Some Legit Habits of Spartan People That Count

Spartan or Frugal people are one of the happiest people because they are living their life very economically. As the world is inching towards poverty Spartan or frugal people are those who are living a happy life. Today I am writing some of the habits of Spartan people that can be beneficial to you in a way. These people have a different perspective of money and they spend in a way that is much different from a regular person spending. These people adopted these habits after they have faced tough times or some of them are inherited by it. If you are ready to adopt these habits you can achieve your financial goals faster than you ever thought.

1- Sacrificing Quality

There is a big difference between being Spartan or Frugal and being cheap. People usually mix them. When it comes to quality, cheap people sacrifice it every time but for Spartan people they only do it when it make sense.

This can be taken in a way that Spartan people will not sacrifice for quality when they are going to buy the things that have a long term usage because if you buy cheap items that you would have to use for a longer period of time then you will end up by spending more money.

While you can sacrifice for quality if you have to use the item on short term basis and if they quality is not needed. For example there is no need of buying expensive stationary for your kid as the cheap one will also serve the same purpose.

It could take time to learn that on which thing you can make a sacrifice of quality but if you do so you can save a lot of money in a month.

2- Say “No” To Themselves

One of the best habit that Spartan people have is that they usually tell themselves “no”. They simple are disciplined enough to tell themselves to buy the things and services they need or the one’s they do not need. Now a days, people are driven away by their desires and they cannot say no to themselves and mostly they end up by disturbing their budget. In the past you would have to work for spending your money as you would have to travel to the restaurant or mall to eat and buy the thing you desire for. But for now with the convenience of online shopping and home deliveries you do not have to do any work in order to spend your money it has become much easier to fall for your desires and just by your mobile you can easily end up disturbing your budget.

 

Here the frugal people don’t fall for their desires they give themselves the time and think about the purchase they are going to make as it they really need it or not. Before making a purchase they think about it that will the purchase makes a difference to their lives? Will they improve their life with that? What value it is worth? By asking these type of questions and thinking of it they help themselves to say ‘no’ to un-necessary items most of time.

Telling yourself ‘no’ is not an easy task if you are not used to it but you can make this a habit by thinking and visualizing of the changes that it will make in your life. For example you could be lured to get a new car and you are going crazy for it as one of your friends also have that new car but when you will think about the changes that you will make like you would have to pay a $500 monthly to afford that car. If you would think about that you will be able to say ‘no’ to yourself.

3- Cost Conscious

Spartan people are very cost conscious. By cost conscious I do not mean that they buy cheap things or they do not buy the important things they require by that I meant that Spartan people think a lot before buying something. They know the price of the product they usually buy and never buy a thing on more than of its usual price. These people always look for sales and whenever they find a good deal they buy it. It does not affect them that they are buying a used items if it is making a good deal.

For example If a Spartan person is going for a grocery shopping he would definitely look for sale or find the store with lowest prices along with that he will use coupons to maximize his savings. To save more he will go for generic than the brand. These little things could help to save a good amount in the grocery budget.

These people think a lot before they buy an item. They ask themselves that whether they need that item or not or for how long they need that and is it necessary to buy the item than to rent it or to take it from a friend. Asking these questions can help you to save a good amount of cash. These people spend smarter to make maximum savings.

For example if they are on a vacation they would try to use AirBnb instead of a traditional hotel and save a big amount of dollars. They would not go to a cinema for a movie and instead of that they would watch the movie at home with their friends.

4- Save Consistently

One of the best habit of Spartan people is that they are consistent about money saving. They take savings as serious as they would take a bill to be paid and they set up automatic transfers in to savings account every month. Spartan people have an ideology of paying themselves first. This means when they set up a budget they first decide the savings and puts money in the savings account on priority.

These people set up high yield savings accounts and put money every month while every other person spends first. They put money in the account and forget it that means they follow the ideology of set it and forget it. This help them to reach their financial goal prior to the time they have decided for themselves.

5- Value of their Money

Little things when add up makes up a big item this goes same for the money as when a lot of pennies add up they become dollars. One of the thing that Spartan people do is that they value their money to a single a penny. You would be amazed to know the amount that you spent while just saying that it is just 50 cents or its 2 dollars only. Things like that could end up in disaster and you could end up by taking loans and destroying your budget.

It makes a huge difference when you values your pennies as you value your dollars. This helps you to save more money and you do not end up in a debt. You could save your pennies by placing a jar in your house and after some time you would see that the little pennies that you seem worthless are joined up to become a good amount that you can use.

You can also take this habit and start putting some pennies and dollars on daily and weekly basis in your investment and debt accounts. It won’t make a difference in a single attempt but you would do it for a month or so then you would be able to see the change that it makes.

6- They Repair Before They Buy New

One of the thing that Spartan people do is that they do not rush to buy new things if the old one got damaged. They work to repair the things and help the things to last for a long time so they would have more time to buy a new thing and they would not have to buy the things in a hurry.

Many a times the things get faulty and we need to repair them or get a new one. What a normal person would do is that he will rush out for a repairmen or will either buy a new one. Spartan people are not like that they do not rush to buy new things and they tend to repair the item by themselves by this they save a big amount of money. Sometimes the outer surface of the product get damaged and it has nothing to do with the working of the product. Many people just tend to buy new items for the sake of appearance but for Spartan people appearance does not matter.

7- Frugal Fun

You does not need a big amount of money to have fun. Spartan people have ways to have fun that does not need money or a little amount of money. Instead of going to the cinema or a restaurant they would spend a day at the beach or would go for hiking or a walk.

Spartan people usually go for these activities and save a lot of money in their entertainment budget.

 

These are some of the habits of Spartan people that really count and help them live within their budget. Make sure you adopt these habits so that you could also save money. Do comment in the comment section below and also share your experience of savings money. Have a good day!

The Famous Dave Ramsey’s 7 Baby Steps

Dave Ramsey is a famous businessman and a financial writer. He has written many books but he is famous for his 7 baby steps that help people to get rid of debt, to become financially stable and to build wealth for them and their family. So today we will discuss about Dave Ramsey’s 7 baby steps so that you could get off your debt and could build the empire you want. By following these 7 steps many people around the world have paid off their debt and now are able to live a life where they don’t have to worry about money.

Before starting these 7 baby steps you should make your mind clear by asking yourself a question that why you want to do this? Everyone has its own reason for following these steps so when you want to take a start the first thing you must be doing is that you should be asking yourself this question and then you will be able to follow and complete these steps with a motivation.

One thing you must keep in mind is that you won’t be able to complete this steps in nights. According to Dave it will take at least 7 years to complete these baby steps and this will test your determination many times. In these 7 years, there will be a lot of difficult times when you will think to put these steps aside. But these are the times when your why’s will help you. In these times you should remind yourself that why you were doing this and this will motivate you and help you to get back on the track with full enthusiasm.

Now let’s start these 7 baby steps one by one.

1-Emergency Fund of $1000.

So the first baby step is to save $1000 as an emergency fund. I am sure you will be amazed that the first step is not about paying debt. Having an emergency fund has its own reasons that could help you in many ways. Instead of increasing the amount you are paying for debt, you will be saving for an emergency fund and for this Dave has a reason that is that many a times you get in to situation where you need cash in big amount. It could be a car repair or home maintenance that is necessary to be done. So in that case when you will need a big amount of cash and then the only way to pay the cash will be taking more debt. But if you have this emergency fund then you will not have to take debt and you will be able to pay off the cash from your emergency fund. Dave thinks that when you are paying for debt these type of unexpected expenses come more often. So whenever a situation like that arises you should pay the cash from your emergency fund and then again save till it reaches a 1000 dollars. This could help you to develop a habit of saving and will train you to counter these unexpected expenses.

When your emergency fund is completed you can increase the amount you are paying for debt and by this little step your credit card balance will go down eventually. Another important thing that you can do is to open a savings account and save your $1000 in that so that you could also earn some extra money on that by the time you are paying off the debt.

2- The Debt Snowball

The Debt Snowball is considered one of the famous and easiest method to pay off the debt. This method is very interesting and will keep you motivated towards paying your debts off quickly. Paying the debts according to the highest payments could help you save money but this Debt snowball method will help you to be motivated and paying the debts quickly and easily. By this method you will get some wins in the start and it would make the journey much easier for you.

First you will have to make a list of all the consumer debts that you have to pay from the smallest one to the biggest one in an ascending order. Now you will have to pay the minimum amount that you could pay for all the debts expect the smallest one and for the smallest one the thing you should do is to put up some extra cash in that payment and increase the amount that you were paying for that. This will help you to pay off the smallest debt quickly. Now after you have paid the smallest debt fully, you should move to the next smallest debt and for that you should pay the maximum amount and also add the amount that you were paying on the previous one too. By this you will be able to pay this debt quickly too. For the other debts you should pay the lowest amount. By following the same strategy for the other debts one by one and adding all the amounts you were paying for the previous debts you will be able to pay that debt quickly.

So as you saw it is easier to pay the smaller debts quickly and these quick wins can keep you motivated towards your goal and when you will mark fully paid on the list it will help you strengthen your faith that you could pay the others quickly too.

3- Increase The Amount of Emergency Fund.

Now as you have finished with your debts other than the mortgage, you should not fall in to the lure of buying new things and waste your money on that. For that Dave tells you to increase your emergency fund and put the money you were spending on paying the debts in to your emergency fund. In the step 3, your fund must contain that much amount that you can use up to 3 to 6 months for your household expense. This fund will act as a protection for you and your family because if you get in to a bad situation like losing a job or a damaged house. If you get in to situations like that this fund will help you to not get in debt again and pay off these expense by cash from your emergency fund. This routine will help you to learn the art of saving money and you will be able to save more by the time.

4- Retirement Saving

The 4th baby step of Dave is to maximize your retirement saving by putting your 15% income to retirement savings account. Now as you are finished with the first three steps and you don’t have any debt now and you also have an emergency fund for 3 to 6 months. Now it is the time for you to invest for your golden years. Dave asks you to invest 15% of your income to the retirement savings account and you can do that easily as you do not have to pay any debt now. This could help you to retire early and make your future life more comfortable.

5- Building your Kid’s College Fund

The 5th important baby step that Dave suggest to you is that you should build a fund for your kid’s college. For many parents it is an important thing to send their kids to college and universities for higher studies and if it is also important to you then you should also save money for that too as it is not easy to pay a big amount for your kid’s college. One thing that Dave has cleared that the college has nothing to do with the success of your kid. So it is important to know the benefit for you kid while you are paying a big amount. By this you will be able to afford your kid’s education easily.

Other than that you could also consider some alternatives for your kid’s college and it will help you to save a big amount. Your kid could be happy to do a trade over a desk job so you should also consider a trade school for your kid as they are much cheaper and your kid can also get high paid jobs. You could also help them look for scholarship as you can get many. Other than that community colleges can also help to take many courses and they are much cheaper than the universities.

6- Pay the Mortgage

The 6th baby step of Dave Ramsey is to pay the home mortgage completely after you have paid the consumer debt. After having an emergency fund, being consumer debt free and also saving for your retirement and kid’s college. The next thing you should be doing is to get rid of the last debt that you have to pay is and that is the mortgage. The amount you were spending to build an emergency fund and paying for the consumer debt should be used to pay the mortgage quickly. To make if faster you should all the unexpected and unusual incomes like bonus or tax refunds in to mortgage payments. After paying the last debt now you are free and able to move in to the last step.

7- Building your Wealth

Now as you are free man and you don’t owe a penny to anyone now it is the time for you to build your wealth. You can build your wealth by investing the money in real estate or stocks or in to mutual funds. You can also put your money in to high yield savings account. You could use this money to fulfill your dreams and could live the life you wanted to live. As this is the final step and you don’t have to pay anyone now.

 

So these are the famous Dave Ramsey’s 7 baby steps. These steps have helped many people around the world to pay off their debt and build a wealth. Do comment in the comment section below and let us know how motivated you are to follow these steps in your life.

Have a good Day!

Top Sites and Apps Like Quicken this Year

Quicken is one of the oldest and famous system software that has helped millions of people to organize their finance in a better way than before. It was launched in 1983 and it change the way people organized their finance as it allowed people to make budget on the computer and record their transactions on a computer for the first time.

Now as the time has changed so the requirements of people also changed and these apps and software has updated them with time. But with the passage of time Quicken is not the only one in the market now. Many companies has launched their software and apps that are helping people in managing their financial issues. So today we will discuss about some of the alternatives to Quicken and their features. Although it is been a long time that Quicken is in business but many other companies are also now giving competition to Quicken developers.

So let’s start,

1- YNAB

YNAB stands for You Need a Budget. YNAB was founded by a college student in 2004. You Need a Budget basically emphasis on three main points. The first one is to stop living from paycheck to paycheck, 2nd is to get out of debt as soon as you can and the last one is to save money. These points are the main theme of this site and the site helps you to achieve them. You can make an effective budget here by which you will be able to complete your month with in your paycheck. One of the difference of this site from others is that they help you plan for unexpected expenses and budget fails so that if you come across with one you can easily tackle them. By their effective plans you will be able to get out of debt and would be on the track of saving money. You can take a trail of one month for free and then you have to pay a fee of $7 per month.

2- Mint

Mint is another famous financial app with 15 million users around the globe. This site helps people to make and organize a budget, track the spending and categorize it. You can check your credit scores and your investment on this site. Basically the main theme of the site is to enable you to manage all your accounts on a single place. Mint is a very user friendly website with a number of features and one of the best thing about Mint is that it is completely free and you won’t have to pay any fee for any feature. One of the things that you would have to face is that you would have a lot of ads on this website as the only way of income for them is the ads and the services you get from the ads.

3- Tiller

Tiller is another simple financial app that helps you to organize your income and spending in a simple way. This site was also known as Tiller Money and is in business since 2014. You just have to link your bank accounts and other accounts with Tiller and then it will automatically track your transactions on a spreadsheet. This is a very easy method of organizing your expenses. On Tiller you will have to pay a fee of $59 per year but you can take a trail of this site for a month for free.

4- Personal Capital

Personal capital is one of the famous app nowadays people use to manage their finance. Personal Capital is in business since 2009. This is a multi-function software that comes with many features at the same time. This software enables you to manage your all the accounts at the same time on one place. This is a very user friendly platform where you can track your all accounts like credit cards, bank accounts, loan accounts and investing accounts.

On this site you can check your net worth and check your assets at any time. You can make a budget for yourself and track all your spending on this site for free. All these features are absolutely free and the only fee you have to pay is for the wealth management feature that enables you to manage the investment accounts and the fee is 0.89%. But if you have more than one million in your investment account then your fee decreases.

5- Every Dollar

Another alternative to Quicken in this year is Every Dollar that was developed by the team of famous finance expert Dave Ramsey. You can make budget online and you can also set a goals according to the famous Dave Ramsey 7 Baby Steps. According to the website you can make a budget in only 10 minutes and you can zero sum budget which says that you must appoint every dollar a job and when you complete your budget there must be nothing left. This does not means that you should waste money but it says that there must be no dollar left to waste and you should put some amount in the savings section, some in the emergency fund and rest in the other sections.

You will have to link your accounts with Every Dollar, so that it can automatically track your spending and keep a check. The fee for this is $99 a year but if you want to use this site for free then you will have to manually enter your all transactions.

6- Good Budget

Another app like Quicken is Good Budget which will help you to make a budget based on the cash envelope system. This system says that you should make an envelope for every category in your budget and on this site you make cloud based envelopes. You have to link your bank account with the Good Budget so that it can track your spending and could let you know how much amount is left in each category for you. There is no fee for first 20 envelopes and you can use this free account on 2 devices that means you and your spouse could easily check at any time that what amount is left in each category. But if you want to use more than 20 envelopes then you would have to get the plus account that costs $50 per year that can used on 5 systems.

7- Dollarbird

Dollarbird is another app like Quicken to organize your finance better. The idea of this site is a bit different from the other sites and apps as it helps you to focus on short term money plans rather than the long term plans. Their system helps you to manage your daily spending. This site is best for you if you take money management in a different way than the other. You can use it for free but if you want more features than this site has two plans for you, one is for the families that costs $39.99 per year while the other is for business that cost vary according to your business.

8- Money Spire

Another software like Quicken is Money Spire which is linked to Quicken in a way that you can transfer your data from Quicken to Money Spire when you want. On this software you can make a budget for yourself, keep a track of your spending and your bills and along with that you can check and record all your transactions on a single place. You can use this software on all your systems with a single license. You can use this software for $49.99 while if you are not satisfied with the software you can return it as it comes with a money back guarantee of 30 days.

9- Pocket Smith

Another software like Quicken is Pocket Smith. On this, you can create a budget for yourself, track your spending, keep a record of your income and calculate your net worth. This programs lets you calculate your future money picture and they call themselves the time machine for money as it helps you to forecast the future of your money. The program automatically downloads your transactions and keep a record.

If you want to use this software for free you will have to enter your transaction manually while if you want your transactions automatically tracked you will have to pay $9.95 per month. This is the premium plan which includes the 10 year financial forecast too. While there is a Super Plan on this site that costs $19.95 per month in which you can see your financial forecast of 30 years.

If you are looking forwards towards a bright future and saving more money then you should consider this app as it will keep you motivated towards saving more money.

 

So these were some of the best replacements to Quicken for this year. These type of sites help you manage your finance in a better and organized way and you could save a lot of money by them. It’s worth checking them out once. Do comment in the comment section below and let us know how your experience of using these sites and apps was.

Have a good day!

Legit Methods to Get Gift Cards for Free this Year

Other than of cash, gift cards are one of the best gifts to receive. As the world is rapidly going cash less and all people are using digital money so gift cards are becoming more popular. These gift cards have the same importance as of the real cash as you can use them instead of cash at many places. There are many ways to get fee gift cards but I have re-searched for the best ones and now I am writing this article for you so that you could find legit sites and apps to get free gift cards. So let’s start,

1- Rakuten

Rakuten is a famous app that helps you earn cash back on shopping you do at their site. You can only get a gift card once on this app but you can use this app to get cashback unlimited times. This is one of my favorite app because you can earn cashback on over 2000 different stores. When you join their app, you get a $10 gift card that can be used at Walmart, you can replace that with $10 cash bonus too. You can get this gift card when you do a shopping of $25 from their app. As you can shop from 2000 different stores so it is obvious that you will get it in your next week. Other than that you can get cashback from these stores and once your account balance is $5 then you can get your amount via PayPal or mail.

2- Survey Junkie

Providing your opinion for free gift cards is not a bad deal at all as you do it for free all the time on social media. One of the methods to earn free gift cards is to take online surveys. There are many companies to take online surveys but the most reputable and a company having a high trust pilot score of 4.5 out of 5 is Survey Junkie. This site has plenty of opportunities to get points that can be redeemed for gift card. One of the best thing about this site is that you will get surveys according to your interest and this site has survey of different topics like politics, current affairs, shopping habits etc. You can get your first gift card from this site when you have 1000 points in your account.

3- Inbox Dollars

It is one of the most popular method to get gift cards. Inbox Dollars is one of the most famous and get paid to website that helps people to earn gift cards and cash for short activities. This is a very legit site and you can earn points for taking online surveys, surfing the internet, downloading coupons and playing games. One of the activity that will help you to earn more points is shopping online through Inbox Dollars. Inbox Dollars is a very trustable site with a trust pilot rating of 4.1 out of 5 and this site has given away 50 million dollars to its users in the form of prizes and gift cards. You will get $5 for just joining their website and once your account balance is $30 you can ask for a payout or different gift cards.

4- Swagbucks

Swagbucks can be termed as one of the most famous app to get gift cards online. To earn gift cards you will have to do some short tasks, that you usually do while using the internet. They have a trust pilot rating of 4.3 out of 5. To get a gift card you will have to earn points that you can redeem in to gift cards and you can earn points for doing activities like playing games, searching the internet, watching online videos, taking surveys and shopping from their app. The points you earn are termed as SB points and you can get a gift card when you have SB points equivalent to $3. These gift cards can be used at famous retailers like eBay, Dunkin Donuts and Amazon. Sometimes you can avail discounts on the gift cards and can redeem them for less points and you will be amazed to know that Swagbucks gives away 7 thousand gift cards daily.

5- My Points

My Points is another get paid to website that will help you to get free gift cards. The gift cards available at My Points can be used at 75 different retailers that include airlines too. This site is in business since 1996 and has a strong trust pilot rating of 4.4 out of 5. One of the method to earn points on this site is online shopping while you can also do activities like reading emails, playing games, web searches and watching online videos to get more points. Another best part of this app is that the redemption value for every gift card is different unlike the others where there are fixed points for every gift card. For example you can redeem a $5 gift card for 700 points to one retailer while you can redeem a $10 gift card for 1600 points. You can also earn points for buying gift cards on My Points.

6- instaGC

instaGC is another get paid to website with a trust pilot score of 3.6 out of 5 that will help you to get free gift cards. There are several activities you can do on this site to earn points and then these points can be redeemed in to gift cards. The activities include watching online videos, searching the interne, shopping and taking online surveys. The minimum amount you need to get a gift card is only $1 and there are 350 different kind of different gift cards available on this site. One of the reason to consider this website is that as you redeem your points for gifts cards or PayPal cash, you get it instantly and there is no wait.

7- Grindabuck

This is a website that has a lot of options for you to get free gift cards. Grindabuck has a trust pilot rating of 3.5 out of 5. You will have to earn points on this site like others and then you can redeem your points in to different gift cards of famous retailers like Walmart, Amazon or Game Stop etc. The activities you can do to earn points are listening to music, watching online videos, watching paid ads, downloading and playing new games and apps, completing offers and taking online surveys. So that are number of tasks that you can do and one of the best thing about this website is that you can even redeem your points for Bitcoin.

8- Honey

Honey is one of the most famous app to earn cash back. You can also get free Amazon gift cards on Honey. Honey is kind of different from other apps, you do not know how much cash back you will earn from this app until you complete your purchase and as you complete it Honey will check that if the products are eligible for a gift card and if they are it will apply the code automatically. This is one of the best app to use if you are a regular customer of Amazon because it will compare the prices of third part listings with the Amazon prices and whenever there is a chance of saving it will notify you. Another benefit of Honey is that it automatically puts a coupon code if there is an available coupon online for the product you are going to buy.

9- Ibotta

Ibotta is one of the sites that will help you to earn cash backs on shopping you do. This is one of the most famous site because you can also earn points for scanning your grocery receipts. You will earn cash back in the form of points that you can get in the form of cash through Venmo, PayPal or you can redeem your points in to gift cards from famous retailers like Starbucks, Best Buy or Amazon. There are over 340 plus stores on which you can do shopping to earn points or cash back.

10- Amazon Prime

Are you a user of Amazon Prime? If you are then you have an opportunity of earning a free gift of $5 from there site. You just have to refer your friends to Amazon Prime and when they will join and make a minimum purchase of $5, you will then get a free gift card of worth $5 on Amazon Prime. Thus this is one of the easiest way to get free gift cards while you enjoy unlimited discounts with Amazon Prime.

 

So these were some of the best and legit ways to earn free gift cards. Free gift cards can never be valued less than actual cash. There are many simple ways of getting free cards mentioned above so make sure you use all of them. As every site has its own payment options and different retailer options so my recommendation for you is that you should start from the simplest one to the complex one.

Do comment in the comment section below and also share your experience of using gift cards in the past. Have a good day!

Top Sites and Services to Get Travelling Discounts

It is been said that whenever you feel low or need a break, you should go on a vacation or simply. If you have been on vacations in the past you must know that traveling costs a lot. Like you have to pay the flight expenses, hotel expenses and the food costs. When you sum up all these it becomes a big number and you must find a way to get some discounts in order to enjoy your trip with full spirits.

Sometimes the travelling is not for the vacations, it could be for business and some personal matters. But in that case it is obvious that you cannot miss those trips. Thus today I have bought up a list of some services and websites that will help you to save money while you are travelling. These savings could be in flight costs, hotel rents and other expenses. There are different methods to get discounts from each service or website. So let us start from the first,

1- Trip Advisor

One of the famous websites for booking for your trips and reading people reviews is Trip Advisor. There is a lot to find on this website and you can make your trip more comfortable by using this site. When you will search for different hotels, flights, restaurants and other services you can read people reviews about that services and then can book according to your requirements. You can find discounts and packages for trips on Trip Advisor. You can also use their app to plan your days while you are in a vacation as this app will let you know about all the popular spots of the city in which you are residing.

2- Scott’s Cheap Flights

Scott’s Cheap Flights is one of the best ways to get discounts on flights. Using this site will help you save more than 50% of your flight costs and I will tell you how. The working of this site is much different from the other sites. You will have to sign up for their emails and then they will inform you about the best deals. All the flight prices are often decreased at times and sometimes companies lowers the rates. So whenever there is a change like that the Scott’s Cheap Flights will inform you through the email. They have a software that keep’s on checking the changes and it will also calculate the time that these prices will remain for. So by using this site you may have to change the time and schedule of your trip but you will be able to save a big amount on flights costs.

3- Booking.com

One of the most famous travelling website is Booking.com. You can book for hotels, flights, car rents, tours and other activities that are involved in a vacation. You can get discounts on almost every service they offer and you can also get special packages while you book for more than one service like a hotel and a flight.

You can also earn from Booking.com as it will let you list your home or apartment for rent if you live in a famous place. So you can use Booking.com as the same as AirBnb in order to earn money. While you are on a trip instead of leaving your home empty you should list it to Booking.com so that you could save more while you are on the trip.

4- Hotwire

Hotwire is another place to book for hotels, flights and car rental while you are planning for a vacation. You would have to pay as much as the price of direct booking but you can save more money by booking hotels and flights at the same time. This would help you to save a good amount of money. This site also has express deals that you can take. In these express deals you will not know the exact name of the flight and the stops but you can get a good discount. So if you do not have any issues of time then you can take these deals which will help you save more money.

5- Priceline

It is the one of the simplest website that you can use to book hotels, flights and cars. There are many options available for you when you are looking for hotels or flights. You can boost your savings by getting discounts and packages from this site. When you book for the hotels and the flights at the same time you get a vulnerable discounts. There are express deals on this site that does not allow you to see the hotel details until you have booked but gives you the maximum discounts. This type of express deals are best for those people who does not have any issues in living in any part of the city.

6- Kayak

Kayak is a site that will help you to get the best deal available on the internet with maximum savings. This site is basically a search engine with the best deal aggregator. The company also gives a lot of offers and promotions and will also let you know about an offer even it is not from their websites if it suits you. You can get the best deals on flights, hotels restaurants or even a full vacation package while using Kayak.

7- Orbitz

Orbitz is one of site that is used to book hotels, flights, cars and vacation packages. They have a different method of giving away discount that is they have their own rewards program in which you earn cashbacks on the services you buy from Orbitz. You will get cash backs in the form of Orbucks and then you can use these Orbucks to get discount on hotel stays. You will get 5% of cash back when you will buy a hotel service from Orbitz. 3% on hotels and 1% on vacation packages. You can earn more rewards by using most of their services and can then get discount on your next hotel stay.

8- Hotels.com

Hotels.com is a travelling website on which you can book flights, vacation packages and hotel bookings. This site has one of the largest listing of hotels around the world and you can find hotel prices as less as 50% if compared with the regular ones. There are many deals available at their site anytime and you can avail many if you want to save more on your vacations. You can also get last minute cut rate deals if you want to book hotels after you have left for your journey.

Another way to save money from Hotels.com is its reward program which will help you to get points and then redeem it for discounts on number of hotels around the world. To earn a reward you will have to stay at a hotel for 10 nights that you have booked from their site. You will get an average cost of the 10 nights as your reward points.

9- Jetsetter

One of the other place to save money on travelling is Jetsetter. This is an online magazine that will also offer you deals so that you could save maximum money on hoteling. You can only book for hotels on Jetsetter. They also offer flash deals on their website from which you can save on 50% of your hotel expenses. There are not many options available so if you want to have a good saving you will have to show some flexibility about where you want to go but if you do so it is worth it.

10- Travelocity

Another place to save money on your vacations is Travelocity. It is one of the travel agency where you can book flights, cars, hotels, cruise and even full vacation packages. You can become their member so that you could get 10% off on your next vacation hotel and as a member you would also get some special deals that you can avail for your vacation. If you are not a member you can still get some of the best deals as this site posts public deals too. So if you want to get one you would have to keep checking their website.

 

So these were some of the best travelling apps and services that you can use to get discounts on your travelling. You can get discounts while you are travelling for any purpose. There are some other tricks that you should keep in mind so that you could maximize the savings. There are sites like Rakuten that gives cashback to its users. So whenever you are booking for your flight or hotel, you should open the sites like Rakuten and then in that site you can search for the desired travelling website. There are no charges for cashback websites so you will be able to earn some free money while you will avail discount on the travelling site too. Another way is to keep checking the airline ticket prices as they fluctuate the prices many times on weekly basis. So you have a good chance of saving money if you keep a check on it. Thus these simple tricks could help you even save more money while on a trip.

 

Do comment in the comment section below and also share your savings experience from these sites.

Have a good day!

Best Ways to Save This Summer

When I was a child summer was my favorite season. In the summers, the sun shines to its peak and we can go out or attend many festivals. But when I was an adult I realized that this season comes with a lot of extra expenditures, as the summer comes with holidays for the children so there is a big expense for the vacations. We have to spend a big amount on summer activities and the energy costs also increases as there is a high use of Air conditioners. So this means that there are a lot of extra expenses in the summer for a common man. But you can also enjoy your summer in less amount and can save a good amount in the summer season and for that I am writing this article to tell you about the methods that I used to save money in the summer and how this season is now again my favorite season.

So let’s start,

  • Gardening

Gardening is one of the healthiest activity to do in the summers and it comes with a lot of benefits. It is one of my favorite activity to do in the summers. Although you would have to spend some money in the form of seeds or to maintain your garden but the results will be very fruitful. By gardening you can have healthy fruits at your backyard and you can make fresh juices from them. You can also grow tomatoes, lettuce or herbs because they are easy to grow and do not need much maintenance. This is one of the best way to save money on grocery and fruits and you would also get healthy and fresh fruits and vegetables. Another benefit of gardening is that it could help you and your children to consume their free time well in the summers.

  • Staycation

This is one of the easiest way to save on vacation plans. If you live in a place that is blessed with historical monuments and other natural sightseeing places that visitors often visit. Then instead of going far away from your home or going abroad you should spend your vacations inside your city. By this you would be able to save money on transportation and accommodation. If there are not such places like that you could visit to the Zoo, the Museum, the Arch or the beach. By this you would also explore your city and you will be able to see the places you have not seen yet. So this summer make a list of places in your city that you have not visited and want to visit. Thus staycation will help you to save money.

  • Spend More Time Outdoor

This is the time of the year where you have the opportunity to go out easily whenever you want and you can enjoy many activities. I am sure your place would also have such opportunities that you can avail. You can just go out in the morning for a walk if the day is very hot. Spending your time outside will help you to save more money and you can engage yourself in activities like hiking, camping, swimming, running, taking your dog to walk or riding your bike etc. These type of activities does not cost much money and are very cheaper and this can help you to keep yourself healthy too. Thus these type of activities always help to save money in the summers and you enjoy too.

  • Use Your Bike Often

Using your car all the time can increase your expenses and in the summer when the sun is out using your bike more often can help you save a lot of money. You do not have to use the car to go the grocery store located 2 KM away from your home. To do such type of tasks that are less far away you should replace your car by you bike. Bike is a very eco-friendly vehicle that you can use to move from one place to another and it will also keep you fit. You should also not get frightened by the sun because the heat from the sun will be good for you and when you will ride a bike the heat will give you more comfort. To make yourself more comfortable with your bike you can add a basket or bag to the bike so you could easily bring items. An important precaution that you need to take is to wear a helmet and also keep a lock so that your bike could remain safe.

  • Skip the Gym

Another way to save money in the summer is to skip the gym in the summer. This is one of the easiest way because summer provide many opportunities by which you can keep yourself fit and healthy. You could evaluate for yourself that whether you need the gym membership or not and in my opinion you should cancel your membership till the winters because in the summer you can keep yourself fit by activities like swimming, hiking or riding a bike. Other than that you can also work out from home that also saves a lot of money. Thus summers provide you the option to save the money you spend on your gym membership.

  • Sun Block

This is one of the simplest way to save money in the summers. By blocking the sun or heat to come inside your home you could save a good amount on energy costs. Summers always increases the energy costs but taking some precautions and blocking the sun could be one of the precaution that could help you. By closing the doors properly, shutting the curtains and all the shades you can keep your home cool. This simple trick can help save a good amount on energy costs.

  • Programmable Thermostat

This is one of the investment that you need to make in order to save money this summers. These programmable thermostat will help you to save money this summer. These programmable thermostats are really affordable that will decrease your energy costs this summers. These thermostats automatically program themselves according to your time and set the temperature as you go leave and enter the home that means when you will leave your house the programmable thermostat will adjust its temperature and in the night it will also adjust itself. Thus this gradually decreases the energy costs. Thus spending a 50 dollars could gradually help you to save hundreds of dollars in the upcoming months. These can also help you to save money in the winters too.

  • Combine Your Tasks

By this I mean to say that do not rush to buy a single item when you do not need it on urgent basis. By combing your task I mean to say that if you want to go out for some work or to buy something wait for some time until you have another task to do. By this you would be able to save some money in means of transportation and it would also help you to save some important time. This is one of the thing that you should do for all the season because it helps to save precious time and money.

  • Save While Cooking

One of the mistakes that we do in the summers is to cook inside our home while it is hot outside, this makes out home more hot and we have to turn down the AC. This can increase your energy costs and your effort to keep your house cool fails. So instead of cooking inside your house you should try to replace that with grilling or if you can’t grill you can use a slow cooker. By grilling outside you can use the heat from the sun in a good way and grilling is also a fun activity that saves you a good amount of money.

  • Skip Cable TV

Another big expense in the budget is the cable TV. On average you have to pay $120 per month for the Cable TV. You can replace this cable TV by alternatives and can save this money you spend on cable TV. If you use cable TV to watch your favorite shows you can replace that by using the channels app for that as you can easily watch your shows on that app. Other than that you can have membership of Netflix, Hulu, Amazon Prime Video or HBO Now and membership from these will only cost you $8 to $20 a month.

  • Buy Used Items

Summers means a lot of Garage sale. So gear yourself up and get ready for a lot of savings this summer because you are going to have a lot of garage sales this summer. You can also use online stores to get used stuff and could save a good amount. Used items are not a bad deal every time so to make sure you are making a good deal always check what you are going to buy. So you should now try to change your perspective of buying new things every time with this and thus get ready to save money.

 

So these were some of the methods that will help you to save money this summer. I am sure after this summer you would not be in debt but instead of that you would have saved a good amount of money for your winters. Do comment in the comment section below and also share your experience of how money saving in the summers has been a night mare for you before reading this article. Have a good day!

Best Dollar Stores Online to get Amazing Deals this Year

Usually you would have used the online stores for making big purchases and saving on them but have you ever thought of using these online stores for shopping of products that costs a dollar or less? There are some online dollar stores with some of the amazing deals that you must look in this year. Most of them will deliver for free at your door step and you will be able to save time and money by shopping from them. So instead of shopping from your local stores and spending time and money to get there you should give these online dollar stores a try. Let us start from the 1st one,

1- DH gate

One of the best place to buy whole sale products and save a lot of money is DH gate. This site basically deliver every product from China. So if you are comfortable from buying to China you should consider this site as you can buy products from every category like Mobile phones and its accessories, health care products, baby care products, men and women clothing and fashion accessories and even products like small fidget spinners. The products may cost as low as 10 cents. You can buy a single item or you can get deals of products if you buy in dozens. This site will also suit you if you are store owner. You can also get free digital coupons on this site and save a good amount of money and for the shipping you will have to pay but the cost will vary by the country you want to be shipped.

2- Dollar Tree

Dollar Tree is a local dollar store that also works online for the convenience of its customers. It is termed as the one of the most famous store brands. You can get a number of items from different categories at a single dollar because everything at the store is worth a single dollar. The items you buy will be shipped at the nearest store and you can pick them up from there as it will help you save time while if you want your products to be delivered at your doorstep you will have to pay the shipping fee. They have a Value Seekers Club for their customers and if you join that club you can get some of the amazing deals.

3- Dollar General

One of the famous and well reputed store is Dollar General. The reason of the store being famous is that it physically exist in the country. You can shop products from a number of categories from this store within the range of $1 to $6. One of the best thing about shopping from this store is that you can save a big amount by using digital coupons or sites like Rakuten for shopping. You will have to sign up to this site in order to get free coupons. You can get your products shipped for free to your nearest store but if you want to get shipped to your house then you will have to pay for shipping. They usually have many discount offers and free shipping for shopping to a certain limit.

4- Hollar

Hollar is also a famous dollar store where you can get some of the amazing deals. Hollar also has a mobile app that you can use for online shopping. They have an exclusive section of things that are of one dollar. The products may include office and party supplies, baby products and toys. Other than the dollar store you can also get products that cost more than a dollar like shirts, bags etc. in order to get free shipping from Hollar you have to buy products of at least $25.

5- Five Below

This dollar store contains a number of products from all the categories. You can buy products from the categories like food, electronics, boys, sport equipment and many more. This store is also in business in physical form as it has many stores across the states. No product will cost more than $5 and you will get free shipping from them. You cannot buy products from this store if you are not a United States resident as it only delivers in the US.

6- Dollar 1

One of the legit dollar store is Dollar 1 on which you can get amazing deals. There are a lot of products from the beauty, clothing, jewelry, toys and household sections that you can buy within a dollar and you can get some of the best deals on them. In order to get free shipping you would have to spend at least $25. The store is highly rated by the users so it is worth giving it a try.

7- RoseGal

RoseGal is not fully a dollar store as it would be difficult to find items for a single dollar but you can find some of the best items at $2 and above. You can find jewelry, fashion items, women and men clothing, home accessories and your garden accessories. You can get some of the best clothing deals between $8 and $30. This site mostly contains women fashion products and they have some good deals for it. You do not have to worry about the shipping fee as it is absolutely free in all the countries around the world and if you are shopping here for the 1st time you will get a discount of 10% on your order. They also have a rewards program through which you can get some good offers if you are a regular customer to their site.

8- Dollar Fanatic

Another online store to try this year is the Dollar Fanatic. It could also be said as a wholesale shop as you have to buy things in bundle. This store is best for you if you have a store or you need things in large amount. You can buy bundles of activity books, movies, clothes and many other stuffs. The price for a bundle is $99.99 and that is a very good deal as the single item may cost from $1 to $5. In order to get free shipping you will have to spend at least $99.

9- Dollar Shave Club

Another interesting dollar store is Dollar Shave Club. This site is best for you if you shave yourself and if you do so you know how expensive it can be. But this site will help you to save on shaving products like shaving cream, razors and other bathroom accessories that are used on daily basis. You will have to subscribe for the products that you need on daily basis and Dollar Shave Club will send you these products on regular basis. You can set the delivery schedule according to your routine and if you want to cancel the subscription you can do it anytime you want.

10- Miss A

Miss A online stores mainly contains beauty and cosmetics products. Most of the products on this site are more than a dollar but you will get a lot of items for a single dollar on their site too. Another best part of this store is that there are curated kits that you can buy which can help you save good amount of money and there are number of products in a kit so it will cost a single dollar or more for a single piece. In order to get free shipping you will have to make to an order of $35 or above and it should be in the United States.

11- H&J Closeouts

H&J Closeouts are one of the oldest suppliers of the one dollar products to the sellers. They also have an online store where you can buy items in the whole price that is mostly less than a dollar for many products. You can get souvenir or keepsakes at one of the lowest price from this store. You can find many products for less than a dollar and they also have section of 25-cents and 15-cents on their sites on which you can buy products that cost 25 cents and 15 cents. You can also get damaged or miss printed items for as low as 3 cents on this site. If you are resident of United States then you do not have to worry about the shipping as it is completely free within the United States while this company also delivers in Hawaii, Puerto Rico and Alaska for shipping fee.

12- Dollar Store

Dollar store is one of the oldest online store that is in business since 1996. You can buy items of price 50 cents up to $2. But to do shopping on this store you will have to order for at least $50. You will get your product shipped from the southern California. You can also pay in crypto currency like Bitcoin to the store.

 

So these were dozen best dollar stores that you must look to get amazing deals this year. It is not worth all the time to go the store and send a lot of your time and money. You can save more by checking these out.
Do comment in the comment section below and do not forget to share your experiences of shopping from these online stores. Have a good day!

Top Banks to Get Prepaid & Debit Cards For Your Kids This Year

When I was in the toughest financial crisis of my life I realized that how important is it to control my spending and manage your financial picture. This was the time I realized that I should train my children for their future so that they could not get in debt and if they do they could easily handle it. To do that, the best thing you can do is to open a joint checking account with your child when he or she is in their teenage. Provide them the prepaid credit card so that they could learn how to use it while they are under your supervision.

One of the important thing in grooming your children for their future financial management is to share the problems you have faced and the reasons that brought you to get in debt. This could help them to learn from your mistakes and in the end they would not have to get in debt by doing the same mistakes you did. Although the life is much different from what we expect but these things can help a lot.

Giving your children the liability of using a prepaid card or a debit card could help them to view things in broader perspective. Allowing them to take debt for their purchases could help them to learn how to get rid of it quickly and when they will leave their teenage they would not get frightened with the word debt and if they would have to take it they will pay off in a good manner. Using Prepaid Cards instead of an actual credit card would help them.

Now there are some companies and banks that will help you get a card for your kids while they are in their teenage. To get an account you will have to be a joint owner so that you could supervise every activity they do. So below I have put up some of the companies that will help you in this regard. So let’s start,

1- GoHenry

GoHenry is one of the best banking tool that you can use to teach your children about financial management. GoHenry was founded in 2007. The account works in a very friendly way as you make a parent account by your name with the bank and then you can set up your child’s account under your control and your kids will get debit cards for their use. You can control your child’s account and transfer money in to your child’s account from your parent account but for that you will have to put up some money in your parent account from the main bank account. You can transfer money at any times you want and this is one of the best method to teach your children that work will get them money. Using GoHenry can benefit you in many ways as you can set many limits like choosing where to use the card or setting a weekly spending limit. You will be notified for every purchase made from your GoHenry account and you can block any of your card at any time. GoHenry cost a monthly fee for your account management but you can try them for free in your first month.

2- American Express Serve

Another Bank to get a prepaid debit card is American Express. This bank has three different type of Serve cards for its customers. The three cards have different options for you and you can choose according to your need.

The first type of American Express Serve card is the American Express Serve Basic and it is one of the famous. This Serve card comes with many benefits like there is no ATM fee, no fee on online bills and no fee on direct deposits. Although other than that you will have to pay a management fee of a single dollar per month but you can save that by depositing an amount of $500 or more in a statement period. Apart from that you will have to pay the reload prices that is different by different retailers (commonly they charge $3.95).

The second type of American Express Serve card is the American Express Serve Free Reloads. If your teen needs a lot of reloads in a month then you should consider this card as here you will not have to pay any reloads fee. Other than this you can use the ATMs for free and there is no fee for online bills payment. If you are not a resident of TX, NY or VT then you will have to pay a monthly fee of $4.95.

Now talking about the 3rd type of card that American Express Serve provide is American Express Serve Cash Back. This type of card is usually for those people who spend a lot of money. The best part about this card is that you will earn a cash back of 1% on all the purchases you make. Other than that there is no fee for online bills payments and no fee for ATM usage. But you will have to pay a monthly fee of $5.95 and fee on cash reloads that depends on the retailers but commonly it is $3.95 per load.

So these are the three types of cards and you can choose the best for your kid according to their usage.

3- TD Go Prepaid Visa

Another bank to get a prepaid card is TD Bank. If you want a prepaid card as a teen then you will get a Visa Buxx prepaid card. There are many benefits of getting a TD Go Prepaid Visa card from the TD Bank. You will not have to pay any monthly service fee or per purchase fee and with that you can enjoy free ATM usage from the same network. You will have to pay a dollar for the card reloads and if you remain inactive for a year and does not make any transactions then you will have to pay a $2.50 per month fee. Another benefit of opening an account with this bank is that you can subscribe the emails for your spending so that you can keep an account of your balance and spending.

4- FamZoo

One of the famous companies to get prepaid cards for your kids is FamZoo. The basic purpose of this company was to enable parents to teach their children about financial management. The FamZoo Prepaid Mastercard comes with many benefits. You can visit the ATM for free as many times as you can and there will be no fee for that. There will be no fee for reloading your card and you will not have to pay any fee for the purchases. Other than that, your monthly fee will be only 0.63 dollars, although it depends upon the number of cards and your subscription package.

This company has enabled kids from all the ages to open a bank account and keep a prepaid card. If you are kid is less than 13, you will have to be the legal cardholder while your kid can use that on your behalf and if your kid is elder than 13 than the account will be shared by one of a parent and a kid.

One of the best benefit that FamZoo provides is that you can track your spending easily. The parents or the child can see anytime where they have spent their money.

5- Akimbo Prepaid Mastercard

Another option to get your child a Mastercard is Akimbo Prepaid Mastercard. This card comes with many benefits and you can open a prepaid account for your desired purpose and that could be entertainment budget or your child’s budget. One of the benefits of Akimbo Prepaid Master card is that you will not have to pay any fee for purchase transactions. Other than that you will have to pay $1.98 ATM withdrawal fee and $0.99 fee on purchases that require pin usage. These options could be costly but it has some other best options that you can look upon.

6- Capital One

One of the best bank for getting a prepaid card for your teen is Capital One. Their transaction account named as Capital One’s Money account is designed for teens. You can get a Money debit Card with this account and this will help your kid to live in a budget. The Capital One’s Money account comes with many benefits. You will not have to pay any management fee, no debit card fee and free ATM services. Other than that there is no minimum requirement for your account balance. As a parent you have complete control of your kid’s account and you can look at the spending and balance at any time you want. This way this account and card gives an opportunity to the parents to teach their kids financial management skills.

 

So above I have discussed some of the best banks that you can use to get a prepaid or debit card for your kid this year. All come with different options that you can avail and it is up to you to decide which one you are taking. Do comment in the comment section below and let us know about your experiences of using these prepaid and debit cards.

Have a good day!

Top Saving Apps like Ibotta this Year

Saving are blessings and everyone wants to save money though the reasons could be different for everyone. Grocery shopping is one of the essentials of the daily life while everyone looks for a way to save from grocery shopping, Ibotta is an app that helps people to save from grocery shopping. It could be fun while saving money.

I am sure you would have heard of Ibotta but if haven’t let me tell you as it is the most famous app that helps you to earn cash backs and discounts on a number of stores. Ibotta is a very user friendly app and to get cashbacks on Ibotta, you will just have to scan your grocery receipts. You will be amazed to know that how could get cashbacks like that? This is how it works the cashback you earn is actually based from the offers available on the app. So if you want to get the maximum in savings you could first check for the offers in the app. You can get the cashback via PayPal anytime you want.

There are many other apps like Ibotta that you can use to maximize your cashbacks and today I have come with a list of apps and sites like Ibotta that will easily increase your savings. So let’s start,

1- Checkout 51

Checkout is one of the best savings app and you can use it on any store. The process to get cashback is pretty same as you would have to upload a picture of your receipts every time you will buy anything. You should look at the offers before you make a purchase so that you could maximize your savings. One of the best thing about this app is that you could also save from online shopping by just uploading the package label. This is one of the easiest way to save and you will get your savings via a direct check when your account balance is $20.

2- Dosh

Dosh is another cashback app that will simply increase your chances of savings. Dosh provides savings opportunities for not only the grocery stores but you can also get discounts and offers for restaurants and hotels. The process is simpler than Ibotta, as you would not have to scan any receipts here. You can receive cash back on number of stores around you by activating offers and you will receive your cashback in your account when you will make the purchase. Dosh also provides the opportunity to save on online shopping. To get cash back, you will have to link your debt card or credit card with the app so that your purchases could be tracked through here. You will be paid through a direct check or PayPal when your balance gets $15.

3- Shopkick

Shopkick is one of the familiar apps like Ibotta. For the activities you do on Shopkick, you will earn points called kicks. There are three methods to earn the kicks and the best part is that you can earn kicks without even shopping. You will be amazed to know that you can earn kicks only for visiting stores. Shopkick pays you for visiting some of the selected stores. To find the nearest store to get paid you can open the navigation through the app and find one. Secondly, you could earn kicks for scanning barcodes. Yes you heard it right you can earn kicks for scanning barcodes of certain products at selected stores. While this could be the easiest way to make some cash. Other than that you could do shopping through the app and earn points. You could get digital coupons and other amazing offer through their app and could have maximum savings.

The points you earn on Shopkick can be redeemed in to gift cards that can be used at famous retailers like Urban Outfitters, Walmart, Best Buy, Target and many others. Shopkick is available for both android and iOS systems.

4- Fetch Rewards

As the name says, it is an app to get cask back and many amazing offers. You will get points for the receipts you upload on Fetch Rewards. You will have to go through offers so that you can get maximum points and one of the best thing about this app is that you can shop from anywhere you want and you can upload the receipts. The points you earn can be redeem in to gift cards that can be used for famous retailers like Target, Amazon or CVS. By signing up from a referral you can earn $2 and the minimum amount to get paid is $3. So the earnings starts right away.

5- Receipt Pal

Another similar app like Ibotta is Receipt Pal. You will not have to activate offers and search for offers here to get discounts. Receipt Pal has one of the easiest methods to earn cash backs as all you have to do is to download their app (which is available for both Android and iOS systems) and upload your receipts. You can upload the receipt of any purchase you have made in the last 30 days as the receipts older than 30 days are not entertained. You will earn 25 points each after 24 hours for the receipts you upload. In the start you can upload 20 receipts per week on Receipt Pal but after spending some time at this app you will be allowed to upload more receipts per week. The points you earn can be redeemed for gift cards for famous retailers and restaurants at any time you want. An extra tip for you is that if you have a higher number of points then you can redeem them for a big reward and that reward will be much bigger than the other websites.

6- Receipt Hog

Receipt Hog is another famous app that is used to get cashback. The process is pretty simple and same like Ibotta as you would not have to do anything extraordinary than simply uploading the pictures of the receipt of the purchases you have made. You will earn points for every receipt you upload and unlike Ibotta you can upload any type of receipt you want. The points can be redeemed in to gifts cards for Amazon or you can get your cash through PayPal within 7 days of the request.

7- Shopmium

Shopmium is an app that is used to get cashback by scanning the receipts of your grocery store purchases. This app could be said to be exactly like Ibotta. You will have to scan the receipts and if your purchases qualify for offers you will be rewarded with points that can be redeemed in to PayPal cash or you can ask Shopmium to pay you directly through your bank. You can ask for cash out any time you want.

8- Savings Star

One of the website to save money for grocery shopping is Savings Star. The working of this site is a bit different than the Ibotta. To save money on the grocery shopping, you will need a stores loyalty card and all the things you buy will be tracked by the loyalty card that means no more receipt scanning.

Saving Star also has an app that makes it very user friendly. You can have many amazing deals and discounts at Savings Star and to get these deals you would have to find them through the app and you will have to claim the deal before making a purchase at the store. So that when your purchases are tracked, you could get the cashback. The amount you earn in the form of cashbacks from the deals you claimed will be in your Savings Star account and you can get that amount in the form of gift card, donation for American Forests or via PayPal. On average it takes 5 to 15 days while sometimes it could take 30 days also.

9- Mobi Save

Mobi Save is one of the quickest and simplest app to earn cash back. You can go through the offers available at their store and if you get any amazing offer that you want to avail. You will have to buy the items form the grocery store and then upload the receipt to Mobi Save same like Ibotta. The reason for calling Mobi Save the quickest is that they will pay you within the 24 hours of your upload via PayPal so that simply means there is no minimum pay amount.

 

So these were some of the top savings app like Ibotta that will help you to maximize your savings. The process could be different in many of them and the amount of cashback you get could be different but as it is free money so you should try to get it from the maximum you can. You should try the simplest one and then proceed to the other sites. This could really help you to go step by step for your savings and it will make you a savings master soon so that you could achieve that for what you were saving.

Do comment in the comment section below and lets us know about your experiences of shopping and getting cashbacks through these websites and apps. Save more and have a good day!