If I have a coupon, I use it but who has time to search for them? As a working mom, I don’t have time to scour newspapers, circulars, magazines or websites for coupons.
When a friend sent me an invite to join her ibotta team with the $10 welcome bonus, I decided it was worth a look.
I have been using ibotta for the last few months and I have already earned hundreds of dollars in rebates. I don’t just save money, I get cash transferred into my PayPal account! Essentially, Ibotta pays me for the shopping I already do!
Step One: Know your Budget
Analyze all your money: income, savings and money owed. Look closely at recurring payments, one time bills, repeating quarterly payments etc.
Remember to calculate your cost of living expenses for the month. How much do you really spend, rather than what you think you spend.
Find out the total amount of money you owe.
Do you know exactly how much money you earn? Of course you do!
Do you know exactly how much you spend, every month? Maybe not, as well. Spending is a more difficult number to pinpoint.
If you don’t know exactly where your money goes each month, it is probably a good time to think about a budget.
Did you overspend during the holidays this year? You are not alone.
Recent statistics from a National Survey report that 56% of consumers said they spend too much during the holidays.
Over 30% of consumers say they have gone into debt as a result of unplanned holiday purchases. Up to 43% of consumers surveyed say that their holidays are difficult to enjoy due to extra expenses and that holiday finances cause extra stress in their lives.
Here is a plan to wipe out that debt.
Do your teens spend and save their money wisely?
Do they really know the value of money?
Teach them to develop good money habits now, before they leave the nest.
Prepare your teens to enter the workforce as well equipped, Savers and Money Managers.
Read more for five important money lessons to teach your teens now.
Do you have an Emergency Fund yet?
If your answer is No or Not Really, you are in the same position as almost half of Americans.
No one plans to need an Emergency Fund, but it’s important to have one. If you plan ahead, you can avoid serious financial problems by having some money set aside for the unexpected events in life.
Read more to learn about 3 types of funds and why you need them.