11 Ways to Maximize Your Credit Card Rewards

When it comes to saving money or making money, I love easy wins. Things like changing my cell phone carrier and cutting my bill in half, or shopping at a discount grocery store to save significantly each week are some of my favorite ways to save money. I don’t have to do very much at all, and it keeps my expenses down without negatively impacting my life. One of the easiest ways I’ve made or saved money is through credit card rewards. I use a credit card for just about everything. On any given day (including today while I am writing this article) I probably have $0 cash in my wallet.

How to Create a Budget that Works

If you’re serious about improving your financial situation, the first step is to create a budget. The budget is the foundation of effective money management, and without a budget you’re practically guaranteeing that you’ll make costly mistakes in how you use your money.

Although budgeting isn’t complicated, most of us don’t actually bother to do it. Maybe it’s because we feel like we’ll be too restricted and life will be no fun if we have a budget. Maybe it’s because we don’t want to see the reality of how we’re spending our money. Or maybe it’s because we think it’s too difficult or complicated.

Budgeting is actually quite simple. Unfortunately, it’s not usually taught in school, but anyone can learn to do it. All you need is a little guidance, and you’ll get that guidance in this article.

It may seem like creating a budget and sticking to that budget would create more stress in your life, but actually the opposite is true. With a budget you’ll be able to know where you stand, and as long as you’re sticking to the budget you can have confidence that you’re doing a good job with your money.

50+ Mobile Apps for Making and Saving Money

Saving money doesn’t have to be painful and difficult. There are a lot of easy, little things we can do to start saving money, or even to make some extra money. On this page you’ll find more than 50 mobile apps that awesome for making or saving money in different ways.

What I love about using some of these apps is that it takes very little effort. With more than 50 apps featured here you’ll have plenty to choose from. But if you try to use them all I’m sure you’ll get overwhelmed very quickly. Start by picking out a few that seem like they would be easy for you to implement with only minimal changes to your life, and you should start to see the benefits pretty quickly.

I’ve broken the list into two different sections. The first 10 apps listed are the ones I recommend the most, and anyone can benefit from them. Many of them have special sign up bonuses as well.

Beyond the top recommendations you’ll also find more than 40 other apps that are great options as well. It’s likely that not all of them will be relevant to you, but I’m sure you’ll find at least a few that could be very beneficial.

Most of the apps are free, but there are a few that require a fee. Each app is marked as free, or the price is listed. And feel free to leave a comment and suggest other apps that you think should be added to the list.

100 Amazing Websites for Saving Money

There’s something very rewarding about saving money or getting a great deal on a product or service that you were going to buy anyway. If you’re looking to cut back on living expenses these types of easy wins can really add up… if you know where to find them.

Thankfully, there are a lot of websites that make it easy to save money in your everyday life. Some of the sites will allow you to earn cash back or rewards on purchases that you would be making anyway. Others can help you to find amazing discounts, lightly used products, swapping opportunities, or any number of other ways to save money.

I’ve spent a lot of time researching and compiling the best websites to help you save money. On this page I’m listing 100 awesome websites. Browse through the list and I’m sure you’ll find at least a few that you can start using today.

Of course, the key is to only use these sites for things that you would be buying or spending money on anyway. If you wind up buying a bunch of stuff because it’s on sale you won’t be any better off than you are now.

If you have other sites that you’d like to recommend please feel free to leave a comment at the end of the post. I’ll be updating the article in the future so your suggestions are welcome and appreciated.

101 Practical and Realistic Ways to Save Money

Want to improve your financial situation, live with less stress, and have more money for things that are truly important to you? I think we can all answer “yes” to that. An important step is to spend less and save more.

In a lot cases that’s easier said than done. But fortunately there are many realistic and practical ways that we can save money in our daily lives, starting today. And many of these methods aren’t even painful or difficult, they just require some simple changes.

In this article we’ll look at 101 different ways you can go about saving more money. The money that you save can be used to pay off debt, invest, save for retirement, save for a family vacation, or even given to charity.