I ended up referring four people to the Capital One 360 Savings and Checking accounts. One of them was my husband. The $20 per referral showed up immediately, but stated it would not be available for withdrawal until January 1. I looked at the account again today, and they are all available now. That is an extra $80 in snowflakes that I will send to the mortgage next week!
I will also earn another $60 by the end of the month, because I made at least two referrals. A total of $100 for the first two referrals. That money is not yet showing up, but it will!
Found out from Hip2Save that Bath and Body Works is having a sale TODAY only at their stores. Buy 3, get 3 free on nearly everything in the store. There is also a coupon that you can combine if your total is over $10, for an additional free item. So almost like buy two and getting four free in my mind. The link to the offer I read is

Have a super weekend!!
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