Take advantage of the money saving apps that can easily be used on your phone to help you stick to your budget. Our in-house budgeting expert, Jessica, is sharing the best money saving apps that give you cash back while you’re shopping.
Freebs! It’s Jessica here and I’m going to be bringing you weekly posts about money and budgeting. If we’ve learned anything from Jordan, it’s that you can’t take it lightly! You’ve got to be intentional with your money. If you need help starting a budget, check out this post of Jordan’s. It's my favorite system for managing money and it's so easy.
So I have a question for you. Do you use your phone to save money and get cash back when you’re shopping? If not, then you’re missing out on some money in your pocket! I’m talking about some of my favorite money saving apps today and telling you how you can get cash back while doing your normal shopping!
Are you ready to do this? Let’s go!
LET MONEY SAVING APPS HELP YOU
If you’re on a budget, then you’re probably always on the lookout for new and different ways to save money or earn some extra cash. Have you ever thought about being able to do that while you’re shopping? One of my favorite ways to get cash back in my pocket is by using money saving apps on my phone!
Now, let me be up front and say that you can definitely blow a budget if you’re going out of your way to buy items that you wouldn’t normally buy just so you can say that you saved some money or got a certain amount of cash back. I only use these money saving apps when I’m already planning on buying something because I need it. Don’t blow your budget, Freebs! You work SO. DANG. HARD. to make your budget work. Let these apps that help you save money do just that; let them help you, not hurt you!
MY FAVORITE MONEY SAVING APPS
There are a lot of cash back and money saving apps out there. I haven't tried them all, but these are a few of my favorites.
Ibotta is a cash back rewards app and is definitely my most used and one of the best money saving apps! Before you go shopping, you add cash back offers in the app for the items that you want to buy. Then you go shopping at your favorite grocery stores or retailers (both in-store or online).
When you’re done, you upload your receipt or link your loyalty card and you get instant cash back! Once you reach $20 in your account, you can withdraw your cash. Cha-ching!
I always have my earnings go to my PayPal account, but you can also link to your Venmo account or have it go on one of your favorite retailer’s gift cards. I’ve been using this money saving app since late 2016 and I’ve gotten $261.25 back! I only use mine for groceries, but there is a lot of potential for getting more cash back if you’re already planning on shopping at retailers that are included in the app.
Receipt Hog is a fun money saving app that lets you turn your receipts into real cash! All you have to do is upload your receipts from any store or restaurant to earn coins and spins on the virtual slot machine (which can also earn you coins). Depending on what you purchase, you can also qualify for quick surveys that will earn you extra coins.
Once you reach 1,000 coins, you can redeem $5 in the form of an Amazon gift card, a Visa gift card, or have it go to your PayPal account, which is what I do. I’ve been using this money saving app since late 2016 and I’ve gotten $70 back! That’s not bad for taking pictures of your receipts and spinning a little slot machine that has a cute pig on it!
Fetch Rewards is a great money saving app that lets you turn your grocery receipts into your favorite gift cards. One of the great things about Fetch Rewards is that you don’t have to worry about browsing through the app before you go to the store.
You just upload your receipt once you have it and boom! It does all of the work for you and rewards you with points. Once I hit 5,000 points, I redeem it for a $5 Walmart gift card, but there are so many other options that you could redeem it for!
Shopkick is another great money saving app that lets you earn gift cards without much of a hassle. In order to earn points, or kicks as they call them, all you have to do is WALK INTO A STORE. What?! Seriously! Just have your app open when you’re walking into one of the stores that are in the app and you’ll earn anywhere from 10 to 75 kicks.
If you want to earn more, you can scan certain items in some of the stores (without having to actually buy them), scan your receipt if you purchased eligible items to earn kicks on, or link your credit/debit card to a store and get kicks for money that you spent.
I’ve been using this money saving app since mid-2016 and I’ve earned $50 in gift cards. I don’t even go to the hassle of scanning items, I just do the store walk ins. That’s my kind of easy reward!
TARGET’S CARTWHEEL & CIRCLE
If you shop at Target, then this is a money saving app that you need on your phone! Before you shop Target, either in-store or online, you should check out the Cartwheel offers. They always have hundreds of exclusive deals and offers that are categorized, so it’s easy to find something that you’re looking for.
You add the offers to your Cartwheel and then at checkout, you’ll see your savings! If you’re checking out online, the savings will be applied automatically. If you’re checking out in-store, make sure that you scan the barcode in the wallet portion of the app so that the savings will be automatically applied!
Target Circle is a great way to earn 1% cash back any time that you shop at Target (which in my case is juuuust enough). If you have some earnings from a previous Target trip, then you can go to the wallet portion of the app and check “pay with earnings.” Then you scan your barcode in your wallet and the earnings will be automatically applied to your purchase. Scanning your barcode also tells it how much your current total was and it adds that 1% cash back to the wallet for future use.
If you have a Target REDcard, then your cash back amount increases to 5%. However, I would only suggest doing this with their DEBIT card option. Please don’t sign up for their credit card option! You don’t want Target to be the reason that you go into debt. Seriously, Target should only be a happy place!
OTHER MONEY SAVING APPS
Now that you know about my favorite money saving apps, let’s talk about some that I’ve been wanting to try out but just haven’t taken the time to do so yet.
If you shop online and don’t use Ebates, you’re missing out! The ONLY reason that I haven’t used this money saving app is because I don’t do a lot of online shopping. And as I say this, I realize that I actually do shop on Amazon from time to time and I have definitely been missing out on saving some money!
As Jordan said in her money-saving hacks to save $100 post, Ebates is the LARGEST cash back site! They partner with over 2,500 companies and brands that you love and shop at already. All you do is sign up for Ebates HERE, shop through their site or app, (or download their browser shortcut which automatically notifies you when you're shopping at an Ebates partner site), shop as usual, and get a check in the mail every quarter! It's INSANELY EASY! Now why haven’t I been doing that again? It’s time for me to jump on the Ebates train!
Honey is basically a personal shopping assistant that brings all of your favorite stores and the best deals together into one money saving app (or browser extension). Instead of having to buy from each individual website, Honey lets you put everything into the same cart and you don’t have to worry about multiple checkouts from different retailers.
Honey also automatically finds and applies the promo codes with the biggest savings. Crazy, right?! Honey sounds like my kinda gal, I think we could be besties for the resties!
Alright, well there you have it! I’d love to know, do you have any favorite money saving apps that I need to try out? Let me know in the comments!
If you could use a little help with your wallet and these great money saving apps aren’t going to do the trick for you, check out Jordan’s Budget Boot Camp program! It's a super fun video program that makes money easy to understand. All you need is a screen and you're set!
Jordan is so great that if you don't save at LEAST what you paid for the program, she'll refund every dime. You've got nothing to lose! Use the code FCFBLOG to get an extra 10% off.
Need a few more phone hacks and tips?
- Take a look inside Jordan's phone to see what her favorite apps and iPhone hacks are!
- Do you need some iPhone hacks for mom? Look no further!
- Learn some simple ways to get organized by using your phone!
My name is Jessica and I'm the in-house budgeting and money expert for Fun Cheap or Free! I have my master's degree from Texas A&M University, which is basically the best school in the universe. 😉 My sweet hubby and I are living out our ranching dreams in Texas along with our two cute girls!