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The most useful money saving apps right now. I’ve made or saved hundreds just this year!

Money saving apps are a great way to save or earn some extra cash (or gift cards for things you’d buy anyway).

But I’m picky. When it comes to cash back apps, I don’t want to jump through a lot of hoops.

Right now, these money saving apps are worth my precious time. And I think you’ll find them worthwhile, too!

The Best Money Saving Apps Right Now

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Admittedly, when I first heard the commercials for the Upside app, I was pretty skeptical.

“I got back $200 this month!”

Weeelll…It’s not likely I’m gonna save hundreds of dollars on gas using an app, when I don’t spend that much on gas every month in the first place.

But then a friend of mine recommended it, and told me she really had been getting cash back just using the app…so I finally tried it.

And it works!

It’s so easy!

You just search for the best gas prices right before you stop for gas. Then tap a “claim” button on the app.

Get your gas within so many minutes (you usually have 20 minutes or so), tap another button, and done.

After some convincing, even my teenage boys are using this app.

Sign up for Upside here.

And use code AFF25 to stack an extra 25 cents per gallon bonus on top of the 45 cent per gallon bonus you’ll get for starting a new account.

Fetch Rewards

Fetch Rewards might be my very favorite money saving app. It’s so easy to use, and you can rack up the points for Amazon gift cards in no time.

Well, I do anyway. I shop at Sam’s Club pretty often, and that’s where I earn a bunch of points.

What makes Fetch Rewards so very easy is that all you do is snap a picture of your receipt, and you’re one.

No hoops to jump through. No questions to answer. It’s as simple as that.

I usually empty my purse of receipts while I’m waiting on a kid to come to the car. A few pictures later, I’m done.

Use this referral link and code PEWR4 to start your own Fetch Rewards with 2,000 points towards your first gift card redemption.

Receipt Hog

Usually, while I’m snapping photos of my receipts for Fetch, I’ll go ahead and take a second photo in the Receipt Hog app, too.

I find Receipt Hog to be a little less user friendly. You have to answer a question or two after loading the receipt…really, waiting for it to load takes longer than answering the question, though.

You also don’t seem to accumulate points as quickly in Receipt Hog.

But for all the effort it takes to do, it’s worth having this app on your phone. Also, you can connect your Amazon account to earn points automatically.

Use my referral link for Receipt Hog to get a spin for points bonus with your first receipt picture.


The Ibotta app was one of the first money saving grocery apps on the scene back in the day, and it’s still saving people money today.

With Ibotta, you do have to jump through some extra hoops, like identifying items on your receipt that earn extra points yourself.

You also won’t earn points for every receipt you upload, so you’ll have to look for savings on your own.

BUT if you’re going through all of your receipts while using the other cash back apps at the same time anyway, it’s not such a big deal.

On the other hand, you can cash out actual cash from Ibotta, so that’s a nice perk!

Get started on Ibotta using my link and referral code HANDYFY so you’ll get a $5 bonus with your first receipt submission!

Cozi App

I’ve been using the Cozi app for way longer than I’ve had a smartphone. I’d be lost without it.

Cozi organizes my life by keeping a family calendar and a running shopping list.

The moment I find out we are running low on something, I add it to that shopping list. Then, I can refer to that list when I’m in a store.

It saves me money because I make fewer trips to the store for last minute things.

(Face it, it’s pretty rare to run into a store for one thing and come out of it with just that one thing. Impulse shopping is hard to skip.)

Plus, I make sure to look at the events on our calendar for the week or month ahead of time… so I don’t wind up blowing a lot of money on something I forgot about until the last possible minute.

You don’t have to be a mom of six kids to appreciate this app. Load Cozi here to organize your life and save more money.

Sam’s Club

My sister gifted me a Sam’s Club membership for Christmas a few years ago, and I’ve been a Plus Card member ever since.

Their app is convenient because I keep losing my card (banging head on desk), and also because that’s how you pay for gas.

Also, I can check on my Sam’s Cash to see if I’ve earned enough to pay for next year’s membership.

Dunkin Rewards

You don’t have to run on Dunkin to appreciate a good rewards app.

I only like the Dunkin Rewards App because this tends to be the place I treat myself after a long day of grocery shopping at four different stores.

And now I can get free drinks!

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I started using Mint Intuit as a way to track my budget ages ago.

Now that it’s mobile, I love how easy it is to see how much money I have left in a budget while I’m out shopping.

So if you prefer to use your debit card over carrying cash envelopes, this might be the perfect app for you.

You do have to be comfortable with connect all of your banks and bills with them, but they have a long and solid track record, so I haven’t had a problem with it.

Kroger App

Honestly, I loaded the Kroger app to scan all those coupons they have on their products throughout the store.

But I’ve found that having the app makes it easy to load the coupons I want for my next shopping trip whenever I have a few minutes.

If you don’t have a Kroger near you, look for your favorite grocery store’s app.

YouTube or Rumble

The best way to learn how to repair something or figure out a simple DIY version of that thing you want (but don’t want to pay for).

T-Mobile Tuesdays

T-Mobile customers can use this app to get freebies every Tuesday. Some weeks are better than others…you can get free food, photos, products from T-Mobile, and more.

If you have a different cell service, see what they offer.

Your Bank App

Set alerts for big spending or unusual purchases to make sure your account hasn’t been stolen…or as another incentive to stop spending frivolously!

These money saving apps are a great way to help cover that phone bill.

And we all need that, these days!

Up next, you don’t want to miss this simple money saving chart that will help you save an easy extra $1,000 this year.