To curb high inflation from significant money printing during the coronavirus pandemic, the Federal Reserve, America’s central banking system, began raising interest rates in March 2022.
By July 2023, the Fed raised interest rates for the 11th time in 17 months—taking rates to their highest level in 22 years.
For “maximum employment and price stability,” the stringent policy of the Fed derived from its public mandate of keeping inflation at 2%.
Raising rates makes buying a car, home, or business more expensive. With credit card delinquencies also rising, the Wall Street Journal reported in October that “Americans Are Still Spending Like There’s No Tomorrow.”
Are you strapped for cash?
Here are a few things you can buy online for $10 bucks.
Roblox Digital Gift Code for 800 Robux
You can use the search bar to find $10 items on Amazon. The results show best sellers and the most popular brands—including a $10 Roblox digital gift card worth 800 Robux.
After buying the card, you can spend Robux on objects to enhance your avatar. You’ll also receive a virtual item.
A Skeleton Rider comes with a $10 purchase of a Digital Robux Code.
Amazon.com Gift Card in a Mini Envelope
An Amazon.com Gift Card in a Mini Envelope is another best-seller among $10 items. Like the Roblox gift code, Amazon Gift Cards come in various denominations, starting at $10.
The Amazon Gift Card also comes in a variety of mini envelope designs, including:
- Black and Silver
- Diwali (Pattern Lamp, Purple Mandala)
- Happy Birthday
- Kraft and Orange
- Navy and Gold
- Patriotic Water Color
- Pride Flag
- Red and Gold
- Thank You
There are no fees or expiration dates associated with the Gift Card. The cards are redeemable for millions of items on Amazon.com.
SABRE Pepper Spray, Quick Release Keychain
In the ‘Self Defense Pepper Spray’ category, a SABRE Pepper Spray keychain ranks as a #1 Best Seller for $10 items on Amazon. The item scores 4.7 out of 5 stars from over 100,000 ratings.
The SABRE Pepper Spray keychain sold over 2,000 units in the previous month.
For $9.98, the product’s dimensions are 1 x 3.5 x 1 inches, weighing 2.4 ounces. The pepper spray has a range of ten feet.
The SABRE series is a #1 Pepper Spray brand among police and consumers, including police in Chicago, New York, and federal Marshals.
SABRE Pepper Spray keychains under $10 include the following colors:
- Dusk Purple
- Light Gray
$10 Deposit at an Online Casino
Online casinos have become popular with easy access to smartphones and the internet. Regulation in the U.K. in 2005 influenced the legalization of online gambling in the U.S.
Gambling sites regulated offshore began to thrive, too, especially during the poker boom between 2003 and 2006.
Today, there are various $10 deposit casinos where online players can get started for $10 or less.
With heavy competition, online casinos offer welcome bonuses to attract new players. Players may get anywhere from 100% to 280% on top of their first deposit in the form of a casino bonus.
Bonuses come with wagering requirements—meaning you’ll need to bet a specific amount before “unlocking” your bonus as withdrawable cash. For $10, that shouldn’t be too hard.
Look for demo play options or check out tutorials at online casinos before making a deposit.
LETMY Tactical Flashlight
For $10 items, a Tactical Flashlight from LETMY is Amazon’s Choice as an Overall Pick. The flashlights come as a two-pack for $9.99. With a 4.5 rating, the item ranks #30 in Handheld Flashlights.
Powered by AA batteries, the mini flashlights come equipped with belt clips. Other features include Intelligent 3 Modes (Low / High / Strobe) and a Super Bright LED torch that produces a beam of light up to 600 feet.
These portable waterproof flashlights work best for power outages, camping, and hiking.
RAYONEER Rechargeable USB Lighter
Another option from Amazon’s Choice is the RAYONEER Rechargeable USB Lighter. It scores an average of 4.4 stars from nearly 9,000 ratings, and the product sold over 10,000 units in the last month.
With a retractable head and a zinc alloy cover, the lighter uses plasma technology to generate power. A Safety Lock slides over the Ignition button to protect yourself when it’s in your pocket.
- Overheating protection
- Overload protection
- Short-circuit protection
- Certified safety battery
- Smart chip
- 7 seconds auto power off
There’s no flame, and there’s no gas or liquid required as the lighter uses a TYPE-C USB cable. The electric pulse is wind and splashproof for use in bad weather.
The RAYONEER USB Lighter is about seven and a half inches long and approximately half an inch wide. At a 56% discount, the lighter is $6.99 and comes in the color of rose gold.
It’s an excellent choice for using a lighter without any harmful butane.
Budgeting for Online Purchases
Amazon is a popular choice for buying things online. The e-commerce platform has over 300 million active users worldwide, estimated at 80% from the U.S.
To budget for online purchases, try using Amazon’s search bar to find things that are $10 or less. You can utilize Amazon’s algorithms to your advantage regarding top picks and best sellers.
Gamers may also find affordable options on Apple’s App Store or Google Play. Many apps come free with in-app ads.
If you enjoy sports betting or online casinos, you can find platforms that allow minimum deposits of $10 or less.
How do you budget for online purchases?