Personal Finance & The Apps I’m Using to Save Money

I posted on Instagram stories a few weeks ago that for the past two months I have been trying to get really serious about my personal finance and therefore have been seeking out any and all information I can. I had some people reach out and ask what resources I’ve been learning from, so I thought I would take the time to put everything in one place.

My priority right now is savings, not necessarily retirement or hardcore investing (read: stocks). I’m contributing to my 401k with an employer match, but as of right now that’s it. Saving with a goal in mind is huge. Whether it is a vacation, an emergency fund, a wedding, or airpods, saving with something in mind is a lot easier.

After listening to many many podcasts on personal finance, you begin to hear the same things over and over. To me this means the advice is good, right?

I think the first step for everyone is to understand where your money is going. Honestly, I’ve become obsessive with this as I check my bank account and budget every night. I’ve been using Mint to track my spending, and I love it. It puts you in check real fast when you get a notification saying you only have $4 left to spend at fast food (McDonalds) and its only the second week of the month (face palm). One thing I learned from a podcast is that there is only so much money you can save by cutting down expenses before you realize you need more income. This fact led me to getting a tutoring and babysitting side job, which allows me to earn money that I put directly to my saving goals.

After you get your budget under control think about how you can make saving automatic so that that money is never missed. Look at how much money is left over after all your necessities, then find a number that you could direct deposit into your savings account each paycheck.

The $$ Podcasts

The Apps I’m Using

In this season I’m also using anything I can find to make a few more bucks. If you want to sign-up using the following links, we both get a little bonus.

Qapital: A savings app that allows you to set “rules” to make savings easy and painless. I have it set to round up all my purchases so if I spend 4.25 on coffee, 75 cents goes into my Qapital account. Starting the first week in January, I’ll also be doing the 52 week plan that deposits 1 dollar the first week of the year, 2 dollars the second week, and so on and so forth.

Referral Code:

Dosh: An app that gives you cash back on your purchases with your credit/debit cards. After linking your card it automatically notifies you of the percentage back you have earned. It works for restaurants, clothing stores, and more!

Referral Code:

YouGov: Take surveys to get “points” and after you get to at least 25k points you can start getting Amazon gift cards for FREE. I’ve had it for less than a week and I have 5k points so far, so it’s not impossible!

Referral Code: 

Swagbucks: This is the same idea of YouGov, yet I think the interface isn’t very good. It is harder to get points, but you only need 1k points to be able to get the gift card with the lowest amount of money. Other people say they have had success, so I’m going to stick it out and see. 

Referral Code: 

Ibotta: This app allows you to scan your receipts from the grocery store to earn cash…jk like cents, but it adds up ya know? You can get more cash back if you by certain items.

Referral Code: 

Ebates: This is probably the easiest way to earn cash back. I suggest you download the plug-in so that you won’t forget to use it . When you’re ready to buy something online you’ll click through Ebates to earn a percentage of that purchase back.

Referral Code: 

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  • Reply Erin

    GetUpSide ( works for $.10-.25/gallon of gas on the east coast!

    January 12, 2019 at 9:33 pm
  • Reply Farrah

    Thanks for all of these! I’m definitely going to have to look into them! *-*

    January 14, 2019 at 10:18 am
  • Reply Charlotte

    Love this post! Now that I’m buying my own groceries, paying my own bills, etc. I’m realizing the need to cut down on expenses and save more money, so I’ll definitely have to try some of these out. From this list I do currently use Swagbucks, but I’ve heard a lot about ebates so I’m wanting to try them out as well!

    Charlotte |

    January 14, 2019 at 6:47 pm
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