Money Saving

As many of you know, I am ballin’ on a budget aka I’m a broke college student.
I try my best to save my money so that I am able to pay rent & utilities on time, as well as being able to buy necessities like groceries.

Like many young people, I’m always on my phone (as much as I’d hate to admit). I found an amazing app that helps you save money! The app is called Qapital*. You basically set goals of how much money you want to save and for what purpose. You can even invite other people to join your goals! My friend & I both share the goal for Coachella. We each have our own personal goal amount of $1200, so together, that is $2400 total. You’re able to see your own personal goal amount, as well as the shared goal amount. I put in $1 into the Coachella fund so you guys are able to see how it looks.
Then you set “rules”. The rules are supposed to help you save money.
The first rule I have set up is “Round-up”. Whatever I purchase, it’ll round it up to the nearest $2. It’ll save the difference into one of my goals. I use this rule for my rent.
The second rule I have set up is “Steps”. This will connect Qapital to your Apple Health app. It will put in $1 for every 100 steps I take (you’re able to edit the amount put in and the amount of steps). I have this rule set up for my security deposit that’s due next month for my new apartment I’m getting next year.
You’re able to make up your own rules to suit your needs!
This app is free and connects to your bank account. No worries, it is FDIC-insured & uses bank-level security.
If you use my link, you’re able to receive $5 free after your first deposit with Qapital.

Another app I use is called Ibotta*. You’re able to get cash back on many things that you purchase regularly. I use it most when I’m buying groceries. They will have cash back on items like milk, alcohol, snacks, etc. I’ve seen really high rebates up to $7! There’s probably a higher amount, but I haven’t seen any yet.
You’re even able to get cash back for buying clothes, beauty supplies, and even from restaurants!
It’s a great way to earn a little cash on the side, especially if you’re buying these things all the time. You’re able to cash out with Paypal or Venmo once you’ve reached $20 in rebates.
If you sign up using my link, you’re able to receive $10 free after you redeem your first rebate!

The last app I use is called Qriket*. You earn spins from watching ads or answering surveys. With each spin, you have a chance to earn money! I’ve had chances to earn $50 or $250 from these spins. Most of the time, it’s just $0.05. You choose between blue or yellow to land on. Make sure that the color you choose is different every time! It increases your chance of winning money. You’re able to cash out with Paypal. With my link, you’re able to receive 25 free Qriket spins!

I hope this helps everyone who is looking for ways to save money or to earn a little bit more on the side.

* = referral links

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20 Comments

  1. I never really use apps to help save and budget. What I do is just wait until it’s payday, and then put in $200-400 into savings immediately, and then use the rest to pay off bills and other necessities I need. I’ve tried a couple of sites/apps before, but the way I do things now work I can see how some of these apps will help others, though!

    1. That’s what I used to do before I moved out! But it’s harder for me to do that now since I have to pay rent & utilities all with one paycheck since they’re due within that one pay period for me.
      I try to put as much as I can into my savings though!

  2. I wish I could save money but I am living on my husband’s income because I have a mental illness that stops me from working. We try, though. I have trouble keeping jobs.

  3. Sound like some really interesting apps. Quapital sounds like the best choice for – as there’s literally so much I was to save up, but I also am developing a real shopping problem at the same time!

    Also – welcome back to the blogging world!

    1. Haha, so was I! But now that I’m conscious of the app, I don’t spend as much. Because I know I have more important things to save up for.

      And thank you!

  4. This is my first time hearing about this app, and I seriously think it’s very helpful! I’ve been saving money for quite some time because I want to use it to buy really important stuff for myself one day. This would really help, and I want to thank you for sharing about it in this post I hope it worked well and stuff!

    (Also, your blog is lovely! It’s my first time stumbling upon here, so hello nice to meet you!)

    Jillian @ Jillian’s Books

    1. I first heard about the app from my roommate a few days before I posted about it.
      And no prob! I do hope it helps.

      It’s nice to meet you too!

  5. Wow, I love these apps! Thanks for sharing! I’ve tried a variety of apps for money saving but most of them require me to input whenever I spend and this is such a task for me sometimes that I just don’t do it. lol. I’ll have a look at the ones you suggested though! It is definitley important to save up for things! I’m currently saving up for like 5 holidays this year haha.

    1. Yay, me too! And no problem!
      Qapital doesn’t make you input money. I feel it, those apps are very… ugh. For a lack of a better word lol. I hate inputting what I spend because I always forget to put it in.

      Do let me know how you like them!

  6. These apps look pretty cool! Good luck with saving up for Coachella! I can’t believe how expensive it is to go out there @___@. It’s pretty neat that you’re able to save or get cash back by doing things you normally do. For some reason, I would think the $50~$250 spins are to entice people to keep on spinning XD. Hope this guide will help some people out with saving money!

    1. Thank you! I’ll need all the luck I can get lol.
      That’s one of the main reasons why I love Qapital lol.

      Ugh, I know! But I’ve seen videos where people have won $250, so I’m gonna keep my hopes up hahaha.

  7. These apps sounds really handy. I usually end up putting away some money once payday comes around and then cry for the rest of the month because I feel broke, haha. I’ve tried survey websites and that before but they never really worked out and I’d just get a bunch of spam in my inbox afterwards. I’m glad these are working out well for you, though!

    1. They are! I especially love Qapital.

      I used to put away money from payday, but ever since moving, I haven’t been making as much. So I rarely have enough in my paycheck as it is.

      I hate survey websites. I used to be sponsored by them, but I always felt bad whenever I got someone to sign up because they’d be making way less money than me for using my referral links. 😅

  8. I’ve been looking for more eye saving apps myself and will check out these. I budget and write everything down in an Excel spreadsheet on my laptop, which doesn’t help me on the go. I have tried some budgeting apps but not found ‘the one’, yet.

    1. I used to hand write everything for budgeting, but it became such an annoying task. So now, instead of writing down everything I purchase, I just put some money aside that I know I’ll be needing later.

      I hope you try out Qapital! I’ve been loving it!

  9. I’ve been so terrible at saving up money lately! I’ve never thought of using money-saving apps but it’s something I’d like to look into now. – I think they’d actually really help. I wonder if the apps you mentioned would work in the UK though. Thanks for sharing this, Meaghan! I think sometimes as uni students we forget the importance of not spending too much.

    1. I was always terrible at saving money tbh. But now that I’ve moved out, I can’t be spending money all willy nilly lol.
      My roommate actually recommended me that app because it was how she saved money for her part of the rent haha.

      I hope the apps work in the UK! They’re such an amazing part of my life now!

  10. I remember doing a lot of surveys when I was in high school so that I could get money. And for some reason, back when my blog was on my old URL, I got a lot of assignments on payperpost.com to write blog posts about lots of different things. I got about 10-20 dollars per post and racked up a couple hundred dollars over a few years! I’ve tried it recently but I guess they are picky with the blogs now.

    I like to earn points for brands I am loyal to, if they have a points program, and that gets me discounts later on. But it’s true that nothing really beats actually saving money and putting it to the side! I have created a budget spreadsheet for 2017, to help me save money better. I categorise things so that I know exactly what I am spending my money on. 😄 Then I try to make goals for the next month.

    1. I was actually sponsored by surveys not that long ago. I made a lot of money doing that!
      But I hated being on the other end of it, just doing the surveys. Because it wasn’t that much money tbh.

      The only loyalty program that I’m part of is for Sephora. So I’ve just been using a lot of coupon and receipt apps to get points and save money.
      I tried to use a spreadsheet for budgeting, but I always got too lazy to update it. D:

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