Savings Tips

  • Introduction
  • Maximize Savings
    • Follow Sales
    • Coupons
    • Apps/Sites
    • Payment Cards
    • Scanning Receipts
  • Other Savings

For more Financial information, see: Financial Talk, Extra Money Tips, and GPT Test Items.


Introduction:

I literally take advantage of every possible bit of savings available before, during, and after every transaction. In the sections below, I explain the different options that I use. It’s in order, starting from before the transaction until after. It may take longer, but it’s worth the extra money that is saved. There are a lot of different scenarios, so it can get complicated. Don’t get overwhelmed. Just do what you can and develop your own ways to save. Every little bit helps.

I have listed the amount I have received so far next to the company names below. I try to keep it updated when I can. Everyone’s results will vary accordingly. Where I fall short, you may excel and vice versa. Also bear in mind that I’m in Pennsylvania USA, using an Android phone and a Windows 10 laptop. Some apps may not work for you due to platform, location, etc.


In the sections below, I listed the ways I have used to help save money. If you try any of the companies mentioned here, please use my referral links and codes. We both may receive an incentive. That alone, is a huge help to me. Thanks!

Maximize Savings:

The key is to combine as much as possible to make the most of your money. But honestly, every little bit you can do helps. Start with what you are comfortable with.


  • Loyalty Programs. Save at the time of sale and on future purchases.
  • Follow Sales. Check ads and sites. Keep track of the best deals.
  • Coupons. Paper, digital, codes, and more.
  • Gift Cards: Buy them at a discounted rate.
  • Cash Back Apps/Sites. Third party offering cash back.
  • Cash Back Payment Cards. Most bank cards do this anymore.
  • Scan Receipts. I have about ten apps that I scan my receipts with.
  • Rebates. Always look for these. A lot of times, you can do them online.

Follow Sales:

Sales generally rotate each week. One week I will stock up on tissues and dog treats, then laundry detergent and shampoo.

* Get sales ads in the newspaper.
* Check the sites of your favorite stores, and sign up for emails.
* Follow couponers who provide tips. The Krazy Coupon Lady app is a great reference.

Coupons:

There are all sorts of coupons including printed, digital, manufacturer, store, coupon codes, and so on. To get the best results, I would recommend learning the rules for each store, the different kinds of coupons/ deals available, and what can be combined.

***Expired manufacturer coupons can be used by our overseas military, for up to six months past their date. You can mail them directly or send them to the Support Our Troops: Troopons Program. There’s some guidelines to this that I found on their site, so you really want to review it first.


  • Subscribe To Newspaper. They run specials for weekend delivery.
  • $1 Papers at Dollar Tree. There’s a limit of 3 per day, Sat & Sun.
  • Digital Coupons. Clip (save) them on their site/ app.
  • Kiosks. Some stores, like CVS, print special coupons in store.
  • Manufactures. Several have a printable coupon section on their site.
  • Third Party Sites. Print manufacturer’s coupons from sites like Coupons.com.
  • Magazines. They often have coupons and samples tucked inside.
  • In The Mail. I’ve contacted 100+ companies, and found very few will send any. But, I did manage to get a few high value coupons and samples.

Companies That Sent Me Coupons Via Mail: Blue (dog food), Bush’s, Celestial Seasonings, Chicken of the Sea, Daisy, Frito Lay, Hostess, Hungry Jack, Jif, Juicy Juice, Kellogg, Maruchan, Ocean Spray, OnCor, Quaker, Seventh Generation, Tyson

I also received samples from Degree deodorant, Breathe Rite strips, Seventh Generation detergent.

Cash Back Apps/ Sites:

Verify all of the requirements needed to receive cash back. Also, keep track of when you are paid. I placed a few online grocery orders before I realized I wasn’t getting paid and it was my own fault.

  • Paribus
  • Rakuten

  • Paribus:

Paribus will scan your email for late deliveries, notify you, then help you to get your cash back. You can even do this if you have Prime.

I’ve used it on a few Amazon orders and received $13 back in Amazon credit.

  • Rakuten (prev. Ebates):

Rakuten gives you a cash back percentage when you shop at certain stores. You can either use their site, app, or extension. Your cash back accumulates on your account until you have a balance of $5 to cash out.

I used to use this a lot more often, but they stopped paying for Amazon and a few others that I shop at. So far, I’ve cashed out $11.

Ref Code: 44753.

Cash Back Payment Cards:

A lot of cards give cash back on purchases anymore. I actually get a decent amount back, but then I make a lot of purchases on Amazon. I get most of my money back already for my items, plus cash back from my cards.


  • Capital One/QuickSilver Credit Card:

I’ve used Capital One for several years and never had any problems with them. When you apply using my referral link, I will get an incentive. Thank you!

Scanning Receipts:

I save every single receipt, scan them with several apps, then log them in my budget spreadsheet. It takes very little time, and I get money back. So far this year, I’ve received $175+ in cash back using the following app and a few more I haven’t listed yet. The amounts listed below do not include my current pending balances. Over time, I’ve learned to wait to cash out because the payout is usually higher.

A few things to remember: Make sure you scan them before they have expired. Also, be sure to capture all of the required information when you scan your receipt.

  • Coin Out
  • Fetch Rewards
  • Ibotta
  • Inbox Dollars
  • National Consumer Panel
  • Receipt Hog
  • Receipt Pal
  • Swagbucks

  • Coin Out:

I scan every single receipt through CoinOut, and also email them my digital receipts as well. They give you random amounts for each one, and there is a daily scan limit. There is no minimum cash out amount, if you get an Amazon gift card or bank transfer. Otherwise, it’s a $10 minimum to transfer to PayPal. You can earn a $1 incentive if you let your balance hit $20, which is what I’m working on now.

Besides scanning receipts, you can also shop through the app for cash back, enter a contest, sign up for offers, and more.

So far, I have received $23 back.

Please use my referral code: TAYT94E.

  • Fetch Rewards:

Fetch Rewards lets you scan receipts, and also checks your email for digital receipts.. They have a minimum cash out of 3,500 points, which is $3.

This has been great for getting cash back from my Amazon purchases. I just added my Giant Direct as well. I’ve cashed out $41 so far.

If you want to try them out, please use my referral code: E4HFT.

  • Ibotta:

With Ibotta, you add the offer on the app, then scan your grocery receipts and then the items that you purchased. You will get cash back added to your balance. They have a cash out limit of $20.

Besides scanning your receipts, you can also get cash back from online shopping and buying gift cards.

I’ve earned $43.35 so far from this app. I’ve seen others making a lot of money back, if you do this right.

Now that I’m a lot more active with Ibotta, I’m inviting everyone to join my team for even more savings. You can use my referral link, referral code “N32FQ“. When you do, I receive $10. We then work together towards more cash bonuses. Thank you!

  • Inbox Dollars :

Inbox Dollars is now taking receipts, but it doesn’t seem to work well for me. They are in a beta mode from what I was told.

This is also listed on the Extra Money Tips page, under Surveys.

  • National Consumer Panel :

National Consumer Panel is slightly different. Instead of scanning your receipt, you scan each of your items. You will need to enter things like the price, if there was a sale, total receipt amount, if you used a loyalty card, and method of payment. They also accept things that are unable to be scanned, like take out and Amazon purchases.

NCP also has surveys to complete either on the app or online.

I couldn’t find any referral information, but still wanted to share since I just cashed out $25 from here.

  • Receipt Hog :

Receipt Hog has a minimum cash out of 1,000 coins, which is $5. Keep an eye out for an occasional survey too.

I’ve made $30 back from this one so far.

There is no referral information to share. Last I checked, they weren’t taking any new members.

  • Receipt Pal:

You can scan most receipts with Receipt Pal. They also have sweepstakes that you automatically get entered in. They also give you bonus entries.

So far, I have cashed out $35 in Amazon gift cards.

If you sign up, please use my referral code: PPTWMPZJ

  • Swagbucks:

Swagbucks has a section each for clothing, Hallmark, and everyday receipts. They need to be scanned within 14 days.

I’ve made $14 with Swagbucks.

Try it with my referral link.

Swagbucks is also on the Extra Money page, listed under Surveys.

Other Savings:

I look for every possible savings on every day bills, shopping, and random things. Below is a mix of sites that you can save a few bucks on.


  • HP Instant Ink: Ink Replacement

HP Instant Ink monitors your printer’s ink levels and send you cartridges when you run low. They have a few different plans depending on how much you print. I have been using them for several years with my wireless HP Envy 4500, changing plans accordingly. Right now, I have the FREE plan, which allows up to 15 pages a month. I get charged $1 for each additional 10 pages. So, when I go over my pages, I still stay below the next plan’s price. I also still get ink cartridges sent to me whenever they notice I’m running low.

If you use my referral link, YOU will get a FREE month of printing. I’m supposed to get a free month too, but it’s already free for me.

  • Metromile: Car Insurance

I rarely drive, so Metromile makes perfect sense. I pay around $34 a month for two vehicles, with bare minimum coverage. This includes a base rate for each, plus miles driven. They respond quickly and are helpful.

If you get a FREE quote with my link, I will get a $25 gift card. Thank you!

  • Wish: Super Cheap Shopping

Wish has pretty much a little bit of everything. You can use coupon codes to save even more money. Shipping can be more expensive and take longer, but honestly the items I order are never a rush anyway.

When you use my referral code HZVSDYJ and make a purchase, I will receive $5. Thanks!

  • WordPress:

This site is powered by WordPress since 2011. It’s just a few bucks for my site. I’ve spoken to them through chat and they have been helpful.

If you use my referral link, we both may receive $25.


For more Financial information, see: Financial Talk, Extra Money Tips, and GPT Test Items.


If you try any of the companies mentioned, please use my referral links and codes. We both may earn an incentive. That alone, is a huge help to me. For more information, see the FAQ’s and About Me page. If you have any further questions or need assistance, Contact me. Feedback is also appreciated. Contributions accepted via Venmo and PayPal. Thank you!


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