Better than the Bank

I had a client ask "what do I think about surveys?" So often we get pestered by marketers calling at dinner to ask us for our opinion. Let it go to voicemail if you have caller id; they never leave a message. If not, interrupt them immediately to ask if you are being paid for your time and information. The answer is 99.9% of the time "no" and beyond "take me off your call list" the experience is relatively painless.

You'll also see marketers seeking your input on your shopping experience by offering a chance to win a prize or large sum of money if you complete their survey online. This is a shot in the dark and best to take a pass.

However, some retailers offer discounts on your next purchase if you fill out a survey online; simply look for a link at the bottom of your bill. These surveys, if you have time, are worth the time, especially if you plan to shop or frequently shop at a particular retailer. For example Old Navy typical offers an attractive percentage off your next purchase. If you've got kids or on a tight budget this strategy helps every penny count.

• Keep an eye out for an expiry date and tuck the code or coupon in your wallet so you have it when you need it.

• Don't spend money for the sake of using the coupon. Make sure you need it or love it.

Bottom line ... the bank might give you 1% or 2% on your money vs the 10% to 20% you'd get back on you money for 10 minutes it takes to do a survey. Shop smart.

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• A Smart Way to Manage Loyalty Programs