Anyone can save money. Just spend less of it—live on the bare minimum, live cheaply, and you’ll grow a small fortune. But that’s no hack. 

Hacks are exciting. Hacks make your life more efficient. Once you learn a hack, you wonder how you survived without the clever skill. 

So let’s learn some. Here are 11 Money Hacks you can start using today.

1. $20 For Grocery Shopping – Ibotta 

Grocery shopping is intolerable. Maneuvering through tight isles, having people stand directly in front of the food you need, choosing the slowest checkout line… it’s enough to irritate the Zen out of a monk. Luckily, Ibotta makes the trip a little more enjoyable for us all. 

The Ibotta app pays you *good money* to grocery shop. All you have to do is take a picture of your receipt, and virtual money is immediately deposited into your Ibotta account. 

Is Ibotta legit : Ibotta App Review

Next, redeem that Ibotta money for cold, hard cash. Grab yourself a gift card to Starbucks, GameStop, Olive Garden, or any of your other favorite locations for spending money, OR transfer your Ibotta money into your PayPal account. 

What’s more, when you download Ibotta using this link, a bonus $20 will automatically be deposited into your account after saving money on groceries for the first time. Not too shabby. 

Want to hear even more ways Ibotta can save you money? Check out our Ibotta explainer video, here!

Check out ALL the deets on the Ibotta app in our full review!

2. More Coffee Flavors – Keurig 

There are 3 problems with Keurig K-cups:

One, they’re expensive. Two, they’re bad for then environment. And three, your coffee selection is limited. Why limit yourself to 20 K-cup brands when there’s a cornucopia of coffee flavors waiting to be tasted? So let’s set up your Keurig to brew any and every coffee favor while saving money in the process. 

You’ll need to invest in two items:

1. Reusable K Pods: I use these pods every day. They’re dishwasher safe, super easy to clean, and are built to last. I’ve had mine for a little over a year, and they still look and feel brand new. They do have one downfall though: the mesh is very porous. If you don’t coarsely grind your coffee beans, grounds will slip through the mesh and into your coffee. But a coarse-grind coffee also results in a week cup of coffee—we don’t want that. That’s why you need item number 2.

Get the Reusable K pods on Amazon

2. K Pod Filters: These filters nestle perfectly into Reusable K pods to keep all unwanted grounds out of your coffee. With these filters, you are free to grind your coffee extremely fine so that each brew is flavorful and strong. 

That’s it. With this Keurig setup, every coffee bean is yours to taste at a fraction of the price. What’s more, you’ll also help the environment—no more plastic K-pods. Have fun becoming a coffee-by-the-cup coinsure. 

Get K Pod Filters on Amazon

3. $10 For Shopping Online – Rakuten (formerly Ebates)  

Having a secret, 15% off promo code while everyone else is paying full price feels devious and satisfying. 

So what if you knew every coupon code for every online retailer (Amazon, Vitacost, Turbotax)? And what if using those coupon codes meant being rewarded with bonus Cash Back? 

Rakuten (formerly Ebates) makes this possible. Rakuten *automatically* applies coupon codes your online orders AND gives you free Cash Back. All you have to do is click Check Out, and free money will immediately appear in your Rakuten account. 

Here’s how to set up Rakuten so that it works automatically. 

  1. Create your free Rakuten account here
  2. Download the Rakuten button to your bowser (This allows Rakuten to work automatically)
  3. Watch every coupon code and cash back opportunity get automatically applied to every online order

One last Rakuten surprise: when you create a free Rakuten account here, $10 will be deposited into your account after your first shopping experience with Ebates. 

Already have Rakuten but always forget to use it? Download the Rakuten Button here and start saving money automatically.

For more information on Rakuten and how it works, see our full Rakuten review.

4. Automatic Cash Back Rewards – Dosh 

Want to double-up on your credit card points?—or transform your debit card into a veritable Cash Back Rewards Card?

Dosh, a free smartphone app, pairs to your cards and automatically collects Cash Back rewards as you swipe your card at one of their 1,000+ partnered locations: 

  • Walmart – 3% Cash Back
  • Target – 1.5% Cash Back
  • Walgreens – 6% Cash Back
  • Exxon Mobile – 2% Cash Back
  • Guess – 5% Cash Back
  • Patagonia – 6% Cash Back
  • Bed Bath & Beyond – 7% Cash Back
  • Jiffy Lube – 10% Cash Back

Download Dosh Here, and you’ll find a $1 bonus in your Dosh Wallet after linking your first card.

Worried about linking your card to Dosh? Find out all the deets on their extensive safety measures (including their 256-bit bank-level encryption technology) in our Dosh review.

Related: Looking for apps to effortlessly save money? Check out our 11 Best Money-Saving Apps You Need to Download Today

5. Cash Back at the Pump – Upside 

High fuel prices might be eating away at your paycheck, but there is a way to make your fuel dollars travel farther when you get Upside, a free, cash-back app that will put money back into your pocket.

Upside, formerly GetUpside, is an app that will get you cash back at gas stations, grocery stores, and nearby restaurants with just a few taps. 

When you download the free app and sign up, you will see cash-back discounts and exclusive offers in Upside. Claim your offer, visit the establishment, complete your transaction, pay with a linked debit or credit card, check-in, and wait for your cash back rewards to roll in.

Upside works at 45,000 locations across the United States. It started as a cash-back app for gas but has been adding grocery and restaurant chains. 

Get paid via PayPal, bank account, or gift card. Start earning cash back at nearby stores when you install the Upside app. Use the promo code AFF20 to grab a 20 cents-per-gallon sign-up bonus. Get the free app today.

6. Earn Gifts While You Walk – Sweat Coin

Start taking brisk walks around the neighborhood and you will:

Also See: Top Immunity Boosting Food & Vitamins

And of course, you will save money! If you’re walking outside, you’re not watching TV (saving on power) or eating (saving on food) because you’re bored. You’re being proactive with your health. Start walking now, and you will save tens of thousands in future medical bills.

But if your health and wellness isn’t enough of a motivator (no judgements, it wasn’t enough for me either), try SweatCoin.

Earn rewards for walking outside with SweatCoin. The app tracks your location and uses your phone’s pedometer to track your steps so that you can earn rewards. It’s a very productive way to get a free gift from their marketplace.

Download the free SweatCoin app here and start earning free gifts for your steps!

7. Everything is 2% Off – Credit Cards

You have two options when it comes to credit cards: you can either go into debt and pay a fortune in interest payments, or you can earn free money. 

We make $1,000+ every year with our credit cards. Our main card gives us 2% cash back on all purchases. Our travel card allots us free checked baggage and one free plan ticket every year. We also have multiple retail credit cards which offer huge cash back offers (the Express Next credit card offers 8% cash back on every purchase).

Check out the Best Reward Credit Cards in 2020 here (we use #7)

Find your favorite Travel Credit Card in this top list here

The secret to never going into debt with a credit card? Budget. You’ll spend your money the exact right way, every month which means you’ll never take on another dime of debt, ever again.

8. Step Away From Overthinking – Read 

Step 1. Create a Goodreads account 

Step 2. Find a high-rated book with a synopsis you find interesting 

Step 3. Read it (or get the audiobook) for free* 

*Take a family trip to the library to get everyone their own library card. 

I can’t explain why a trip to the library is so gratifying… maybe it’s the sense of being productive… maybe it’s the feeling of being part of a  community… or maybe it’s because everything in the library is free. The computers are yours to use, the movies and documentaries are waiting to be watched, the CDs are yours to take home and download to your playlist, and the books and audiobooks are yours to read. 

Now, I understand if you’re not a fan of reading. But if you haven’t tried listening to a book, do yourself a favor and pick up an audiobook (maybe one of our favorite personal finance books!). They make is so easy to become completely immersed in another world, giving your mind a chance to forget about money, chores, stress, work, and everything else that’s been weighing you down. I know this sounds cliché, but it’s only because it’s true. Find a good book on Goodreads, check it out for free at the library, and I promise you won’t regret it.

9. The Exact Right Way To Spend Your Money – Budget

What is the most efficient way to spend your money? How do you pay the bills, become debt free, grow your savings, save money for retirement, AND still have a little stash of fun money to buy random stuff at the mall? 

The only way is to become hyperaware of your income and expenses. You have to budget. 

A budget isn’t some gimmick that tricks you into living on the bare minimum. When done correctly, a budget is a simple yet thorough representation of your monthly financial situation. It brings clarity to your money. The most efficient way to spend your money becomes glaringly apparent. You will know how to be responsible with your money, watch it grow steadily and consistently every month, become debt free, retire with the most money possible, and, most enjoy your money! So if you’ve ever wondered what your life would look like if you knew the exact right way to spend your money, consider starting budgeting.

Free Workshop – Join our free Simplify Money Workshop

The *only* way to save money is to spend less than you earn. That means you need to decrease your expenses or increase your income.

We want to help you do both.

Join our FREE Simplify Money Workshop to learn the fundamentals of growing wealth. Because when you can spend less than you earn, your money has no choice but to grow. You will build your savings and pay down debt. 

What’s more? We’ve got a bunch of free money-hacks to share with you:

  • Hacks to lower your monthly bills
  • Hacks to spend less on debt
  • Hacks to start investing
  • Hacks to increase your income by $20/month (with no extra effort)

This workshop has everything you need to accomplish the cardinal rule of personal finance: keep your income over your expenses.

Join our free 5-day Simplify Money Workshop, and start growing your wealth today.

10. No Brainer Investment – Banking 

Your bank is paying you to bank with them—they are paying you interest on the money you have in your savings account. 

Do some bank shopping. See which banks are offering the highest interest rates and make the switch. 

CIT Savings Builder

CIT is a great place to save your money. Why? Because CIT Savings Builder pays an APY 5X more than the average savings account (APY national average = 0.08%).

When you transfer your money into a CIT savings account, your money is set up to grow. It’s out of your checking account (which means no accidental spending) and it’s collecting massive interest. Best of all, you can easily transfer your money back into your checking account at any time.

Ready to earn 5X the interest with CIT? Toggle on the Auto Direct Deposit to have $100/month slide into your Savings Builder account, and you’ll earn CIT’s top interest rate. (See CIT’s Live banner below for their current APY.)

Savings Builder

Get Amazon Prime Free for a Year

For a limited time, when you open a CIT Bank Money Market Account, you will receive a free year of Prime (even if you already have a Prime membership)!

Here’s how to get your free year of Prime: Open a CIT Bank Money Market Account and enter the promotion code AMZN22. Maintain a balance of at least $15,000 for 60 days. At the end of the 60 days, you will receive a Prime code to use.

CIT Bank makes it easy to open an account. Your money is insured by the FDIC, and there are no monthly service fees. Open a Money Market Account today and claim your free year of Amazon Prime.

Open a CIT money market account, earn an APY 5X the national average rate, and score free Amazon Prime for a year!

11. Spend Less On Data – Cell Phone Plans

With AT&T, we pay $75/month for 20GB of data. If you want to drastically decrease the cost of your monthly cell phone bill and substantially increase your data, call your cell phone provider and ask them about their Prepaid cell phone plans. 

For more information on how we save so much money on phone service, check out our cheap cell phone plans article.

12. Save On Shaving – Safety Razors

Guys, your Gillette, disposable razors heads are costing you a fortune. I’ve got the perfect, high-class shaving set up that will easily save you $100+ every year. 

Vikings blade:  I like this razor because you can switch out a blade in 5 seconds (compare that to other safety razors that require you to take the razor apart to replace the blade—a 45 second process). Plus it comes with a sweet carrying case. I’ve had mine for over 6 years, and it looks like new. 

Personna Double Edge Razor Blades: This box contains 100 blades, individually wrapped in paper, and made here in the USA. The shave is smooth and sharp, and each blade lasts me about 5 shaves each. That’s 500 shaves, almost 2 years’ worth of shaving,  for a cheap box of blades.

Alright, those are our FAVORITE money life hacks that help us save and make money right now!

Do you have any favorite money hacks you use every day? Let us know in the comments below!

Be sure to follow us on Pinterest for more money hacks and tips!

Want to save these hacks for later? Pin this article here.

Up Next: 7 Frugal Tips From the Great Depression (+ how to improve them)

money saving tips great depression

Save More Money! Read these next…

Savings Hacks for Your Favorite Stores: