4 Apps to Help You Save or Earn Money!

If you’re like me you will do almost anything to save a little money or even make a little money here and there.  Because of that, I’ve put together a list of some of the most popular apps below that I hope you’ll start to use – I mean, we all can use some extra money can’t we?

1. Ibotta – This app is available on iOS and Android phones and shows deals at retailers from grocery to drugstores to travel.  Using this app you just check off the offers you want to redeem and once you do the shopping you’ll earn cash back.

Whenever I go to the store, I’ll sit in the parking lot and go through all of the Ibotta offers and check whatever I know I’m going to buy.  Sometimes if I see something I like I’ll go ahead and check it just in case I do decide to buy it while I’m in there.

While it can be time consuming, it is easy to use and you really can make some money using it.  Sometimes they’ll offer something like $1 back on a gallon of milk (any brand), or ground beef (any brand).  And one of the best things is they offer some super bonus cash that you can collect over time.

2. SavingStar – This app is available on iOS and Android phones and allows you to pick out deals from their site.  For most stores you need to have your loyalty cards linked to SavingStar but you can also take a photo of your receipt and upload it.

You check the coupons you want to use that are attached to your cards and when you’ve saved $5 on your purchases you will earn some cash. They have also added a feature that allows you to get money toward your goal by watching a short video on the site.

Some of the offers they have are you get $3 back after you spend $12, but if you watch the video on the site, you can get an automatic $2 toward that offer.  So, you’ll only need to spend $10 on products you were going to get anyway – you’re actually only spending $7 when all is said and done including the $3 back. Continue reading

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Saving Money in the New Year!

Happy New Year 2014

Another year is upon us and I hope nothing more than for you to have a fantastic financial 2019!  I know there is work to be done on my finances and I’ve already started some planning to see what new things I can do to achieve financial success for the coming year!

Working toward your financial goals for 2019 shouldn’t be hard this year.  You know what you want to accomplish and where you want to be so you can begin right now, today!  If you are having a little trouble getting started then you should consider getting a copy of Creating a Savings Plan.

This book is full of ideas for helping you get started on your savings for this year and helping you to continue those savings throughout the years to come!  I want to see you reach ALL of your financial goals for 2019 and I’m here to help you in any way that I can!

Email me with any questions you have or simply comment below; either way and please know I will personally respond to you.  Your success is important to me and I want this New Year to be the best financial year you have ever had!

Let me know how you are doing!

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Create Your Budget!

You hear so many people say, “I need to get on a budget!” However, it’s not just enough to create a budget; you have to also stick to that budget.  It can be difficult to change the way you spend money, but it doesn’t always have to be.  And once you get that budget done, it is easier to see where your money goes, so it might not be as hard to stick to it as you might think.

Some people just think it’s entirely too hard to sit down and go through all of the number crunching that is needed to get that budget set up. But, I’ve made it extremely easy for you by creating this budget sheet you can download here and all you’ll have to do is fill in a few numbers. The benefits you will receive from creating your budget will certainly pay off more than you might ever realize. Continue reading

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Get Your FREE Credit Report!

Credit Report

I wanted to check in with you today to remind you that it is time to get your FREE credit report for this year.

You are entitled to a FREE copy of your credit report every single year from all three of the largest credit reporting agencies; Equifax, Experian, and TransUnion.  However, you don’t have to contact each of them separately; you can simply go to www.AnnualCreditReport.com (AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law {from their website}) to receive all of them.

Once you have received your credit reports look them over completely.  There might be information on one that isn’t on another, but as long as the information is accurate and all of the accounts on the report are yours, it doesn’t matter.  Some companies report to only one agency while others report to all three.

If there is anything on your credit report that doesn’t belong to you, follow the steps with each reporting agency to have it removed.  It generally takes them about 60 days to do an investigation and if they find the information isn’t true they will remove it.

It is also important to do this because of the high rates of identity theft.  If you notice several credit cards or loans in your name that you weren’t aware of, you could be the victim of identity theft.

The reports are FREE and you ARE entitled to a copy of each one every year so make sure you take advantage of that.  You never know what you might find on there that doesn’t really belong to you.

Now, I’m off to get my free credit reports right now!

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Small Savings WILL Make A Big Difference!

Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we’re paying every month, it’s easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to find out just how much they amount to.

It’s easy to dismiss cutting back on little things. A few dollars a month won’t make a significant difference in the big picture and you won’t be able to retire on those small savings. But a few dollars here and a few dollars there will add up each month. When you cut back in a lot of small ways, you could end up with a lot more money at the end of the month than you used to.

Waste Not, Want Not

One thing we can do that is good for the budget is stop wasting so much. This can apply to many areas in our lives. From eating to home heating, waste equals money going down the drain unnecessarily.

Cooking for the family instead of eating takeout or dining out is a great way to save money. But if you’re throwing food out, the benefit is reduced. So if you have leftovers, don’t let them end up in the trash. Some dishes freeze well, and this makes for easy dinners when you don’t have time to cook. You could also eat dinner leftovers for lunch the following day.

If your home is not well insulated, you’re probably wasting lots of money on home heating and cooling. Insulating will cost some money up front, but it will pay for itself quickly. If you have drafts around windows and doors, weather stripping can help maintain the temperature of your home.

I’ve lived in some drafty and cold apartments and houses through the years and one thing that really helped was putting plastic on my windows.  It kept out a lot of cold air and kept in a lot of the heat.  It was a win-win for me and my purse each month.

Most households waste an unbelievable amount of electricity. This can be prevented in part by using energy efficient appliances and light bulbs. Turn lights, televisions, computers and other devices off when you’re not using them, and open blinds to take advantage of the sun’s light during the day so you don’t even have to turn your lights on until later in the day. Continue reading

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