Christmas In July

The best thing happened today! I scored a video game that my kid has wanted for awhile with a great deal from an early Amazon Prime Day deal. One of my favorite responses when someone asks me where I got something, is to tell them about the deal I scored on it. I’m not sitting around cutting coupons. Honestly, I tried but it costs me as much to get the newspaper as I was basically saving by using item. Since going on Social Security Disability, for years now, I have tried to find ways to stretch our dollars.

After having my kids, I have always bought gifts throughout the year as I find good deals and saved them for birthdays or Christmas in a bin in the garage. The holidays are expensive with outings, gifts, donations, etc. Our family has quite a few birthdays that hit at the last quarter of the year too. We also have to keep in mind that my Medicare deductible starts fresh at 12:01am January 1st.

Over the years I have found a few ways to save money here and there. I am not sponsored by any of these Apps, they are not paying me to share this info with you. I am listing my referral link to each if you would like to join- I may earn a bonus from them if you use my link but it would be in the same way you would get a bonus if you shared your referral link with your friends.

Discount Apps

I use 3 discount Apps every time I shop whether its in store or online- Ibotta , Fetch Rewards and Rakuten.

Ibotta– Ibotta is an online coupon app that you pick the store you are going to shop at, look through their discounts for items that you wanted to buy and after you submit your receipt via their app, they add the cashback money to your account. You can cash out your cashback savings starting at $20 to redeem as a gift card or have it deposited as cash in your checking account.

Bonus: When using Ibotta with a specific stores app with their deals, you can stack the savings. Last week we needed sunscreen: Ibotta had a $1 cashback rebate on Neutrogena Sunscreen, Target had a $2 instant manufacturer coupon on their app and there was a $2 coupon on the bottle! Instead of $8.99, I paid $4.99 in store and then had the $1 added to my Ibotta balance. So really it was like I paid $3.99 for a sunscreen I was going to buy anyway.

If you would like to try Ibotta, you can use my referral link: https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=55onra

Image: a screenshot of a Neutrogena sunscreen cashback offer

Fetch Rewards– Fetch Rewards is literally the easiest app to use to earn gift cards! You shop as you normally would, you take a picture of your receipt on the app, they credit you points that add up. When you have enough points, you redeem for a gift card that you chose from their choices (Amazon, Target, Walmart, etc.) Many receipts count too: Restaurants, home goods, sporting stores, even online shopping receipts count (Target.com, Amazon)! Truly the easiest way to earn gift cards!

BONUS: It doesn’t take very long to earn enough points to earn a $5 or $10 gift card. I cash these out for stores like Starbucks, Bath and Body Works, and Target, and save them for teacher gifts or stocking stuffers.

If you would like to try Fetch Rewards you can use my referral link: https://fetchrewards.onelink.me/vvv3/referralemail?code=F5JAK

Image of a screenshot for the amount of points I’ve earned on my latest shopping trips

Rakuten– Rakuten is an app that gives you a percentage of cashback from online stores. Seriously, there are so many stores to shop at: Dinner subscriptions, pet services, clothing, digital services! You shop, they credit your account with your savings and they send you a deposit to PayPal account four times a year.

As of today, July 8, 2022 until September 30, 2022 if you use my referral link you will earn a $30 bonus when you spend $30 at one of the stores. So basically spend $30, earn $30 back as a cashback bonus that will be deposited in your PayPal account!

You can use my referral link to join here: https://www.rakuten.com/r/SARAYR46?eeid=44752

Image: History of the cash back I have received

Digit– I am a horrible saver. Like really bad. I have tried little games like every time I get a $5 bill put it in a jar but I almost always cheat and take the money back out. I have tried to automate certain amounts of money such as $10 every 2 weeks for school stuff throughout the year. I do great at the beginning of the school year but as the year goes on, it’s just to easy for me to move the money into our main account.

Enter Digit an automated savings app that is connected to your online Digit account and not your bank account! I love Digit.

BUT It is not free! It’s $5 a month but for me that is $5 is a bargain!

You can set up Digit as a savings account or as an actual savings money goal and it will take out small amounts of money from your checking account daily and weekly to help fill those goals. Currently, I have a rainy day fund that Digit takes anywhere from a few cents to a few dollars for every day here and there. I also have a specific money goal set for a trip to New Orleans we have planned in October. They take bigger amounts of money to fund that one in the 4 month time frame I had set it up. You can always add money money into your Digit accounts too. When you are ready to withdrawal your money it takes a few days to be deposited. Another great feature is they will not overdraw your account if it is not safe to withdrawal money from it, like 3 days before payday or at the end of the month. If they do over draw you and it is their fault, they will pay your overdraft fees. Your money is FDIC insured as well. There is an investing plan too but I have never looked into it.

If you would like to try Digit you can use my referral link here: http://digit.co/r/byLitb4N3w?ap

Image: My savings accounts balances

Do you have any apps that you use to save any money? I’m always looking for new ways to save a little more. I am not a financial planner and this post is not meant to be used as financial advice.

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