Whenever I sit down to work on my budget, I always "plan" to put money in my savings account each paycheck. Unfortunately, that usually lasts about a month, then I think about how I could've used that money for a bill.
A friend of mine told me about Digit and how it analyzes your bank account activity then makes small withdrawals and deposits them in your Digit account. You can change how aggressive you'd like to save and even save a set amount. So far, I've saved $245.20 without even feeling the pinch. And transferring your savings from Digit back into your checking account is as easy as a text message.
Another easy way to save is with Acorns investing app. This program rounds up your change from your checking account transactions and invests it. I've saved about $90 but with investments and found money, my account is at $105.98.
Groceries - You Gotta Eat, Might as Well Save
I'm all about getting some cash back, especially when I'm grocery shopping. And the best part is that you can submit receipts to multiple apps. Just download the app, select the items and scan your receipt!

What I like best about mobiSave is there is no minimum cash out amount. Once you submit your receipt, the amount is deposited into your PayPal within 24 hours.
There is a $20.00 minimum to cash out to either PayPal, Venmo or to a featured gift card. iBotta works best with teams. The bigger your team, the faster and easier it is to finish Teamwork levels.
You also earn an extra $10 when you sign up.

What I like best about mobiSave is there is no minimum cash out amount. Once you submit your receipt, the amount is deposited into your PayPal within 24 hours.
There is a $20.00 minimum to cash out to either PayPal, Venmo or to a featured gift card. iBotta works best with teams. The bigger your team, the faster and easier it is to finish Teamwork levels.
You also earn an extra $10 when you sign up.
Need referrals
I need referrals for Zipnadazilch. You don't pay a dime and I will help you through the process.
Click here to sign up
Click here to sign up
Work from Home... Or Anywhere!
Have you ever just wanted to quit running in the rat race? There comes a time in your life that you're tired of working hard only to make someone else money. Take control of your paycheck and make the money for yourself where you decide how many hours you put in and how much money you make.
I can get you started and on your way working for yourself!
I can get you started and on your way working for yourself!
Ibotta My Groceries!
Everybody buys groceries, some of us more often than others. Why not get paid for items you were already going to buy? I downloaded the Ibotta app to my iPad, made my shopping list, and started earning cash back. Once you're finished shopping, snap a copy of the receipt, and Ibotta will take it from there. I've already cashed out $23.00 to my PayPal. Give it a try and I promise, you'll be hooked on cash back.
Peer-to-peer Lending
Ever get to that point in your life where you just need a little boost to your finances? Let Prosper find the right loan for you. Prosper uses a bidding process to get you competitive rates. Click the link and sign up today to get an offer you can't refuse.
Amazon Prime...Not Just Free Shipping
Sign up today and try it. I'm pretty sure you will love it.
Cash Back and Coupon Codes!
Getting back to survey sites and cashback shopping. I've definitely been missing my extra cash floating around. So try a few and let me know what you think. What are some of your favorite sites?
Springboard America wants to know what you think! Join Springboard America
Snakes and Snails and Puppy Dog Tails
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| Mollie & DooDoo Butt |
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| Walden waiting for surgery |
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| Mollie after being bit by snake |
Mollie is 100% better and running around like nothing ever happened. Hopefully, she won't stumble on any more snakes. I think next pay check, I'm going to tell myself not to expect any leftover money and maybe it will just find me instead. All in all, I wouldn't have changed anything. I love those pups!
Making Money with Bee4.biz
Here is my referral link to the Bee4.biz URL shortner and link locker. What this site does is shorten any URL and adds a survey to the link. Once a user completes one of the surveys, the site then continues on to the link you provided. You earn money for active leads as well as referrals. I just joined this site and will keep you updated on any earnings.
Yodlee Yoda Lay He Hoo
Last month, I stumbled across some Personal Financial Management programs and decided I would test them out. Finally, a whole month has passed and I've decided on just one. It worked out great that the day I started was the first day of my new bank statement which means I actually have an entire month's worth of data. I chose three programs to test, Mint.com, Wesabe, and Yodlee's MoneyCenter. Each one of them had benefits over the other, and also a few disappointments. My main reasons for choosing these three to test are (1) they're free, (2) they link to financial institutions without having to import data, and (3) there are no advertisements.
So far, the most functional program is Yodlee's MoneyCenter. I can link to any account that I have online access, except one credit card and they are working on getting it added. I love being able to see all my bank accounts, all my credit cards, my bills, and even my PayPal account on one page. They are grouped by types so I see available cash in one section and my debt in another. One nice feature is the Financial Calendar that shows what bills are due. It makes a big difference seeing your bills in a calendar format versus a list. It gives me a better sense of how much I need to pay when we get paid, or should I say how much money I will have left from my paycheck. The biggest drawback with Yodlee is it is not visually appealing. I know most people don't like all the bells and whistles and the pretty graphics, but I feel if it's possible to make it pretty, then "why not" make it pretty. I guess it's my little way of not feeling so down and out about my debt. Hopefully, Yodlee will work on adding some nice graphics.
So far, the most functional program is Yodlee's MoneyCenter. I can link to any account that I have online access, except one credit card and they are working on getting it added. I love being able to see all my bank accounts, all my credit cards, my bills, and even my PayPal account on one page. They are grouped by types so I see available cash in one section and my debt in another. One nice feature is the Financial Calendar that shows what bills are due. It makes a big difference seeing your bills in a calendar format versus a list. It gives me a better sense of how much I need to pay when we get paid, or should I say how much money I will have left from my paycheck. The biggest drawback with Yodlee is it is not visually appealing. I know most people don't like all the bells and whistles and the pretty graphics, but I feel if it's possible to make it pretty, then "why not" make it pretty. I guess it's my little way of not feeling so down and out about my debt. Hopefully, Yodlee will work on adding some nice graphics.
The most visually appealing program is Mint.com. I absolutely love the layout, especially the Accounts page. Each account has its own trademark displayed...very professional I think. I love the Spending Trends, it has a very detailed breakdown including how many visits you made to a particular merchant. Made me realize just how often we visit McDonald's. Another great feature is my budget. It is displayed on the Summary page with a bar graph showing how close you are to going over. I bet you can guess that mine is always close to being over. Unfortunately, there are a few drawbacks though...I can't add my mortgage account, a few credit cards and my monthly bills. Another problem I see with Mint.com is the program doesn't allow you to create your own categories, but you can add labels. There are also a few bugs, like duplicate transactions, to be worked out before this program can be useful. Hopefully, Mint.com will make some changes and offer an updated version.
I also tested Wesabe, but unfortunately I never could get the Desktop Launcher to work correctly. Maybe it will work for someone else. I did import my bank data to test it and it had a few neat features, especially the automatic suggestions from other users. But it just didn't help me accomplish what I set out to do this month. Maybe another time. (Wesabe has closed down since this article was written.)
So for right now, until something bigger and better comes along (oh yeah, and prettier), I will be using Yodlee's MoneyCenter to access all my financial accounts. Now, if I can just find a program that will do all of this and be able to actually use it, like transferring money from one account to the other. That would be the ultimate.
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