As a financial management professional and a very busy mom to many, I am a huge fan of easy ways to save money. If I have to take copious amounts of time scouring sales or clipping coupons to save a few bucks, it’s probably not going to happen. However, if I can use an app or website to quickly save me money on things I was already going to buy, I’m all in. There are so many apps that can help you save money on shopping and everyday expenses, but I am going to focus in on my three favorites.
The app/website I have been using the longest is Ebates. Ebates, is a merchant referral site that offers you cash back on purchases that you make from stores affiliated with their site. The retailer pays Ebates a referral fee, then, Ebates passes a portion of the money back to you. They have hundreds of affiliate stores; so if you are doing any online shopping, definitely check Ebates before you purchase! When you make a purchase, Ebates credits a percentage of your purchase back to you. You will also earn an automatic $5-$10 when you sign up, and you can earn additional cash bonuses for referring friends. You can even earn cash back in-store through a linked credit card, as well as with the Ebates VISA card. Money is paid via “Big Fat Check,” quarterly.
Another great app is Dosh. Like Ebates, it is a merchant referral service. However, unlike Ebates, you do not have to shop through their particular app in order to get credit. Instead, you automatically get cash back whenever you make a transaction with a credit or debit card that is linked to your Dosh account. While Dosh does not currently have as many retail affiliates as Ebates, the number is increasing pretty rapidly. In addition to receiving a percentage of your money back each time you make a purchase with a participating retailer, Dosh also offers sign-up and referral bonuses. While Dosh also pays cash back much more quickly than Ebates, one thing to keep in mind is that you have to accrue at least $25 to request a payout.
Lastly, an app I have only recently learned about is GetUpside. This app pays cash back on gas, grocery, and restaurant purchases. To utilize GetUpside, you download the app and then search for the best deals on gas, groceries, and restaurants nearby. When you find an offer you like, you claim it via the app, make the purchase with any credit or debit card, and snap a photo of your receipt(s). Once you’ve earned cash back, you can cash out whenever you want via PayPal, e-gift card, or check.