8 Apps and Sites That Will Put Cash in Your Pocket

images (30)Are you living paycheck to paycheck? If you’re like a lot of people, your cash barely lasts until the next payday. While a windfall would be nice, it’s not likely. With little effort you can tweak your spending habits and maybe have a few dollars left over at the end of the week. Save a little here and you can spend a little there.

There are many ways to cut spending, save money and make a little extra cash. While each method may bring in a seemingly insignificant amount of change, together they add up to big savings. At the end of the week, you’ve managed to hold onto a good amount of your hard-earned dough.

Here are 8 ways to turn a pinch of technology into some great money-making opportunities:

1. InvisibleHand is a browser add-on. When you shop online it lets you know if there’s something less expensive out there than the item you’re about to buy. It works with Google so that when you Google something, it automatically checks for the lowest prices of that item and alerts you. There prices are real-time, meaning they are the price as of now, not yesterday or this morning. When you’re not shopping, the add-on stays hidden, so there’s nothing in your way. This is a great way to save money!

2. PriceBlink works in the same way as InvisibleHand. It automatically searches over 4000 merchants while you shop to bring you the best deal available. It also has the added feature of alerting you to coupons for the items you’re shopping for now and allows you to keep wishlists for items you want later.

3. GiftCardGranny is a site that sells discounted gift cards. If there are stores you shop at frequently or you are going to make an expensive purchase, buy the gift card at a discount and use it to save money on your purchase. You can also sell gift cards here as well as check balances and search for current deals and flash sales.

4. Coupons.com has hundreds of coupons for all sorts of stuff. Before you buy, see if there’s a coupon for your item. To get multiple coupons, just check each one you want and print them all at once when you’re done.

5. GasBuddy saves you money on your travels. While you’re busy driving around on your shopping trip, GasBuddy will show you which gas stations in your area are offering the lowest prices on fuel. Locals and app users, like you, report to GasBuddy when they see great, low gas prices so the app can let you know.

6. FieldAgent – pays you to do small tasks at local stores such as taking a picture of a display, checking the price of an item or scanning a barcode. They’ll have a list of jobs and you just pick the ones you want to do.

7. ReceiptHog – earn points for uploading pictures of your receipts, from any store, to the app. Redeem the points for cash or donation to a charity.

8. CheckPoints – earn points by doing fun tasks like scanning barcodes of name brand products when you shop, downloading new apps, taking surveys and more. Redeem your points for Amazon or Walmart gift cards or donate them to charity.

And while you’re at it, here’s another way to earn some pocket money.

There are apps that will pay you to review new apps on your phone. Just download, answer some questions and give your feedback. You get paid for each review. When you’re done you can simply uninstall the app so it’s not taking up space or data.

 

4 Ways A Budget Can Pay Off

download (85)What comes to mind when you think of creating a budget? For many people, even the thought of putting one together is unappealing. However, there’s another more positive way to look at budgeting that may surprise you. Budgeting can be a way to gain more control of your finances and empower you to do more of what you want to do in life. So while making a budget does require forethought and discipline-and may require you to reign in impulse purchases-it pays off by putting you in the driver’s seat. Over time, a budget has the power to:

1. Let you decide. When you allocate dollars as part of a budget, you give yourself a chance to be thoughtful about where your money is going and to make adjustments, if needed. For example, if you are shocked by how much you’re spending dining out or buying new clothes, you can curtail spending in those areas. Ultimately, knowing your spending patterns gives you the power to put your dollars toward the things that mean the most to you, and help you reach your long-term goals.

2. Take the pain out of daily decisions. Daily temptations to overspend become easier to navigate when you have a framework and guidance in black and white. Setting a budget equips you with the power to say “yes” or “no” to a purchase without guilt. You’ll be able to see what’s within your price range and get a clear view of how each purchase will impact your savings plan. The more specific your budget is, the better.

3. Make it easier to see the value of every dollar. When you’re cavalier about your spending, you’re discounting the effort it takes to earn money. In contrast, when you consider everything that goes into earning a paycheck, and the expenses you’re incurring for your home, food, clothing, entertainment and so on, you’ll have a clearer picture of your daily financial life. It’s also important to consider the potential long-term benefits of investing some of your hard-earned savings. It’s likely this will you’ll bolster your resolve even more.

4. Help you make larger financial goals possible. Large purchases can seem out of reach when you’re not tracking your spending patterns. Creating a budget gives you a roadmap to follow, making it clear what trade-offs are possible if you’d like to reach your goal sooner.

No matter what your net worth is, a budget can be a useful tool to help you be a good steward of your finances. Your financial advisor can help you examine your spending and recommend investment strategies to keep you on track with your financial goals.

 

4 Mistakes Young People Make And An Easy Way Out

download (84)Defaulting On Loan

The fact that you are out of college with no job, tired and broke. You may have enough reasons to default on your loan. That explains why 26% of American have defaulted on their loan before the age 30. This research comes from Credit Karma and Qualtrics. But the fact that you have no job doesn’t mean you should just sit and whine. An easy way can be to call your card company and negotiate on your loan. Your company will be more willing to sort you out.

Failure To Build A Good Credit Score

The effect of a poor credit rating can’t be ignored. Your credit card history carries everything. Your credit card score will determine if you can not only buy a home, but maintain it. If you will get a car insurance. If you will even get a job in certain states. A good credit card history is the key to your financial life. It is what opens the doors of possibilities for you. But the moment you abuse it, it will have no mercy on your life. So, guard it.

Irresponsible Use Of Credit Card

Being young comes with happy moments such as shopping. You buy everything that fascinates you, even the things you rarely need. It’s like there is no tomorrow. Controlling the things you buy can have a positive impact on your ratings. That is why financial discretion and discipline are essential when one is an adult.

Failure To Understand How Credit Card Works

Most young people rush on taking credit cards without giving much thought to what they are doing. And this is the key to poor score and bad financial habits. Before taking a credit card, one needs to understand the following things. You need to know how interest rate works. Once you get a clue on the works, you can find out how you can negotiate a better deal. Understand the consequences of late payment or default. You never know if they will turn you up to a debt collection agency.

Now that you have figured out the mistakes to avoid, it’s time you learned…

How To Get Out Of Any Debts Quicker And Faster.

If you are in debts, this 4 strategies can help you improve your rating and improve your financial life.

Get A Debt Loan

This is paying a loan using another loan. This may sound scary to you, but here are the benefits of this loan. First, you get a low-interest rate on your credit card. Second, if you have many debts, you can pay them once in one single payment. And since you have a lower interest rate, you pay less. Third, you will be stress-free. Another added benefit is that your rating will improve. Once you are through, they will report a good credit history to your bank. And finally, they will stop those collection calls.

Check Credit Karma Tool And Articles

Sometimes the best thing that you can do is study. Financial education is never taught in college and school. And this website offers a lot more about getting your financial life in control. There are also some great credit repair programs to help teach better financial habits.

Try Shopping With Gift Cards

Majority of companies like Amazon offers you a chance to place your credit card details on their site. What you may not know is that you will end up buying things that you don’t need. That is why gift cards are essentials for two good reasons. First, you save a lot of money on an item than when you could have bought it with a credit card. Because for every item that you buy with gift cards, there is a discount. Second, Gift cards improve your budgeting.

Keep A Tight Budget

Knowing what to buy; the things to buy; when to shop with a coupon or discount: Is called “budgeting”. And most young people are not frugal with their spending. A good budget is essential for everyone. Lucky enough, you can get information about budgeting by browsing financial sites on Google.

 

How To Live Happily Within Means

images (29)In the modern world, the pulls and pressures are more for spending whatever one earns. The consumerism and materialism are the main culprits behind this pathetic situation. Even if an individual attempts to rein in the expenditure within the limit of his/her income, the lifestyle of the people in the surroundings would tempt and induce towards wasteful and extravagant expenses.

The aspirations and inspirations are the two vital factors that influence the human lives. The different combinations of these two elements produce the following three lifestyles.

1. Spend less and Save more – Frugal type where money is given importance.

2. Spend more without concern for the future – an Easy-going type that ignores the future, and

3. Spend and Save diligently – the Ideal type caring for the present and future.

The third lifestyle actually means ‘ Live happily within Means.’ This is applicable for the individual and the government as well. The steps involved in this practical concept are narrated here below.

Aim high. Pursue with a systematic and pragmatic approach. Ambition backed by the right attitude coupled with sincere efforts is desirable, but greed definitely hurts. Work towards the next level sincerely, and Overcome the hurdles and problems patiently. Remember and appreciate the roots and routes that contributed to your growth.

Earn in the legitimate ways. Spend the money, time, power, and materials judiciously to get benefits and assets. Avoid wastes and unwanted expenditures. For example, a person disposed of the car that was less frequently used as the cheap taxi was available on the market. Sold the old furniture and scraps in the household to make money while created more space in his home. Instead of craving for more, managing what is on hand effectively prompts the way for a better future. Set aside a portion of the present income as savings to meet the future and emergent needs. Savings should not be at the cost of health and happiness. Restrict the borrowings to the emergency and the repaying capacity.

Remember to live. Money certainly facilitates but not the end of life. Any right-thinking person would discharge the duties without compromising the joys and pleasures of life. Many people tend to repent later for neglecting the finer moments of life as they remained money-oriented. It’s akin to a situation where two people were busy in bargaining the price for a great painting while a passerby admired the beauty of the artwork. Moreover, help others by sharing whatever is possible as donation, gift, etc.

Human life is a one-time opportunity. Live it fully and usefully.