Most Popular Money Making Apps — by Unknown on

I really do have a thing for making money and saving money. So I decided to put together  a list of  AWESOME APPS  that I feel like you should all have! 

1.ShopKick

Download the free Shopkick app and get mobile coupons plus rewards for walking into stores. Here’s what they say about it:

So what is Shopkick?

Shopkick is a free app that can be found in the iPhone or Android application store. If you set your smartphone to locate your position, ShopKick will recognize what stores or restaurants you enter. You receive “kickbucks” or points that you can redeem for rewards like a Target giftcard. When you enter a store or restaurant or scan certain barcodes you will earn kickbucks. By using Shopkick, you can get  scannable Target Coupons to redeem at checkout.

To learn more about Shopkick, visit their website here.  Check out all the best Target deals here.

2. Ibotta

Have you checked out the new iBotta app?  The payout is high and it’s really simple to do. Just sign up for iBotta and download the free app. Choose any of the products that you plan to buy at the store and click on the earning opportunities and watch the videos, take the quick surveys, or read the information to add the cash to your account.

Purchase the product at an approved retailer (make sure you’re buying it when it’s on a great sale and using a coupon, too!) Take a picture of your receipt when you get home and your cash will be added to your account. You can transfer your cash to your Paypal account whenever you want to cash out.

3. Swagbucks App

Earn money for watching videos on your phone. You’ll earn 2 Swagbucks for every 5 videos watched. There’s a limit of 50 Swagbucks per day that you can earn per device, but that can add up quickly. 

4.Ebates.com 

you can choose from over 1,700 stores online rebates and coupons. It absolutely pays to shop online. I know many people who shops online with ebates and save from up to $10 - and more on single purchases. It's a great app !

5. Viggle

This is the easiest and most rewarding way that we earn money from home. All you do is simply download the Viggle app on your smart phone and start checking into your favorite shows! If you have more smartphones in your household, it will be easier to earn even more gift cards each month

6. Jingit

Jingit is great because you earn actual money (that can be added to your Jingit debit card). Simply download the Jingit app on your smart phone and log in on your computer.

You can earn money from watching ads, scanning products at Walmart and even for buying those items. It is easy to transfer the money from Jingit to your debit card, and can be used anywhere a credit or debit card is accepted.

By doing these little things each day, I am able to earn money that goes towards groceries, lunches out, and even gifts!

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The Chronicles of my Credit Card — by Unknown on

The Method to the Madness

Money has always burnt a hole in my pocket, and with an ever-growing wish list, it’s hard not to – I've already lined up my next purchase before I've even been paid. But after reaching a point where my spending habits were no longer sustainable and I was paying the consequences for choosing new shoes over bills far too often, I had to change the way I shopped. Cold turkey was never an option, so I've now developed a method to the madness that is me with a not-yet maxxed-out credit card. When Sheila J asked me to write a post on how I save money shopping, I thought I’d share my top tips for spending wisely.

The Wardrobe Incorporation Rule

If you asked me, and I suppose you kind of are since you’re reading this post, I’d say this tip is the most important. A new purchase that doesn't go with anything you already own is either a trap for spending more money on new stuff, or a complete waste of money when you never wear it. I can’t count the number of times I've ending up spending more money on a top to go with the new skirt I bought, or a jacket to match the dress. Worse is when I realise I've got something still sitting in my wardrobe with the tags still on. Like last month when I moved house and found a leotard from ASOS that I’d bought 18 months ago with the tags still on. I don’t even wear leotards, and this one didn't go with anything in closet so it was a complete waste.

Now, before I leave the change room (or hit “checkout” on my laptop), I think of three complete outfits made up entirely of things I already own that the potential purchase will go with.

The Cost Per Wear Method

This is another important tip and while it isn't new – the term is often dropped in the pages of magazines – does anyone actually use it? And I mean actually calculate the cost per wear of a garment? Sure, I've used it to justify a purchase to my boyfriend “Can I borrow twenty bucks? I spent all my money on a new pair of shoes, but they've got a great cost per wear!” I’ll use anything to rationalise a purchase.

But now, I genuinely use this method to make sure I’m shopping smarter. I don’t whip out a calculator in the shopping center, but I do think ‘how expensive this item?’ and ‘how often will I wear it?’

I figure if I’m genuinely going to wear something a lot, I can afford to spend a bit more money on it. Which brings me to my next tip . . .

The Quality Analysis

Savvy shopping is more than just buying the cheapest option. You need to factor in the quality of a garment in relation to how often you’ll wear it. For something that’s only going to see the light of day a handful of times – go cheap! But for a staple, this is key.

I bought a pair of cheap ballet flats to wear on my commute to work. After a couple of weeks, they fell apart. I’d only spent twenty bucks on them, so I just bought another pair. But then the same thing happened again. I realised that replacing the cheap flats was actually more expensive than forking out $100 for a decent pair of shoes.

The Plan of Attack

This tip was the hardest to implement, as I found it required the most self control, but it made the biggest difference to my credit card.

Before heading out shopping, I always develop a plan. What do I want to buy? How much do I want to spend?

I thought about what I needed. This could be specific, such as a knee length black pencil skirt for work, or more vague like something light and bright for the summer whether it be a top, dress or play suit. I also set a budget, for example, I decide I’m only going to spend $100 on a dress for this wedding, or I've got $200 to buy clothes for the summer whether it’s made up of two dresses at $100 each or 5 tops at $20.

The hard part is sticking to it. At first, I had to write it down as a note on my phone and keep on looking to remind myself, but my self control has gotten better with practice – like a muscle being exercised.

The Sale Factor

This one is pretty simple – don’t buy it just because it’s on sale. Be sure to run through all of the other steps like you normally would for any purchase. A pair of shorts on sale for $5 might be a bargain, but if you never, or rarely, wear them, that’s still a waste.

Have you tried any of these tips before? What are your favourite money saving techniques?

Miranda is best described as a lover of shoes, chocolate, shopping sprees and warm weather. She is the author The Chronicles of my Credit Card, a blog that strives to prove style isn't dictated by budget. She lives in Sydney, Australia and works in digital marketing for a global book publishing company.

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Shop Smart!!!!!!!!!! — by Unknown on

Okay artist this post i'm dedicating to what the blog represents it's a blog for models from models but a artist is a artist regardless what you doing in entertainment so my topic today is shop Smart and being that the blog is called model savings we all know how it is when you have a Photo shoot or event etc. coming up and we have to look particular way because as a model or whatever you do and the art of entertainment you have to look and walk that path  so my experience as model is knowing the return policy I know you all are probably laughing but it's true. Now where getting to shop smart and if you're like me you love to shop you love good quality things but we all have to face reality that it doesn't necessarily mean that we need to keep it at that time so return return return but if your like me Half of the things I say I need to return I never do because I love. shop smart guys and return if you have too stay blessed and shop smart 

Www.Ty-perception.com Twitter @Typerception Instagram @Typerception  facebook.com/Tyshawn.jamison http://fashiontube.com/user/tyshawnjamison/

Tyshawn Jamison

 

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How I budget? — by Unknown on

 How I budget?

Budgeting NO ONE likes that word nor wants to do it! When people think of the word BUDGET, they think of Cheap Families. Well that may very well be the case, but I can tell you even the Richest of people more than likely budget, Businesses budget. So why as regular people can we not budget.

For me I believe the reason why a lot of people cant budget is because they were never taught how to. They were around people who spent their money and never saved it; in turn it would be very hard for them to break out it.

I do admit that I was one of those people who didn't know how to budget and save money, and because of that I got myself into some really bad issues! DEBT! DEBT, is the worst thing that you can get yourself into and I am paying off my debt as we speak!

As I speak of my reasoning for budgeting, how I am recovering myself from the debt I have gotten myself into, I wanted to share I am able to do this on Income that sometimes is never really promised, and a monthly income of $1,000.


heres the breakdown of my expenses

Rent $600
Phone $94 T-mobile (T-mobile out all the companies that I have been with is the most reasonable Phone company I will breakdown why they are in another article)
Metro Card $120 month
Credit Bills $100
Spending $100
Savings $75

I break down each of these things into 3 different Accounts
Spending Account (checking account)
Bill Account (checking account)
Savings Account

After I break each of my expenses into the categories, I divide my pay check from job every week ( if I do a photo shoot thats extra money but I do the same thing with that as well)

Weekly Breakdown
$600-$150 weekly
$94 -$23.50 weekly
$120- $30 Weekly
$100-$25 weekly
$75- $18.50 weekly

now because I break this down into what my pay check allows me, I don't over spend money when I know I cant if there is extra there is extra but I try to stick to this, and I know I didn't include a FOOD budget because most of the time I am Couponing so I am getting FREE things!

Too Much Month at the end of Money — by Unknown on

Having too much month at the end of the money?

How can the common person over common this challenge?

Most try by getting a second job or a second mortgage or both. 

However, the real answer lies in making the most out of your current income by starting and running a home based business. 

Running a home based business can potentially save you thousands of dollars and make you money. The U.S. Congress has created laws the encourage individuals to be entrepreneurs to start and run their own business. 

Business such as Apple, Coca-Cola, Microsoft, start at home and are now industry leaders. 

Why not let that be you? Start today! 

LEARN VEST! What is it? — by Unknown on

One thing is for sure, IF YOUR LOOKING TO BUDGET AND KEEP TRACK OF YOUR MONEY USE LEARN VEST! I have Learn vest and it has to be the best thing that has ever happened to me to help me learn how to budget and know where my money is going. This is very FREE unless you choose otherwise but for the most part I have the APP on my phone and its saved me.

Their mission is to help you feel amazing about your money.

LearnVest is a program for your money.

Whether you want to budget better, save for big trips, maximize your investments, or something in between, we’re here to help you make progress on your money.

When you join the Action Program, you get:

• A dedicated financial planner who customizes your program
• A detailed financial Action Plan that breaks down your goals and next steps
• A Commitment Calendar with how much to put toward your goals each month
• Custom Challenges that break down your action items into bite size pieces
• Support, accountability, and unlimited email access to your Planner, all year round
• A custom Money Center to help you track your spending, saving, and progress
• Access to exclusive content and events for premium members

For more information please click the link below
Learnvest