How To Save


How to Save

How to Use Ibotta

Posted on Wednesday, July 18th, 2018 at 7:00 am
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Disclosure: This article contains affiliate links. Clicking on an affiliate link can generate revenue for the website owner. The FTC requires blogs that contain affiliate links to clearly and conspicuously disclose that there are affiliate links in the article.

Everyone wants to save time and money when they shop. This can be accomplished by collecting coupons, which can be tedious. Some stores have apps that give users special deals and offers. The biggest limitation of these apps is they can only be used at one store.

Ibotta is a cash back rewards app that gives consumers a better way to save time and money when they shop. No matter what you are buying, or where you are buying it, if you start with Ibotta, you’ll receive cash back. Ibotta partners with hundreds of CPG brands and has over 75 partners like Uber, Postmates, Drizly, Overstock.com, Walmart.com, and some categories of Amazon.

To get started, you need to download the Ibotta app and set up an account. The app is free to download and use on iOS and Android devices. Some of the offers might be for in-store shopping, while others may be for online shopping. New users can receive up to $20 in Welcome Bonuses.

Next, start searching for offers for things you were already planning on buying. You might also find offers for products that are new to you and are tempting enough to give them a try. Add the offers you like and plan on using to your Ibotta app before you shop.

Now, you are ready to start shopping! You can earn cash back on groceries, things you buy from retail stores, bars, restaurants, and more. Make sure you hang on to your receipt when you are done shopping. The last step is to snap a photo of your receipt with your smartphone and upload it to the Ibotta app so it can be processed.

Later on, check your Ibotta account. That is where you can find your cash reward for the specific items you purchased. You can earn extra cash with special bonuses and offers. Ibotta launches new offers each week, plus ongoing partnerships with top brands.

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Save Money on Snacks While Traveling

Posted on Wednesday, July 11th, 2018 at 7:00 am
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Going on vacation can be a nice break. It can also quickly become very expensive. One way to cut down on the cost is to plan ahead. The way to save money on snacks while traveling is to bring your own. Doing so prevents you from having to buy overpriced snacks at the airport.

Unrefrigerated
For best results, choose foods that do not require refrigeration. You don’t want to accidentally eat a food that has gone bad and then spend your vacation being sick. You may not have the budget to pay for a night spent in a hospital.

Some healthy options that will travel well include: dried fruit, jerky, crackers, rice cakes, granola bars, protein bars, dry cereal, nuts, popcorn, pretzels, and trail mix. All of these are “finger foods” that do not require refrigeration.

Easy to Eat
When deciding what kind of snacks to bring, keep in mind the environment you will be in. Avoid things that require the use of sauce, or spreads, that could get really messy. Traveling by train or car isn’t always smooth, and air travel sometimes involves turbulence. Food that requires in-travel preparation may be too difficult to eat.

Another way to make travel snacks easy to eat is to put them in reusable containers. Small plastic containers, with secure lids, can be very helpful. You can quickly open them and close them as needed.

Just in Case
Unexpected things happen when people travel. You might only have a short span of time to catch your flight or train. Weather can delay your departure time. There is a risk that you could be stuck somewhere while hungry.

The overpriced (and not always healthy) foods that are nearby can seem tempting if you are getting hungry and feeling desperate and frustrated. Save your money and eat the snacks that you brought with. Families that are traveling with small children will definitely need plenty of kid friendly snacks.

Bring a Water Bottle
It is important to stay hydrated. People who are on vacation tend to forget how long they’ve been out in the sun. You might underestimate the amount of exercise you are getting as you explore new places. Bringing a water bottle with you can help keep you well hydrated.

Fill the water bottle at your hotel before you set out for the day. If you run out of water, you may be able to find a cafe or restaurant that offers water for free. You won’t feel the need to spend money on sodas from vendors while you are out if you have water with you.

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How to Save Money with Ibotta

Posted on Wednesday, July 4th, 2018 at 9:09 pm
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Disclosure: This article contains affiliate links. Clicking on an affiliate link can generate revenue for the website owner. The FTC requires blogs that contain affiliate links to to clearly and conspicuously disclose that there are affiliate links in the article.

One thing is true for just about everyone. We all have to go shopping from time to time! Many people truly enjoy shopping and see it as their favorite hobby. Others only shop when they absolutely need to. No matter how you feel about shopping, you can make your shopping experience more rewarding with Ibotta.

Ibotta is a cash back and rewards app that gives consumers a better way to save time and money when they shop. No matter what you buy or where you are buying it, start with Ibotta, and live Life Rewarded.

The first thing you need to do is download the Ibotta app. It is 100% free to download and use on iOS and Android devices.

Users receive cash back on products and services from online and in-store retailers, including:

* Beer, Wine & Spirits
* Pharmacy
* Grocery
* Travel
* Clothing
* Beauty & Wellness
* Restaurants & Bars
* Convenience
* Crafts & Gifts
* Home & Electronics

Ibotta launches new offers each week, plus ongoing partnerships with top brands.

Do you enjoy in-store shopping at your favorite retailers? Ibotta began with a simple goal: to help consumers save on everyday products at the grocery store. Five years later, users can use the app to do so much more. They haven’t forgotten their roots and still offer cash back on thousands of household products and grocery items.

Start earning cash back at stores like:

* Walmart
* Target
* Whole Foods
* Costco
* Safeway
* Kroeger

Do you prefer mobile shopping to in-store shopping? With its huge number of partner apps, Ibotta is the place the start for all mobile purchases. Not only will you get cash back, you’ll also safe time.

Start earning cash back at apps like:

* Amazon
* Drizly
* Groupon
* Overstock
* HotelTonight
* Postmates

New users who register with Ibotta can receive up to $20 in Welcome Bonuses. Ibotta users have earned over $250 million dollars in cash back. The average active user makes $20 every month.

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Ways to Save Money on Prescription Medications

Posted on Wednesday, May 9th, 2018 at 7:00 am
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Piggy Bank with PillsAmericans spend more money on prescription medications than people in any other country. Sometimes, a person’s health insurance will cover the prescription medications that they require. Other times, the insurance company refuses to cover it, leaving people to struggle to pay for the expensive medications that they need. Here are a few ways to save money on prescription medications.

Ask your Doctor for Generics
It is a good idea to ask questions when your doctor prescribes a medication. The doctor usually won’t know whether or not your health insurance covers what they are prescribing. Ask your doctor if it would be ok if you took the generic version of the medication instead of the name brand.

One vivid example of why this is important was in the news a while ago. The EpiPen (made by Mylan) is expensive. This pen is used by people who have severe allergic reactions to things that can cause them to go into anaphylaxis. The double-pack of Mylan EpiPens can cost as much as $400.00

CVS has created their own version of Mylan’s EpiPen. The CVS version costs around $5.00. It is made from the same ingredients as the EpiPen. Ask your doctor if he or she can prescribe the generic version instead of the name brand.

Ask the Pharmacist for Generics
CVS is rolling out a new tool that alerts CVS pharmacists to cheaper drug options when they fill patient’s prescriptions. It is called the Savings Finder. This program flags a less expensive therapeutic equivalent, prompting the pharmacist to tell the patient and seek permission from the doctor to make the switch.

Savings Finder is also available to CVS consumers through an app.

No matter where you pick up your medications, it is a good idea to ask the pharmacist if a less expensive version is available. The generic versions are often much less expensive than the name brand.

Compare Prices
Call your preferred pharmacy and ask what your medication would cost. Next, call several other pharmacies, and ask the same question. Sometimes, the price of a medication can change depending on which company’s pharmacy you ask – and whether or not the pharmacist is aware of a generic version.

Ask the pharmacist if you can get a discount for having the store’s loyalty card. Ask for coupons. Find out if a prescription will cost less if you have the store’s credit card or membership card.

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How to Lose Weight Without Going Broke

Posted on Wednesday, May 2nd, 2018 at 7:00 am
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There are two times every year when many people decide to try and lose some weight. The first is January, when people make weight loss their New Year’s Resolution. The second is Spring, when people decide to lose weight so they can look good in swimwear. Whatever your reasons for weight loss are, there are ways to lose weight without going broke.

Exercise for Free
Can’t afford a gym membership right now? Look for ways that you can exercise for free. Some people may be able to take advantage of the gym at the company they work for. Your employer might have an incentive going on that encourages employees to take walks, eat healthier, and lose weight.

Other people might be able to use the track at the local high school for free. If the weather is nice, you can go for a bike ride, walk down a bike path, or go for a run outside.

Try Online Workouts
There are tons of workout videos all over the internet. You can find plenty of them on YouTube. Many of these videos do not require any specialized workout equipment, so you can do them without having to make a financial investment. For best results, seek out videos that are made by professional instructors or trainers.

Check your Insurance Coverage
It is possible that your health insurance will cover some types of weight loss services or treatments. Most health plans cover free screening for obesity as part of guaranteed access to free preventable care. WebMD says that if your body mass index (BMI) is over 30, you qualify for free weight loss counseling. Some health insurance plans will cover weight loss medications, or a visit with a nutritionist.

Eat more Produce
The Eat This, Not That! blog suggests that people swap meat for plant protein. Plant based proteins such as legumes (lentils, chickpeas, peas and beans) have been shown to speed up weight loss. Typically, meat is more expensive than vegetables are. Swapping veggies for meat can help you not only lose weight but also save money on your grocery bill.

Pack a Lunch
You have already spent money on groceries. Use them up! Take the time to pack a healthy lunch that you can bring to work or school. Fill a reusable bottle with water. This gives you the opportunity to make healthy choices for lunch without having to spend any additional money. It also makes it easier to avoid the fast-food places on your lunch break.

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The Simple Dollar has 100 Tips for Saving Money

Posted on Wednesday, April 11th, 2018 at 7:00 am
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The Simple Dollar is an excellent website for people who are looking for ways to save money. They put together a blog post titled “How to Save Money: 100 Great Tips to Get You Started”. Here are just a few of those tips that sound extremely easy to do.

Turn off the TV
One way to save some money on your electric bill is to get into the habit of turning off your TV when you aren’t watching it. The best part of cutting down on the amount of TV you watch is that you won’t be watching ads. Many people allow ads to influence them to make purchases they don’t need. Less time spent watching TV means you can avoid the ads and save money.

Try the 30 Day Rule
All of us have made an “impulse buy” at one time or another. People who shop for emotional reasons (and not because they need something specific) are likely to buy things without thinking about whether or not they have the money for it. The Simple Dollar suggests that you use The 30 Day Rule. Don’t make that purchase today! Wait for 30 days. Your urge to buy that item will likely disappear.

Drink More Water
You can lower your grocery bill if you stop drinking a lot of soda, juice, and sugary tea. and start drinking more water. Bring a refillable water bottle with you when you are out and about. When you get thirsty, you won’t be as motivated to purchase a soda. This simple practice can save you money and help improve your health.

Turn Off the Lights
Your parents were right – leaving lights on in rooms that no one is in costs money. Get into the habit of turning off lights before you leave the house. Take it a step further and turn off lights in rooms that no one is in at the moment. During the day, you can open the curtains or blinds and let the sun shine light into your home.

Buy Used When You Can
Before you buy something brand new from an expensive store, take a look at the thrift stores in your area. You can buy used clothing – that looks as good as new – for a lot less money than if you bought a similar item from a retail store. Used book stores are excellent places to purchase books that are new-to-you. Some used book stores will give you store credit for books that you donate to them.

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Walmart Introduces Meal Kits

Posted on Wednesday, April 4th, 2018 at 7:00 am
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Walmart announced that it has introduced new meal kits for customers. The meal kits will eventually roll out to more than 2,000 Walmart stores in 2018.

The meal kits will be available via Walmart’s Online Grocery Pickup, where customers can order online at lunch and pick up as soon as dinner time. The meal kits are also available now in more than 250 stores.

Walmart’s meal kits are made and assembled fresh in-store daily. They were tested and developed in Walmart’s Culinary and Innovation Center. The meal kits can be found on shelves in the deli section of the store. Options include pre-portioned cooking kits, kits to accompany Walmart’s best-selling rotisserie chicken, along with options that can be heated up and on the table in less than 15 minutes.

Meal kits serve two people, and range in price from $8 to $15. That’s rather inexpensive, and could be a quick, convenient, option for busy families. Those who really hate to do all the work involved with preparing a meal might also benefit from a Walmart meal kit.

The pre-portioned meal kits do not require shopping for ingredients, chopping, or measuring. Options include Steak Dijon, Basil Garlic Chicken, Sweet Chili Chicken Stir Fry, and Pork Florentine.

There are two versions of Walmart’s Rotisserie Chicken Meals. It includes a cooked-to-perfection rotisserie chicken, plus some curated ingredients for a quick dinner. Choose from Thai Curry Chicken or Chicken Fried Rice.

One Step Meals are designed to be fast and easy. Options include Chicken Alfredo, Cheesy Ravioli Bake, Meatloaf, Spaghetti and Meatballs, Chicken Parmesan, Pulled Beef, Chicken Marsala, Curry Chicken, Pot Roast, or Chicken Enchiladas.

TechCrunch points out that the Walmart meal kits are designed to compete with meal delivery services like Blue Apron, HelloFresh, Plated, Home Chef, and others. The Walmart meal kits require less preparation time than the meals from other companies.

Late last year, Walmart launched Meals Made Easy, an expanded assortment of meal delivery kits and other speciality food items like farm fresh crates and snack boxes. Meals Made Easy does not require a subscription.

The meal kits are not going to be convenient for all families. Some Walmart stores do not yet offer meal kits. Families who have a member with food allergies will likely have difficulty determining if a specific meal kit is allergy friendly.

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America Saves has Advice on Saving Money

Posted on Monday, March 26th, 2018 at 7:00 am
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America Saves motivates, encourages, and supports low- to moderate-income households to save money, reduce debt and build wealth. They have plenty of advice on saving money. Here are a few of their simplest pieces of advice for saving money.

Save Your Loose Change
What do you do with the change you get after making a purchase with cash? It might not seem like enough money to worry about. According to America Saves, putting aside just 50 cents over a year will get you way to a $500 emergency fund.

Use the 24 Hour Rule
Right this minute, you might feel a strong need to buy a specific thing. Whatever it is, you feel like it is something you cannot live without. It isn’t something you actually need, though. Wait 24 hours before buying it. This prevents you from spending money on impulse buys.

Unsubscribe
You bought a t-shirt from one of those online websites that sells unique designs. Or, you signed up for emails from a store that you like to shop at. As a result, you end up getting email from them with coupons, sales announcements, and photos of things you would be interested in buying.

Unsubscribe from those emails. Remove the temptation to spend money on things you don’t really need. Out of sight, out of mind.

Check Your Credit Report
America Saves suggests that you check your credit report once a year. You can get a free credit report from the credit reporting bureaus once a year. Check for inaccuracies that should be removed and for opportunities to raise your credit score. America Saves says that a low credit score can increase the cost of a 60-month, $20,000 auto loan by more than $5,000.

Use Your Local Library
Before you buy more books, or movies, check to see if your local library has a copy you can borrow for free. Today, more and more libraries are offering e-books that you can check out through the library’s website. Some libraries have DVDs you can borrow. You can be entertained without spending money.

Get Preventative Health Care
If you have health insurance, it probably covers at least some forms of preventative care. For example, an annual checkup will probably be covered. Go get it. Preventative care can help doctors detect health issues before they turn into expensive problems. Dental check ups can help prevent fillings, root canals, and more.

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How a “Do Not Buy” List Can Save You Money

Posted on Monday, March 19th, 2018 at 7:00 am
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You might be spending money that you really don’t have. This is especially true for people who have certain spending habits or the need to always have the latest and newest of everything.

Sarah Winfrey, who writes for WiseBread, has come up with a simple way to keep money in your pocket. She calls it the “Do Not Buy” list. For full details about the “Do Not Buy” list, you should read the blog post on WiseBread.

In short, the idea is to identify what drives you to spend money on things that you don’t really need. People buy things as a way to satisfy an emotional state of being. If you regularly engage in “shopping therapy”, the “Do Not Buy” list might be for you!

Author Ann Patchett wrote an article for The New York Times titled: My Year of No Shopping. She was inspired by a friend, who had just completed a no-shopping year. One of the things Ann Patchett learned was that she shopped online when she was feeling anxious.

How can a “Do Not Buy” list save you money? It forces you to identify your own impulses and to stop giving in to them. One way to start is by looking at your bank and credit card statements and figuring out what stores you spend the most money in. You might be surprised by how much you spend at your favorite stores.

Everyone’s “Do Not Buy” list is unique. Avid readers might need to put books on their “Do Not Buy” list. Fashionistas may need to stop buying clothing for a while. People that are into the latest and fastest technology might give themselves a “time out” before buying the newest version of something.

For others, the impulse to shop is driven by emotion, instead of by specific types of products. Ann Patchett shopped online when she was anxious. Other people might shop when they feel sad, or lonely, or bored. Their “Do Not Buy” list might include the restriction of not shopping while feeling a specific emotion.

The best thing about the “Do Not Buy” list is that you can choose how long you want it to last. A good starting point might be a month. Pick a month to start in, and stick to the list until the month ends.

The “Do Not Buy” list will help you save money because you won’t be spending it on things that you don’t need. At the same time, it helps you break your bad spending habits.

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March is National Frozen Foods Month

Posted on Monday, March 12th, 2018 at 7:00 am
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March is National Frozen Foods Month. The National Frozen & Refrigerated Foods Association (NFRA) is the sponsor of National Frozen Foods Month. Every year in March, you can find special deals, offers, and coupons on frozen foods.

Make sure to check Coupons.com in March. They typically have plenty of coupons from brands that make frozen foods. Make sure to check the expiration date and use the coupons before they expire. Before you shop, go through your freezer and find out how much room you have.

Need ideas on how to use the frozen food you buy? Easy Home Meals will be featuring recipes that feature frozen foods. These recipes can help you find new and interesting ways to use the frozen foods that are in your freezer.

Each recipe is centered around a frozen food, and includes everything else you would need to make a nice meal for your family. For example, Easy Home Meals has a recipe for Meatball Street Tacos that uses a package of frozen turkey meatballs.

In addition, Easy Home Meals is offering giveaways and sweepstakes as a way to celebrate March Frozen Food Month. You can enter their $10,000 Sweepstakes for a chance to win one of five First Prizes of $1,000 or the Grand Prize of $5,000.

The Easy Home Meals Gift Card Giveaway offers a chance to win one of four $50 gift cards or the Grand Prize of a $100 gift card to a supermarket of your choice. You can enter the giveaway now. Both the giveaway and the sweepstakes end in April.

According to the National Frozen & Refrigerated Foods Association, the following brands are participating in the 2018 National Frozen Foods Month:
* Best Yet
* Dole
* Eggo
* Farm Rich
* Giant Eagle
* Green Giant
* InnovAsian
* Jimmy Dean
* Jose Ole
* Parade
* Piggly Wiggly
* Rosina
* Safeway
* Sandwich Bros.
* SeaPak
* Sister Schubert’s
* Tai Pei
* Totino’s
* Tyson

Does that list include one or more of your family’s favorite brands? March is a great month to stock up on the frozen foods that your family already enjoys. Your grocery bill might be a bit lower this month thanks to the discounts on frozen foods.

Didn’t see your favorite frozen food brands on that list? Don’t worry! There will be many other brands celebrating National Frozen Food Month with their own discounts and coupons. Check the website of your favorite brands, and visit them on social media, to find out what savings they will offer this month.

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