Saving Money

Money Saving: It’s Easier Than You Might Think


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If you try to save money, it seems like something always happens like the car breaks down, the dog has a medical emergency, you have to make home repairs. Unexpected expenses have a way of greedily eating money we manage to save. There are ways to save money that you may not have considered.

First, open a bank account and have a small portion your paycheck direct deposited into it each week. Use a bank that you do not have easy access to withdrawing the funds. Granted you will still know that money is there, but you won’t be tempted to spend it on a nonessential purchase.
Second, use a website like mypoints, memolink, or swagbucks to gain points for searches, watching videos, shopping and surveys. The key here is that when you have earned enough points to get a gift card, choose a store which sells food, or other items you need. Then take the same amount of money and put it away. Use the gift card to maintain your usual shopping habits. Keep the money you saved in a safe place or account. Over time you will have a bunch of money saved and it is money you never had to part with in the first place.

Third, look for sales and use coupons. But again, figure out how much money you actually saved, and put it with the other money gained from earning gift cards online. Do not leave loose change or money in your pockets and wallet. If it is too easy to access, you will spend it without thinking. Put it in a safe place and only take what you actually need.

You will be able to put some money aside using this advice. Once you have thousands of dollars saved, visit your local bank and find out about Certificates of Deposit (CD) and other savings options. CD’s are great because you can’t touch your savings for a certain period of time without penalty, so you will hold on to your money. Good luck.

Reward Yourself With These 3 Unique Shopping Apps!

Reward Yourself With These 3 Unique Shopping Apps!.png

Did you know that you no longer have to rely just on the rewards programs linked to grocery store loyalty cards and points accrued through using a store-specific credit card? There’s a handful of ways that thrifty shoppers can save money and earn cash back just by continuing to buy the same things they do anytime they hit the store. The biggest problem with these rewards programs is that many people don’t know that they exist, and if they do, where to find them so they can benefit from using them.

Here are three great rewards programs that you can start using to save money and earn cash back today!

1. Ibotta

Ibotta (use my referral link)is a super cool app that you can download to your mobile device for cash back rewards on almost anything. Once you sign up and set your location, the app will search all the stores within a pre-determined radius for all cash back opportunities. You then search for items by keyword or store and begin unlocking your deals. When you’re done shopping, you go back to the app to verify your deals by scanning the barcodes of your purchases and uploading a photo of your receipt. The cash you receive appears in your account within 24 hours, and once you hit $20 in cash back, you can request payment via PayPal. The rewards add up quickly, especially if you’re shopping for a family.

2. Checkout 51

Checkout 51 is another awesome cash back app that you can download to your mobile device. The idea is much the same as Ibotta in that you browse the cash back offers, save the ones you plan to use, buy those products from any store, then upload a photo of your receipt to redeem the cash back. After your account reaches $20 in savings, you can request payment.

3. Shopkick

Shopkick is a little different, but just as nifty in that you earn points (they call them “kicks”) just for walking through the doors of a store. Items featured in the app can be scanned to earn even more kicks. Make purchases with a card that you link with the app to earn yet even more kicks, and see just how quickly it racks up! It’s ridiculously easy to collect kicks, and you can redeem them for gift cards for just about all your favorite stores.

One of the greatest things about these apps is that they don’t cancel each other out. You can use each one simultaneously to earn all sorts of cash back, and they can be used on top of any coupons you choose to clip, as well as in-store sales. So, why not use ’em all? Reward yourself instead of kicking yourself next time you go shopping by giving these sweet apps a shot. You’ve got nothing to lose but great savings!

The Frugal Folks Guide to Eating Out


This post does contain affiliate links

The most efficient way to save a few bucks is by eating in. However, this can become dull fairly quickly. If you need to keep it frugal, you may feel like cooking at home is your only option. However, this isn’t entirely true. Here are some things you can do to cut down on the cost of eating out.

Skip the Drinks

Soda at a restaurant can run you as much as $2.50 a cup. By skipping the soda you can save that $2.50 per person and get all the health benefits of drinking water. If you must have a sweet drink, try keeping your fridge stocked at home or share a soda with a friend and split the cost.

Discount Gift Cards

Websites like Raise can help you save a dollar or two by selling you discounted gift cards to some of your favorite restaurants. These gift cards are sometimes sold for as much as 25% off. If you buy those Raise gift cards through TopCashback you can save even more through cash back.

Groupon and Living Social

By using crowd-sharing sites such as Groupon and Living Social you can discover some great local food spots and save a bundle. Save even more by waiting around for discount codes (sometimes as much as 25% off) and purchasing discounted gift cards for Groupon via Raise.

Restaurant.com

Restaurant.com is another great way to save some money on local eateries. Just make sure you read the fine print before buying anything. You can save a bit more by purchasing discounted gift cards for Restaurant.com via Raise.

Survey Sites

By using survey sites and apps such as Swagbucks and Survey Mini, you can rack up points which can be exchanged for free gift cards to your favorite chain restaurants. Saving up points can take a while, but this is a great way to get some free grub.

By using the tips listed above in addition to deals and rewards programs offered by individual restaurants, you should be able to eat out for a fraction of the usual cost. This means more cash in your pocket and more food in your belly.

How to Change Spending Habits into Saving Habits


Saving money and living a more frugal life isn’t so much about how well you can budget, it is about changing your habits. You can set up the most solid budget in the world and still find that your bank account is leaking money due to your everyday spending habits. By changing these spending habits, little by little each day, even the most compulsive shopper can find that living frugally becomes second nature.

Analyze Your Life

One of the best ways to start a frugal life is to start adding up all those small expenses. If you stop at Starbucks maybe once or twice a week, that’s about $15-$20 dollars. A daily trip to the vending machine could be another $10 a week. This may sound like chump change on a week-by-week basis, but it adds up on a monthly or even yearly scale. Sometimes all it takes is to do the math to discover that you really do have a spending habit.

Tackle One Habit at a Time

Say it’s the beginning of the month after hammering out your new frugal life. You’re all gung-ho and want to start saving money by bringing your own work lunches, making your own coffee, avoiding the vending machine that accepts credit cards, and no longer taking hour-long showers. There is no possible way that you won’t save money with all that, right? Well, that’s true, right up until you get burned out from trying to drastically quit everything you love.

Some things just make you happy, but by taking everything that you are used to out of your life at the same time, you will break quickly. Focus on one bad spending habit at a time, and you will find the adjustment period is much more bearable.

Replace Triggers With Positive Habits

After a bad day at work, your first impulse may be to go do a little shopping to cheer yourself up. Work can be a serious trigger for many people to go out and try to buy their way into feeling better. However, instead of spending some serious cash, instead try to find a positive action that could replace all those spending triggers. Perhaps spend some time on a hobby, exercise, or go meet up with a friend. The positive action doesn’t need completely free at first either, so long as you are spending less than you otherwise would out shopping.