Wow, 2020. Where did the time go? So I’ve been on this blog for two years, and it’s been almost as long since I’ve actually posted something. I guess I’ve been too busy living life to actually write about it, as I’m sure most of you can relate. My main focus for this blog is living beneath your means, and with that comes budgeting. I’m going to be honest here, I suck at budgeting. I basically get my paycheck, pay the bills that are due before the next paycheck, and then panic that I won’t survive the next two weeks on what’s leftover.

I currently have $3,500 in credit card debt that I am chipping away at, plus a car loan, insurance and the usual monthly expenses. My income is roughly $1,200/month, and living with family is saving me from housing expenses. But with the use of the following apps, I’ve managed to save over $1,500.

1. Stash
Stash is a free app that teaches you how to buy and sell company stocks. Use my link and we both get $20! Plus with the stash debit account, you earn stock shares in the companies and brands that you shop with everyday.

2. Qapital
I’m saving money faster with Qapital. With Qapital, you can round up your everyday purchases and bill payments into your savings account. I have mine set up to round everything that comes from my debit card up to an even two dollar amount….so if that Starbucks coffee cost $4.95, $1.05 goes into my Qapital account. These little things add up quickly, but you won’t even miss the spare change from your checking account. Sign up today with my link or code yj59r929 and we’ll both earn $5!

3. Albert
Albert is a savings app that analyzes your spending and then pulls money from your checking into a savings account. If you link all the cards you use on a daily basis, Albert will also categorize your spending and let you know how you rank among your peers. It will tell you how much you’ve spent on subscriptions, dining out, savings, and bills. With this app I’ve learned to cut back on which credit cards I use often, because not all banks are supported. I like having my spending mapped out for me like this. (I do not currently have a sign-up link for this app.)

4. Long Game
Long Game is a savings “jar” that earns you coins to play games with. Your savings with Long Game earn .1% interest, and you can win money playing the games. The more you save, the more coins you receive to use on games which pay out in cash and coins. Games include scratchers, slot wheels, flip cards and others. Come play the savings game with me! When you join Long Game with my link we each get $5.

I hope these apps will help you save for whatever your future holds. Let me know in comments which savings apps you use, and how you’re working on becoming debt free.