Savings Highway Global Review – Does This Affiliate Program Work?

I’ve been invited to join Savings Highway Global recently and decided to look into it closely before putting my foot in. Because what I’ve been promised by my referrer is quite different from what’s being said on the website. Am I saving money, or making money? 

Would you pay $20 per month if you were told that you’d save money on your bills? Well, what kind of bills and how much savings are they talking about? Exactly. How about vacations? If you were told there’d be some cheaper deals, would you pay $20 per month? Depend on the destination and length, wouldn’t it?

The inflation rate is rising again, and sure, it is in our best interests to review all household expenditures. But there’s something else that Savings Highway Global encourages you to do - to make money through multi-level marketing. That’s what the majority of regular members are focusing on. So today, my Savings Highway Global review mainly looks at the affiliate program to see if it helps you make decent, sustainable passive income. 

What is Savings Highway Global?

SavingsHighway Global (SHG) is a members-only money-saving incentive scheme. It’s partnered with a variety of retailers and provides discount offers to members.

There are two membership types; Gold (you pay $20 per month) and Platinum ($100 per month). It means as a basic (Gold) member, you pay $240 to SHG a year in exchange for receiving bargain opportunities on a wide range of products/services such as household items, automobile, insurance, clothing, electronics, vacations, entertainment, health memberships, etc. 

Whereas with Platinum membership, you’ll receive extra advice on lowering your bills and tax savings as well as discounts. Platinum membership is more beneficial if you’re willing to refer others to Savings Highway Global for affiliate commission, as you also get marketing training opportunities.  

In fact, the main business activity appears to be to offer members multi-level referral commissions to grow the scheme, while SHG does not have its own product to sell.

Who Is The Creator?

SavingsHighway Global was created back in 2006 by Steve Gresham who is well-known as a mentor, coach, speaker, and motivational speaker. Steve has over 30 years of marketing experience. 

He believes that partnering with good people who have a desire to achieve a common goal is the key to creating success. Also, Steve is a man with multiple talents in other areas; he is the Vice President of USKKA (United States Kenpo Karate Association), he teaches Indonesian Pentjak Silat and other martial arts, and he’s also a musician. 

So his ability to network with different types of people is evident. Multi-level marketing requires you to involve a lot of people to generate big revenues, therefore it only makes sense he has chosen this business model to create the level of success he has now.

Is Savings Highway Global a Scam?

No, Savings Highway Global is a well-established, legitimate program that offers a variety of savings opportunities, plus an opportunity to earn by referring others. If it was a scam, it would have disappeared within a year and kept re-emerging using different business names. Like every other make-money-online program, your success is never guaranteed, and SHG also emphasizes this. 

Savings Highway Global Affiliate Plan

SHG offers several ways to make money as an affiliate. It claims to offer “one of the most generous compensation plans”. I feel, however, that the plan is based on the most optimistic scenario, and you’re unlikely to achieve unless you are a network marketing expert. The plan is also very complex and I find it hard to understand the logic behind some of the rules. 10 ways to make money are introduced with Savings Highway Global. So here’s the summary.

The Multi-Level Compensation Scheme

The more referrals you make, the more commission levels you'll qualify for;

• Refer 2 people and you’ll be a “Consultant”, qualified to earn up to 10 levels.
• Refer 3 people and you’ll rank up to a “Manager”, earn up to 10 levels plus “Infinity Code” bonus (#2 below.)
• Refer 5 people and you’ll rank up to a “Director”, qualified to earn up to 11 levels.
• Refer 10 people and you’ll rank up to an “Executive”, qualified to earn up to 12 levels.

#1 “Fast Start” Bonuses

You’ll receive a 50% bonus on every personal referral. Refer a Platinum member ($100) and you'll earn $50, refer a Gold member ($20) and you’ll earn $10.

#2 “Infinity Code” Bonuses

When you’ve referred 3 people and all 3 of them are active members, you’ll be eligible for “infinity codes”, i.e. a multi-level of commissions. Every time any of your referrals (except for your 1st and 2nd referrals) refers someone else, you’ll also receive a 50% “Fast Start” bonus.

#3 Monthly Recurring Bonuses

Savings Highway Global is a monthly membership. When you refer a new member, you’ll receive a 50% commission (as per #1 above), from the 2nd month onwards, you’ll receive 20%. $20 on your Platinum referral and $4 on your Gold referral.

#4 Extra Matrix Commission

You’ll receive an extra 5% commission on all your recurring membership sales within your matrix. I’m really not sure why this is separated from #3 above… 

Basically, you’ll receive a 20% commission (#3) and 5% commission (#4) = 25% on all your downlines’ recurring membership fees, as I understand.

#5 Unlimited 10% “Matching” Bonuses

You’ll be paid 10% of the referral sales made by each and every downline.

#6 Lowering Your Bills Income

If you refer a member who lives in North America, you can also persuade them to join the “Pay Less for Your Bills” program to help them save their bills, and you’ll receive 10% of whatever they saved.

#7 Monthly Healthcare Income

Earn affiliate commissions by referring an Essential Primary Care (third-party) product to others.

#8 Contests and Promotions

Savings Highway Global runs contests from time to time to provide members with extra rewards.

#9 Hotel Weekend Giveaways

Platinum members are given affiliate access to sell 3-day hotel getaways to earn commissions. 

#10 “Corporate” Profit Share

If Savings Highway Global hits 10,000 Platinum members, it promises to “share 5% of profits with top leaders.” The intention is not clear to me - I think it’s just a future plan because a profit share as a shareholders’ scheme and a revenue share are two different things. The former option (incorporate and distribute dividends) would take a lot of registration process and could be less tax efficient for the company. So perhaps it just means that the top leaders (affiliates) may receive a share of revenue as an extra commission if SHG grows in the future.

Can You Actually Save Money with SavingsHighway Global?

So there are two elements of financial gain opportunities; saving money on purchases and making money by referring others. Firstly, saving money. From a consumer’s point of view, one of the pitfalls of multiple discount voucher schemes is that you can easily be tempted to buy things that you don’t need just because they’re sold at a lower price than normal. Then it defeats the purpose of saving money. 

With Savings Highway Global, you’ll be paying $20 per month, so you need to monitor your spending and make sure you’re truly getting a benefit from the membership. 

The other challenging thing is, switching your service providers can be an exhausting experience. An energy bill, or an internet provider, for example. You need to make sure that the company that offers a discount is for a long term, not just for the first 3-6 months. Then you need to cancel your account with the current provider, then to set up an account with the new provider…

Can You (Realistically) Make Money with SavingsHighway Global?

In my opinion, MLM is a “myth” for most beginners. Because the business model only works for you if you are capable of creating and managing a team of like-minded entrepreneurs. 

You can imagine how hard it can be to create a 3-tiered commission structure;

• Your direct referral - you don’t just encourage anybody to join in. That person should be willing to make commissions for themselves. It should be someone who’s capable of recruiting others, so that you can earn the 2nd tier commission.
• Your 2nd downline (your referral’s referral) must be someone with the same mindset, who is able to bring others in, so that you can earn the 3rd tier commission…

So when they talk about the 10-tier, 15-tier commission matrix, each and every downline refers 3 people to make an infinite income stream…it’s all theoretical. It’s almost impossible to create such a long string of downlines in real life.

That’s my view of multi-level marketing, but of course, you can simply make money by referring as many people to Savings Highway Global for direct referral commissions.  

Payment Terms

Firstly, your membership fee payments; Your new membership is covered by its 7-day cooling-off period policy. So if you join and change your mind, you can contact support to ask for a full refund. After the first 7 days, no refund will be made. Your membership will automatically renew every month but it's not contractual. You can cancel your membership at any time in your members' area. You can also downgrade your membership at any time (from Platinum to Gold) by contacting support.

Whereas your affiliate income will be paid weekly. Any current commission due to you will be paid on the following Tuesday. The payment options are limited - to your Visa debit card account or by Bitcoin only.