Top Money Saving Phone Apps!

Best Money Saving Apps

Updated: 05/19/2017

I taught a class last night where someone asked what phone apps I recommended for couponers to maximize their savings, no matter what type of couponer they were (extreme, dedicated, casual, or the if I remember to bring the coupons with me to the store couponer). I have written about all of these apps before, but here are all of them in the same place.

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1. Favado  Favado is a mobile savings app that helps shoppers stop overspending by notifying them when their favorite items are on sale. Favado has money saving experts who hand select sales and coupons every week — in more than 65,000 grocery and drugstores nationwide — to enable discovery of the best deals for savings up to 70% on everyday items.

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2. IbottaIbotta is a fun and easy way to earn $20 or more each time you go shopping. The more you use it, the better and more personalized your offers become.

Here’s how Ibotta works:

  1. Get the Ibotta app HERE
  2. Pick out the coupons for products you want
  3. Buy your products
  4. Take a picture of your receipt and submit it.
  5. Ibotta will send you cash for your purchases, you can redeem for gift cards for Starbucks, Redbox, and more!
  6. Every time you redeem an offer Ibotta will send you another one!
  7. By using Ibotta it will learn what you like, and will personalize the product coupons it sends you.

3. CheckOut 51:

Here is yet another FREE tool that will help you save even more money while shopping! What if I told you they will pay you for buying the products you already buy!?!

Here is how Checkout 51 works:

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  •  Sign up Here (it’s FREE!)
  • See what offers are available on the offer page. New offers are added every Thursday at 12 am and expire the following Wednesday at 11:59 PM (see the offers that go live 1/16 below):

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  • After you go shopping, submit your receipt, and get cash back for any of the products that you bought that are on the offer page!!

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  • Get a check in the mail once your balance reaches $20!!

 

 

4. Walmart Savings Catcher

If you shop at Wal-mart you will like this program that works nationwide!

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“If a local competitor has a lower advertised price, you get an eGift Card for the difference”

It is actually very simple and only has a few steps

  1. Enter your receipt number or scan the barcode here
  2. Walmart will match the price of any local competitor’s printed ad for an identical product.
  3. If Savings Catcher finds a lower advertised price, you get the difference, back on a Walmart Rewards eGift Card!

You can submit up to 7 receipts per week to Savings Catcher.

There are a few promotions that Savings Catcher do not include: 

  • Items that require a separate purchase to get the advertised price (example: “Buy oatmeal to get cereal for $1.”)
  • Items with no actual price that require a purchase to get a free product (example: “Buy both oatmeal & cereal to get milk for free.”)
  • Items that require a purchase to get a gift card (example: “Buy a 12 pack of paper towels to get a $5 gift card.”)
  • Buy one get one free (BOGO) deals where no item price is listed (example: Peter Pan Peanut Butter, buy one, get one free. Save up to $2.50.”)
  • Going out of business or closeout prices.
  • Percentage off (example: “All mascara, 40% off.)
  •  Online purchases

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5. Mobisave

MobiSave lets you save no matter where you shop. Just select from their wide variety of offers and use their App to send us a picture of your receipt and they will deposit your savings directly to your PayPal account (almost instantly).

There is a wide variety of apps to use in order to help you save more money at the register. These are just a few of the best ones that I personally use and know are legitimate.

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Tips & Tricks: Ways to Save Money on Produce

 

I think it would be safe to say that everyone would love to save money on fruits and vegetables! One of the best ways to save on produce would be to start a garden. However, if you do not have the space or the time to take care of a garden, there are still ways to save on produce and vegetables. Following the steps below will help you to stretch your food budget, and keep nutritious foods in your fridge! 

Saving Money on Fruits and Vegetables 

Mobile Apps: Did you know you can download rebate apps on your phone, to save money? You buy the items you want, and then upload the picture of your receipt and select the items that are available that you purchased. You can earn anywhere from $0.25-$1.00 or more on select items. They are always adding new rebates! Ibotta, Checkout 51, and Mobisave are three of the most popular mobile apps that usually have a few rebates for produce and vegetables . You can use all three of these apps for the same products, so you earn extra savings!

Coupons: These are a little more rare but you can find produce coupons! Look for printable coupons online! You can find them on This Mommy Saves Money website, and on our Facebook page, so make sure to check regularly. Also, if you follow brands on Facebook you can find high value coupons! Brands want to keep their Facebook engagement numbers high, so one of the popular trends is to put their higher value coupons on their Facebook pages instead of in the coupon inserts. 

Farmers Market: Sometimes farmers markets will have lower prices on their produce then your local stores. You may even be able to find a few farmers markets in your area! What I love about this option, is it gives you a great way to support local farmers in your community! 

Friends Who Garden: If you happen to have a friend or family member who is a gardener, maybe see if they have any excess produce. If so they might give it to you for free or you could offer to pay them. 

Shop Sales: Make sure to check the Savannah Savvy Shopper Facebook page to see the best deals for stores in our area each week! Try to buy what is on sale for the week, to help save money. The grocery store will change what fruits and vegetables that are on sale each week. So shop the bargains and wait for the next week to buy others. Shop Mornings – Some sale items sell out fast, so shop first thing in the am if you can. That way you get the best pick and you can buy the amount you want. 

Broccoli: If you like to buy fresh broccoli, note that you pay by weight. If you buy a head of broccoli that has a lot of stalk, you are paying more for less of the crown. So look for a short stock with a bushy crown. 

Frozen Produce: Think of buying some frozen vegetables and fruits. You can get the same benefits, and it sometimes they are more convenient and affordable.  You can save a lot of money this way and they taste just as good. For fruits put some in smoothies, cobblers, and baking. 

Buy In Season: Watch the seasons of your fruits and veggies. If you go and buy something that isn’t in season you could be paying double or triple compared to what you would pay if the fruit or veggie was in season. 

Unit Prices: Produce is sold in one of three ways: by the item, pound, or by the bag. So make sure to calculate and compare the unit price of each. There is no for sure way to get the best savings without comparing each time you shop. 

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Ways To Save Money On Easter Dinner!

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Can you believe Easter is almost here? It seems like we just got done with Christmas and New Year’s celebrations!  I love Easter dinner because it is a nice reminder of Spring and it gives me a chance to be with those I love. While Easter dinner is not usually as expensive or complicated as other holiday meals, it still can get pricey, depending on how many folks you are feeding. Here are some tips to save money on your Easter Dinner this year.

Ways to Save on Easter Dinner

Plan your menu. Planning what you will be making can help you figure out not only what you will be having and keep it organized, but you can also see where you can use ingredients from what you already have on hand and buy shared ingredients for dishes.

Make your own rolls and dessert. Buying these from a bakery is so much more costly than just making your own. You don’t have to get super fancy either. Just make a simple cake and some easy biscuits if you are stretched for time.

If the crowd you are serving is large, do a potluck style meal. Offer to buy the largest expense, the Easter ham, and have all your guests bring assigned goodies such as sides, dessert, rolls, drinks and appetizers. This way, you don’t have to spend too much time cooking and can enjoy more time with your family as well as save everyone some money.

Make your own table décor. There is no need to run out and buy expensive centerpieces. If you have some tulips coming up, a simple bunch of them in a tall glass vase with colored glass rocks looks lovely and simple. You can also find do-it-yourself inspiration by looking on blogs and Pinterest for ideas.

For your main course, think outside the box. If ham is too expensive, maybe your local supermarkets have something else on sale such as ribs or lamb. Also, don’t just shop at one place for your main course. You may be able to get a great discount from local farmers, butcher shops and even warehouse clubs.

Skip expensive wine and make punch instead. If you really want to do wine, try using sangria as it is fruity and less expensive that wine and a great addition to an Easter feast.

Buy early or late. Many times, retailers mark up prices but make them come across like bargains on things like eggs or ham this time of year. Buy as soon as you think is necessary or wait until last minute when supermarkets will be marking down their hams in order to get them sold in time. Also, be on the lookout for coupons this time of year as well for eggs.

Buy produce locally. In many parts of the country, produce is already coming to town at farmer’s markets. You can usually get great deals at these local merchant’s tables. Also, be on the lookout for farm fresh eggs as well.

Buy in season and cook your meal around that. Produce that is in season this time of year is artichokes, asparagus, morel mushrooms, spring mix salad and rhubarb.

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FREE Baby Sling, Carseat Cover, & More For Parents!

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We have quite a few readers who are having children or grandchildren in the next few months. I am always asked about gifts, savings, and more for these moms to be. Here is a roundup of a few of my favorite freebies. All of the following have been verified to be legitimate freebies. In fact, I  just ordered from one of these for a few friends who are expecting babies in the next few months!

Free Baby Sling:

 Lucky Pink

Get a stylish baby sling for FREE! You only have to pay for shipping and handling. I keep one of these on hand for baby showers!

Click on ‘Shop Now”, select any baby carrier you would like. Be sure to go to the sizing page so that you can get the right size carrier for you. Once you have selected your size, you will automatically be directed to the “shopping bag” where you can enter the promo code “ENBABY“. This promo code will take 100% off of the baby carrier purchase and all you are required to pay are the shipping fees. You can use the code more than once- simply open a new browser window to do so. These make great baby shower gifts!

 

FREE Carseat Carrier Cover:

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This would make a great gift for a new mom!

Click on “Shop Now”, select any canopy you would like (be sure to go to their sizing page so you can get the right size carrier for you). Once you have selected your size, you will automatically be directed to the “shopping bag” where you can enter the promo code “MYSAVINGS” This promo code will take off 100% of the canopy purchase and all you are required to pay are the shipping fees. You can use the code more than once – you just have to open a new browser/window to do so.

 

FREE 5 Pairs of Baby Leggings

Check out this great deal for the little ones in your lives. Right now you can get 5 pairs of baby leggings for FREE. You only have to pay for shipping and handling. These make great gifts and there are so many different choices.

These sell for $10 each. Here is how to get 5 for free. Pick 5 pairs (they can be different pairs and add them to your cart. Put in Discount Code: MYSAVINGS. This will take off $50 (your total for 5 pairs). You only have to pay shipping and handling. I tried it to make sure!

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Your total for all 5 is FREE, and only $12.95 for shipping and handling!! That is an awesome savings!!

Freebie for Nursing Moms: Free Breast Pads!!

Do you know a new mom or are you, yourself a new mom? Grab yourself 5 Free pairs of Breast Pads:

  1. Go Here
  2. Select your favorite pairs of Breast Pads – you will then be automatically directed to your shopping cart.
  3. Enter the promo code “ENBABY” and we will deduct 100% off the cost of your Breast Pads – a $35 value!

*Remember, you can use the promo code “ENBABY” more than once, just open a new browser to do so!

SUBTOTAL: $ 35.00
CODE DISCOUNT: ($ 35.00)     
SUBTOTAL: $ 0.00

*Offer valid while supplies last.

 

Free Nursing Pillow! Great Baby Shower Gift!

Enter promotional code MYSAVINGS to receive free Nursing Pillow. You only have to pay for shipping and handling!

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There are some really cute designs! These would make great gifts for a mom to be! I used mine almost every day, when my little one was born.

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If you prefer the higher price Minky pillows, the discount code will take off $40, so you only pay $4.95 +shipping and handling.

Here is  a picture of what the higher price Minky pillow looks like:

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FREE Pregnancy Belly Button Bands!!

 

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Am I the only person who didn’t know these things existed?! So I could have seriously have worn one of these instead of going out and buying maternity pants?!  I love that you can still wear your pre-pregnancy pants unbuttoned and this belly band will hold tight and keep those unbuttoned pants in place!!

Right now you can get 2 of these belly bands or one FREE Body band!! What a great gift for a mom to be!!!! Here is how to get these for free.

  1. Click here.
  2. Add 2 belly bands OR 1 body band to your cart
  3. Add promo code ENBABY at checkout.

You only have to pay for shipping and handling!!!

Free Board Books

Free Baby Board Books!
Books, prints, and other products provide for a print-rich environment where family members of all ages can interact and enjoy, whether silently, during read-alouds and dramatizations, or when wanting to read aloud together. Everyone wins with Babsy Books as family members use oral language to read aloud, think, and laugh with one another!

You can get 5 Babsy Books What a great gift for a family!!! Here is how to get these for free.

  1. Click here.
  2. Add 5 baby board boards to your cart
  3. Add promo code PJBABY  at checkout.

You only have to pay for shipping and handling!!!

FREE Faux Fur-hat!!

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Ok these are so adorable! I may have to get one as a gift.Check out this great deal for the little ones in your lives. Right now you can get 1 of these adorable hats for FREE. You only have to pay for shipping and handling. These make great gifts and there are so many different choices!

How to get yours:

  1. Click here.
  2. Add 1 Faux Fur-hat to your cart
  3. Add promo code PJBABY at checkout.

You only have to pay for shipping and handling!!!

Ruffle Buns

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I’m not sure what I like more, the hat above or these adorable Ruffle Buns. I am seriously buying a few items off this list to keep for future baby shower gifts. You can get three pairs of Ruffle Buns with promo code PJBABY at checkout

How to get yours:

  1. Click here.
  2. Add 3 pairs of Ruffle Buns to your cart
  3. Add promo code PJBABY at checkout.

You only have to pay for shipping and handling!!!

FREE Pampers Gifts to Grow Rewards Program

Join the free Pampers Gifts to Grow Rewards program and receive 100 free points toward your purchase of Pampers goods, gift cards, and more!

 

Read my article on how to prepare for a Baby On A Budget

Updated: 3/4/2017

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Relationship Goal: Alleviate Financial Stress With A Plan

In almost any relationship when you bring up the topic of finances or money, you’re sure to be met with opposition. Many couples indicate that finances are the number one reason they have stress within their relationship. “A third of Americans in a relationship believe they are the saver and their spouse/partner is the spender. In contrast, only 21 percent would cop to being the spender and admitting their spouse/partner is the saver. – Suntrust Banks. Let’s focus on ways to help alleviate this stress by focusing on ways to talk with our spouses/partners about finances.

Before you even begin your financial discussions, make it a rule that there will be no finger pointing throughout the entire discussion and that you will both be open minded and allow each other to speak and explain their side of the equation.  Make sure to do this when you can carve out some distraction free time. It’s hard to have a crucial financial conversation with the kids asking you a million questions, or when your spouse is preoccupied because they have a big project due.

What is your debt philosophy? Financial disagreements often arise from different views of debt, from how much to use a credit card to the term and amount of a new car loan. Ask your partner what they consider an acceptable level of debt and see how much it diverges from your answer.

Creating an environment where both sides can speak freely, without judgement, is crucial to establishing open communication, which makes it much easier to dig in and get to root of any would-be financial struggles.  Maybe one of you is hiding deep financial secrets, now is the time to come clean about them.

Once you have laid out the ground rules — it’s time to dig in!

Set Financial Goals

It’s important for both sides to be on the same page when it comes to finances.  In a recent SunTrust survey conducted by the Harris Poll, a third of Americans in a relationship believe they are the saver and their spouse/partner is the spender. In contrast, only 21% claimed they are the spender and their spouse/partner is the saver. If you have one party that just wants to spend everything, while the other wants to squirrel it all away for emergencies — you’ll have nothing more than 2 upset people and mounds of disagreements.  Sit down and hash out realistic goals that you both agree on.

Do you want to have all your debt paid off in 5 years?  Have you always dreamed of having a Christmas Club or Vacation Club account?  Discuss your dreams together and use those dreams to help plan your financial future.

Create a Working Budget

Once you know where you want to be, its time to figure out where you are.  Comb through and lay out all of your monthly expenses and create a monthly cash flow plan or budget.  What are you actually spending on a monthly basis?  Are there any areas that you can shave your expenses, such as your cable/satellite bill, cell phone, monthly subscriptions, expensive coffee habit, etc? I will admit I LOVE having one type of coffee, but it is also one of the more expensive brands. That is one area where I knew if I stopped going out every day for coffee, I could easily save $100 a month. Now, I only go out for my coffee when I have a gift card.

After you know what you’re spending every month, figure out just how much you have coming in every month.

 

Make a Plan

Now that you know where you’re at and where you want to be, it time to make a plan that you both agree on.  If you have money left over at the end of every month, what do you plan to do with it?  Too much month left at the end of your money? How are you going to fix that?  Is it time to take on a second job or do you need to shave expenses somewhere else?

 

Plan a Date

In order to keep the lines of communication open, and the financial secrets at bay, plan a date every month for you and your spouse/partner to discuss your finances.  This is important so that not one person is in sole control of the finances and each knows exactly where you’re at financially.  Meeting once a month will also give you a clearer picture as to how close you are to reaching your goals and if something in your budget or your goals needs to be adjusted.

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