1. They Live By The 30 Day Rule
This is easily the one rule to live by if you want to be a frugal living person. So when you WANT to buy something but don’t NEED it, wait 30 days after you think of wanting it and then decide if you still want it.
Whether it’s a new TV, purse, phone, etc. This will save you a lot of money in the long run!
2. They Take Advantage Of Easy Wins
Swagbucks allows you to make money without a job just by watching videos, searching the internet, and playing games online.
If you’re doing these activities anyway, why not make some money at the same time?
And here’s a pro tip for earning money watching videos: turn off your computer’s sound, open a new tab, and keep the videos going in the background.
You can earn up to $90 a month watching videos this way through Swagbucks!
=> Click here to sign up for Swagbucks for FREE & Get a $5 Bonus
3. They Do Easy Couponing
It pays to keep a copy of your receipt every time you go shopping. That’s because a popular cash back app called Ibotta will reward you for taking photos of your receipt. The app scans your receipt for deals and then instantly applies cash back to your account. It works with a ton of retailers, from Walmart to Costco, so there is no shortage of stores you could be earning cash back from.
People are getting a ton of cash back:
One more way to save money? We are completely obsessed with a new feature on the Ibotta app that allows you to actually pay right on the app at a huge number of stores and restaurants including Applebee’s, Bed Bath & Beyond, Lowe’s and more and get cashback instantly. Yup, no more waiting, no more saving receipts!
To help you get started, Ibotta is offering a massive $10 bonus for new users! This one is essential.
4. They Are Always Improving Their Finances
Ever get to the end of the month and not have enough money to buy groceries? A huge way to make sure that this never happens is to get an easy side hustle going where you can make a little extra money on the side when you need it.
With Survey Junkie, you can earn money completing surveys from recognizable household names. Best of all, the cashout threshold is just $10 (1,000 points) so it’s easy to always have money coming in quickly. That extra cash can be huge if your budget is feeling a little tight.
Sign up for Survey Junkie here and start earning money for completing surveys
5. They Get cashback swiping there debit card
Once I started earning cash back on a few things, I made it my mission to earn cash back on literally everything I buy. I found Drop which allows me to earn points to put towards gift cards for practically everything I buy on a debit or credit card.
Every store you can imagine is eligible for points — I’m talking Sephora, Aerie, Zara, Whole Foods — all of the stores I shop at the most.
I earn points automatically because I’ve linked my debit card, so I don’t even need to think about it.
I trade in my points for free gift cards to places like Starbucks or Amazon, which is basically cash in my mind. This has meant more money is freed up in my monthly budget.
Use the promo code MoneyManual to cash in on 1,000 points right now.
6. They Get Cashback Shopping
Ebates is a popular shopping app that issues cash back for shopping at popular online stores (and a few local stores). It’s one of my personal favorite shopping apps and makes mobile shopping both seamless and rewarding.
Sign up for Ebates right here and receive a bonus $10 (+ cashback percentage) after spending your first $25 through Ebates’ links. It’s completely free and easy to earn cash back on each of your purchases.
7. They Don't Have Debt
The Mint app is sweet as a nut, and the best part is that it doesn’t cost a dime. Mint is accessible both through desktop and mobile apps, and it makes the art of laying down budgets a cakewalk. However, it just doesn’t stop at budgets as this app can help you in debt payoff too. Apart from the crystal clear portrayal of debit and credit sides, the Mint app has a “Goals” feature where you can set your objectives towards debt payoff.
You can be as specific as paying off credit card debt, student loans, mortgage and all other debts as well. Link your bank account with Mint (just ones you want to pay it off with), and set your goal accomplishment date. Mint will track your ins and outs and give you insights about how long it will take to pay off debt, how to speed it up etc. Mint is available on the desktop too, it’s free and it’s fab.
8. They Improve Their Credit Score
From higher interest rates on student loans to being unable to rent a campus apartment, a bad credit score can end up costing you a lot.
Want to find out your credit score so you can figure out if it is costing you money? Sign-up for Credit Sesame and check your credit score now. It only takes 30 seconds. Credit Sesame will start monitoring your credit score for you so there are no more surprises. It is 100% free to join so you have nothing to lose.
Sign-up for Credit Sesame today and stop letting your credit score cost you money every month.
9. They Always Look To Cut Costs
I have signed up for so many trial subscriptions over the years and totally forgotten to cancel them on time (my fault I know) and ended up getting charged. It’s so annoying.
Well, I’ll never make that mistake again thanks to Truebill. Once I signed-up and got connected I was able to see all of my upcoming bills and recurring subscriptions in one place.
That’s when I realized I was paying for Hulu every month because I had signed up for a free trial months ago to watch an episode of Real Housewives (don’t judge).
I was able to cancel it on the spot, along with a gym membership I’ve only used a handful of times.
Truebill doesn’t stop there when it comes to saving you money. You can also have them negotiate bills on your behalf like your phone bill or cable TV bill (on average people save $96 a year per bill this way).
The average Truebull user can save up to $720 a year and I’ve already saved a ton!
10. They Organize Their Finances
We consider Status one of the most useful money tools for a few reasons: It brings all of your accounts into one place so you can monitor how much money you have coming in and out all in one place. It lets you know how you are doing compared to your peers as far as your spending, debt, credit score and income are concerned. It even makes cash flow projections for you!
But here is the real kicker…Status will actually pay you to get control of your finances.
As you use Status, the app will make recommendations for ways you can improve your finances, save more, spend less — you get the idea.
When you act on Status’ recommendations you earn cash rewards. You get $5 immediately for signing up, $1 for linking your credit report so you can monitor it, $1 for linking your first bank account, $20 for consolidating your debt…the list goes on and on.
There’s no limit to how much you make and you can get the money wired to your bank account as soon as you hit the $10 mark.
You should want to get control of your finances no matter what, but the fact that there is a way to get paid for doing it makes it all the sweeter.
Did we mention that Status is completely free? Sign up to Status now and start earning cash rewards just for being smart with your money.
11. They Are Growing Money They Already Have
People are always talking about how important it is to invest money, but it can be impossible to know where to start. Plus, it’s not like you have a bunch of money lying around to invest with.
A good place is to start investing in the legal cannabis industry. It’s an industry that is projected to blow up in the next few years with retail sales expected to hit $10 billion this year and $24.5 billion in 2021 per Fortune*
With the micro-investing app Stash you can start investing with as little as $5. It only takes two minutes to sign up and Stash has a curated selection of 200 plus stocks and Exchange Traded Funds to choose from. They’ve made it incredibly easy to get started — including with investing options in the legal cannabis industry.
We are giving everyone $5 to sign-up now and get started!
12. Always Saving Money
You know that feeling when you find a $5 bill in your back pocket? Imagine that but with $1,000 in your bank account. Digit let’s you do exactly that.
Digit is an app that helps you save money without trying. Unlike other savings apps that make you set a savings schedule (who can commit to that!), Digit analyzes your spending habits then automatically transfers money you don’t need that week to your savings. You create a “savings goal” – Spring Break maybe – and Digit takes care of the rest.
To top it off, your first 30 days of Digit are completely free!