My 6 Favorite Financial Companies This Year (Saving me a Total of $1,659.17 so Far!)

by J. Money - [Edit]

laptop coffee money

Earlier in the year I set out to be a better financial blogger and pay attention to all the new technology coming onto the scene.

We constantly get barraged with the latest “greatest” super-fantastico-will-change-your-life-OMG-TRY-US! type press releases, but I typically hit “delete” and move on my lazy way thinking “they’re not for me.” As if I have all the answers and couldn’t be bothered (hah).

But then I started paying attention and realized, “wait a second – some of these ideas are actually kinda smart! Why don’t you check them out and see if they improve your finances, dummy!”

And so I did.

And now, $1,659.17 and 8 months later, I’m pretty happy with the results :) Not only is my wallet plumper, but I feel like I have a better pulse on the industry too and not stuck in 1998 when spreadsheets ruled all (and rightfully so!). I’ve also had the surprise benefit of being asked to be on a panel of judges for an upcoming financial start-up competition, so the wins keep on coming!

All this to say taking a little time to consider alternatives out there could pay off in dividends. And sometimes, quite literally. People are coming up with all kinds of incredible ideas around money and new technology, making it a completely different world than even just 3-5 years ago. These guys are bringing the sexy back* to financial management, and I’m now happily eating it all up! (Though some I chew and spit out – not all services are created equally)

Anyways, out of the dozens of companies I’ve tried or looked into this year, here are my favorites along with any updates since last reviewing them. They seem to be only improving with each passing month.

My Favorite Financial Services This Year:

digit savings

#1. Digit (FREE) // $1,398.84 <– Total Saved!

To sign up: Digit.co
My full review The Easiest Way to Save Money? Ever?

These guys are by far my favorite new service out there, and the one that kick started this renewed interest in technology due to how much it just blew me away. So much so, in fact, that I later became an “advisor” to them and spend a few hours each week helping them out.

What they do is pretty straightforward: every day their algorithm analyze your spending (checking account), and if they see any money they don’t think you’ll miss/need, they push it over to a savings account for you. Small chunks here and there ($5-$50) that all add up without you lifting a finger. It’s all automated, and you can take it out whenever you want.

There’s even text-in commands like “save more” or “save less”, “checking” to check your balance, and all kinds of ways to interact with your accounts (another favorite is “recent” to see your recent transactions). In fact, most communication is via text messaging making it as fast and easy as it comes!

total digit savings

What’s new: As of last Thursday (8/13/15), they now pay “cash bonuses” for saving! I.e. the same as interest basically only called something different due to the way they’re set up. This is huge because it crushes the one main con people had with them – not that anyone will get rich over pennies whether at Digit or their own bank. Still, Digit now pays its members $0.05 for every $100 we keep sitting there for 3 months. It’s not much, but comparatively it beats out most savings accounts out there.

So it’s a smart upgrade for sure… And just wait until they move into other areas of finance! Debt? Investing?? Imagine having a little robot paying all your bills for you as efficiently as possible? Shooot… Gonna be a game changer, I say – you heard it here first! ;)

(Other companies are catching on now too – both USAA and Betterment recently announced similar features. The future looks bright!)

acorns icon

#2. Acorns // $237.33 <– Total Invested!

To sign up: Acorns.com
My full review: Rounding Up Change + Investing It = Acorns App!

Acorns is another favorite of mine as it too harnesses automation, though in a different clever way (and with investing vs savings). What it does is round up all your transactions to the nearest $1.00 (or however you set it), and then invests the difference for you into a pre-selected portfolio of ETFs and index funds. Even some with Vanguard in it!

You can also have them invest additional money anytime you want with a quick click of a button, say, after getting a bonus at work or wanting to reward yourself for not spending money on something ;) What better gift to yourself than that of financial freedom??

What’s new: they recently waived their fees for all students and people under 24. A cool move to remove any obstacles for younger people to get started and building up that nest egg. While you can certainly use them as your main source of investing, I’d suggest making them an “extra” or secondary one to put some money aside. Their normal rates aren’t horrible ($1.00/mo for accounts under $5,000, and 0.25%/year for accounts over $5,000) but you can do better elsewhere.

The question, of course, is whether you take the action to do so. If you don’t trust yourself to, sign up to Acorns and let it ride! (And it works like magic in conjunction with Digit too, fyi. There’s nothing better than seeing savings go out, and then topping it off with a little investing!)

paribus about

#3. Paribus (FREE) // $0.00

To sign up: Paribus.co
My full review: The App That Gets Your Money Back

This one I love and hate at the same time, haha.. But only because I never shop online so they never find me any money! :) But if you do, whether you’re a splurger or saver using places such as Amazon and the like (which is where I hope you fall!), then you’ll want to give them a try because it’s like getting free money for nothing.

In a nutshell, whenever any of the following happens they’ll go out and get you your money back:

how paribus worksIt’s literally as simple as connecting your accounts (Amazon & email), and they take it from there. With the only con being that you have to be okay with connecting your email to them as they use it to scan for receipts to check against their database and then file claims to get your $$ back. They’re all bots that do it, but still – some people feel funky about it.

What’s new: They now have an official iPhone app, and superstar SHAQ uses them too, haha… And apparently saved $205.00 on a recent hot tub buy :) Must be nice…

honey extension logo

#4. Honey (FREE) // $3.00 <– Savings so far

To sign up: JoinHoney.com
My full review here: Another Cool Way to Save $$$

These guys I just started trying out – like a month ago – and so far has saved me a tiny bit of money. While Paribus above gets you money AFTER you’ve purchased something online, Honey will help you save some BEFORE picking up that item.

It’s basically a browser extension that you download in 3 seconds, and then every time you’re about to check out you just click the little icon (it looks like this: honey icon) and it’ll display all the coupons it finds for it. Which saves you from opening up another browser and searching for them yourself – which you SHOULD BE DOING EVERY SINGLE TIME! You almost always find savings, especially for those Godaddy domain hoarders like me which is where I scored this easy $3.00 deal :)

And just like the Digit/Acorns combo, use Honey in conjunction with Paribus and save money on both ends. Win-Win all around, baby.

offerup logo

#5. OfferUp (FREE) // $20.00 <– Total made so far

To sign up: OfferUpNow.com
Mini review here: This Week in Money, Apps, and Sexy New $$ Books

This app’s pretty cool because it uses your smart phone to sell stuff online instead of the usual Craigslist or ebay (and takes about 1/100th of the time too!). You snap a pic of whatever it is you want to hawk, type in the price and what it is along w/ a short description, and then hit “post item!” Within seconds it’ll go into the marketplace and gives you another avenue to make that $$$.

I didn’t have much success the first few times I tried (then again, I started w/ crappy items I was having trouble selling on CL), but the last two things I listed I sold within 48 hours. They’re definitely worth checking out if you need a new – or extra – place to sell stuff. And again – super easy just using the camera on your phone!

(Only downfall is they’re still somewhat new so there’s not as many people buying/selling yet – depending on your area. I think this will change as time goes on though and smart phones continue playing such large parts in our lives. For better or for worse!)

personal capital review

#6. Personal Capital (FREE)

To sign up: PersonalCapital.com
Our full review: Why I Use Personal Capital Almost Every Single Day

This one’s not new, and I don’t personally use it as much as the others I just wrote about, but they have a cult following and people swear by them. And with over 800,000 members now tracking over $150 billion in assets, you can trust they know what they’re doing :)

To quote my boy Justin from RootofGood.com, “It’s like Mint on steroids, but with better portfolio management tools.” In fact, here’s a perfect summary of why he’s connected all 20+ of his accounts to them and why he regularly uses them:

As soon as you log into PersonalCapital.com, you get an instant view of your net worth for the last 90 days and your monthly income and expenses on the Dashboard.  It’s like having a CFO for your personal finances.  Except this CFO doesn’t expect a seven figure salary with stock options – it’s free!…

I still maintain a small fleet of spreadsheets but this is a great tool to see everything in one place and enjoy the beautiful graphics showing financial changes over time.  My spreadsheets only get updated about once a quarter so I can’t rely on them for real time insights into my spending, income, net worth and investments.

The review he did for us is pretty killer (super in-depth and chalk full of real-life snapshots of his account!), and considering Justin recently hit early retirement, I’d say it’s worth a look into ;)

What’s new: they now offer a robust retirement calculator they say is one of the smartest ones out there since it uses your *actual numbers* to forecast the future compared to those you guestimate and add in. Which makes sense of course, since you’d be getting a much more accurate picture that’s continually being updated automatically. They’re definitely worth the consideration if you’re looking for a new (or better) way to track your $$$. Even to just stay on top of your net worth!

Other Helpful Sites I Came Across This Year…

While I can’t list any of these in my “favorites” since only one I’ve actually used myself (and thus, don’t have first  hand experience/excitement over), I want to list them here in case you’re a better target audience for them. Not everyone is exactly like me, thank goodness ;)

smart 401k logo

Smart401k (FREE*)

Sign up here: Smart401k.com
My review here: A Service That Better Helps You Invest Your 401(k) Money

I don’t have a 401(k) anymore since I’m self-employed, but if I did I’d be ALL OVER this as I used to hate trying to figure out what funds to invest in and what percentage/etc/etc. With these guys you submit a little info over (goals, risks, funds your employer offers) and shortly thereafter one of their certified financial advisors will give you recommendations. Perfect for second or even third opinions – especially since it’s free!!

*Normally they charge $200/year, but they’ve waived it for all BudgetsAreSexy readers for a limited time. Be sure to use this link here though or else you’ll be asked for your credit card. You can cancel anytime at no cost, and they won’t automatically renew you or anything like that – don’t worry.

motif investing logo

Motif Investing

To sign up: MotifInvesting.com
My full review: A Creative Way to Invest (+ My First Dividend Portfolio!)

This is one of the first companies I tried this year in an effort to test out new products and get my feet wet with dividend stocks. And while the idea of Motif is actually pretty genius and a ton of people are using them, I’m realizing more and more just how much I prefer my index and similar funds. I’m not the day trader I was back in the day (I was the typical “do not be like that guy!” warnings you often hear) but maybe they’re something up your alley?

In a nutshell Motif allows you to invest in a bunch of stocks or funds all at once – creating your own “fund” – without having to pay a handful of fees to do so. This new bucket of stocks you pick up is called a “motif,” and then you can buy future motifs anytime you want at the same 1-time cost: $9.95. It’ll also be shared with the Motif community there (unless you prefer it not to be), allowing other people to see how you invest in case they’d like to try it too. And vice versa. The minimum needed to open up an account is only $250, and it comes with absolutely no maintenance or inactivity fees either.

So a great way to pick up a bunch of stocks w/out being gorged on transaction fees. I joined 19 other bloggers in a friendly competition using Motif back in January, and it was pretty cool to see everyone’s strategies. I tried the dividend investing route copying my man Jason from DividendMantra.com to learn a little bit, while others went super risky to try and beat everyone out. They’ll either win or lose badly at the end of the year, haha, whereas I’ll be stuck in the middle since obviously dividend investing is more for the long haul ;) I’m currently #11.

UPDATE: Forgot to mention that you can now buy single stocks with them too ($4.95) as well as creating different “motifs.” This makes it easier for people who want to do their investing in one spot.

(FYI: I believe there’s a $100-$150 bonus for any new members who sign up to Motif, btw, though that could have changed)

billcutterz

Billcutterz

To sign up: Billcutterz.com
My mini review: This Week in Money, Apps, and Time Machines

Lastly, if you hate dealing with your bills and/or are lazy in getting them lowered, Billcutterz might be an interesting option for you. What they do is call up all your bills in an effort to haggle them down, and if they succeed they split the proceeds with you, and if they don’t it doesn’t cost a penny.

It’s kinda like my Challenge Everything mission, only you’re cheating and then giving up half your savings ;) But of course any savings is better than $0 savings, so it might be worth looking into (though not sure how the privacy stuff works?)

And there you have it!

The best of the financial companies/services/apps I’ve come across so far this year, mixed in with a few extras. I think I’ve looked at more companies in the past 6 months than I have in the past 6 YEARS! Haha… But hopefully you’ve found them as helpful as my wallet has :) I’m $1,659.17 richer now and much more knowledgeable!

Future reviews to come, my friends… gotta keep that brain active!

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*FUN FACT: this blog’s title was inspired by Justin Timberlake’s “I’m Bringing Sexy Back” that dropped not far behind the launch of this site :) Still one of the catchiest songs ever!

PLEASE NOTE: As always, anytime I mention companies I love and use on this site there’s a good chance I have an affiliation with them and will be compensated when new people sign up (such as most of these services listed here). I never promote/share anything I don’t personally feel is helpful, but it’s always best to do your own research before signing up to anything. I’m no expert to say the least.

 

Jay loves talking about money, experimenting, blasting hip-hop, and hanging out with his two beautiful boys. You can check out all of his online projects at jmoney.biz. Thanks for reading the blog!

{ 71 comments… read them below or add one }

1 Brian @ Debt Discipline August 17, 2015 at 6:31 am

Installed Honey after your initial review. I love how easy it is. I forget it’s there and if I’m shopping online, bam it pops up. Saved $3 the other day when ordering a book online.

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2 J. Money August 17, 2015 at 7:56 am

Perfect!

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3 Thias @It Pays Dividends August 17, 2015 at 6:54 am

I absolutely love Digit! It played a big role in finishing off paying back my student loans as I used the savings it pulled out each month as an extra loan payment. Now I have switched to investing the money it saves every month.

I just love how many financial tools are coming out all the time. It makes staying on top of your finances and saving/investing more so much easier!

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4 J. Money August 17, 2015 at 8:02 am

That is awesome! Way to go!!!

I’m all for using that Digit money to reach your goals faster even if it means pulling it out of your account there. Gotta take advantage of their mechanism the best way you can :)

if you ever want to be showcased on their blog, let me know! I help them put together their “featured members” series and we’re always looking for great stories to highlight.

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5 Talaat August 17, 2015 at 7:20 am

Thanks for this J! Download of Honey is now complete, and I’m about to take a hard look at Personal Capital today.

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6 J. Money August 17, 2015 at 8:05 am

Let me know what you think! About both :)

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7 Mrs. Crackin' the Whip August 17, 2015 at 7:40 am

I too, am highly resistant to change and trying out new technologies. I shouldn’t be that way, but I am. Thankfully, Mr. Crackin’ took the initiative and set us up with personal capital which is awesome. And we love it!

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8 J. Money August 17, 2015 at 8:07 am

Haha good! I’ll admit it does seem to go against minimalism at times, but I figure if you prune back the services to only the ones that work BEST for you/your money over time, it still keeps things simple and manageable.

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9 Claudia @ Two Cup House August 17, 2015 at 7:43 am

As soon as I read your review, I installed Honey and I was able to clip a coupon for Amazon for a household item we needed last month. Win! Thanks for blogging about this!

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10 J. Money August 17, 2015 at 8:23 am

Woo! Free money is the best, right? :)

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11 Millennial Money Man August 17, 2015 at 7:52 am

Looks like I need Paribus to combat my wife’s shopping habit :)

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12 J. Money August 17, 2015 at 10:35 am

Haha… fortunately I married someone more frugal than me!

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13 Natalie @ Financegirl August 17, 2015 at 7:56 am

I’m going to try Honey – I do almost all my shopping online and haven’t tried this yet. Looking forward to it!

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14 J. Money August 17, 2015 at 10:36 am

It’s kinda fun/easy :)

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15 Steve Miller August 17, 2015 at 8:05 am

Thanks for sharing all of these helpful tools. I’ve been using Honey and love it but it looks like I need to look into these other tools as well. Thanks for sharing.

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16 J. Money August 17, 2015 at 10:42 am

Gotta maximize those savings, brotha!

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17 Penny @ She Picks Up Pennies August 17, 2015 at 8:29 am

I definitely have to check out Offer Up. We’re just getting going with some serious decluttering, and I’ve been having success with some sites/apps. But they’re mostly geared towards clothing, jewelry, etc. This seems like a good option for lots of different categories of things!

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18 J. Money August 17, 2015 at 10:49 am

Yeah – it is. Never hurts to have stuff listed in multiple places for best chance to offload too :)

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19 Justin @ Root of Good August 17, 2015 at 8:45 am

Out of all those, Personal Capital is my most favorite (of course!).

It won’t save you money directly, or slide cents and dollars into a savings account.

But it’s power, man. It’s power. You’ll know what you’re making, what you’re spending, and where your money is invested.

And for the heavily informed, that is where the real lifestyle crafting and wealth building comes into play.

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20 J. Money August 17, 2015 at 10:51 am

AGREED.

Knowing where all your dollars are – and how they’re trending – completely transforms your relationship with money. From the second I started tracking my Net Worth in early 2008 it’s been on the up and up! Which never was happening before hand – hah.

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21 Jason @ Phroogal August 17, 2015 at 8:59 am

The digit interest-not-interest is a really cool feature! People really did get peeved about earning no interest.

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22 J. Money August 17, 2015 at 10:56 am

which is funny, because it’s like choosing pennies over dollars! and in most cases, *hundreds* of dollars. unless you’re already squeezing out all your savings efficiently, in which case more power to you for earning more. Though now you’ll prob. earn more w/ Digit :)

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23 Mrs. Budgets @MrandMrsBudgets August 17, 2015 at 9:18 am

I really like personal capital, it is better than any financial adviser I’ve talked to (granted I’ve only had discussions with the fidelity advisers my work provides free of charge).

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24 J. Money August 17, 2015 at 10:57 am

hah! that’s one helluva testimonial.

they need to change out their tagline: “We’re better than any financial advisor you’ll ever talk to” haha…

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25 Will August 17, 2015 at 9:18 am

You gotta love FREE! A lot of people say life is getting more expensive but I’m not sure that’s the case.

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26 John @ Frugal Rules August 17, 2015 at 9:49 am

Nice work on all the savings J$ – has me questioning deleting some of those emails I get. :) I’ve avoided Digit for some reason, but very cool they’ve added the bonus feature. That being said, I love that Acorns has removed fees for those 24 and under. Anything that makes it easier for someone to start investing and have no fees is a winner in my book.

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27 J. Money August 17, 2015 at 11:03 am

Agreed! Even at the $1.00/mo it’s still worth getting into the habit of investing, especially super easy like that. Sometimes all we need is a little push to get it to *click* and then it’s on!

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28 Melissa August 17, 2015 at 9:51 am

Digit isn’t available with my bank, unfortunately, but definitely let us know (if you want!) when USAA or Betterment makes their similar-to-Digit-products available! I love the idea of saving “loose change” in my bank account and would totally sign up if possible!

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29 J. Money August 17, 2015 at 11:04 am

They both already do! Log in or google to learn more :)

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30 Ali @ Anything You Want August 17, 2015 at 11:12 am

I guess I’m old school, the only finance app I use is Mint. I am intrigued by some newcomers like Digit, although I’m skeptical of having an algorithm manage my money. I am interested in OfferUp, as I’ve been wanting to sell some of my belongings and it sounds like an efficient way to do so. Thanks for sharing!

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31 J. Money August 17, 2015 at 2:32 pm

nothing wrong with old school if it gets the job done! :)

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32 Rick August 17, 2015 at 12:08 pm

J$, “I don’t have a 401(k) anymore since I’m self-employed…” Really Dude? You’ve got to get a Solo 401(k) fired up w/Vanguard. Been there since 2009 and socked way the max every year.

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33 J. Money August 17, 2015 at 2:32 pm

I’ve heard Solo 401(k)s are pretty cool, yeah. I rock SEPs right now, but the solos have been on my list to check out for a while… And of course I’d go with Vanguard if I ever make the move :)

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34 Kate August 17, 2015 at 12:50 pm

I’m a huge fan of Digit as well, even though I do a good job of moving money to savings every other week. However, the newly implemented interest still isn’t enough for me to keep my money there. Once I reach $100 I cash out and move the money to my Betterment brokerage account, where it will (hopefully) do much better :)

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35 J. Money August 17, 2015 at 2:34 pm

Investing is always better – agreed :) for those who can’t *find* the extra money to do so, however, Digit and the like come in.

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36 Chris @ Flipping A Dollar August 17, 2015 at 1:09 pm

I’m more old school, but we game the system a bit. We get dependent care at 5k per year. I take the 185 per paycheck that’s reimbursed to me (it’s tax free then) and put it towards our mortgage principal. It helped us get rid of PMI in about a year (just sent over the request this morning) and saved us 5k in PMI payments! BAM.

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37 J. Money August 17, 2015 at 2:35 pm

Dependent care?? Is that from your work? Are they hiring? :)

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38 V. Bucks October 3, 2015 at 9:49 pm

Is that legal? Unless you run a daycare in your home

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39 Connie @ Savvy With Saving August 17, 2015 at 1:47 pm

I didn’t know Digit started offering cash bonuses. That’s awesome. Not much but still something!

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40 Kayla @ The Jenny Pincher August 17, 2015 at 3:08 pm

I’ve heard a lot about Digit lately and I’ve thought about signing up for them, but since I anally check my checking account everyday, I’m not sure I’ll ever have any money that “won’t be missed”, but it’s an interesting idea.

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41 J. Money August 17, 2015 at 3:33 pm

Good habit to have formed :)

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42 Janine August 17, 2015 at 7:00 pm

I’m so sad so many of these aren’t available in Canada. I’ve wanted to try digit for sooooo long!

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43 Kady August 18, 2015 at 6:40 am

I feel the same way Janine!

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44 J. Money August 21, 2015 at 9:34 am

I REALLY hope all these guys extend out there – such massive opportunity for everyone!

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45 Jeremy August 17, 2015 at 10:09 pm

I use my credit card for daily purchases. The only thing that comes out of my checking account is credit card payment and monthly bills. Will digit still work for me?

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46 J. Money August 21, 2015 at 9:36 am

Yep! I manage my $$ the same way. It’ll just analyze your credit card payments each mo. instead of a hundred different transactions that are on the card :) Same output though, so doesn’t change anything.

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47 mobilehomegurl August 18, 2015 at 9:12 am

I’ve heard good things about Digit. I may have to check it out. The others are new to me. Thanks for sharing!

p.s. Interesting fun fact about the website. It’s definitely a catchy song with a catchy title! :)

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48 J. Money August 21, 2015 at 9:38 am

Thanks! Let me know what you think if you end up giving ’em a shot.

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49 Jordan August 18, 2015 at 11:02 am

These sound like some great apps! I’ve been wanting to check out Acorns for a while now – knowing they’ve waived fees for students and people under 24 sounds great. Thanks for sharing!

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50 Crafty Girl August 18, 2015 at 3:29 pm

I am a huge fan of Digit.

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51 NDQ August 19, 2015 at 8:41 pm

I don’t use many apps except Mint, but I support whatever means necessary to increase savings so that money can buy investments.

NDQ

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52 J. Money August 21, 2015 at 9:50 am

Exactly. Doesn’t matter how you figure it out as long as you eventually do!

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53 EL August 20, 2015 at 1:32 pm

Seems like all of them are really good tools to upgrade finances this year. Saving money, investing, and getting discounts are things that make me happy, so I need to jump on these apps soon. Thanks J>

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54 Generations Thrift Store August 20, 2015 at 9:54 pm

Saving money feels so good! I’m really thinking about opening up a digit account.

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55 J. Money August 21, 2015 at 9:50 am

let me know what you think if you do!

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56 R August 21, 2015 at 4:05 am

I use ebates. They give a % back in certain categories and have codes for % off.

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57 J. Money August 21, 2015 at 9:51 am

They’re great too :)

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58 Retire29 August 27, 2015 at 1:19 pm

J$,
A new favorite money saving tool I came upon a couple weeks ago is Ibotta. It’s an app for your phone where you take photos of your receipts (groceries for me), and it matches them with available coupons on their app. Most of the items I get coupons for are $0.20-off for milk, eggs, bread, bananas, peppers, cereal, and tons of other staples. However, they also have hundreds of coupons for brand name groceries and merchandise. Two weeks in, I’ve saved $7.65–so that’s good enough for me to keep using it.

Eric

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59 J. Money August 27, 2015 at 4:23 pm

Nice! Never heard of before – it’s going on my list to check out :) Thanks man.

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60 Stephanie August 29, 2015 at 9:29 pm

Thanks for this list! I actually used Offer Up after a friend suggested it and sold 2 chairs for like $70 bucks that was so simple, I immediately started looking around for things that I no longer needed. It made me think that before I throw something away maybe I can sell it or at least advertise it for free to someone that wants to pick it up.

I now have Digit, Acorns, Paribus and Honey thanks to you! Im excited to see how it all comes out! Thanks for such an informative list!!

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61 J. Money August 31, 2015 at 3:14 pm

Rock on Steph!! Look at you go!

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62 Elle September 23, 2015 at 1:12 pm

I love all your posts! You have inspired to keep track of my finances.

You should add Ibotta as an cash-saving app. Recently, i’ve been able to get almost 4% back on the cost of my groceries in addition to using coupons. It’s pretty neat.

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63 J. Money September 25, 2015 at 1:25 pm

I keep hearing about them! Still on my list to check out :)

(also – loving your blog name!)

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64 Lokaty September 24, 2015 at 6:57 am

I use Digit – for me is also no 1 apps ! :)

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65 J. Money September 25, 2015 at 1:24 pm

cool! it’s my fave too. maybe outside of Twitter’s :)

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66 Elle November 6, 2015 at 9:45 am

I had the same experience as you with OfferUp. I signed up in August 2015 and got a few offers, but many are low-ballers, trying to get stuff for free.

Then my luck change when I changed the way I was marketing what I wanted to sell. A REALLY good picture with good lighting can go a long way to encourage people to buy your stuff.

So far I have made 91$ selling on OfferUp. I made side money AND I declutered our place! WIN-WIN! My husband is so proud of me. lol

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67 J. Money November 7, 2015 at 4:07 pm

Way to go!

I hear they just raised like $100 Million too in funding so apparently they’re really taking off :) Should mean more people start using them too which will = easier to sell stuff!

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68 jay November 24, 2015 at 8:00 pm

An app i did not see listed is receipt hog. scan your receipts for coins that can be reedemed for PayPal or Amazon gift cards

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69 J. Money November 25, 2015 at 6:28 am

interesting, will have too look into that – thx!

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70 Pete November 25, 2015 at 10:39 am

You can start investing in stocks on Loyal3 for as little as $10 and no fees. re-invest your dividends..

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71 J. Money November 25, 2015 at 3:32 pm

Yup! They’re making the rounds in the $$ blogging world for sure… them and Robinhood.

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