may not. But I’m happy to own companies that pay me to own them.

October was not a great months in term of paper losses. I lost about $400 in value over the past week. It was also not a great month when it came to dividend payments. Few companies pay out in the first month of each quarter. I own few companies that pay out in the first month of the quarter.

Regardless, my money kept working ALL…Month….LONG!

Passive Dividend Income For October

Without further ado, here are the companies and funds that paid me in October 2017:

Bank of Nova Scotia (BNS)                                                       $6.13
Realty Income Corp (O)                                                             $5.30

Total Dividend Income from IRA                                   $11.43

JP Morgan Equity Income R5 (OIERX)                             $0,48

Total Dividends For October 2017:                             $11.91

This $11.29 was admittedly less than the $15.33 that I received in July, which was the last first month of a quarter. This occurred because I sold General Electric (GE). I’m glad that I sold, although I should have sold well before I did. Since I’ve sold this company, it’s price has dropped by more than $4 a share. Also, there is quite a bit of chatter regarding a possible dividend cut. I’m definitely not in the game to get my income cut so I sold.

I traded the GE for the Bank of Nova Scotia, but my purchase was smaller than the amount of capital I put toward GE initially. Therefore, my dividend income went down.

My dividend income for October brought me up to $348.65 in dividend income for 2017. This is well above what I earned for all of 2016. Furthermore, my passive dividend income for the next 12 months should come in at $490.44 if my calculations are correct.

I’m getting close to the $500 mark in passive income, and I’ve passed the $40 a month mark on average. When I first started out with a small purchase of Apple stock, I expected to make a bit more than $2 in dividend income, so this is a huge increase in a little more than two years. I’m making well above $2 in my worst months.

How was your dividend income for October? Let me know in the comments.

If you’d like to keep up with my progress, be sure to sign up for updates in the email signup box near the top of the page or via the popup that asks you to sign up. You can also follow me on Twitter.

Disclaimer: I am not a professional financial advisor. I intend this information for informational and educational purposes only. Perform due diligence before investing in any equities. See my disclosures page for more information. I’m long O, BNS and OIERX.

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Three For Fall Bonus With Swagbucks In November


If you haven’t tried Swagbucks before, you can get a bonus $3 for signing up during November as part of their Three for Fall promotion. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash.

When you sign up through me this month, you can earn a $3 bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before 12/1/17. You’ll get a $3 (300 SB) bonus for it!

3. If you want even more bonuses, you’ll get a $10 (1000 SB rebate) bonus for making your first shop purchase! That’s in addition to the SB you earn for every dollar you spend.

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned nearly $2,000 over the past few years through the site. I’m using my earnings to build wealth, and you can start using Swagbucks at age 13. This is a great time to start saving!

The previous was a sponsored post that includes affiliate links.

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Paying Off Debt With Online Earnings

his year, I’ve been keeping up with my online earnings each month. Most months have seen me earn between $300 and $400+ over the course of a 30-day period. Beginning this summer, I decided to start paying off debt with my earnings as they came in rather than trying to draw them out to invest.

I could theoretically take several years to pay off the debt that I currently owe, but I would like to see it go away ASAP. I came out of graduate school with about $36,000 of debt, and it’s now down to just above $8,000. This is what I’ve accomplished in a little more than four years.

My hope is that I can drop more and more over the next year or two. If I could kill off this debt over the next year, I’d be thrilled.

Paying debt needs to be a priority!
Erasing debt is a goal.

In September/October (my statement closes on the 20th), I was able to pay off $135. While this was not as much as I would have liked, it’s more than $50 above the minimum payment. This is definitely a step in the right direction as far as I’m concerned.

I currently have a 0% rate through about the middle of next year. However, an “average” credit card bill of $10,000 with a 16% annual interest rate would take nearly 28 years to pay off if a cardholder only pays the minimum each month.  That would leave me in debt longer than my mortgage would.

This is why I’m paying off debt at an accelerated rate.

Why Am I Paying Off Debt So Slowly

It may seem that only $135 is a small amount to pay off. It is. There are many people who are able to pay off debt much more quickly.

What’s wrong with me? The answer to this is nothing. Most of the people who pay off massive amounts of debt who cover their journey online are singles or DINKs. I’m neither as I have a wife and kids.

I can’t easily share a frat-like house with four other people and pay $150 in rent each month. I could theoretically eat ramen noodles every day for every meal, but my family has to eat as well.

My Latest Payment

Tonight, I made my latest payment. I’m trying to make payments as often as I get a bit of online income. I cashed out $25 from Swagbucks, and I paid $20 of that toward my debt. I’m going to have some more money coming my way later this week from some freelance writing, so I might be able to make another payment or two before the end of the month.

This will add to my payment for October/November and get me even closer to my ultimate payoff of the debt I accumulated from graduate school.

If you’d like to help me achieve my goal with no expense to yourself, you can make a purchase from Amazon. You’ll pay the same as you normally would, and I’ll get a small commission. Just click the image below

You can also sign up for the following sites and start to earn points that can lead to PayPal cash, Amazon cards, or even Bitcoin.

GiftHulk (I’ll earn $0.10 if you sign up)
Earnably (I’ll earn either $0.02 or $0.10 if you sign up, depending upon where you live)

Don’t feel obligated to sign up for anything you see on the site, as I appreciate people who stop by to read and/or comment.

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now above 300 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide.

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Latest Card Signup–AAdvantage Aviator Red

One of my favorite topics on this blog involves documenting some of the strategies I use to travel cheaply. Signing up for credit card bonuses periodically is one strategy I use.

I don’t sign up for every credit card bonus that rolls around, but I do take advantage of some that help me achieve some goals

You could get to Paris with the AAdvantage Aviator Red and its signup bonus.
You could get to Paris with the AAdvantage Aviator Red and its signup bonus.

. I’m looking to build up enough points to travel to Japan for the Olympics in 2020 as well as a trip or two in the intervening couple of years.

I’d like to travel in business class for the trip to Asia. I’ve never done it, but if I’m going to, I think that a long flight to Hong Kong or Japan would be a good time to try it out. I need a few big signup bonuses to make this happen, which brings me to my latest credit card.

Other travel-related posts:

Getting a Free Honeymoon with a Few Credit Cards

How To Get To Prague On Miles And Five Things To Do Once There

 

The AAdvantage Aviator Red From Barclaycard

The card that I chose to make my latest signup bonus was the AAdvantage Aviator Red from Barclaycard. (This is not a referral link. I do not get any compensation, but I think it’s a good option that I wanted to share.)

The reason? It’s about the easiest signup bonus that I, or anyone else can hope to get.

The card comes with a nice 60,000-mile bonus with American Airlines’ Aadvantage program. There have been options that offered more AA miles before. However, they have required a relatively high level of spending.

Especially when compared with the Aviator Red World Elite MasterCard. You get the 60,000 Aadvantage miles after making a purchase. ONE. Of anything…a pack of gum or a Coke will work. You also have to pay off the $95 annual fee.

Therefore, you could get 60,0001 miles for spending $1 and paying off $95. That’s a total expense of $96, which is not huge when taking into consideration what you could get. Here are some other benefits of the card:

  • 2 miles per dollar spent with American Airlines
  • 1 mile per every dollar spent on everything else
  • A free checked bag on domestic flights
  • 10% of your redeemed miles back each year, up to 10,000 total AAdvantage miles

These are pretty good benefits for no more than you have to spend.

What Can You Get With the Bonus?

With the bonus from the AAdvantage Aviator Red, you can get some pretty good flight options. This bonus of 60,000 miles should get you at least two round-trip economy flights in the continental US.  American Airlines also offers many cities at some pretty hefty discounts.  These reduced mileage awards could mean that you could nearly get three round-trip flights in the US with just a little more spending.

Additionally, it’s possible to get an off-peak saver award to Europe for 45,000 miles. It’s 60,000 miles during the peak season, which means that you can get a round-trip flight to Europe with the signup bonus alone. Just make sure that you take American planes to avoid hefty fuel surcharges that partners like British Airways charge.

This signup bonus can also possibly provide a round-trip flight to the Caribbean or Hawaii if you can find award space.

American Airlines is probably not the best frequent flyer program out there, but this hefty bonus for relatively little effort was too hard to pass up.

Have you signed up for any credit card bonuses lately? Let me know in the comments.

Be sure to sign up to get updates from the blog. Also, if you’ve found this post beneficial, be sure to share the love by clicking the tiles at the bottom of the post. You can also follow me on Twitter.

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Swago Shopping on Swagbucks


The holidays are close and the online rewards site Swagbucks has a smart and fun way for you to earn and save while you spend.

Swagbucks is hosting another round of Shopping Swago! What is SWAGO you ask? It’s a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. If you’ve never used Swagbucks, participating in SWAGO is a great introduction to the site and an easy way to earn a good amount of points quickly.

Click here to get started!

Here’s what you need to know to get your 200 SB Bonus (and don’t worry, you don’t have to make a purchase to complete a pattern):

  • Shop Swago will begin on Monday, October 23rd at 9am PT/12pm ET, make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have a limited amount of time to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value – up to 300 SB – enough for your first $3 gift card.
  • Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • The game ends Friday, October 27th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.Also, if you sign up through me this month, you’ll get a $10 rebate when you make your first purchase via Swagbucks Shopping! You can activate it in the “Swag Ups” area of “My Account”