Section 0: Background
Hi everyone! I’m trying to tailor this a bit more to reflect the UK Money Diary style where I give context on the week before and reflect on it after. I also added in some of the questions from the recent thread about what Refinery29 should ask diarists (see here).
I wrote this the week of Thanksgiving; my partner and I stayed in NYC instead of going home to either of our parents’ homes. We wear masks and stay socially distant when we leave the house. I’m thankful that we live close to a park and live on a block where we know and enjoy talking to our neighbors.
This was a relatively normal week for us during a pandemic, save for me spending a bit more than normal and it being Thanksgiving. We’ve both lived in the city since college and have so-so relationships with our families, so we didn’t leave for “home” when the pandemic hit.
I also just named my boyfriend instead of giving him an initial. He’s the only person I actually saw this week, but the initials always throw me off when I read these.
What do money and success mean to you? What are your end goals?
It helps me to see money as a tool. I never resonate with people who say “money doesn’t buy happiness” because to a certain degree, it does. Money enables me to live the life I want.
I’m pursuing FIRE (financial independence, retire early) and hope to be financially independent (able to live off my investments) by my early 30s. To do so, I save 60%+ of my income per month. I want this because working for 40 years isn’t sustainable for me—I have a very cushy tech job and still get anxiety and rage about waking up every morning to work, the rat race, and being paid inequitably to male peers. I’d like to give myself the option to leave this world as soon as possible.
As an alternative, I could see myself successful if I open a product consultancy, where I advise early-stage startups on product management, what to build for their MVP, and product-market fit. I’m really interested in tech ethics and the questionable practices in venture capital, so I’d love to be in a place where I could be picky about what clients I take and help truly mission-driven businesses thrive. I could see this also working as a small business incubator—why not apply what works in startups to small businesses?
I don’t yet have a firm picture of what I’d like my life to look like when I retire. I’m interested in spending a lot of time reading, traveling to new places for extended periods of time, and potentially writing a book. I get extremely interested in niche topics. Right now if I had to guess, I’d be writing a book about the ways multi-level marketing companies (MLMs) manipulate women.
Are you a spender or a saver?
Definitely a saver. My partner is more of a spender, and we’ve influenced each other well. Seeing him spend money on himself for video games helps me realize I can spend more money on myself for things I just want (see my big purchase for myself this week).
In turn, seeing me save a lot of money has motivated him to up his 401k contribution and overall savings. He’s also interested in FIRE, although I’d say my timeline is more aggressive.
If you could go back in time, what's the one piece of financial advice you would give to your past self?
Learn about investing, look up the terms you don’t know, and start doing it as soon as possible. Ask questions to people you know or on the internet.
On to the diary!
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Section One: Assets and Debt
Investment Balance
$131,175

• Retirement (includes 2 company 401ks and 1 rollover IRA): $55,730
• Brokerage: $27,233
• Roth IRA: $25,439
• Managed account: $17,923
• HSA: $4,850

Equity if you're a homeowner
N/A, I rent in a HCOL city. No plans to own anytime soon
Savings account balance
$10,270
Checking account balance
$3,433 in checking account for bills

• This fluctuates, but I try to invest anything over $2k. I’m pretty conservative with my checking account buffer, and don’t worry much about the interest I’m “losing,” especially because interest rates are so low right now

$2,518 in checking account for rent

• I keep a holdover account that’s connected to Venmo and Zelle to pay rent

Credit card debt
N/A. There’s $1,348 currently on my credit cards, but I pay them all off in full each month. My parents signed me up for a credit card as soon as I was old enough and taught me about how important it was to pay in full. In fact, I think this was so hammered into my brain that doing anything other than that each month was never an option. Because of this, I’ve always thought of credit cards as similar to debit cards—only spend money you have.
Student loan debt (for what degree)
I was fortunate to go to college on a full scholarship, including living expenses. I studied psychology and sociology, and I graduated without any student loan debt.
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Section Two: Income
Main Job Monthly Take Home: $6,570/month
I maxed out my 401k early this year, so for 8 months I was contributing $2,500/month out of my paychecks. That ended in September, so it changed my monthly take-home from about $4,650 to $6,570/month.
Deductions:

• 401k: $0/month (was $2,500/month)
• Medical: $128/month
• Dental and vision: $11/month

Income Progression

• I started in customer support right out of college, making $40,000/year + overtime, which ended up being about $52,000/year (thanks OT!).
• About a year later, I moved into an entry-level product role at the same company and received a raise to $60,000/year.
• The next year, I moved to a new company for a half-step promotion where I was making $82,000/year + 15% yearly bonus. The bonus was dependable enough that it was assumed as part of our total compensation, so let’s call it $95,000/year.
• Early this year, I switched companies again (noticing a theme?) for a promotion and now make $122,000/year.

I don’t have any other sources of income outside my main job. My partner makes a similar amount to me—about $117,000/year with bonus.
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Section Three: Expenses
I live with my partner and we don’t have combined finances, but split many expenses 50/50. We use Splitwise to log transactions. He’s more laid-back about being paid back, but I’m much more “I don’t want to owe anyone anything, and I don’t want anyone to owe me anything” (I know, rigid, but I’m working on it!).
Splitwise is nice because it’d be ridiculous to Venmo request each other for a $4 coffee, but we can see how expenses are adding up. If someone has racked up a few hundred dollars of spending for both of us, the other person will cover our expenses for awhile. It works for us!
Rent
$2,200 for a 2 bed, 1 bath apartment in Brooklyn. We split rent 50/50.
Renters insurance
About $7/month for my portion. This covers all our possessions plus my boyfriend’s watches. He pays 75% of it because half of the monthly cost comes from the extra watch overage.
Savings contribution
I try to have about $10,000 sitting in my savings account at any given time, because it makes me feel safe in case of an emergency. I also like the freedom it enables, in case I wanted to leave my job and take a significant amount of time off. This is already at the $10k I want, so I don’t contribute to it monthly.
Investment contribution
It varies but on average I contribute $2,500/month to my brokerage account and Roth IRA (combined).
Donations
I try to donate about $200/month, but it’s pretty sporadic. This month I donated to the Yellowhammer Fund and Northwest Abortion Access Fund. One of my major goals for 2021 is to step up my donations and create an actual strategy around them, potentially involving a donor-advised fund.
Gas/electric
Our gas is $20-25/month and electric is $50/month. I pay gas and Will pays electric, both go in Splitwise. About $37/month total for me.
Wifi
Our wifi is $60/month, which goes into Splitwise—I pay $30/month.
Cellphone
I’m still on my parents’ phone plan—sheesh! This is convincing me that I should Venmo them for it each month.
Subscriptions
I pay for Hulu with ads, $5.99/month. My boyfriend pays for Netflix and we share a Spotify family plan with a couple of his friends, which I chip in $4/month for.
I also pay for the budgeting software YNAB (You Need a Budget) which is $84/year. I only pay it once a year in September.
Medical
I recently had to go to the emergency room for an overnight stay and follow up with some specialists. (I’m okay!) Because of that whole shindig I’m expecting to max out my deductible (and potentially my out-of-pocket-max) right at the end of the year. This will be about $4,000, but none of the claims have come through yet so I’m not sure of the exact total. I have a category in my budget for my deductible, and the rest will come out of my emergency fund.
Physical therapy
This month I’m starting pelvic floor physical therapy for dyspareunia (pain with intercourse).
I’d tried everything the internet suggested (“just relaaaaaax”) before getting the courage to find a new ob-gyn and ask her about it. She had some recommendations, but ultimately physical therapy was the “last resort” option that I’m now exploring.
My new physical therapist comes highly recommended but is out of network with insurance. Each session is $250, and I’ll go once every 2-3 weeks for the next few months as part of treatment. If you’ve worked through this problem (or are experiencing it now!) I’d love to hear your experience.
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Section Four: Additional Questions
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. My dad was the first in his family to attend college and my parents made pretty calculated decisions about where they would live so I could go to the absolute best public school possible. Over 90% of students at my high school attend a 4-year college, and we start talking about it freshman year. To say college was encouraged in my environment is an understatement.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My dad has worked in finance since I was about 10. He’s always been really knowledgeable about both higher-level economic concepts and the minutiae of personal finance. My family is frugal, too: we clipped coupons and got clothes on super-sale at Kohl’s and Goodwill. I know there was a period of time when he became self-employed and money got very tight for a few years, but the bulk of those worries were largely kept from me.
Did you worry about money growing up?
Yes. While we were comfortable, we lived in such an affluent place that our family was in “the middle class” of the town and it made me worry more about money than I probably needed to. Think The Stepford Wives for context.
At what age did you become financially responsible for yourself and do you have a financial safety net?
In college, I became maybe 80% financially independent as I had a scholarship and worked part-time during school and over the summer, but I was still on their insurance.
I remember being frustrated in college because even though I knew I was extremely privileged, my friends in college had their parents pay their summer apartment rent and gave them an “allowance” of spending money, and I was “limited” by the options I could afford with the job I had. My dad told me at the time, “This is frustrating but it’s preparing you for actually having to live off the money you make in the near future.” (Great, great advice Dad.)
I’m technically still financially dependent on my parents for my cell phone bill, but otherwise I pay for everything: rent, insurance, utilities, food, therapy, and all wants in the form of clothing, workout classes, etc. I could ask my parents for money if I absolutely needed to, but would use it as a last resort.
Do you or have you ever received passive or inherited income? If yes, please explain.
I have an account (mentioned above) that a family friend who’s a hedge fund manager, well, manages. I believe the initial deposit was $1000 over 10 years ago, but that money wasn’t mine either, it’s all a gift. It’s not very liquid—it’d take me several months (and some very good reasoning) to get any of that money withdrawn, since it’s supposed to be for “the future” (which I guess I could argue is now?).
I might receive a small amount of money when my grandmother passes, but it’d probably be around $1-2k, if at all.
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Day 1 Wednesday, November 25, 2020
8:30am Wake up and shower, take my vitamin C gummies, then make coffee. I wasn’t much of a daily coffee drinker until my offices had it for free, and now I’m definitely addicted. I don’t really care if the coffee is shitty or not, I just put some milk in it and it’s great. Right now I’m trying to drink half or three-quarter cups so I can attempt to pull back my addiction a bit. I log onto work at 9am.
11:30am Eat leftovers from last night for lunch—quesadilla + Spanish rice. There’s an incredible Mexican restaurant by us, and now I am ruined for the tacos, quesadillas and nachos from any other place.
12:30pm Will picks me up in the U-Haul. We’re driving about 20 min away to pick up a butcher block desk he bought off Craigslist, which ends up being from a small office that’s downsizing. The desk is $150 which he pays for. We love the office’s style (and the owner is super nice!) and walk around while he shows us what else he’s trying to get rid of.
We end up buying an extra-large ZZ plant and two side tables from him for an extra $120, way less than we would have paid for the quality elsewhere. My half will be $60, and I’ll split the U-Haul too, $44.51. $82.26
2:45pm That ended up taking a lot longer than we expected! We get back and unload the van, then I bring stuff inside while Will returns the van to the U-Haul location. I jump back onto work—so much for a slow afternoon before Thanksgiving. AWS is down, which powers a lot of our engineering work (and a lot of the internet!) so a lot of our teams are basically twiddling their thumbs. We chat about how to message the outage to customers.
5:45pm Will starts making dinner (braised chicken and veggies) and I sit down to read with a strawberry Chobani, but I end up just reading Reddit and searching for new podcasts to listen to.
7:45pm Dinner was great! Now…ice cream.
9:43pm I remember that my mom sent me ideas for her and my dad’s Christmas presents, so I order on Etsy and Amazon. My dad gets a mug with an Ernest Hemingway quote (“write drunk, edit sober”) ($21.54) and a book on writing ($16.63), and my mom gets this food warming tote contraption she wanted ($43.52). We’ve been paring down Christmases over the years—this year I asked for the Europe version of Ticket to Ride. $81.69
11:15pm I finish up the first episode of Real Housewives of Salt Lake City with some white cheddar Cheez-Its to snack on. After, I start on the dishes from dinner. I listen to the Product Market Misfits podcast while I do dishes—the episode with Kristen Anderson from Catch is great, highly recommend if you’re tired of just hearing stories about stereotypical Silicon Valley tech companies.
Day 1 Total: $166.69
Day 2 Thursday, November 26, 2020
10am Wake up super late since I stayed up scrolling on my phone too late last night. We make coffee and set out for a long walk around 11:15am.
12:05pm At the end of our walk, we swing by our local liquor store and buy 4 bottles of wine (red, white, rose, champagne). Will pays, total is $63.15 for everything. We haven’t had wine in the apartment for ages and I’m excited to have some stocked up. $31.57
12:30pm Get back from the walk, shower, then turn on football. I actually don’t really care about any NFL teams (I like college football a lot more), but it’s such calming background noise for me that I find myself looking for games when I have downtime. We also recently found out that Will’s friends’ dog only has a few months to live, so we order some jerky treats and a squeaky toy for him. $14.07
2:30pm We head out to the restaurant we’re going to for Thanksgiving lunch, a local place a short walk from our apartment. They’re doing a prix fixe menu of the classics—turkey, mashed potatoes, stuffing, green beans, and a phenomenal tarte Tatin with ice cream for dessert.
We eat outside under heat lamps. It’s super cozy. With our bottle of wine and tip the total is $208 (I try to tip over and above the norm because it’s a pandemic and Thanksgiving). My half will be $104.
5:53pm Get back from the restaurant. We have a ton of leftovers which is awesome (I think it’s excessive frugality, but I almost expect to stretch takeout or restaurant meals into two meals). Exchange some texts with my friends about their socially-distant Thanksgiving celebrations.
I turn on the Washington vs. Cowboys game right at the halftime show, which is Kane Brown with the Dallas Cowboys Cheerleaders. They’re all wearing masks (except for Kane) and it’s so odd to see them dancing in masks. I mean, I’m glad they’re wearing them, but it just seems like we could have gone without the halftime show this year.
9:21pm I order contacts from Contacts Direct. I got a new prescription but didn’t have a great experience with the eye doctor, so I’m hesitant about this order—only ordered one box of 90 lenses for each eye instead of a year’s worth of lenses. I’ve been getting headaches pretty frequently, so I’m hoping getting a new pair of glasses and alternating those (instead of wearing my contacts for 16 hours a day, every day) will help. $29.98 after insurance benefits
Day 2 Total: $179.62
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Day 3 Friday, November 27
8:56am Wake up super last minute, run to sign onto Slack and then start grinding coffee beans. I’m online and drinking a big mug of coffee by 9:10. (So much for half cups.)
10:45am Come up for air from work and grab the stuff to make a bagel. Everything bagels and plain cream cheese are my go-to combo.
12:03pm I grab a bag of clothes to drop off at the donation bin and a couple library books to return. The library is about a 25 minute walk so it’ll be a nice lunch break diversion.
12:56pm After the library I stop by the grocery store for some paper towels and sponges, since we’re almost out. Total is $22.62, my half is $11.31
1:09pm When I get home I jump back into work and put the USA vs. Netherlands game on my second monitor. By the 75th minute, the US is up by 2 goals so they start putting in some younger players—it’s fun to see Midge Purce and Sophia Smith play! I also throw some bagel bites in the oven for a quick snack and promise myself dinner will be healthier.
4:23pm I zone out of work and start playing Among Us. I end up playing for over two hours. We open a bottle of wine at some point and I get super tipsy.
6:50pm Turn on the tail end of the Notre Dame vs. UNC game. It turns into Jeopardy, which turns into Wheel of Fortune, which I’m not mad about. P isn’t as into the game shows and leaves to microwave a plate of leftovers from Thanksgiving dinner and play video games.
8:40pm Finally getting hungry after my bagel bites and Cheez-Its this afternoon and make a plate of Thanksgiving leftovers—turkey, mashed potatoes, green beans and cauliflower. Yum.
Will and I end up getting in a tiff about the mess in our apartment so we take a break, cool down and talk it through. I watch a couple episodes of Sister Wives and go to bed around 1:30am.
Day 3 Total: $11.31
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Day 4 Saturday, November 28, 2020
10:05am I stayed up late (again) so it’s nice to sleep in. I play Among Us for awhile and have a couple rounds where I’m the impostor and get some great kills and wins. I run out into the living room and celebrate with Will. We laugh because it’s silly how much we love the games we play. Around 10:45 I start making coffee.
11am We desperately need new sheets because our fitted sheet has a huge hole at Will’s feet (and it’s growing). I search a women’s personal finance group I’m in on Facebook for recommendations and we end up buying a queen sheet set from Belk. Total was $100.71 with their sale. $50.35
1pm I was planning on returning a package to the post office today, but forget it closes at 1pm on Saturdays so I decide to run to Target instead. I have a lampshade to return and want to look for a shower caddy as well. I also have an old iPad to return, which Will tells me I can do at Best Buy. He finds an old iPod and flip phone I can take too.
Take the MTA there ($2.75 for a single fare). When I get there, it’s a madhouse and I remember that I have sillily (is this a word?) decided to come on the weekend of Black Friday. I stand in the returns line for about 15 minutes and get $10.89 back, but ditch the idea of trying to look for a shower caddy. The checkout line looks like 100 people long. -$8.14 because of return
Next I go to Best Buy, but who am I kidding—the line to get in the store is even longer than the Target checkout line. I walk back to the subway and get on to go home. $2.75
2:30pm Since Best Buy was a no go, I search for electronic recycling around me on the way home just to see where I could drop off the devices I have. Apparently there’s an EcoATM not too far from my subway stop. It’s more for selling devices, but if they can’t give you money for something, they’ll recycle it, which is exactly what I wanted. I put each of the pieces in the scanner, and end up getting a whopping $2 total (for Will’s old iPod). Still cool because I was just expecting to recycle it all. I’ll give Will the $2.
2:44pm There’s a Dunkin nearby so I pop in to grab a couple donuts ($2.90). There’s a woman outside asking for money, so I give her $5 cash. $7.90
3:00pm Last stop—our favorite deli is nearby and Will mentioned he wanted to get bacon there recently. I get a 1/2 lb and salivate on the way home. This is one of those things I won’t put in Splitwise because it’s small and because it’s fun to get for P as a tiny little present. $3.50
3:45pm Once I’m home I’m super hungry from only eating carbs all morning so I have a snack of carrots, hummus and some pepperoni. I head back out to drop off a bag of clothes and shoes at a drop box a few blocks away. The neighbors are outside at the park near our house so I stop and chat with them for a few minutes. Their kids are the cutest.
6:47pm For dinner I make a ham and cheese sandwich (panini style with rosemary butter) and more carrots and hummus. I put on another episode of Sister Wives. These people are so fascinating to me—first off, I think the husband is completely full of himself. But I’m also so curious about the wives. There are a lot of talking head testimonials where the parents explain that they’re “oppressed” because they’re different and want to go public so the world can see polygamy as a valid family style (I’m only on season 2).
I know they’re probably playing up the “we love our other sister wives and have so much fun together even without Kody” aspect because people expect sister wives to be catty and hate each other, but I can’t help but wonder why they need to be in plural marriage to get the same friendship they seem to value so much. I also doubt they’d extend the same grace and tolerance they want to people who are “different” because they’re LGBTQ, or “different” because they’re in an open relationship or marriage.
9:15pm I mix together oatmeal chocolate chip cookie batter and put some cookies in the oven. While I’m waiting, I browse Zocdoc for well-reviewed providers—I want to make a podiatrist appointment for a lingering toe issue and an audiologist appointment for a routine hearing screening. I got the idea to make these appointments since I’ll hit my out-of-pocket max with the hospital visit, making them free or very discounted. I make two appointments for next week.
I also lust over a Farm Rio puffer jacket that feels overpriced but I just love. Maybe I’ll buy it tomorrow since they’re having a 30% off sale.
Day 4 Total: $64.50
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Day 5 Sunday, November 29
8:58am Wake up and switch between scrolling on Reddit and playing a few Among Us games. After a bit Will gets out of bed and makes coffee for us.
9:45am Will finishes the movie he started last night and we start on breakfast. We’re making the bacon I bought yesterday, breakfast potatoes with onions, and a fried egg for Will (I can’t stand the taste or smell).
11:00am Yum! Breakfast was great. I watch a couple episodes of Sister Wives and mull over buying that ridiculous but amazing puffer jacket from Farm Rio. I’ve still been thinking about it since last night and I might take the plunge.
1:25pm I get a jolt of motivation to work out and do a 20 minute Sydney Cummings video on Youtube. I heard about it from a recent Money Diary posted here! After it’s done I’m so, so tired. I stretch and unpause my episode of Sister Wives.
2:22pm I help Will move the butcher block slab for his desk out to our backyard. We live on the first floor of a single-family home that was converted into apartments, so we get the backyard too—it’s awesome to have outdoor space in the city. P works on sanding it and applying poly for the next couple hours.
5:07pm Will suggests pizza for dinner and I am always, always down for pizza. I order pickup from the spot down the street—one grandma, one cheese and 2 orders of garlic knots come to $38.60. We’ll have leftovers for tomorrow too. $19.30
5:50pm We pick up the pizza and dig in. While we’re eating we turn on the Chiefs vs. Buccaneers game; Will has a few players on his fantasy team in this game.
6:57pm I sign up to write letters to Georgia residents encouraging them to vote in the Senate runoff elections in January. This is through Vote Forward—I did 20 letters for the general election in November and want to participate again. I’ll print the letters at a local coffee shop since we don’t have a printer at home.
Will sends me this Reddit comment about campaign finance since we’ve been talking about it recently. I decide I’m convinced by the argument and set up a $5 monthly donation to Brand New Congress. $5
8:19pm After texting back and forth with my friend all day, I buy the puffer jacket—so excited. She encouraged me to get it and is pumped for me too. $228.64
I also notice my paycheck has started processing in my checking account (I get paid tomorrow), so I enter the amount in YNAB and budget it all. I earmark about $1500 to go into my brokerage account tomorrow. I won’t include it here as “spending” since it’s included in the overview section above.
Day 5 Total: $252.94
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Day 6 Monday, November 30
8:43am Wake up and turn on my Slack. Will started the coffee process and I finish it up by pouring the water into our Chemex and letting it steep (I know there’s a coffee-centric word for this...).
8:56am I check my Citi card and my YouTube TV trial rolled over—I was going to cancel it this morning, which I thought was the last day. I email support to see if they’ll refund me, because (I promise I’m not just saying this!) I did have a pretty bad experience. The Roku app was glitchy for us every time we watched something. Maybe they’ll feel nice today! $64.99
9:35am After responding to a few work messages, I run out the door to the post office to avoid a long package line. I did the Warby Parker 5-day home try on and have to return my box of glasses today. I found a pair I really like and am excited to get in the habit of wearing glasses again, instead of just my contacts.
Thankfully the line is only a few people long. The employees are also super nice every time I go, so I try to be really pleasant too. The lines are usually long and I’ve seen more than one adult have a fit at this post office. It’s rainy today and I couldn’t find our umbrella, so my flimsy rain jacket gets pretty soaked through on the walk back.
11:35am My podiatrist appointment is supposed to be tomorrow morning, and they call me to tell me since I haven’t hit my deductible, I’ll have to pay out of pocket for the visit. I explain that I’m 100% going to hit my deductible, the claims from the hospital just haven’t processed yet. I ask her to bill my insurance first for the visit, then I can pay whatever ends up not being covered (if anything). She agrees!
Maybe this is standard, but I’ve never had it happen before—even if I haven’t hit my deductible, I’ve always been to offices that bill insurance first, then I pay the remaining balance.
1:05pm Lots of meetings today. I break for lunch and heat up the braised chicken with veggies. It’s definitely on its last good day, so I’m glad I used it up. Still yummy!
2:20pm Woohoo! Get an email that my YouTube TV charge was refunded. -$64.99
Will ran to Home Depot today to buy some tools for his desk and also got a shower curtain liner since ours is ripping. I go to put it up in the bathroom but my arms are so sore—like I got my flu shot type of sore.
5:05pm Sign off work after trying to wrangle a supremely frustrating SQL query. I don’t get it but figure I can ask our analyst team for help tomorrow. Will will have a late night working, so pizza and Sister Wives is in my near future.
While watching, I update YNAB to reflect the end-of-month balances for my investment accounts. I get a huge dopamine hit by seeing my net worth number go up. I’m also anticipating it going down a bit next month because of my medical bills, so I relish the moment.
8:09pm It suddenly dawns on me that my arms are sore because I worked out yesterday. It’s so rare now that I literally forget when I do it. Ha!
9:15pm We watch the Eagles vs. Seahawks game and I absentmindedly play Among Us. I end up getting ...bullied by a person playing it? They get mad that I figured out they were the imposter and start saying all these schoolyard-type digs throughout the next couple rounds, but level 100 of cruel.
I’m embarrassed by how sad it makes me but think maybe it’s a good thing I don’t immediately know what to say to bully people back. Such a weird experience. I end up going to bed around 11:30.
Day 6 Total: $0
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Day 7 December 1, 2020
7:07am Wake up late for my alarm at 7. I’m up a lot earlier today because my podiatrist appointment is first thing. I get dressed in the dark, kiss P goodbye, grab my water bottle and run out the door to the subway by 7:30. $2.75
8:10am Get to my stop and swing by Starbucks before the appointment. I get a vanilla latte and the bacon cheddar and egg sandwich. Total is around $10 but I have a gift card loaded onto my Starbucks app.
My spending here went way down when I switched jobs to an office not close to a Starbucks, and then stopped going into an office at all.
8:30am My appointment goes great, if a little painful when she numbs my toe. I had to get an ingrown toenail removed. I danced ballet and pointe for years so I’m (unfortunately) used to them, but this one was terrible. The doctor and I bond over both being dancers with bad feet and they schedule me for a follow up two weeks out.
She actually says there’s been a rise in these procedures because people aren’t getting pedicures since the pandemic and aren’t cutting their toenails well! Wild.
I look silly on the subway in December wearing Birkenstocks and socks with a huge toe bandage. It looks like one of those cartoon characters who stubs their toe and it becomes 10x bigger than their other toes. $2.75
9:40am I get off at the stop before mine to stop at Rite Aid. I grab Neosporin, band-aids and epsom salt and check my notes for anything else she mentioned about caring for my toe. $12.97
10:00am When I get home, I hop into work and working with our engineers on a promotion for the New Year. I also catch up with Will since he stayed up late last night and I got up early for my appointment. He says he ended up staying up until 3:30am (!!) cleaning up his tools, working on his desk and putting up the shower curtain. I’m floored that he is functional right now after waking up at 8.
12:15pm Heat up the last of the pizza for lunch, along with hummus and carrots.
5:20pm Work is average-paced for the rest of the day. Not doing nothing, not totally over my head. Will puts in potatoes for baked potatoes to have later, which we’ll pair with a salad. We’re getting close to needing a grocery run again, so the meals are becoming more of a mishmash.
We listed a couple things on our local Buy Nothing group last week, so a woman comes by to pick up a wifi router we can’t use anymore. Would totally recommend looking up if there’s a group in your area—they’re usually on Facebook.
6:30pm After dinner I watch more Sister Wives and look up RIP Medical Debt, a nonprofit one of my friends shared for Giving Tuesday. They buy unpaid medical debt from collections, so $1 ends up paying off $100 of someone’s medical debt. I give $50 to the Arkansas campaign, which will clear $5,000 of medical debt.
As Will said earlier today, “medical billing in America is a racket” so I really hope this helps clear a burden from an individual or family. Doing this reminds me to check my insurance portal, which is steadily going up as each separate claim comes in. Ahhhh, modern healthcare! $51.49
At the end of each day please tally up your daily expenses. Then at the end of your diary please tally up all expenses in the following categories:
Total: $719.33

• Grocery + Dining Out: $157.77
• Fun + Entertainment: $0
• Home + Health: $164.67
• Clothes + Beauty: $228.64
• Transportation: $11.00
• Gifts + Giving: $157.25

​
Reflection This week felt like a big spending week for me. I checked YNAB and since January, I’ve spent about $1600 per month, not including rent—so about $400/week. That’s why this week’s $719 feels so high!
Writing this diary helped me understand how many things I have going for me. I’ve recently been in a huge funk—about my health, my performance at work and my relationships with family, friends and P. Going to the hospital, needing physical therapy to have sex and being in a pandemic will do that to you.
I was able to zoom out a bit and understand how stable and gratifying my life is. That being said, I’m so glad this community exists. I really love it and learning about all your spending and saving habits. Thanks for being here and sharing :)

I've received my money in to my bank account from 20Cogs and can confirm for certain that it is a great way to earn some easy free money.
My first withdrawal proof: Screenshot of bank account Screenshot of 20Cogs account earnings in November 2020
PROOF of £340 earnings: Screenshot of 20Cogs account earnings as of today Jan 30th 2021
This post is a walk though my experience of it, some helpful info and some proof screenshots.I want to share my referral link as using this site has been really positive for me and paid some bills this winter!
When you sign up using my link you get a £5 bonus: referral link. We both benefit from you using my link as I will receive the value of 5% of your earnings too. I hope you find this information worthwhile, and I am happy to answer questions and provide more screenshots in the comments.
**How it works:*\* Starting at Cog 1, you select from a choice of offers and complete a sign-up to unlock the cog. Once complete you move on to the next. Each completed cog earns you money.
You cash out when all the cogs are completed. You can speed through (like me) and earn less, or you can play the slow game and wait for better offers. Average is apparently around £200.
Examples of my offers:
Download the Yolt app - £5 reward
Amazon Prime free trial - £5 reward
LottoGo deposit £1.00 - £7 reward
Free 14 day Ancestry trial - £2 reward
Screenshot of cog examples
I had heard of and trusted basically every site I signed up to. Some of the offers you can spend money on, but you don't have to. I prefer not to. For instance, you can pay £1.99 for a Graze box and 20Cogs rewards you £4. You always have around 5 offers to choose from so there's always an option to not spend any money.
I spent £1 on the lotto offer as the reward from 20Cogs is £7. Then I won a fiver! Boom.
You can complete more than one offer on each cog, but I advise doing that at the end once each cog is confirmed and Cog 20 is unlocked ready for cash out. Once you have completed 20cogs and cashed out you can continue to earn and cash out repeatedly as long as earnings are over £5. GREAT news! Since collecting my £169.98 I have earned a further £174.34!
Screenshot of two complete tasks on one cog Screenshot of my 20Cogs account earnings
It's definitely worth it for a slow but steady earner. I checked mine quickly for new offers each day and chose to complete a new cog roughly on a weekly basis. It works well on both phone and desktop.
I started on 15th August 2020 and received my first payment on 25th November 2020.
Info:

• Some cogs take 30 days to confirm, but most are pretty quick. However, this doesn't affect the speed you can move on. Once you have clicked the cog link the next cog unlocks. In theory, you can unlock all 20 cogs in one day and complete all the sign-ups, then just wait for them to confirm.
• Be sure to read the Cog T's & C's. They are very clear, very helpful, and placed right next to the Cog info: screenshot. In the example 20Cogs state: "Your monthly payment [to Great Magazines] will continue if you do not cancel your subscriptions. Subscriptions can be cancelled in the My Account section.". I love this as they actively help you in the T's&C's to cancel sign-ups and ensure you are not charged ongoing fees.
• Customer service are really helpful. One of my links went to a site that didn't work, I messaged them with info and screenshots and they apologised and turned my cog green. (Avoid the MrFreeSlots sign-up).
• Make sure to use an account that you can verify if needed, just like gambling sites they may ask for ID (driving license / passport / utility bill). They did for me because I was cheeky and tried to set up two accounts which you are not allowed to do. But they had no quibbles accepting it and I received the money 3 days later.

Easy peasy. Nowt to lose. Feel free to ask me questions!
Imgur album link for all linked screenshots/proof: https://imgur.com/a/s1haZZS
Referral link Nonref link
​
​
edit: formatting

Up to £219.11 profit in cashback through gambling offers with TopCashback, Quidco and OhMyDosh
TopCashback, Quidco and OhMyDosh always have a number of gambling offers available, with the offered amounts often changing daily or weekly. There are currently quite a few offers available on each where the cashback amount is more than the required deposit or wager amount. I've done most of these and always keep an eye out for when the amounts increase, to make sure I can get the most for my money. The offers they have on at the moment are some of the best I've ever seen for them.
The first step is to sign up for the cashback sites if you haven't already. If you use a referral link to sign up then you can get an extra bonus once your cashback becomes payable:

• TopCashback referral link (£5 bonus / non-ref link (no bonus)
• Quidco referral link (£5 bonus) / non-ref link (no bonus)
• OhMyDosh referral link (£2 bonus) / non-ref link (no bonus)

Then the next step is to work through the offers. These are all only available for new customers, so if you already have an account with one of the sites then you won't be eligible for the offer from them unfortunately. It's also worth checking the terms as some have specific wagering requirements, for example Betfair Casino must be completed within 3 days of opening your account and low risk roulette bets (covering 25 or more of the 37 outcomes) are excluded from counting towards the wager.
Offers

#	Site	From	Cashback	Deposit/Wager	Profit
1	Coral Casino	TCB	£42	£10	£32
2	Ladbrokes Casino	TCB / Quidco	£42	£10	£32
3	Betfair Casino	Quidco	£40	£10	£30
4	William Hill Casino	TCB / Quidco	£54	£25	£29
5	Pokerstars	TCB / Quidco	£32	£20	£12
6	Paddy Power Games	TCB / Quidco	£20	£10	£10
7	Lottomart	TCB	£18	£10	£8
8	Foxy Bingo	OMD	£12.50	£5	£7.50
9	Gala Bingo	OMD	£12.50	£5	£7.50
9	Buzz Bingo	OMD	£17.50	£10	£7.50
10	Lottoland	TCB	£22	£15.01	£6.99
11	Tombola	TCB / Quidco	£15	£10	£5
12	Cheeky Bingo	OMD	£15	£10	£5
13	BingoPort	TCB	£4	-	£4
14	LottoGo	OMD	£4.50	£2	£2.50
15	Free Slots Genie	OMD	£1.25	-	£1.25
16	Profit Accumulator	TCB	£1.05	-	£1.05
17	The Best Free Spins	OMD	£1	-	£1
18	Free Spins Wizard	OMD	£1	-	£1
19	Pick My Postcode	TCB	£0.90	-	£0.90
20	Search Lotto	TCB	£0.82	-	£0.82
21	Free Spins Loopy	OMD	£0.80	-	£0.80
22	Super Free Slots	OMD	£0.70	-	£0.70
23	FreeBingoGenie	OMD	£0.60	-	£0.60
24	bgo	OMD	£10	£10	-
24	Slingo	OMD	£20	£20	-

Notes
If you complete all these offers then you should make £207.11 cashback in profit through the offers alone. If you are new to the cashback sites and sign up through referral links then this will be £219.11 instead. There's also a chance you can make a profit on any or all the offers and walk away with even more.
There's also a final few key points:

• Make sure you have all adblockers and tracking protection switched off as otherwise this may lead to issues with the cashback tracking correctly.
• I've listed the highest paying in terms of deposit/wager to cashback offers here, but if you have a preference for one cashback site over the other then they often offer very similar amounts if you'd rather go with the other instead.
• Similarly, some sites (OhMyDosh in particular) offer a lower cashback amount but also a lower deposit/wager amount, which may be more appealing to some.
• Some of the offers may require a premium subscription to receive the mentioned amount. I wrote a guide to maximising cashback that explains these.
• I don't like to say the cashback is guaranteed as all the cashback sites say it never is, but I've never had an issue with any of these sites, whether through gambling or other offers.
• Please be aware that these all these offers all are gambling, so I'd highly recommend depositing and wagering only the mimimum amount required to get the cashback, then withdrawing any profit you may have made.
• Please Be Gamble Aware when using these sites.

Let me know if you have any questions about any of these offers :)

I have been tuning into each weeks AMA for the past 6 months. This weeks AMA has been like no other. So many things were covered so here is the summary & includes rapid-fire round:
Stats
- 8.75b AUM (excluded California due to no lending licence); now updated on app & website
- 400k signups total, 18k last week
- 327m gross transfers
- 88m net deposits
- 1m paid in promocodes last week
- 5.8m paid in interest last week
​
Upcoming
- Crypto card, builds credit score "Best crypto credit card" coming in Q2 & NO FEES
- USA no KYC in April = easier onboarding
- In app swap early March/April, means Celsius saves on gas withdrawal fees
- USA accredited investor (earning >$200k), can earn in CEL in April
- Celsius web app coming end of march for everyone, currently in beta testing for corporate clients
- Next 6 months all US states will be able to take out loans
- Q2 can be paid your salary in stablecoins
- Confirmation of 2 exchanges that will be listing CEL - not named yet
- Any interest to any other coin in Q3
- In app chatbot
- Soon able to see data & info on the app without having to login. This does not compromise security
​
Safety
- 2b balance sheet to cover any possible losses
- Opt in (0.5%) to create a insurance pool to cover any losses
​
General & Rapid-fire
- Stablecoins rates increased by 19.3% (13.86% > 16.54% if earned in CEL)
- Texas cant use stablecoins.. Workaround is they can use DIA and get the same rate
- Celsius have a 1,300 page filing with FCA, got their thumbs up
- Still profitable, no hacks, no institutions defaulted to date
- IOTA removed from app custodian did not support it
- Currently a technical problem in NY state with primetrust vendor and depositing stablecoins
- Alex is in talks with Elon regarding a joint programme, buy a Tesla using a collateralised loan
- Stablecoins are arguably safer than fiat as they are held in treasuries (they are backed)
- Working closely with many banks for their services, i.e cards.
- Celsius have mining rigs to mine BTC
- Next equity round 20m allocation to the community to invest in Celsius
​
Promo code
$50 bonus if loans > $500
$100 bonus if loans > $5,000
Expires Feb 14th 2021
Code: LOANLOVE
- ALL loans in UK are 0% interest
​
Infrastructure
- Another 30 agents, already doubled
- Formed company in Australia, hired 2 people. Australia lending programme coming in approx. 2 weeks
- 4 new employees in the loan department
​
Articles/Info
- https://cointelegraph.com/top-people-in-crypto-and-blockchain/alex-mashinsky
- https://cointelegraph.com/news/robinhood-and-gamestop-proved-we-need-a-new-financial-system
- https://celsiushub.com/video_library ;search for anything and get the answer via a video
- Celsius VS Blockfi: https://twitter.com/DylanSeese/status/1360028645423796225/photo/1
- Tuesday 8pm EST time, clubhouse event
​
Please let me know if anything is incorrect, I will update it.
If anyone would like to signup via my ref link you can find it below :)
https://celsiusnetwork.app.link/15372544f4

December 2020 Beer Money UK Earning Report
This is my third month of using BeerMoneyUK to supplement my income. This month I made £2,342.
Here are my tow previous reports
October earnings report £774.25
November earnings report £2,731.24
Many thanks again to everyone who used some of my links to sign up for the offers. It is much appreciated. Hope you got some good Beer Money from it and remembered to share your links
Hope the below report is useful for people to see what are some of the best paying / most popular referral programmes.
This month I guestimate I worked about 50 hours to achieve this.
I am setting myself a goal to make £1,500 per month for 2021 or a total of at least £18,000. I think / hope this is achievable 🙏 .
Hope everyone has a great 2021, we all deserve it after such a bad 2020 !!!
Any questions just let me know. I am happy to help 😊
​

Company / link to Reddit post	Referral Link / Non - Referral Link	Sign Up Bonus	Required Min Purchase / Transfer Amount	My Earnings
Zumo	Referral link / Non referral Use referral code: ABC123	£10.73	£0	£669.44
Swissborg	Referral link / Non referral	€1-100 (Average ~€10)	€50	£211.06
WorldRemit	Referral link / Non referral	£20	£100	£200
Zelf	Referral link / Non referral	€5	€0	£145
Metro Bank	Referral link / Non referral	£50	Pay in salary or £500 pm	£100
Gemini	Referral link / Non referral	£8	£80	£92.87
Curve	Referral link / Non referral	£5	£0	£95
TFG Crowd	Referral link / Non referral	€20	€100	£90
Currency Fair	N/A	€50	€2,000	£90
Transferwise	Referral link / Non referral	£75 for 3 referrals	£200	£75
Xendpay	Referral link / Non referral	€10	€100	£65
Bitwala	Referral link / Non referral	€15	€30	£54
Tickr	Referral link / Non referral	£12	£5	£48
Vybe	Referral link / Non referral	£2	£0	£44
Bitpanda	Referral link / Non referral	€20 + €5 for quiz	€25	£36
Coinfield	Referral link / Non referral	£11	£100 (need to buy SOLO)	£35
Celsius	Referral link / Non referral	$40	$200	£33
Mode	Referral link / Non referral	£10	£100	£30
Skrill	Referral link / Non referral	£10	£100	£30
ViaInvest	Referral link / Non referral	€15	€50	£27
Instarem	Referral link / Non referral	£10	£200	£22.20
Luno	Referral link / Non referral	£10	£100	£20
Snoop	Referral link / Non referral	£5	£0	£20
TransferGo	Referral link / Non referral	£20	£50	£20
October	Referral link / Non referral	€20	€500	£18
Kriptomat	Referral link / Non referral	€10	€100	£18
Oval	Referral link / Non referral Referral code: KPN6NPYYU	£5	£6	£15
Easy Send	Referral link / Non referral	£10 for a referral	£100	£10
Costa Coffee	Referral link / Non referral Referral code: X8LOZ	£3	£2-3	£9
Verse	Referral link / Non referral	£5	£4	£10
Wirex	Referral link / Non referral	$10	£80	£5.35
InstaCoin	Referral link / Non referral	£5	£50	£5.08
BlockFi	Referral link / Non referral	$10	£100	£0
Twino	Referral link / Non referral	£15	£100	£0
Azimo	Referral link / Non referral	£10	£90	£0
Cash App	Referral link / Non referral	£5	£50	£0
Passfolio	Referral link / Non referral	$1-100	$25	£0
Quidco	Referral link / Non referral	£5	£5 in cashback	£0
Crypto Exchange	Referral link / Non referral	$50	£250 (5,000 staked in CRO)	£0
TopCashBack	Referral link / Non referral	£5	£5 in cashback	£0
Lenndy	Referral link / Non referral	€10	€100	£0
			TOTAL	£2,342

​

£7.50 and 1.25% interest on up to £5000 with Chip - £5 from them and £2.50 from me (UK - ending 3rd February)
Chip offer an automatic savings app and access to Chip+1, which gives you 1.25% on up to £5,000 with them.
They're currently offering £5 for making a deposit and maintaining a positive balance for 60 days. I'm offering an extra £2.50 on top of that via Cash App, Revolut, Verse or PayPal for a total of £7.50.
The £5 bonus will be added to your Chip+1 account within 10 days of meeting these requirements, so within 70 days of making your deposit. Here are the full terms of the offer:

• Entering a Platinum Pass code will unlock the market-leading Chip+1 account (where you can earn a 1.25% variable return on savings), and entitles you to a £5 welcome bonus.
• To be eligible for this offer you need to be a completely new customer to Chip.
• To successfully qualify you need to download the Chip app, set up an account, enter a valid Platinum Pass code and make a deposit before 12:00pm Wednesday 3 February 2021.
• To be eligible for the £5 bonus you must have a positive balance in Chip 60 days after entering the qualifying Platinum Pass code.
• The £5 cash bonus will be credited into your Chip+1 account no earlier than 60 days (and no later than 70 days) after successfully entering the qualifying Platinum Pass code.
• Please note you won’t earn an additional percentage bonus on this £5 bonus (i.e. you earn a 1.25% on all money you deposit/auto-save into your Chip+1 account, but not on this £5 bonus).
• This is a discretionary bonus, and we reserve the right to withdraw the offer if you violate the terms of use for Chip.
• Platinum Pass codes are valid from 12:00pm Wednesday 27 January until 12:00pm Wednesday 3 February 2021.

It's also worth noting that there is a £1.50 monthly charge for using the ChipAI features to autosave with them. You can turn this off if you like in your profile under the Your Plan section and switching to ChipLite instead, which has no monthly fee. This removes access to the autosave features and means you can earn interest on up to £2000 rather than £5000 in your Chip+1 account.
Steps

• Comment $bid on the post and I'll send you my referral code.
• Download the app from here.
• Make sure to enter my code when signing up.
• Make a deposit and maintain a positive balance for 60 days.
• You'll see £5 added to your Chip+1 account shortly afterwards.
• I'll send the extra £2.50 once we receive the bonus :)

Links

• Terms and conditions
• My current /signupsforpay offers!

SwissBorg is a Switzerland-based decentralized cryptofinance app.
Between December 23rd & January 1st, 2021, Swissborg is offering a double referral bonus for every new user who signs up through a ref. link and deposits at least €50/£50. It means that you will get a random voucher valued between €2-€200 in BTC once your deposit is complete. See more about the increased bonus here: https://swissborg.com/blog/double-rewards-christmas
It works in the UK.

1. Sign up on Swissborg through this link: https://join.swissborg.com/juliusIKPF ----- non.ref.(no bonus)
2. Verify your phone number and create an account on the app.
3. Verify your identity with a Passport/ID and a selfie.
4. Deposit at least €50/£50. You can do it by any of the supported cryptocurrency or bank transfer.
5. You will receive a voucher with a random amount between €2-€200 in BTC immediately after your deposit reaches your account..

You can withdraw your deposit together with the bonus back to your back account right after you get it.
There are no fees for depositing. The Withdrawal fees are 0.10% (minimum €1).

Bitwala is a fantastic Euro Account that is available to people in the UK and Europe.
If you would like to have a free European bank then Bitwala are offering a €15 sign up bonus for opening an account with them and creating your Bitcoin wallet in their app.
Many BeerMoneyUK's recommend using Bitwala to take advantage of the many different offer that are avliable here in Euros such as money transfer and investment.
I have been using Bitwala for 3 months and their service is fantastic. It is a really useful bank to have to access Euro payments and buy and sell crypto. I highly recommend Bitwala, if you have not got an account yet you should consider signing up for one to take advantage of more offers in 2021.
Currently Bitwala are offering new customers a €15 bonus that sign up for an account and make their first purchase on Bitcoin using Bitwala. The bonus is paid out to both the new user and refer within 15 days of them making their first purchase of Bitcoin.
I really like Bitwala and use it a few times a week for sending/receiving Euros and buying/sending Bitcoin.
Links:
My Referral link €15 bonus (make sure you do this from your phone)
Non-referral link No bonus
Refer a friend Terms and conditions
Invite your friends to Bitwala
Benefits of Bitwala
Other benefit of Bitwala is a German bank account with following features:

• Free German IBAN XXXX
• Free SEPA transfers and withdrawals
• European deposit insurance scheme for up to 100,000€
• Built in Bitcoin exchange
• Built in Bitcoin saving 4.5% APR
• Bitcoin wallet (with you own keys)
• Mobile app for iOS and Android
• Online Banking
• Free debit card (if required)

Steps to get your €15 bonus
Follow these two simple steps below to ensure your bonus:

1. Sign up using My Referral link (make sure you do this from your phone)
2. Verify your identify - this will involves a short video call for which I'd recommend preparing your passport and driving license (or proof of address). The call can be made any time as they are open 24 hours (whoever it might take a few mins to connect).
3. Create a bitcoin wallet in your account. You must do this step. Only takes a few mins (you just need paper and pen to write down some words).
4. When you have your new account set up. You will need to transfer €35 into it by a SEPA transfer. This can be done using; TransferWise, WorldRemit, Startling, Monese, Revolut, or any other account with a Euro account.
5. Once you have received the €35 you then need to purchase at least €30's worth of Bitcoin. Once you have done this you will receive an email to confirm your purchase and your balance will be updated within10 min in the app.
6. The free bonus €15 will then be credited to your account within 15 business days.
7. You can then withdraw the bonus or leave it in Bitwala.

A note on fees. Bitwala will charge you a 1€ trade fee for purchasing the €30 of Bitcoin, they will also charge you the network fee of about €1, you will also need to pay the network fee again when you send your Bitcoin to a different address. So profit all together will be about €12.00. You can maximize this buy buying / sending / moving your Bitcoin only on the weekends when the network fees go down to about €0.20.
Bitwala also do not payout if you tell them you got the link on Reddit. Therefore make sure you sign up using My Referral link on you phone.
Let me know if you have any questions.

Get up to nine (9) free stocks (valued up to $6000 total) plus a $105 cash bonus when you sign up for any commission free stock trading app with no deposit required like Public, Firstrade, Robinhood and Webull or a small deposit like SoFi Invest, Moomoo, and M1 Finance. You can buy stocks like Tesla and Google for as low as $1 with fractional shares at M1 Finance, Robinhood, Public, and SoFi Invest! Free stocks are available to US residents only.
Plus enjoy a minimum of $260 (up to $410) in free cash/Bitcoin bonuses from Crypto.com ($25 Cash), Voyager ($25 Bitcoin), BlockFi ($10 Bitcoin), Celsius Network ($130 Bitcoin Bonus), ZenGo ($10 Cash), Gemini ($10 Bitcoin), Spot ($5 Bitcoin), Coinbase ($10 Bitcoin + $170 Bonus), and Crypterium ($5 Cash) by signing up and making a small deposits/transactions! All companies are regulated and licensed. Crypto.com, Celsius Network, BlockFi, ZenGo, Gemini, Coinbase, and Crypterium are open to users globally, but Voyager and Binance.US are available to US customers only.
More details below! Be sure to use each referral link or promo code to get your free stock, cash, and Bitcoin bonuses and thank you!

• Webull with 2 Free Stocks - https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02
• Firstrade with 3 Free Stocks - https://share.firstrade.com/DavidMPYG
• Moomoo with 2 Free Stocks - https://j.moomoo.com/001zFH
• Public with 1 Free Stock - https://share.public.com/domaindave
• M1 Finance with $30 Cash Bonus - https://m1.finance/wG5ouGBolHyU
• SoFi Invest with $50 Cash Bonus up to $2575 - https://www.sofi.com/share/invest/1919989
• Robinhood with 1 Free Stock - http://invite.robinhood.com/davids2005
• Voyager Crypto Trading App with $25 in Free Bitcoin - https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579 or https://play.google.com/store/apps/details?id=com.investvoyager (and use reward code O6E5JJ during signup)
• BlockFi with $10 in Free Bitcoin - https://blockfi.com/?ref=c316afd8 (or use referral code c316afd8 during signup)
• Celsius Network with $130 in Free Bitcoin - https://celsiusnetwork.app.link/1891962be1 (or use promo code 1891962be1 during signup)
• Crypto.com with $25 Cash Bonus - https://platinum.crypto.com/bcsbb2r465 (or use code bcsbb2r465 during signup)
• ZenGo with $10 Cash Bonus - https://get.zengo.com/invite/?code=ZENEBJ94 (or use code ZENEBJ94 during signup)
• Gemini with $10 in Free Bitcoin - https://gemini.com/share/mllyldt7
• Spot Wallet with $5 in Free Bitcoin - https://spotwallet.app/QhunPx3vp1imBEdK9 (use invite/referral code QhunPx3vp1imBEdK9 after login)
• Coinbase with $10 in Free Bitcoin + $170 Bonus - https://www.coinbase.com/join/5a29d6adad50d7010b47bac0
• Binance US - https://accounts.binance.us/en/register?ref=35011786 (or use referral 35011786)
• Crypterium Wallet App with $5 Cash Bonus - https://crypterium.app.link/DU5iX9vsDY (or referral code cdgy4 during signup)

Webull (2 Free Stocks up to $1800)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive two (2) free stocks (valued between $8 to $1600 each, up to $1800) when you open a stock brokerage account (within 24 hours) and make an initial deposit of $100 or more! This is a limited time promo bonus from Webull when you use the referral link!
You do not need to invest the money deposited and simply transfer the money back to your bank after receiving the three free stock bonuses.
You get a free stock for opening a brokerage account plus another free stock for making an initial deposit of $100 or more! That's two (2) free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02 to receive your two free stocks up to $1800 for just an initial deposit of $100 or more!
Thank you!

Firstrade (3 Free Stocks up to $600, No Deposit Required)

Sign up and open a Firstrade Stock Trading Account (https://share.firstrade.com/DavidMPYG) and get a 3 free stocks instantly (valued up to $200 each) when your taxable trading account is approved. You get one free stock when your account is approved with no deposit required. You'll receive 2 more free stocks when you make a deposit of $100 or more within 30 days! That's 3 free stocks! US customers only.
Firstrade offers commission free stock, ETF and mutual funds trading via the web or mobile apps (iOS and Android)! Plus your account is SIPC insured up to $500,000!
You're guaranteed 3 free stocks, but you have a 1 in 100 chance of getting Apple, Facebook, AMD or Bank of America! Plus a chance to win one of 20 iPhone 12 phones being raffled if you sign up by January 15, 2021.
Be sure to use my Firstrade signup link to receive your free stocks and thank you! - https://share.firstrade.com/DavidMPYG
Thank you!

Moomoo (2 Free Stocks up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $4-$1000) when you make an initial deposit of $100 or more. Plus earn additional free stock when you make total net deposits of $1500 or more! That's two free stocks when you have net deposits of $1500+.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your two free stocks! - https://j.moomoo.com/001zFH
Thank you!

Public (1 Free Stock up to $1000, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $1000 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

M1 Finance ($30 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $30 cash bonus after you make a deposit of $100 or more when you open a taxable (non-retirement) account within 30 days. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make a deposit of $100 or more to get $30 cash bonus. If you open an IRA account, then you must make a deposit of $500 or more to get the $30 cash bonus and open a taxable (non-retirement) account.
The initial deposit must remain in the account for 30 days to receive the bonus.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

SoFi Invest ($50 Cash Bonus up to $2575)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF. Plus you can buy any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account. You do not need to invest your deposit into a stock/ETF to earn the bonus.
Your SoFi Invest account is SIPC insured up to $500,000!
After you receive your $50 bonus, you can more free cash bonuses with SoFi Invest when you:

• Transfer any taxable or retirement account to SoFi Invest and receive another cash bonus between $25 to $2500 - more details at https://www.sofi.com/ACAToffer
• Buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum and receive another $25 cash bonus

That's a potential $2575 in cash bonuses with SoFi Invest!
Be sure to signup at https://www.sofi.com/share/invest/1919989 to get your $50 bonus.
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! It's free money just for signing up!
Plus you can buy any stock or ETF like SPY and Tesla for as low as $1 with fractional share investing.
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 0.30% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Voyager ($25 in Free Bitcoin + Up to 9% APY Interest)

Get $25 in free Bitcoin (BTC) when you download and signup for the Voyager Crypto Trading App with reward/promo code O6E5JJ and trade at least $100 or more in crypto (buy and/or sell). Only available to US residents.
To get your $25 in free Bitcoin after trading (buy/sell) $100 or more in crypto, use reward/referral code O6E5JJ during registration:

• Download the iOS app at https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579 - use reward/promo code O6E5JJ
• Download the Android app at https://play.google.com/store/apps/details?id=com.investvoyager - use reward/promo code O6E5JJ

Voyager App allows you to connect a bank account and deposit cash directly. The easiest way to get the bonus is depositing at least $100 into your account to buy at least $100 of Bitcoin or Ethereum. Then sell the Bitcoin/Ethereum immediately. You'll receive your $25 in free Bitcoin bonus and can transfer the money back to your bank.
Voyager App offers commission-free cryptocurrency trading for over 20 cryptos and its currently available to residents in all U.S. states (excluding New York state).
Plus, you can earn monthly interest on your crypto holdings up to 9% APY interest annually on Bitcoin, Ethereum, Litecoin, USDC, and USDT!
Please use my referral code by downloading the iOS app or Android app and use reward/referral code O6E5JJ during registration. It's an easy way to earn a $25 worth of free Bitcoin after you buy $100 or more in crypto and cash out the profit back to your bank!
Thank you!

BlockFi ($10 in Free Bitcoin + Earn up to 8.6% Per Year on Crypto Deposits)

Sign up for BlockFi (https://blockfi.com/?ref=c316afd8) and receive $10 in free Bitcoin bonus when you deposit $100 or more (like free ACH bank transfer, Bitcoin or USDC) and maintain the qualifying deposit for 30 days. The bonus is deposited on the following month after deposit. Do not withdraw from your balance or you WILL LOSE the Bitcoin bonus payment. Just wait until you receive your Bitcoin bonus then you can withdraw from your account.
This promotional $10 Bitcoin bonus is available to all customers globally!
Plus you'll earn up to 8.6% per year on the cryptos you deposit into your BlockFi account like Bitcoin, Ethereum, Litecoin, PAX, GUSD and USDC. Interest is compounded monthly and paid out on the 1st of every month.
You can download the iOS app (https://apps.apple.com/us/app/blockfi/id1506274532) or Android app (https://play.google.com/store/apps/details?id=com.blockfi.mobile). Be sure to use referral code c316afd8 during signup to get your $10 Bitcoin bonus after initial $100 or more deposit (like ACH bank transfer, Bitcoin or USDC).
Referral bonuses are paid on the 15th of every month following the holding month. i.e New clients who deposit in January and hold in February, will get paid on the 15th of the following month (March).
BlockFi supports free ACH deposits (US only), bank wire transfers and deposits via crypto. If you want to buy crypto and deposit on BlockFi, you will need to use Coinbase, Gemini, Liquid, Binance US or Binance to link your bank account to buy crypto and transfer to BlockFi.
In addition to earning interest on your crypto deposits, BlockFi allows you to exchange cryptos like BTC for Ethereum and take out a loan without selling your crypto.
BlockFi is available to all customers globally including in all 50 US states! BlockFi is a licensed and regulated company in the United States.
Remember to sign up at https://blockfi.com/?ref=c316afd8 to get your $10 in free Bitcoin bonus.
Thank you!

Celsius Network ($130 in Free Bitcoin + Up to 22% APY Interest)

Sign up on Celsius Network (https://celsiusnetwork.app.link/1891962be1 or use promo code 1891962be1 during signup) and you'll get $20 in free Bitcoin (BTC) after first deposit of $200 or more in crypto (like Bitcoin, Ripple, Ethereum, USDT, USDC) within 30 days! Just complete the registration and KYC process to earn your free Bitcoin after qualifying deposit!
Plus earn an additional $110 in free Bitcoin with additional in-app promo bonus codes listed below after you complete registration.
Celsius Network pays you interest (compounded, up to 18.55% annually) every week on your crypto deposits like Bitcoin, USD, and PAX/Tether Gold. Earn up to 16.54% APY on stablecoins like USDC, USDT, DAI, GUSD, TGBP, and more! Plus there are no minimum deposit and no fees to deposit or withdrawal!
Your free Bitcoin is locked for 30 days after your initial deposit and available to withdrawal after 30 days. You cannot withdraw any funds deposited for 30 days or else you will lose the Bitcoin bonus!
Here's the process to claim your free $130 in Bitcoin/Celsius bonuses:

1. Sign up for Celsius Network at https://celsiusnetwork.app.link/1891962be1 (or use promo code 1891962be1 during registration at https://celsius.network/ to secure the $20 Bitcoin bonus on the first deposit)
2. Complete the KYC process including ID verification
3. Deposit $200 or more in crypto to receive your $20 in free Bitcoin bonus like Bitcoin, Ethereum and USD stablecoin.
4. Bitcoin bonus is locked for 30 days after qualifying deposit and after 30 days you can keep or withdraw it. DO NOT WITHDRAW any crypto from your account during the 30 days after qualifying deposit OR YOU WILL LOSE the bonus. Wait until the bonus is unlocked.
5. Go to Profile -> Enter a Promo Code and input promo code WEB40 to earn additional $40 in free Bitcoin after making any crypto deposit of $200 or more.
6. Go to Profile -> Enter a Promo Code and input promo code TRUST to earn additional $50 in free Bitcoin after making any crypto deposit of $2000 or more.
7. Go to Profile -> Enter a Promo Code and input promo code BANTER20 to earn additional $20 in free Bitcoin after making any crypto deposit of $1000 or more!
8. Make a total deposit of $3400 to unlock all bonuses or deposit each amount separately to unlock each bonus individually

At the moment you can't link a bank account to deposit cash to your Celsius Network account so you'll need to use Coinbase, Binance US, Crypto.com or Gemini to buy crypto like Bitcoin or USDC and transfer to your Celsius account. Then transfer back to cash out and back to your bank.
Remember to use my Celsius Network referral link - https://celsiusnetwork.app.link/1891962be1 or use promo code 1891962be1 during registration to get your first $20 in free Bitcoin and enter the additional promo codes after successful registration for more free Bitcoin.
Thank you!

Crypto.com ($25 Cash Bonus + Up to 12% APY Interest)

Get $25 free cash bonus when you signup and open a Crypto.com account (https://platinum.crypto.com/bcsbb2r465) or use referral code bcsbb2r465 during registration. Plus for the first 30 days after registration, you'll pay 0% fees on crypto purchases using a credit or debit card.
After you buy and hold 5000 CRO (Crypto.com) tokens, the $25 cash bonus is unlocked to your wallet to spend with your free MCO Visa prepaid card which earns up to 5% cashback on all purchases with free Netflix, Spotify and Amazon Prime membership! This offer is available to all users globally!
Crypto.com is the best place to buy and sell cryptocurrency with fees as low as 0.10%. Plus you'll earn up to 8% interest per year on the cryptos you deposit into your Crypto.com account like Bitcoin, Ethereum, Litecoin, Binance Coin, and PAX Gold. You'll earn up to 12% interest per year on stablecoin deposits like USDT, USDC, DAI, PAX, GUSD and TGBP. Interest is paid weekly!
You can buy 5000 MCO (Crypto.com) tokens via the Crypto.com app with bank transfer, credit card or crypto like Bitcoin. 5000 CRO will cost between $325 to $400 depending on the price of CRO tokens. The 5000 CRO tokens will be locked up for 6 months.
Visit https://platinum.crypto.com/bcsbb2r465 or download the Crypto.com app for iOS or Android and use my referral code bcsbb2r465 during registration to get your instant $25 cash bonus.

ZenGo ($10 Cash Bonus)

Get free $10 USDC cash back when you download and signup for the ZenGo Crypto Wallet App (https://get.zengo.com/invite/?code=ZENEBJ94) with referral promo code ZENEBJ94 and buy at least $200 or more in crypto (like Bitcoin and Ethereum). ZenGo is a non-custodial wallet and available to all users globally including US, Europe and Asia.
You will earn a one-time cashback reward of 10 USDC from ZenGo when you purchase 200 USD or more of crypto in the ZenGo app. This can be achieved with a single purchase or multiple purchases. After you receive the bonus, you can transfer it to an external wallet or exchange it for another crypto like Bitcoin.
ZenGo App is available on iOS and Android! Buying crypto in ZenGo is easy and safe. You can buy Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC), and more with your credit card (Visa and Mastercard), Apple Pay (Visa and Mastercard), bank transfer (SEPA and Swift), or debit card (Maestro).
ZenGo allows you to send crypto to any address with no minimums, maximums or extra fees plus you can earn interest on your cryptocurrencies with no lockups and high APRs!
Sign up for ZenGo at https://get.zengo.com/invite/?code=ZENEBJ94 or use referral code ZENEBJ94 during registration to receive your free $10 USDC cash back after you buy $200 or more in crypto.
Thank you!

Gemini ($10 in Free Bitcoin)

Get $10 in free Bitcoin when you signup for Gemini, a US-based regulated and licensed cryptocurrency exchange. This offer is available to NEW USERS ONLY residing in the United States, United Kingdom, Canada, Hong Kong, Singapore, and South Korea.
Follow these steps:

1. Sign up for a Gemini account with my referral link at https://gemini.com/share/mllyldt7 (new users only)
2. Verify your identity
3. Link your bank account and deposit $100 or more
4. Buy or Sell 100 USD of any crypto within 30 days of opening an account and Gemini will deposit your bonus of $10 worth of Bitcoin within a day.

After you receive your free $10 of Bitcoin, you can sell your cryptos and transfer the cash back to your bank! Gemini also allows you to transfer any crypto to an external wallet for free with no withdrawal fees.
Gemini is regulated by the New York State Department of Financial Services (NYSDFS) and was founded in 2014 by Cameron and Tyler Winklevoss.
Thank you!

Spot Wallet ($5 in Free Bitcoin)

Get free $5 in Bitcoin instantly when you download the Spot Crypto Wallet App (https://spotwallet.app/QhunPx3vp1imBEdK9) and use invite/referral code QhunPx3vp1imBEdK9 and buy at least $100 or more in Bitcoin and/or Ethereum. Spot Wallet is a non-custodial wallet and available to all users globally including US, Europe and Asia.
You will earn a one-time $5 reward in Bitcoin from Spot when you purchase 100 USD or more of crypto in the Spot app using Apple Pay, Google Pay, Visa or Mastercard. After you receive the bonus, you can keep in your Spot wallet or transfer it to an external wallet.
Spot Wallet App is available on iOS and Android! Buying crypto on Spot is easy and safe. You can buy Bitcoin (BTC) and Ethereum (ETH) with your debit/credit card (Visa and Mastercard), Apple Pay, and Google Pay. Early investors in Spot include Ledger and Memo Bank.
Download Spot at https://spotwallet.app/QhunPx3vp1imBEdK9 and use invite/referral code QhunPx3vp1imBEdK9 (go to 'Account' -> 'Enter invite code') to receive your free $5 in Bitcoin after you buy $100 or more in crypto.
Thanks!

Coinbase ($10 in Free Bitcoin + $170 in Bonus Crypto)

Sign up for a Coinbase cryptocurrency account (https://www.coinbase.com/join/5a29d6adad50d7010b47bac0) and get $10 of free Bitcoin (BTC) after you buy or sell $100 or more in cryptocurrency like Bitcoin, Ethereum, and Bitcoin Cash. You will also need to verify your identity. This offer is available to all customers globally!
In addition, get $43 in free BAND Token by visiting https://coinbase.com/earn/band/invite/nqcpf2yz by watching tutorials and answering simple questions about cryptocurrency with Coinbase Earn! You'll also get additional free cryptocurrencies without any deposit or trading required. You can easily make up to $180 in free cryptocurrency and cash out the money back to your bank!
You can also earn 0.15% annual interest holding USDC tokens (for US customers) and 4% annual interest staking Tezos tokens (for US, UK, and EU customers)!
Coinbase is one of the most trusted and easiest place to buy, sell, and manage your digital currency portfolio and its available in 100+ countries around the world! Coinbase allows you to deposit/withdrawal funds via free bank transfer, credit/debit card or bank wire.
Remember to use my referral link to get your $10 of free Bitcoin after trading $100 or more in crypto plus another $170 in free crypto bonuses - https://www.coinbase.com/join/5a29d6adad50d7010b47bac0
If you already have a Coinbase account, you get $43 in free BAND Token by visiting the following referral links:

• https://coinbase.com/earn/band/invite/nqcpf2yz ($43 in free BAND token)

Thank you!

Binance US

Sign up for a free account on Binance.US to buy and sell cryptocurrency and enjoy fees as low as 0.075%! Binance US allows you to connect a bank account and deposit cash directly via ACH deposit for free to buy crypto. Or you can use a debit card to buy crypto.
Please use my referral link https://accounts.binance.us/en/register?ref=35011786 or use referral ID 35011786 during registration.
Binance.US is only available to US customers and in most states, but not all states. At the moment, Binance.US accounts is NOT available in the following states: Connecticut, Hawaii, Idaho, Louisiana, New York, Texas, Vermont, Washington.
Thank you!

Crypterium ($5 Cash Bonus)

Have you tried the Crypterium Crypto Wallet App for iOS and Android? Sign up for Crypterium at https://crypterium.app.link/DU5iX9vsDY (or use referral code cdgy4 during signup) and get a $5 cash bonus by verifying your identity and make a transaction worth €50/$60 or more (like buy or sell crypto) via the Crypterium Wallet app. The bonus is deposited within 72 hours.
Crypterium lets you buy, send, exchange or cash out crypto, and even get the first global crypto card! The Crypterium Wallet is regarded as one of the most promising fintech solutions by KPMG and H2 Ventures. Making crypto as easy to spend as cash!
Plus for a limited time, get a Crypto Loan in USDT from Crypterium for 0% interest for up to 12 months by using Bitcoin or Ethereum as collateral. Get approved in as little as 30 seconds without credit checks!
The Crypterium App supports cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, CRPT, XRP, LINK, MKR, QASH, BAT, ZRX, REP, OMG, USDC, USDT, DAI, and EURS.
Register at https://crypterium.app.link/DU5iX9vsDY to receive a link to download the app or use my referral code cdgy4 during signup at https://crypterium.com and get your $5 cash bonus!
Thank you!
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https://preview.redd.it/hd0iqgjbavg61.png?width=2394&format=png&auto=webp&s=dbcd04a5d2d9715e56f03063b72b2cc7a75bf68e

Bitwala is a great Euro Bank Account that is available to people in the UK and Europe.
If you would like to have a free European bank then Bitwala are offering a €15 sign up bonus for opening an account with them and creating your Bitcoin wallet in their app.
Many BeerMoneyUK's recommend using Bitwala to take advantage of the many different offer that are avliable here in Euros such as money transfer and investment.
I have been using Bitwala for 3 months and their service is fantastic. It is a really useful bank to have to access Euro payments and buy and sell crypto. I highly recommend Bitwala, if you have not got an account yet you should consider signing up for one to take advantage of more offers in 2021.
Currently Bitwala are offering new customers a €15 bonus that sign up for an account and make their first purchase on Bitcoin using Bitwala. The bonus is paid out to both the new user and refer within 15 days of them making their first purchase of Bitcoin.
I really like Bitwala and use it a few times a week for sending/receiving Euros and buying/sending Bitcoin.
Links:
My Referral link €15 bonus (make sure you do this from your phone)
Non-referral link No bonus
Refer a friend Terms and conditions
Invite your friends to Bitwala
Benefits of Bitwala
Other benefit of Bitwala is a German bank account with following features:

• Free German IBAN XXXX
• Free SEPA transfers and withdrawals
• European deposit insurance scheme for up to 100,000€
• Built in Bitcoin exchange
• Built in Bitcoin saving 4.5% APR
• Bitcoin wallet (with you own keys)
• Mobile app for iOS and Android
• Online Banking
• Free debit card (if required)

Steps to get your €15 bonus
Follow these two simple steps below to ensure your bonus:

1. Sign up using My Referral link (make sure you do this from your phone)
2. Verify your identify - this will involves a short video call for which I'd recommend preparing your passport and driving license (or proof of address). The call can be made any time as they are open 24 hours (whoever it might take a few mins to connect).
3. Create a bitcoin wallet in your account. You must do this step. Only takes a few mins (you just need paper and pen to write down some words).
4. When you have your new account set up. You will need to transfer €35 into it by a SEPA transfer. This can be done using; TransferWise, WorldRemit, Startling, Monese, Revolut, or any other account with a Euro account.
5. Once you have received the €35 you then need to purchase at least €30's worth of Bitcoin. Once you have done this you will receive an email to confirm your purchase and your balance will be updated within10 min in the app.
6. The free bonus €15 will then be credited to your account within 15 business days.
7. You can then withdraw the bonus or leave it in Bitwala.

A note on fees. Bitwala will charge you a 1€ trade fee for purchasing the €30 of Bitcoin, they will also charge you the network fee of about €1, you will also need to pay the network fee again when you send your Bitcoin to a different address. So profit all together will be about €12.00. You can maximize this buy buying / sending / moving your Bitcoin only on the weekends when the network fees go down to about €0.20.
Bitwala also do not payout if you tell them you got the link on Reddit. Therefore make sure you sign up using My Referral link on you phone.
Let me know if you have any questions.

Here is a list of all the best current sign up offers for February 2021
Many thanks if you use any of my links 🙏 Hope you get some good Beer Money from it and remember to share your links .
Hope the below is useful for people to see what are some of the best paying / easy to do referral programmes.
Any questions just let me know. I am happy to help 😊
​

Company / link to Reddit post	Referral Link / Non - Referral Link	Sign Up Bonus	Required Min Purchase / Transfer Amount
Swissborg	Referral link / Non referral	€1-100 (Average ~€10)	€50
WorldRemit	Referral link / Non referral	£20	£100
Zelf	Referral link / Non referral	€5	€0
Gemini	Referral link / Non referral	£8	£80
Curve	Referral link / Non referral	£5	£0
TFG Crowd	Referral link / Non referral	€50	€500
Currency Fair	N/A	€50	€2,000
TransferWise	Referral link / Non referral	£75 for 3 referrals	£200
Xendpay	Referral link / Non referral	€10	€100
Bitwala	Referral link / Non referral	€15	€30
Tickr	Referral link / Non referral	£80	£5
Vybe	Referral link / Non referral	£2	£0
Bitpanda	Referral link / Non referral	€10 + €5 for quiz	€25
Coinfield	Referral link / Non referral	£13	£100 (need to buy SOLO)
Celsius	Referral link / Non referral	$60	$200
Mode	Referral link / Non referral	£10	£100
Skrill	Referral link / Non referral	£10	£100
ViaInvest	Referral link / Non referral	€15	€50
Instarem	Referral link / Non referral	£12.20	£500
Luno	Referral link / Non referral	£10	£100
October	Referral link / Non referral	€20	€500
Kriptomat	Referral link / Non referral	€10	€100
Oval	Referral link / Non referral Referral code: KPN6NPYYU	£5	£6
Costa Coffee	Referral link / Non referral Referral code: X8LOZ	£3	£2-3
Verse	Referral link / Non referral	£5	£4
Wirex	Referral link / Non referral	$10	£80
InstaCoin	Referral link / Non referral	£5	£50
BlockFi	Referral link / Non referral	$10	$100
Twino	Referral link / Non referral	£15	£100
Azimo	Referral link / Non referral	£10	£90
Cash App	Referral link / Non referral	£5	£50
Passfolio	Referral link / Non referral	$1-100	$25
Quidco	Referral link / Non referral	£5	£5 in cashback
Crypto Exchange	Referral link / Non referral	$50	£250 (5,000 staked in CRO)
TopCashBack	Referral link / Non referral	£5	£5 in cashback
CakeDeFi	Referral link / Non referral	$30	$50
Housers	Referral link / Non referral	€25	€50
BitRefill	Referral link / Non referral	$5	$50
Lenndy	Referral link / Non referral	€10	€100
			TOTAL