I read somewhere that 80% of people live paycheck to paycheck. That’s a lot of people who could use a little more money in their pockets. My husband and I started last year paying off debt, because we essentially felt like we had no flexibility or freedom to do certain things in our life, like starting a new farm. Here’s a few ways I save our family money.
Ibotta / Coupon Stacking
If you haven’t heard of Ibotta, it’s a FREE rebate app that is downloaded on your smart phone. I’ve tried 5-6 rebate apps, and this one pays off BIG. I don’t even bother with the other one’s anymore. Here’s a quick run-down of how the app works:
- Sign up here and download the app for FREE on your smart phone.
- Browse through available offers and add any you are interested in or plan on buying anyway (i.e. Bounty Paper Towels, Diapers).
- Go Shopping as you normally would
- Redeem your offers by taking a picture of your receipt. They’ll match
- Get paid almost instantly! Once you make $20, you can redeem it for cash or gift cards instantly!
Join ibotta here, and you will instantly receive $10 just for signing up.
Another reason I LOVE ibotta SOOOOO much, is because I can still use manufactured and store coupons on the same products. In addition, look for CVS or Target offers that throws in store gift cards. This is how I stock up on paper towels, diapers, toilet paper, air filters, laundry detergent, and other needs.
If I do any online shopping, including Amazon.com, I will activate the site from my ebates account and earn cash on my purchases. It’s not quite as instant as ibotta, but they do a good job tracking, even if the item is on back-order. Later, they’ll cut me a check I then deposit.
Join ebates here, and you’ll receive another $10 just for signing up!
Have you heard of a third-party negotiating your bills lower. I only did this for my internet, and they did an amazing job! They lowered my bill $240/year AND I’m getting better internet service! Yes, I pay them 40% of my savings. But when I tried negotiating myself, I did not get any savings or better internet.
Bill Shark has an 85% success rate negotiating bills for Cable TV, Wireless Phone, Satellite TV, Internet Access, Satellite Radio, and Home Security. Just follow these steps:
- Sign-up for Bill Shark
- Upload your latest bill
Speaking from experience, the turn around is quick and they have excellent customer service.
I was with State Farm for a long time. It wasn’t until I started working for a bank when I decided to switch. I called BB&T Insurance Services and was set-up with an incredible agent. They reviewed what coverage and found another insurance company with the same coverage for less. The benefit of using a broker is, they do all the comparison for you. And the best part is, BB&T only partners with people who have excellent service.
The service was really put to a test when I had to take a claim out last year. I was two weeks postpartum and they really did make it as easy as possible. I can’t remember how much savings it was, but it was a significant amount.
I decide on what we’re going to eat for the week. I usually plan 3-4 meals and leave the other nights as left overs. Meal planning use to be really hard for me. I liked to eat things I was in the mood for and I got bored with our meals. But eating out and buying groceries really adds up.
How I broke through? Having a list / meal ideas box helps so much. Skimming Pinterest and seeing other people’s meal plans gives me new inspiration. And a staying in budget doesn’t feel limiting, but more strategizing.
If you don’t shop at Aldi, TRY IT! I know, it might not be appealing to you, but they are bringing up their game. The new stores are nice, their selection is growing, and even quality. And when you have a whole weeks worth of groceries for $30, your mouth will drop every time. I can’t go to Publix without spending $20 or more. This is a subject I could spend a lot of time on. Just start loosely planning and you’ll find a groove that works for you. More on this later!