Category Archives: Financial

Mission to Extreme Couponing

I’ve been flip flopping with coupons over the years. I don’t mean using some coupons here and there to save a few bucks. I mean the legit couponing, where you pay virtually nothing. When I used them religiously, I did fairly well. But certain things have caused me to fall off the wagon.

There was a time when I clipped every coupon. I got the big hot pink binder to file them and a smaller one to take to the store. I wandered through the aisles, attempting to follow my list, while checking deals, and fumbling through a binder full of coupons. No matter how prepared I thought I was, it was very overwhelming for me and I could never manage it properly. I get confused, forget to use a coupon, or get stuck calculating if it was even worth using. By the end of the shopping trip, I saved very little, was super stressed, and didn’t even buy all the things I needed. I ditched the binders and used a small envelope organizer. That didn’t help at all. Eventually I realized it was causing me way too much anxiety. From then on, if I managed to use a coupon I would just appreciate the savings.

Sometime later, I started using the Krazy Coupon Lady site/app. It really helped me a lot, giving me some guidance to get a handle on the process. KCL shows you where to find deals, coupons, policies, etc. I was getting about 20 packs of newspapers every week. I focused on CVS since it was the pharmacy I used, it was familiar to me, and they always had decent deals to begin with. I made my list of items with notes, got my coupon stack, and went shopping. I actually was able to get nearly all of my items for free. On some trips, they even paid me.

This was a wonderful thing…when it worked. A lot of times, I would sabotage myself by screwing something up or getting side tracked. The store would be out of an item and I’d have to rethink things, then my anxiety would take over. I ended up slacking off. Then there was no CVS where I moved to. I have a Rite Aid, but never really attempted it there. Or anywhere else.

I’m tired of seeing $300 grocery shopping bills. It’s out of control. I do buy a decent amount of stuff to stock up and fill both of our refrigerators, freezers, and pantry. But still, this is a huge amount of money when I know for a fact I could save more.

I am on a mission to be a for real couponer. I save money literally everywhere else on our household budget. I’ve done some research and made some notes. I already do the majority of the following, but I do need to start contacting companies and purchase more papers. Let’s see how much I can save going forward. I’ll be keeping a closer eye on this.

  • Newspaper inserts.
  • Get extra newspapers from Dollar Tree for $1 each.
  • Print coupons from the manufacturer’s site.
  • Reach out to companies to send you coupons.
  • Use apps for cash back.
  • Use store loyalty programs.

For more ways to save money, visit the Financial Tips page.

Advertisement

Paribus

Paribus helps you save money while shopping, and even afterwards. It’s affiliated with Wikibuy, which is part of Capital One. If you download the Wikibuy extension, it will check for coupon codes and the best price when you’re shopping online at certain stores. I’ve used it a few times to find the best deal.

Paribus also keeps track of your deliveries. When something arrives later than promised, Paribus will contact you advising that you may be eligible for compensation. I’ve done it twice this month. I often forget about this part since I’ve never had to utilize it, until recently.

My last two shipments from Amazon were late. The first one was slightly disappointing because I was looking forward to my new vacuum, but no big deal. The next day, I noticed that Paribus sent me a message. This directed me to their site to view the late delivery. They said I could contact Amazon via chat, while providing the link to do so. They even gave me the exact wording, including my order number. All I had to do was copy and paste the information into the chat. I received a $5 credit right away. They made it extremely quick and easy. I would guesstimate a few minutes total between receiving the email from Paribus and receiving a credit from Amazon. This happened again on another shipment and I was given $3 for that one.

I haven’t been able to locate a referral link or code to provide, but it’s still definitely worth sharing. Try it out https://paribus.co.

For more like this, see the Financial Tips page.

Metromile

I really dislike paying for car insurance. I completely understand the concept and it’s fabulous. My issue, is that I rarely drive so it seems ridiculous to pay so much money for it.

Months ago, I did multiple quotes online and spoke to others on the phone to get the best rate. The lowest I could get was about $60 a month through Root. So I tried them out for the six months and watched their rate increase to over $70 a month. Just before my policy ran out, we had purchased a second vehicle. We needed a backup but I cringed at having to add it to the insurance. I looked into it some options and managed to find a few companies that offered pay per mile plans. This was perfect!

After some research and quotes, I ended up signing up with Metromile. I chose the most basic coverage, state minimum. We are now paying a base rate per vehicle, plus the per mile rate. That ended up being $12.30 for the car and $18 for our truck. I had to pay the base rate up front for six months which was just over $100. Once you are set up, they send you an OBD reader so they can track your miles.

I just received my first bill after trying them for a month. It was $32.52 total, minus what I prepaid. So, I only owed $1.63 for the miles I drove. Now, that is even more fabulous. Not to mention, they also give me an Amazon gift card for each referral that I send them.

Want to save money on your car insurance?
Get your free quote from Metromile pay-per-mile insurance using my referral link http://fbuy.me/pkVrx.

For more savings like this, go to the Financial Tips page.

Amazon Mechanical Turk (MTurk)

Amazon is affiliated with so many things, but I recently found out about this.

Per their site: “Amazon Mechanical Turk (MTurk) is a marketplace for completion of virtual tasks that requires human intelligence. The Mechanical Turk service gives businesses access to a diverse, on-demand, scalable workforce and gives Workers a selection of thousands of tasks to complete whenever it’s convenient.”

Basically, you get paid small amounts to do small tasks. This includes things like surveys, extracting receipt information, provide search results, pulling info from a site, rate pics, and so on.

I would love to share a referral link for this, but I’m not able to locate anything. If you would like to try this, visit https://www.mturk.com/get-started. If you have an Amazon account, it is the same login info. You can also choose to be paid via Amazon gift card. I’m scheduled to get my first payout of $8.39 this Thursday. My goal is to have a higher payout next time around. I created a reminder to make sure I log in daily and complete a few tasks.

For more sites / apps like this, see the Financial Tips page.

Cash Back From Receipts

If you know me, you know that I save every single receipt for every single thing. I record them for budgeting purposes. I also use several apps to scan them to get money back. It doesn’t take very long at all to scan them. The points add up and you can cash them out for a gift card or deposit.

A few key points in general:
Scan your receipts right away so they don’t expire.
Don’t crumble them up or they may become illegible.
For up to date information, see the app or site itself.

I have listed below all of the apps that I have successfully received money from.
This information can also be found on the Financial Tips page.


COIN OUT

Current Cash Out To Date: $22.79
This app allows you to scan pretty much any receipt. It gives you a random amount of money for each one. One receipt may get $0.01, while another gets $0.13. You can also email them your receipts for same day purchases. They have cash back for purchases and “badges” that you can click on for additional offers.
* Referral Code: TAYT94E
* Referral Link:  
https://coinout.com/referrals/new?r=TAYT94E

FETCH 

Current Cash Out To Date: $31
This app only lets you scan certain receipts via app. Offhand, I can tell you that it doesn’t accept take out like McDonald’s. When you used my referral code or link, we will each receive 2k points when you scan your first receipt.
* Referral Code: E4HFT
* Referral Link:
https://fetchrewards.onelink.me/vvv3/referralsocial?code=E4HFT

RECEIPT HOG

Current Cash Out To Date: $25
Receipt Hog seems to take every receipt. You get points, slots chances, and sweepstakes entries. It also scans your email for e-receipts.
Referral Info: Per RH, they discontinued referrals due to approaching max capacity.

RECEIPT PAL

Current Cash Out To Date: $25
This app also seems to take most receipts. Each card that is filled up equals 100 points. You also receive sweepstakes entries.
* Referral Code: PPTWMPZJ.
* Referral Link: https://app.adjust.com/oqlq9t9?label=PPTWMPZJ


Try them out and let me know what you think. I’m always looking for feedback, as well as information on any apps you have used.

YouGov Pulse

I’ve been working on getting more companies added to the Financial Tips page whenever I have a moment. YouGov Pulse VPN seemed to be a great one to add next. It’s an app that just runs in the background of your phone. Once in a while, I get a notification to reconnect it. Somehow my phone drops off. I think it’s because I have another similar app running so they are conflicting, but it hasn’t affected my earnings.

That’s literally all you need to do to accumulate points. I also receive emails on occasion to take a survey. They aren’t too lengthy and they pay out a decent amount of points. Since I’ve downloaded this, I’ve made $15. That’s pretty good since the most I do is a random survey.

Try it out with my referral link below and let me know what you think.
When you sign up and complete 4 surveys, we each get 2,000 points. https://today.yougov.com/refer/WktHlJgHs8IR26fxWx8YPA/

For similar apps that pay out, see the Financial Tips page.

Giftloop

This app has quickly become one of my favorites. You can make a few extra bucks doing quick tasks with little effort. The “coins” accumulate fairly quickly.

Giftloop has a continuous loop of screens that you swipe through. As you swipe, you come across several cat memes that you click on for 5 coins. In between the cats, there are also short videos to watch for 50 coins. You can complete offers, trials, install apps, take surveys, and more. They have a daily login bonus, along with other daily bonuses. For example, there’s a daily bonus for taking a survey. So, you get the coins for the survey itself, then collect an additional 750 bonus coins.

I have made $35 in Amazon gift cards since I’ve started using this app, near the end of last year. That’s not bad since I primarily just watch the videos, do an occasional survey, and collect my 5 coins whenever the cats pop up. Oh and I always have my phone set to collect coins whenever it’s charging. I would have cashed out more but I rarely complete the offers, apps, and trials. Since I’m really not testing out as many apps anymore, I think I will be using this one a little more often.

If you’re interested in trying Giftloop, use my referral link & let me know what you think: https://app.giftloop.co/r/93WYDMW.

For more apps like this, see the Financial Tips page.

MobileXpression

Per their site, “MobileXpression is a market research panel designed to understand the trends and behaviors of people using the mobile Internet.”

I love this app. I always brag about how easy it is to use and to make a few extra bucks. It takes very little time. You just install the app and let it run in the background of your phone. If I recall correctly, there is a security setting that you need to adjust for it to track properly. Once a week, I click on the app. It verifies that it is connected, then I collect my five points. That’s it. I’ve actually made $35 in Amazon gift cards, since the end of 2019. The amount would be higher, but when I first signed up I would always forget to click on it each week. Now I set a reminder for myself.

As much as I would love to provide a referral link or code, there isn’t any available. If you are interested in trying the app, I can send you an email. Although, I don’t know if there are any benefits for referrals. There is an affiliate program, but I haven’t signed up for it. You can also go to your app store, or their site to sign up at https://www.mobilexpression.com/About.aspx.

Try it out and let me know what you think, or if you have similar apps that you have used successfully. I am always looking for feedback.

For more apps similar to this, see the Financial Tips page.

Mistplay: Games That Really Pay

I had already mentioned Mistplay here on my site in the past, but I really didn’t have a lot of information listed on the Financial Tips page. I just updated this, but I felt the need to spotlight it as well.

Mistplay is a gaming app that you would play games on.

The process is simple:
* Choose the game that interests you.
* Download via the app.
* Open the game and play.

Usually, you will need to adjust security settings so that the app can track your activity. If it doesn’t seem like you are accumulating points, check your phone’s settings.

This has actually become one of my favorite apps, surprisingly. While they are fun, I’m usually not a fan of playing video games. This is only because I feel it wastes a lot of time and I always need to be productive. This particular app has proven to very productive for me. I have made $70 in Amazon gift cards since I’ve started using it, less than a year ago. I’m about to cash out another $10.

Use my referral link to get a bonus 50 points. Let me know what you think.

Everyone’s results will vary. For the most accurate up to date information, see the individual company’s site/app. I’m in PA, US, using an Android phone and Windows laptop to access above mentioned. My only affiliation is that I have personally used these companies and share my referral links, which may pay an incentive.

My Points App

I just added My Points to the ongoing list of places to make a few bucks.

They’ve been around since 1996. I’ve been using the site since 2010. Back then, there was no app. I used to get tons of Barnes & Nobles gift cards just by clicking on emails and a few other quick tasks. Then I forgot about the site for a while, until I recently started using it again. Otherwise, my lifetime points would be much higher than 8,114.

Points don’t seem to accumulate as quickly as they used to for me, but it’s still worth it. It only takes a few moments to complete a few tasks like taking surveys, playing games, shopping via the app, clicking on emails, and more. Since I started using the app, I’ve made $10 in Amazon gift cards so far.

Try it out using my referral link, and let me know what you think.

For more ways to make a few bucks and save money, check out the Financial Tips page.

Small Financial Tips – It All Adds Up

Since everyone has been home looking for things to do, I figured it was a great time to share some of my savings tips and where you can make a few extra bucks. I’ve done the hard part. You can find the apps that I’ve been using on the Financial Tips page.

Scanning Receipts:

One way that I save money is by scanning all of my receipts, which then turns into points and cash. I am currently using five apps that have successfully paid me. I’m also using a 6th app on good faith. I’ve made approximately $105 to date, using this method. Since I’m saving my receipts anyway, I enter all the information into my spreadsheet for budgeting. It’s another one of my projects in progress, but at least all the data is there. It’s been interesting to see it along the way.

Cash Back via Apps/Sites:

Another great way to save some money, is to use the apps and sites that give you cash back. The percentage and time frame varies, but I’ve had success with one company in particular. So far, I’ve received $27.36 back using two apps. Also, check with your credit card companies. They will often give cash back as well. My bank gives a percentage off at certain retailers, while my credit card gives me back a percentage of my spending. I’ve received a decent amount back from this as well.

Playing Games:

My favorite so far, has been playing games. Previously, I was very anti-playing games. Now that I’ve been making money from it, I’ve changed my mind. As long as I can multitask and remind myself that I’m making money, then I can justify it. I’ve actually made $86 just playing mindless games.

Surveys and More:

I haven’t added them to my site yet, but there’s also several other ways to make some money. There’s surveys, which I’m always on the fence with. I don’t mind them and they definitely pay off, but they can be time consuming. There’s also apps that pay you to watch videos, click emails, and have so many other opportunities.

If you’re interested in making a few bucks, then click on my referral links. They are found on the Financial Tips page.

What apps / sites are you successfully using to increase your income?

The Rewards Are The Reason

Sometime soon, I plan to update the Financial Tips page. There’s several more sites to add that I’ve been using. I also realized that I added some that haven’t actually paid me yet. I tend to get side tracked and lose my train of thought. I really want to make a point to separate those that are legit, tried, and true.

That’s the whole point of sharing all this on my site. I’ve experienced not being paid, wasting too much time, contacting customer service multiple times, researching, and so forth. I have been doing the crappy part of the work and discovered what is right for me. Now, those that are interested can partake in the benefits part with me. All I ask is that my referral links and codes are used. Most of the time when you do this, both parties get some sort of extra rewards.

The rewards are absolutely the only reason I do any of this. I honestly never had any interest in playing games on my phone. Except for that time I was obsessed with Dragon Vale for a while, but that didn’t last long. I viewed anything unproductive as a complete waste of time and other things should be done instead. When I learned about being paid to play games, this finally intrigued me. I looked into several apps. One paid me, but then stopped accumulating points. I ran into all sorts of snags, but I have found one that has been pretty decent. It’s called Mistplay. So far, I made $40 and I’m just about to cash out another $25.

I am taking a break from testing out any extra apps at the moment. It’s time consuming and I want to check out a few other things. I definitely need to do more surveys. If you find the right ones, they actually can be profitable. They are a bit of a timed, focused commitment which I struggle with. I will add the ones I have been successful with at some point. My latest endeavor has been testing and receiving discounted and free Amazon items. There’s one site I’ve received several items from, but it’s not always successful. I am working on researching some other sites at the moment.

Are there any apps or sites that you are using to make or save a few extra bucks? Share what works for you and any referral codes you may have as well.

Skullshine Sharing Some Savings

I’m obsessed with saving money and making a couple extra bucks. There’s too many apps out there that will supposedly help. I’ve gone through so much time researching and stressing to better myself financially. I figured it was a good time to begin sharing some of the things I’ve discovered along the way.

As with most things on my site, the Financial Tips page will be updated when possible. For the time being I have listed the companies that I have had the most success with cash back so far. Games, surveys, and much more will be added shortly.

Please feel free to share your experiences as well. Any feedback is also appreciated.

Thanks bunches!

LadySkullshine