I don’t know about you, but I’m at that age in my life where I want my money to stretch to meet all my goals and needs. And every so often, I’ll talk to someone and realize it’s not just me. It seems like it’s everyone around me. And maybe it’s just because it’s December, but it seems like it’s more apparent right now than it has been before.
We want to save for a fun vacation or weekend getaway, save for retirement, save for the big life purchases, save for wedding expenses or babies. We need to pay off student loans and car loans and mortgages. We need to pay rent. We want to treat ourselves once in awhile. And maybe even test out the investment world.
I’m constantly leaning on apps and websites to help me, and sometimes I’ll be in conversation with someone and mention one of these below. So I thought I’d do a quick roundup of some apps and sites that I absolutely love that help me automate saving, or get a little back for the purchases I’m already making, or get me points toward future purchases. This is definitely not an ad, but a few of them have good referral codes so you get a bonus for signing up that way, so I’ll include those below. Some of them will also give me something if you sign up.
Get Upside – Before you shop for gas or groceries or takeout, you can go to this app, open it up, and see if you can claim an offer for cash back from a local gas station or grocery store or restaurant. Mostly I’ve used it for gas. You can cash out and have it go to your Paypal account. I’ve gotten as much as $0.20/gallon off the price just by using this. You also get “upside credit” which can be used for $3 off a car wash, for example, or a percent off an in-store purchase like food at the attached convenience store. Use code “KALEIGH227” for an extra 20 cents per gallon cash back on your first gas purchase.
Ibotta – This might be my absolute favorite. You get rebates for items you buy (mostly groceries and health/beauty products and alcohol). James LOVES it for beer because you get like $3 or $5 back on a case of beer. If you drink wine or liquor, the rebates are really good for those too. Like GetUpside, you have to search by the store you’re going to and then select a rebate based on what you’re planning to buy. Use code “jejvgqh” for an instant $10 bonus. You can cash out to Paypal once you hit $20. They’re doing a lot of deals where you get a 10% back on shopping via your phone too. Like 5% cash back on Target purchases, for example.
Qapital – Hannah Brencher Sheats raved about this to her Instagram followers back in the summer so I checked it out and I’m hooked – full credit to Hannah. You basically create basic rules that trigger the app to pull small amounts of money from your checking account into a separate goal account – so I used it to try and slowly save for Christmas, for example. You could do this for vacations, to save a little more towards your mortgage or student or car loan, etc. For example, I set it to round all my purchases from my credit cards to the nearest $2 and to also send $5 if I walk more than 2 miles per day. You can have as many goals and as many rules as you want. You can also set certain rules for certain goal accounts. I love the idea of using it for extra mortgage payments or other loans. Use this link for $5 when you create your first goal.
Checkout 51 – Same concept as Ibotta. Just another place to look for rebates before you go shopping.
Shopkick – This one’s hard for me to remember to do, but if you open the app before entering a store, you get “kicks” for that store if they have a “kicks” deal that day. Target’s usually got a 30 kicks deal. You can also get points for purchases at various stores and for scanning items (not even buying them). It’s an easy way to get points toward gift cards without even making a purchase. I have enough for a $10 gift card for Target and I didn’t even make a purchase to get there. Use “SHOP621802” to get 250 kicks for your first walk-in to an eligible store (as long as it’s within 7 days of you downloading the app). You have to have Location Services on your iPhone when you’re using this app.
MyPoints – This one’s not an app (it’s a website) but I love it. Casey, my college roommate, introduced me to it in 2008 and I’ve been using it ever since. You get emails with bonus points for clicking through or for making a purchase (XX points per dollar). Just go to their site and log in and then search for the retailer and click through to it to buy and get points per dollar. You can also do surveys to earn points. Then you redeem points for gift cards. I’ve earned a bunch of $10 Target cards over the years just by doing surveys or clicking on the email links. They also offer coupon codes and grocery coupons.