How does Drop work? Do you really get free stuff and cash back?

 

FTC disclaimer:  This post contains affiliate links.

My favorite way to earn cash back with savings apps is stuff I would buy anyway.  I have reviewed other cash back apps, but today I am going to talk about Drop.

How does Drop differ?

With Drop, you attach your credit and debit cards -- if you don't use a credit or debit card, you won't be able to get points back to spend.  One great thing is this app CAN BE USED WITH OTHER CASH BACK APPS.

One thing I really like is it is a 'set it up and forget it' -- meaning that once I set it up I can leave it attached.  Now, for some stores like Amazon, you have to go in on Tuesdays and see if you get one of the spots, but I've never had any trouble getting it when I go in.  Also, on Tuesdays there is a spin game where you can earn more points.

How is drop the same?

You can earn points to get gift cards!  I've redeemed for $100 Starbucks and I'm planning on redeeming for Walmart next!   Some of the other places you can get gift cards to are Chilis, Burger King, Chipotle, Hulu, Door Dash, Target, Amazon, Dunkin, Apple, and more!  

So how do *I* use Drop?

I set it up, and "drop" in once a week to get the spin and add any offers.  Otherwise, it's just set it up and forget it.

So how do you join Drop?

Just click this link:  https://b.ewd.io/code?c=cubrr -- signing up will give BOTH OF US $5!

20 Ideas for Saving Money on Groceries

Lately I have been hearing a lot of complaints about how expensive food has gotten -- and it has.  I have been a coupon queen for over 30 years (way before it was cool) and here's my 15 tips on how to save money on food.

FTC disclaimer:  The following contains affiliate links.

1. Shop Loss Leaders

Stores will often have sales to draw you in.  I remember the days of 4/$1 boxes of macaroni and cheese, and while those are long gone, you can still find some good sales and while you might have to go to a couple different grocery stores, you can save some money this way.

2. Price Booklet

Back thirty years ago I was telling people they should do this.  Take note of what the cost of your typically purchased groceries are  where you shop regularly.  I often shop at Kroger and Walmart, but Kroger isn't near me so I will want to see if there are cycles to sales. But if I had a Kroger and a Walmart nearby, I would see which generally has the better price on things I would need to buy that week.

3. Eat the Sales

You might plan to have burgers on Monday, pizza on Friday, etc. but if there isn't a good deal on beef that week, then wait until beef is cheaper and eat something that is on sale.

4. Use savings apps.  

I save so much money doing this.  I have more in depth posts about using savings apps, but the ones I usually use are

iBotta -- this one you need to add offers BEFORE you shop

Fetch -- My referral code is NP7PE -- with this one I just scan my receipts after shopping and whatever I get back is pure bonus.  

Receipt Hog -- My referral code is stroh862 -- again I just scan for what I would be purchasing anyway

5. Use store apps

While Walmart doesn't have a store app, Kroger does.  Adding coupons before shopping can really give some significant savings.  Sometimes you can use a coupon up to five times, other times the coupon is only good once.  I also have store apps for Walgreens, Dollar General, and CVS.

6. Food at Dollar Tree

I really think Dollar Tree has upped their game since they went to charing $1.25 per item.  Although lately I've been finding clearanced items for as low as 25 cents for a box of cake mix.  I love their egg rolls.  The frozen ravioli is top notch.  The spring rolls (8 for $1.25) is also a great bargain.  But watch sizing.  Some of the products are smaller than a regular grocery store and may cost more per ounce.

7. Stock Up

If something you use often goes on sale, buy extra.  As I write this, iBotta has  75 cents off a jar of Ragu, up to five times on one receipt.  We eat a lot of spaghetti and ravioli (as I mentioned above).  I have learned that if you use your offer, it sometimes comes back for another use.  So this month I have purchased 15 jars of Ragu for about $1.50 a jar.  

8. Shop Grocery Outlets

Not everyone has a grocery outlet near them, but if you do, see what they have.  Sometimes these are called scratch and dent stores.  You need to watch expiration dates, but many times "best by" dates are just that -- best by and will stay good for a while afterwards.  In fact, one time I ate microwave popcorn with a best by date of six years before -- I really wanted popcorn and it was all I could find in the house.  It tasted fine -- just not as many of the kernals popped. 

9. Forage

Did you know that upscale grocery stores can sell dandelion leaves for over $3 a pound?  Wild onions for $15 a pound.  As long as you don't chemically treat your lawn, add some dandelion leaves to your salad.  My husband made some amazing dandelion jelly this year. 

10. Make it Yourself

It is easy to find bread machines in thrift stores.  It may be cheaper to make the bread yourself.  I know it is for us, and it is so much tastier.  Instead of ordering out for pizza, make your own.  Many foods can be made easily at home.  When I visited friends overseas, I loved her chili seasoning.  I asked her what brand it was, and she said it was her own, and now I always make my own taco and chili seasonings as well as ranch seasoning.

11. Dollar General 

Dollar General is another favorite store of mine.  You can scan items while in store to see if there are coupons on the products you are buying.  Most Saturdays they have a $5 off $25 coupon which can be combines with manufacture coupons in the app (make sure they say manufacture and not store.). Many Saturdays I can walk out of Dollar General with $25 for about $10.  Of course, don't forget to scan your receipts!  Also, seasonings are cheap there, which is great for when I make my yearly chili and taco seasonings.

12. CVS

While CVS is often more expensive on stuff, combining sales, coupons, and their Rewards Pass (which costs $5 a month for a $10 certificate) can make things much cheaper.  Sometimes there is a $5 off $30 of food coupon in the app.  We also get our prescriptions filled there, so we earn Extra Care Bucks from that.  About a month ago I walked out of CVS with $30 of groceries for $5 ($10 if you count the $5 I spent on the Rewards Pass for the month.). Even if you don't live near a CVS, you can get free shipping if you sign up for the Rewards Pass and purchase certain CVS or Gold Emblem items.  I didn't leave the house for almost a year before I got the vaccine and I would get great deals once a month from CVS.

13. Fast Food Apps

Download the apps for the fast food places in your area.  When our local professional hockey team wins, our local McDonalds will have free six piece nuggets with a $1 purchase.  Since my husband and I each have an account, we can order the cheapest thing on the McDonalds menu (2 cookies for $1.19) and each have two cookies and six nuggets for $1.19.  Sometimes they have other deals.  Keep an eye on your apps

14. Enter Sweepstakes

I have a group on Facebook about entering sweepstakes.  It's not a sure fire way to save money on food since sweepstakes are random, but read my blog posts about how to win sweepstakes and contests.  You can check out my group on Facebook.  It's not uncommon for me to win gift certificates or free coupons.  (I have won year's supplies of Lay's potato chips, Totino's Pizza Rolls, Colivita Olive Oil, Kellogg's Cereal, Mrs. T's Pierogies, and more!)  Also, Circle K often has a sweepstakes where you can win small convenience items.  This year I've won slices of pizza, Polar Pops, roller grill items, energy drinks, chips, nuts, and more.  

15. Stretch meat

Meat is expensive.  If you can, use it in recipes where you can add beans to make it stretch.  This is great for taco night, chili, etc.  

16. Garden

My husband and I began a small garden in 2020.  (Who didn't? Ha!). The amount of tomatoes we have been able to get from a package of seeds (purchased at Dollar Tree or Dollar General) is amazing.  Same with cucumbers.  Even if you don't have room for a garden, some herbs on the windowsill are a great idea.  I won a cooking class for my husband and the grandmother teaching it was thrilled he had fresh basil from a plant in a window.

17. Farmer's Market

Not everyone lives in an area where farming is prevalent, but if you do, check out farmer's markets.  Often you can get fresher fruits and vegetables than at the grocery store and at lower prices, too.  Of course, eat what is in season, as that helps save money as well.

18. Canning / Freezing

When my husband made the dandelion jelly, he took his first try at canning -- and in our Instant Pot no less!  We have green tomatoes frozen for enchilada sauce -- we had to harvest them last year as it was about to freeze outside, so he made enchilada sauce to freeze.  I took the red tomatoes and parboiled them and froze them for a dish I enjoy making.  

19. Dry Milk

Before you think, "I would never go that far", Dry milk is great in baking and cooking -- in fact, our bread recipe calls for dry milk.  Nido is our favorite dry milk as it is a whole milk, and not a skim milk like most dry milks.  Once you mix it and chill it, it is hard to tell the difference between store bought milk and Nido.

20. Check Amazon

It sounds odd, but groceries can at times be cheaper at Amazon.  Also, if you are a Prime member and not in a super hurry for something, you can often get $1.50 digital credit if you order 3 items that cost a total of $8.50 or more.  So then I search for groceries, lowest price first, Prime eligible (or you can click this link)

Also, watch for Amazon deals.  I recently had a coupon for $10 off a $20 or more Amazon order if I picked it up locally.  So I went to the general grocery section of Amazon, found stuff I needed, and ordered it for pick up.  I used a gift card I had earned from a savings app, and was going to where the pick up locker was anyway, so it was not an extra trip.  So I ended up getting a dozen cans of tomatoes (great for making tomato soup) for under $4!   I have also been very pleased withe their store brand of items, Happy Belly.  

What is Receipt Hog? Is it worth signing up?

FTC disclaimer:  This post includes affiliate links. 

Years ago, I joined as many app based savings and earnings communities as I could.  Some have faded away (such as Checkout 51), but others have stayed around and have become my favorites.  One I have on my phone that I don't often talk about is Receipt Hog.

So what is it?  You take photos of your shopping receipts.  you earn coins you can spend.  Why do I not talk about it that often?  I have never won one of the 'daily shopping sprees" and have earned under $20 in Amazon gift cards.  When you snap a receipt you earn coins or spins on a slot machine.  On the slot machine you can win coins (I often win 2-5 coins), cash, or the purchase price of  your receipt back.  Also, you get entered into a sweepstakes that happens on the first of the next month.

I've not earned a lot with this one.  Is it worth it?  Well, I still snap my receipts when I have a shorter one.  When it's massively long, I don't bother.  I have been using it long enough I get a decent amount of bonus coins to make one snap a shorter receipt once a week worth it.  (You level up by submitting receipts each week.) 

Is it one I would join again?  Probably not.  Will I keep doing it.  Yes.  I know this sounds like opposing viewpoints in one, but it doesn't take much to use it each week, but the rewards just aren't easily obtained.

If you want to join, you can find it in the App Store or on Google Play.  If you use referral code stroh862 you will get five bonus spins when you sign up.

What is Fetch Rewards? Is it worth it?

 Very few people see their smartphone as a savings tool.  But that is how I view my device.  Why?  Savings apps.  I have several, and snap receipts from different places, but the one I want to talk about today is Fetch.

Savings apps are just that -- savings.  You won't get rich from them because you are getting something that you paid refunded to you.  But they can help you save on your grocery bill and help you out with saving for something special, be it Christmas gifts, a Disney trip, or just back to school shopping.  And good news, you can earn rewards from those purchases as well when you use Fetch!

With some savings apps, you have to go into the app before you go to the store,  add offers, see what the limit is etc.

The best thing about Fetch is you just snap your receipt after you are done shopping.  Really!  Usually most brands get you about the value of 1% back in points.  BUT most receipts will give you 25 points.  That's about 2 1/2 cents.  That's not a lot, but then there are times you find something you will use a lot of on sale, and you might earn quite a few points on those receipts.

ANY receipt works.  Fast food, grocery store, home improvement store.  Plus, there is a feature when you download the app where you can attach your e-mail for them to check for Amazon receipts.  

Another thing I like to do is see what the "pop up offers" are.  While these are things I have to remember to look for, and living in a rural area like I do, my stores may not have it.  Sometimes the pop up offers are for 100% of your purchase price back in points.  A few things I've gotten totally free are certain types of bread, Reese's Klondikes, Back the Roots growing kits (which my guinea pigs loved having some fresh sprouts!) 

I don't look at apps as a way to get rich, but I did cash out about $50 of rewards from Fetch last year.  That's a Christmas gift.  Or my phone bill for one month. Just from snapping receipts that I would have otherwise thrown away.  Of course a number of these came from offers I got totally free, but sure, I can eat a certain kind of bread that week to get the purchase price back.  

If you download Fetch Rewards on the Google Play or App store and use my code of NP7PE you will have an extra $3 put into your account and I will have $2 put in mine.  

Bottom line:  Fetch Rewards is a must have savings apps because all you have to do is snap receipts.  No adding offers to your account before shopping, and all receipts are accepted.

How To Save Money Shopping for Groceries at Walmart

How to Save Money Shopping at Walmart

I live in a town that has a grocery store that is smaller than some convenience stores I have been to.  Ten miles away there is a Walmart and a mom and pop grocery store.  While Wal-Mart doesn't give me the best savings for my grocery dollar, it's most convenient, and the easiest to save money when shopping.

My first tip is simple.  Just shop there.  Usually prices are a couple cents cheaper than other places, and this can add up.  There are exceptions, especially if you use coupons, but for the most part, just shopping at Wal-Mart saves you money over other stores.  Wal-Mart can be very picky about coupons.  This can vary by location, but whenever I have had a problem with a coupon, it has tended to be at a Walmart.  Most recently I had a coupon for a free bag of Lay's with a price limit of $4.29.  The bag of chips I got was $4.30.  Instead of writing in $4.29, the cashier said I had to get a smaller bag.  Called a manager over, and she said the 'good on any Lay's item" was in fact, NOT good on any Lay's item, but the price limit could not be exceeded.  Finally my husband (who had worked at Walmart for a few years) explained that it should work if the price is keyed in.  (That usually has to be done with ANY totally free coupon, regardless of price.)  The manager was gone by that point, the cashier tried it, and viola -- we got $4.29 off our bag of chips.  I've had cashiers (and managers) create unique coupon policies at check out (We only accept one coupon per day since we don't "double" and using two different coupons is "doubling" -- which is NOT what doubling is!)  My point is if you plan on using many coupons, WalMart may not be the grocery store of your choice.

FTC disclaimer:  This post contains affiliate links.

My second tip is to use iBotta.  It's super easy to use at Walmart.  You just sign up, add offers to your account, and then scan the bar code at the bottom of your receipt once you check out.  You don't have to scan any groceries at all!  In fact, if you are using grocery pick up, it is so much easier to redeem your offers because you just make sure you are putting the correct item in your cart and even if you don't know where a certain free after offer item is, the employee pulling your order would know!  One great thing about iBotta is Walmart is a partner store with some offers.  Last year at Thanksgiving and at Back To School they had a number of free items (including a turkey breast!) 

Third, use other savings apps.  While savings apps aren't specific to Wal-Mart, they do help.  I use Fetch (My referral code is NP7PE ).  It takes a while for points to add up but I get a few Amazon gift cards a year with this app.  I also use Receipt Hog (My referral code is stroh862 )  This one takes even longer to see rewards from it than Fetch.  With both of these, instead of scanning the bar code like you do with iBotta, you have to snap photos of your receipt.

Fourth, there aren't many places that offer cash back for grocery pick up at Walmart unless it's your first time using the service, but if what you need can be shipped, go through a cash back site.  This can work because sometimes the items you want aren't in stock at your local store.  My husband and I love spicy Nongshim noodles but they are not sold in our area because most people don't like spicy food where we live.  Another item we use is Nido.  It's great for cooking and you can't tell it was powdered milk when you use it to cook with or in potato soup.  It's often found in Hispanic markets, and none of our stores within an hour carry it.  So I order it online, and Walmart is the place.  Pet items count if you order from walmart.com and not use the online grocery pick up.
The best places for cash back at Walmart are:

TopCashBack - 2% for pet items  Swagbucks offers 1 point per dollar spent at Walmart.com.  (Although I admit I could be mistaken on this and it could change at any time.)  

One of the great things with going through Swagbucks is you can turn your points into rewards for future Walmart cards!  You can also add "magic receipt" items which are usually identical to iBotta offers if you would prefer Swagbucks over iBotta (but usually the value is higher with iBotta.)

Lastly, use a good rewards credit card.  Unfortunately Walmart is not coded as a grocery store for most credit card issuers, so a good overall no fee card is a good choice.  Just be sure and pay it off and not carry a balance or your rewards will not be as much as you spent.  A card I would recommend for Wal-Mart shopping is Discover.  You also get a $50 statement credit when you use the card in your first three months of opening it.

Wal-Mart used to have more offers that appealed to bargain shoppers to lure us in.  But gone are the days of the Savings Catcher and ad matches, and we have to do what we can with what is available, but thankfully the Walmart only iBotta offers have really helped make up for Savings Catcher.  (Especially for me because there were no major stores to compare prices to within a 25 mile radius!) 

Wal-Mart is the toughest store to save money at if you are wanting to take a little extra time and stretch your budget as far as it can go, but it's also the easiest in the fact that overall their prices are lower than most grocery stores.  There's not a lot of ways to save at Wal-Mart, but at max you would spend about 5 minutes looking up iBotta offers, then putting in your receipt.  Time is money, so I do shop at Wal-Mart even though I can often save more elsewhere with a little effort.

This is the first in a series of saving money on groceries at different stores. 

Is Your New Year's Resolution saving Money? You NEED these apps!

 FTC disclaimer:  The post contains affiliate links.

One of the most made new year's resolutions is to save money.  I've pinched pennies my entire life, and here are the apps and savings sites I plan on using in 2021! I used to keep a great notebook of how much I saved, how much I spent, and what I got in the mail each day.  I think I'll start that again in 2021 as I love reading back through past
notebooks from the 1990s!

1. Ibotta.  This is super easy to use, and I especially love using it with grocery store pick up because I don't have to hunt for the items needed for the refunds.  Please use my code of mtgkg when you sign up.  What I like about this app is they often give small savings on "any brand" items, and are having more and more totally free items.  For Thanksgiving 2020, there was over $20 of items including a 3 pound turkey breast you could get full purchase price back on.  These savings CAN be combined with other savings app.

2.  Fetch.   You can download this on the app store or Google play.  Please use my code of NP7PE when you sign up.  This is simple, you just scan your receipts and they will give you money back based on what you buy.  I never buy anything out of the way unless there is a full purchase price back on an item. You can even connect your Amazon account and earn points from your Amazon purchses.

3. Rakuten.  This was once called eBates.  Start your shopping through here and you can earn cash back.  In the years I have been a member, I have gotten hundreds of dollars back on stuff I would have purchased anyway!

4.  TopCashBack I tend to use this a little more than Rakuten because there is cash back for sites I often order from that Rakuten doesn't have.  Examples are eBay and ThriftBooks.

5. I use Swagbucks as my main search engine.  I earn about $25 a year just using it for my normal searches.  Also, if you print coupons to use, you can go through swagbucks first to print them, then earn points in your account for ones you redeem on top of using iBotta and Fetch for rewards!  

These are the apps I use the most.  With most things, once you get too many apps it takes more time than the savings it creates, so the only one that I have to pick from each time is when ordering online who gives better savings? TopCashBack or Rakuten.  It's been so much easier for me as I have gotten away from paper coupons and just am using store apps to download coupons to my card, and a few savings apps.  

I've been a coupon queen for almost 30 years now, and I have to say that my savings isn't what it was in the 1990s, but it doesn't take nearly as long now, either.  :)

Ibotta is easier to use than ever with Walmart Grocery Pick Up.

 FTC disclaimer:  This post contains affiliate links.

I have used iBotta for years.  The concept is really simple -- you open the app and add offers you want to redeem, then pick up the items on your next trip to the store.  Some stores you are able to add your savings cards, and in that case that is all you have to do.  Other stores you will need to snap photos of your receipt and scan the UPC codes, but it's an easy way to get money back.

I got $66.28 back on my groceries last week!  It can really add up, especially if you watch the bonuses.  I finished a few bonuses last week which included buying 30 different items (I got $10 for that, and $5 because I did 12 of those on a weekend, so it was what we used to call a "double play".)  I also was able to get bonuses because I bought the same item in two different shopping trips.

But here is how it has become so much simpler and I have been able to save so much more during the pandemic. . . I have my Walmart account connected to iBotta.  So when I go in to place a curbside order, I open my iBotta app and just add what I want to my cart.  I love this because currently Walmart has free grocery pick up at $35, and you know it's not difficult to get $35 in groceries. 

But what I really love is I don't have to go chasing through the store to find new products.  For instance, iBotta recently had $10 back on any Back to the Roots kit to grow some organic food.  These were $12.99 at Walmart, so I put one in my cart and the shopper found it for me because I wouldn't have had any clue where to find it in the Supercenter!  So now, I have a kit to grow my own mushrooms for $2.99! 

Lately there have been some really good offers, I even got a pint of dairy free ice cream for free, and Pretzel Pop Tarts have been 50% off.  With my husband having not been to work since March, being able to get discounted groceries sure is a plus right now!

All you have to do is download the iBotta app by clicking here and put in my referral code of mtgkg.  Link your accounts with iBotta, and then shop with your phone in hand.  I'm so happy that you can now use it with Walmart Curbside pickup, and I have gotten so many discounted groceries since I have discovered this great trick!

The 100% Legal Way to Get PAID to use Coupons!

FTC disclaimer:  This post contains affiliate links.

I love using coupons.  I love to go to the grocery store or CVS or Walgreens, and have a cart filled with items, and then scan my card, hand the cashier a bunch of slips of paper (coupons) and then have my total come down dramatically -- sometimes even free!

Yet, as much as I love using coupons, I just found this new trick to making money when you redeem them.

Okay, so it's not money on the outset, but you can turn it into money eventually.

How to DIGITAL Coupon at Dollar General

For years, I have loved the $5 off $25 purchase coupons at Dollar General.  Dollar General is a great place for inexpensive items, and that coupon has helped me get some super bargains over the years.

Now that Dollar General has an app where you can load coupons to your account, there are so many more savings opportunities!

It seems that most Saturdays you can download a $5 off $25 coupon right in the app.  The wonderful thing about this coupon is the discount is taken BEFORE coupons apply.  (A few stores may do it differently, but my stores take it from pre-coupon discounts).  So in theory, I can make sure I buy items using coupons.  The original pre-coupon price only needs to hit $25 for the $5 off $25 coupon to be deducted.  The $5 off $25 coupon also works on sale and clearance items.

Cut Your Grocery Bill WITHOUT Cutting Coupons

FTC disclaimer:  This post contains affiliate links.

Everyone knows someone who is a coupon queen.  (I used to be one.)  But what about those of us who don't want to take time to clip coupons and still get a good deal at the store?  Is it even possible? Yes!  Absolutely!   Here are my tricks for couponless savings.