We partner with some awesome companies that offer products which can help our readers. If you make a purchase through one of our partner links, we may receive a commission at absolutely no additional cost to you! Please see my Policy & Disclosure page for full details. 

It’s now month 25 into our debt free journey and still can’t believe we’ve paid off $101,059 so far. Here’s a chart to get a good look at our progress so far.

Just goes to show you that paying off debt happens over time.

Little by little, day by day, any small progress will get you closer to your goal.

At the end of each month, if you get any money left over from budgeting or found money from saving, throw it at debt. That’s how you can make progress towards knocking out debt.

If you’re looking to get a kick start for your own debt journey start off by grabbing a debt thermometer and enroll in the free 5-day Debt Free Bootcamp below.

Have Fun During Your Debt Payoff Journey

Covid-19 has really put a damper on travel this year.

Safety is a real concern and there’s no way we wanted to travel outside the country while this pandemic was going around.

Before this year is up we still wanted to do some fun things while staying safe.

Last month, we went to Six Flags and were pleasantly surprised how they kept up with social distancing allowing people to have fun safely.

This month we decided to go back for a nice little weekend getaway again.

If you’re starting your own debt free journey, make sure that you’re still setting some room for fun. It’s important to do that because you don’t want to sacrifice the things you love to do while getting out of debt.

Becoming debt free doesn’t have to be a miserable process full of giving up on the things you love to do.

Squeeze in some fun here and there without having to break the bank doing so.

Let’s find some ways for you to have fun and pay off debt at the same time.

Use Travel Reward Cards

Did you know that credit cards will reward you with bonus points that can cover your travel and trips?

There’s a lot of credit cards out there that are currently offering mega points for using their cards.

This is how my husband and I travel for free during out debt free journey.

This doesn’t mean going out and applying for tons of travel cards, you’ve got to figure out how to best get the most out of these cards without going further into debt.

We’ve learned the hard way when it came to credit cards. Before our debt free journey, we had 8 credit cards with over $33,000 on them.

We knocked it all out and now use 1 single travel rewards credit card at a time, paying off the balance in full each month.

What I’m suggesting is, use only 1 single travel rewards card and use it for all your monthly expenses. Pay off the balance in full every month. This will help your credit score and allow you to get those promotional bonus points.

At the same time, if you have other credit cards, pay minimum payments on the rest and work your way towards knocking them out of your life as you move forward in your own debt journey.

This method has helped us tremendously with finally learning to use credit cards properly and reaping all the benefits credit cards has to offer.

Use Rakuten & Orbitz

Before you book any trip, always check Rakuten first to see if there’s any cash back offers before booking.

Rakuten is one of my fav sites when it comes to getting cash back online.

It works very simply like this:

• Join Rakuten
• Find your online retailer (Macy’s, Amazon, Walmart, Orbitz, Travelocity, thousands more)
• See if there’s any cashback deals
• Click on the store link where it sends you directly to the online retailer
• Or simply download the Rakuten Chrome Extension which will easily show you right away how much money you can get back when shopping online
• On the backend, Rakuten will get you money back for your purchase
• Once you reach $5, get your money via PayPal or a check mailed to you

So far I’ve made $51.46 + another $50 on my other Rakuten account that gives me a total of $101.46. Over $100 in cash back from shopping online, money that would’ve been lost if I didn’t use Rakuten.

It’s definitely worth checking out so you don’t miss out on any cash back from shopping online.

Orbitz

Orbitz is one of my go-to travel sites. They always seem to have the best prices when it comes to travel + hotels.

Another thing I like about Orbitz is that they give cash back in the form of something called Orbucks.

Say for instance you booked a hotel through Orbitz at $100, you’ll earn 4% back which gives you $4. With the Orbucks, you can apply it towards your next booking with Orbitz.

Don’t knock these cash back offers guys, it may not seem like a lot but over time they definitely add up. Next thing you know, you can have enough to pay for your next trip.

For this recent trip to Six Flags, I received $6.23 cash back from Rakuten and $5.34 from Orbitz, which gives me a total of $11.57.

I love getting money back don’t you? Try Rakuten and Orbitz out before you book your next travel.

Earn Free Money Playing Games

Did you know you could actually get paid to play games on your phone / ipad?

That’s how I earn a bit of side money whenever I get some free time at night watching TV.

Swagbucks is where you want to go to get paid to play games on your phone or ipad. Swagbucks also rewards you for surveys, polls, questionnaires, trying apps, watching videos, shopping online, submitting receipts, and more.

However, I mostly use Swagbucks to pay me to play video games which is so easy and awesome.

How to get paid playing games with Swagbucks:

• Sign up for Swagbucks
• Find a game listed you would like to try
• Get the downloadable link to the game via your e-mail
• Make sure to fulfill the Swagbucks rules to redeem your points (example: reach level 15)
• Play the game and get rewarded with Swagbucks

It’s super simple and legit guys!

So far I’ve received 14,010 SB points which is $140.10 mainly from playing games on my phone.

During your spare time, earn some side money playing games, trying apps, filling out surveys and more on Swagbucks.

Should You Still Make Payments Towards Student Loans?

So, I currently have only 2 remaining debts. 1 is my student loan and the other is a personal loan from family.

At the moment federal student loan payments should be suspended for everyone and there’s no interest accruing, which is awesome for now.

This is totally up to you whether or not you would like to continue making payments.

I am still making payments towards my student loans for 2 reasons.

First reason is that any payments made during this time goes STRAIGHT to principle. This basically means that your money goes a lot further to knock out this debt.

If there was interest involved, any payment you make will get split going towards interest and principle which ultimately slightly weakens how far your money goes towards knocking out this debt.

Second reason I’m still making payments is that my current balance is slightly over $17K. I’m aiming to get it down to at least $10K.

As you all may have heard, there’s a lot of talk about student loan forgiveness. I’ve been following closely on this issue and it’s looking like President-elect Biden may want to forgive $10,000 all across the board for everyone who holds federal loans.

If you have federal student loans $10K and under, it may not be a bad idea to hold off on making payments until this process goes through.

Since student loan payments are on hold, this may also be a good time to build your savings if you need to.

Nothing is written in stone yet so we’ll have to wait a few months before we see any promise upheld. Just make sure to save some money to cover student loan payments if they don’t extend the pause on payments or if loan forgiveness doesn’t ever go through.

Takeaway

So remember guys, it’s important to set some time to have fun in your life even though you’re in the process of paying off debt. Also, keep in mind that you can find ways to travel for free and get the most bang out of your buck by using the right travel rewards, Rakuten, and Orbitz.

Let’s also hope that $10,000 worth of federal student loans will be wiped out, fingers crossed!

See you all next month!

By the way.. If you haven’t started your own debt free journey, start today! Try out my free 5-day Debt Free Bootcamp that’ll give you some awesome tips to help you take control of your money and get debt free!

We partner with some awesome companies that offer products which can help our readers. If you make a purchase through one of our partner links, we may receive a commission at absolutely no additional cost to you! Please see my Policy & Disclosure page for full details. 

It’s been 24 months since we got serious about paying off our $127,229 worth of debt. We officially broke the 6 figure mark by paying off $100,479 so far!

Woot woot! *Hands in the air*

This month we decided to make a large lump sum payment towards my student loan, $10,000 to be exact.

You may be wondering where in the world did we get this money?

It was mainly from our emergency fund.

If you’re ready to start on your own debt free journey and start knocking out some debt easily then grab the free debt thermometer and enroll in the 5-day Debt Free Bootcamp.

Knowing when to take money out the emergency fund

Prior to Covid, we were paying around $1,600 diligently towards out debt. That all came to a screeching halt once the pandemic rolled around.

To be on the safe side, we were saving a lot of the money plus there was no real urgency to pay off the student loan and personal loan from family due to 0% interest.

You may also be wondering why in the world would I pay down debt when there’s 0% interest?

When a debt item has 0% interest, that means 100% of your payment goes towards knocking out the principal instead of any of it going towards interest.

Basically, your money goes a lot further when you’re paying something off with 0% interest.

Now, being more than 6 months down the road since Covid we felt it was alright to let go of a portion of the emergency fund.

Sometimes having too much in the fund doesn’t do any good for ya.

Everyone’s situation will be different.

Generally, try to stick with an emergency fund of 3-6 months and keep it in a high yield savings account. Anything more than that, you’re probably better off paying down debt or investing.

Read More: 5 Tips to Build Your Emergency Fund Fast

Enjoy life while paying off debt

I’m ALL for reaching your goals without being miserable.

Getting out of debt doesn’t mean you can’t have fun. Forget everything you’ve heard about people who don’t go on vacations or enjoy their life while getting out of debt.

That’s not the way I want to live my life and I’m sure that’s not how you want to live either.

Why? Cause you only get 1 life, so you should enjoy it!

Yeah, you’re probably thinking we may have enjoyed ours a little too much, winding up in over $120,000 of debt. Oops!

Anyway, we’re fixing it now, that’s all that matters.

So, we’ve figured out how to travel for free.

Once we paid off our credit cards, our credit scores naturally shot up!

Mine’s at 836 now.

That meant we were able to get awesome travel reward cards.

Read More: 15 Tips to Get Your Credit Score to 800’s

If you want to travel for free, apply for reward cards once your credit is good (generally 700 and up), check what your credit score is for free at Credit Karma.

Important Tip: Instead of using multiple cards, use only 1 for all your bills, that way you won’t rack up too much debt. Also, apply for 1 reward card at a time so you don’t spread yourself thin with all these cards.

This month we went on a small trip to Six Flags, and stayed at a Marriott for 2 nights (free with our Capital One Venture Card).

We love the Capital One Venture Card, we nearly racked up 160,056 worth of points which is simply equal to $1,606.

How did we get so many points?

My husband applied for one when they offered a promotion of 70,000 points then after we redeemed all those points, I signed up for one and received 50,000 bonus points. The rest of the points came from regular purchases.

One thing to keep in mind when getting these reward cards is that they will offer huge bonus points but only if you spend a certain amount.

For instance, with Capital One Venture, they offer 50,000 if you spend $3,000 within 3 months or 100,000 points if you spend $20,000 in 12 months.

It’s easy to meet that spending requirement if you put all your bills and expenses on 1 single card. That’s what we do.

We went from having 8 credit cards with over $30,000 in credit card debt and now we use only 1 for all expenses and pay it off in full each month.

That’s the key to improving your credit and to have credit cards work for you instead of against you.

Getting out of debt, especially high interest credit card debt, is one of the most important things my husband and I did. It freed up so much of our money, our credit scores improved, and we received up to 520,000 = $5,200 worth of rewards bonus points.

Turn things around, make the credit card companies earn your business, get out of debt while traveling and having fun too.

Read More:

How to Get Out of Debt with these 5 Tips

Las Vegas Trip on a Budget with Free Flights

How to Get a Free Cruise

How to Spend only $200 on a 5 Night Cruise to Mexico

Use Rakuten to Book Travel

Prior to any booking of a trip, I always check out Rakuten to see if there’s any cash back offers.

Luckily, they were offering 3.5% cash back for our Marriott stay. I should expect to see around $6 back from going through Rakuten on to Orbitz.

Another bonus is when you book with Orbitz, you’ll get something called Orbucks which is their own cash back program. We’re getting back $5.34 for our stay at Marriott.

So in total, we got the Marriott stay for $196.37 for free with the Capital One Venture Card, also we’re getting back $6 from Rakuten and $5.34 from Orbitz.

It may not be much but it’s still something, we’ll have $11 more bucks to claim instead of losing out on free money.

Still using cash back apps

I don’t know about you but I looove getting free money.

I’m still using cash back apps to make every hard earned dollar work for me. What’s even better is I don’t have to put in too much effort to get some extra cash back.

Last month I told you guys that I’m using Ibotta, Fetchrewards, Receiptpal, Rakuten, and Honey. This month I’ve used Groupon and Getupside in addition to those other cashback tools.

Find the best deals on services with Groupon

I use Groupon to get the best deals for local businesses. This month I found a great deal for an oil change on Groupon.

There’s a lot of oil change places around me but a lot of them charge over $30 just for my small car. So instead of settling for the $30, I went on Groupon and found an oil change place less than 5 minutes away and paid only $21 with taxes and everything.

Groupon is so easy to use. First you can go on their website and type in whatever service you’re looking for.

They have any local business you can think of from oil changes, beauty, spa, tickets to events, laser hair removal, and so much more. When you find the perfect deal, you’ll purchase it through Groupon and print out your voucher. Then you can bring the voucher to the store/shop and have them scan it, get your service done, and you’re out. Easy Peasy.

If you can find the service you’re looking to get for much cheaper on Groupon, why not take advantage of the savings?

Get money back at the pump with Getupside

Getupside is another app I started using. It gives you cash back when you get gas or get food.

You can get up to .15 cents back for each gallon or up to 15% off food.

Let’s say you pumped about 16 gallons worth of gas, you can get back $2.40 cash back with .15 cents back per gallon. All you have to do is choose the gas station you’re planning to pump at and scan your receipt. It’s super easy to use.

Once you reach $10 then you can get a free gift card. There’s nothing better then getting money back for something you’d normally be buying anyway.

Making some money by playing games on Swagbucks

When I wind down for the night, I watch TV for a couple of hours in the evening with the hubby. I’ll take my phone out and start playing some games through Swagbucks. They offer good amount of points just for playing games.

Recently I earned 500 swagbucks = $5 just for playing one of their games. Currently, I’m in the process of playing 2 of their other games.

Now, I’ve reached over 2134 swagbucks which is equal to $21.34. I could probably cash that in to get a full tank of gas but I want to wait till it builds a lot more. But hey, that ain’t bad for doing something solely while I’m bumming around watching TV.

Automate your savings with Honey

Remember when I told you that I always look for cash back opportunities when I shop online via Rakuten or Swagbucks? Well, what do you do when those sites don’t offer any cash back?

For instance, this month I bought an adjustable bed frame on Amazon. I checked Rakuten and Swagbucks to see if there were any cash back offers for the bed frame. Unfortunately, this month they didn’t have any deals. I decided to buy the bed frame anyway. As I was checking out, my Honey chrome extension kicked on and found a coupon code for me for $20 off. I was happy about that!

The best part was, I didn’t have to do any searching to get the deal on the bed frame from Amazon, it was all automatic. I highly recommend signing up for Honey to get automated coupons applied for your online purchases. Honey also gets you something called Honey Gold which is a cash back bonus program.

You could earn as much as 1%-20% cash back when you shop online or 300 – 300000 Honey Gold back.

All you need to do is download the Honey chrome extension for free and it does all the savings for you automatically, you don’t need to go fishing around for deals online.

Earn cash simply by uploading receipts

If you’ve been following my other debt free journey reports, I mentioned that I earn points which convert to cash or gift cards simply by uploading receipts.

Receiptpal

This month, I earned enough points on Receiptpal to earn a $5 gift card, which is awesome. Why was it awesome you ask? Cause it was free money! That’s enough to get myself a free $5 Amazon gift card. All I did was scan some receipts, that’s all.

Try it out, instead of throwing your receipts in the trash, save them and scan it for points. Those points will get you free Amazon gift cards.

I literally uploaded any receipt I get, from store receipts, restaurant receipts, gas receipts, oil change receipts, and more.

Fetch Rewards

With the same receipts I used for Receiptpal, it can also be used for Fetch Rewards. Double whammy!

The only thing is, for Fetch Rewards you’ll probably get a lot more points for grocery receipts. You’ll also get tons of points for buying products with the brands listed on their app.

For instance, when I upload a grocery receipt I can earn anywhere from 75 points up to 200 depending on what items and brands I purchased. For gas and other store receipts, I can earn anywhere from 5 to 25 points. Overall, it all adds up.

Once you reach over 5,000 points, you can get free yearly magazine subscriptions or gift cards.

Ibotta

So far, I built up $67 using Ibotta which is a cash back app that gives you money for uploading your grocery or store receipts. I also don’t really have a huge grocery shopping list since it’s just me, hubby, and 2 doggies.

If you’re shopping for an entire family, imagine all the cash back money you can get.

Basically, I could redeem the $67 for cash via PayPal or get giftcards which is great! It’s enough to get a week’s worth of free groceries!

All you pretty much have to do is go into Ibotta, pick the store you plan to shop at, and start adding grocery items to your list. Once you’re done shopping, upload your receipt and you’ll get cash back for all the items on your list. Some items may require you to scan the product bar code which is not a big deal.

Savings Hack: Use Ibotta to get cash back on your other online shopping like Ulta, Amazon, Groupon, Macy’s, JCPenny, and so many more other stores. For Groupon, you’ll get 10% cash back going through Ibotta.

Saving money by cutting the cable without missing out

If you missed my last few posts, I talked about how I decided to cut the cable and went with Philo.

Philo is a streaming service where I pay $20 a month but we’re able to stream live cable network channels.

We mainly watch shows on TLC, MTV, AMC, Discovery, and a few others. It turns out Philo had all the channels we watch on there. By cutting our cable we saved over $92 on our cable bill, that’s $1,114 a year.

So far, it’s been awesome plus the savings is even better.

If you have a streaming device like a  Roku, Amazon Fire Stick, or Apple TV then you can definitely try Philo out for 7 days free before committing to cutting your cable.

It’s definitely worth considering, you could be saving A LOT of money.

The only downside I can think of with Philo is that you won’t get your local channels but that’s where Locast comes in. It’s a non-profit service where you can stream your local channels for free as long as you have internet.

Locast offers their service in most major cities, if they don’t have your city listed then the next alternative would be to get an antenna to receive local channels for free.

Takeaway for September 2020

Man, where’s all the time going? This month flew by! We paid off over 6 figures worth of debt so far, $100,479 to be exact. *Whew

Tip 1

So this month we were able to knock out $10,000 towards my student loan. That money came out of our emergency fund. If you also have a savings fund in place, see if you have enough in there. Remember, you don’t want to keep anything more than 6 months in a savings fund especially if you have debt or want to invest.

Tip 2

If you’re trying to get out of debt, don’t deprive yourself of having fun. All you need to do is plan it well. If you have good credit, apply for cards like Capital One Venture to get those major bonus points. Use the points to get free travel on flights, hotels, cruises, vacations, statement credit, and more.

Also, use credit wisely. Stick with 1 credit card and use only 1 for all your expenses. Maybe 2 at most but it’s better that you don’t spread yourself thin. Using 1 card and paying off the balance in full will help your credit significantly plus you’ll qualify for bonus points fast.

This month we were able to get a $197 hotel stay completely free with the Capital One Venture Card.

If you don’t qualify for bonus points then create a small saving fund for your next trip. For instance, I have a category in my budget for things like “Vacation”, “Fun Money”, “Trip to Wherever”, etc. We save money each month for those categories and the next thing you know it has enough in there for a trip.

Tip 3

When booking a trip, use Rakuten first to get cash back on your trip.

For instance, we went on Rakuten to get the cash back offer for Orbitz. From Rakuten, they send you directly to Orbitz’s site where you can book your trip as usual. You’ll get cash back on your trip from Rakuten. Also, if you use Orbitz to book the travel, you’ll get something called Orbucks which is their cash back program. You’ll get double cash back opportunities for using Rakuten and Orbitz.

Tip 4

Use cash back apps and sites when you shop online. Always check Rakuten, Groupon, and Ibotta before you make a purchase online. It can mean the difference between just plainly wasting money or getting $$$ back for what you normally would do.

Tip 5

Scan your receipts for cash back, gift cards, and magazine subscriptions with apps like Receiptpal, Fetch Rewards, Ibotta, and Getupside.

Tip 6

Earn some money to get yourself some free cash or gift cards with Swagbucks. I use it mainly to play games but there’s a lot of ways to earn points on there. They have polls, questionnaires, surveys, games, watch videos, try out apps, and so much more ways to earn points. Doing this on your free time can get you some side money.

Tip 7

Cut the cable guys! If you have internet and a streaming device then you can be saving yourself over $1,000 a year just by switching from cable to Philo. You’ll get most of your cable channels. Go on Philo’s website to see if they have the network channels that you love. You can also try it out for free 7-days to see if it’s right for you or not. So far, it’s been awesome for us. It doesn’t even feel like anything’s changed, just more money in our pockets at the end of the month.

Overall, getting out of debt doesn’t have to be hard. Celebrate the small wins and still go enjoy life. Even if you earn $5 cash back or save over $90 by switching cable, it all adds up at the end of the year. Can’t wait to share what more I can find in savings with you all next month, tune in!

Read More:

Debt Free Journey – $90,479 Paid Off in 23 Months – August 2020

Debt Free Journey – $89,979 Paid Off in 22 Months – July 2020

Debt Free Journey – $89,479 Paid Off in 21 Months – June 2020

Guys, don’t let another day go by getting further in debt. Today’s the day to get started with your own debt free journey.

We partner with some awesome companies that offer products which can help our readers. If you make a purchase through one of our partner links, we may receive a commission at absolutely no additional cost to you! Please see my Policy & Disclosure page for full details. 

It’s been 23 months now into our debt free journey. So far, we’ve paid off $90,479 with $36,750 left to go.

We’ve been paying off $500 each month towards the last two debts. One of them is the student loan which has a balance of $28,500 and the family loan for $8,250. Paying $500 is a lot less than what we used to pay before the pandemic hit. We were attacking the debt with about $1660 each month but now we want to build the emergency fund up a bit until things settle down.

Hopefully by next month, we’ll be able to make a large payment of possibly $10,000 to knock some of that student debt, stay tuned.

The only debt we have left to tackle is our student loans and family debt.

September of 2018:

August 2020:

Want to get started on your own debt free journey? Grab this free debt thermometer to see how much you owe and get started with the free 5-day Debt Free Bootcamp to get you on your way to becoming debt free.

Emergency Fund

If you’re able to do so, it’s a great idea to build up your emergency fund if you don’t have one. In certain situations, it may be more important to have cash available in case anyone loses a job or gets injured rather than paying off debt.

Not saying you should avoid paying off debt overall but set aside some money each month to your savings account until you build one that you feel comfortable with.

Once you get your emergency fund up to an amount that you’re okay with, then focus 100% on attacking your debt.

If you don’t have an emergency fund or need some ideas on saving up for one, head to this post below.

Read More: 5 Tips to Build Your Emergency Fund Fast

If you’re here for the first time, there are some real easy steps for you to get out of debt while still enjoying life.

Becoming debt free doesn’t have to mean that you’ll need to sacrifice. There’s ways around that. You can still enjoy life by going on trips, vacations, getting the things you want but just making some tweaks to get you the results you want without losing out on what you love.

That’s something I’ve come to learn about this process and it’s the only way that’s helped my hubby and I keep going.

If you want to get started on your own debt free journey, check out some tips that can help you get there below.

Read More:

How To Get Out Of Debt With These 5 Tips

Start a Budget

Use the Snowball Method to pay off debt

Find 95 Ways to Save

Make Extra Money

Travel for free

Cutting The Cord Update

In the previous July debt free update, I mentioned that we may cut the cable.

Well.. we did!

We tried out Philo, and it’s friggin awesome.

BEFORE PHILO

AFTER PHILO

Let’s do the math here, $152.49-$60.32 = $92.17. Wait.. $92.17?!

We saved over $90 by cutting the cable, how amazing is that? That’s savings of $1,106 a year.

Wish we did this sooner.

But of course we have to factor in the actual cost of Philo $20 so realistically we’re saving $72.17 or $866 a year (which is still awesome).

If you missed last month’s progress post, I mentioned this Philo service as an alternative to cable.

As long as you have internet, you can stream your favorite cable channels live, plus it comes with unlimited DVR, and fast forwarding options through commercials.

Here’s a little breakdown of Philo below.

Philo

• They have so many mainstream networks like A&E, AMC, BET, Comedy Central, Discovery, Food Network, Hallmark, HGTV, History, Investigation Discovery, Lifetime, MTV, Nickelodeon, Paramount Network, TLC, Travel Channel, VH1, and WE TV.
• Unlimited DVR (held for 30 days)
• Able to fast forward through commercials
• Free 7-day trial
• Only $20 a month

We’ve been using Philo for a few weeks now and it’s been awesome. The only downside to cutting cable is that we have to use something called Locast to watch local channels (for free).

This method using Philo and Locast is great for those who don’t watch local channels too much but tend to watch network channels more often.

If you’re wondering about Locast check out the breakdown below.

Locast

Locast is a non profit service that provides you with your local streaming channels for free!

You sign up at Locast.org and you get live streaming of your favorite local channels. You can stream on your phone, computer, or on your TV.

For your TV, you’ll need a streaming device like  Roku, Amazon Fire Stick, or Apple TV.

The downside to Locast is every time you switch channels, you will see a short Locast commercial but it can be removed by paying Locast a small $5 a month donation.

Overall, cutting cable and switching to Philo and Locast has been awesome.

Finding Savings

Using cash back and points apps has been great and it’s very satisfying to see that your money can go a bit further.

If you read last month’s debt journey post, I mentioned apps like Ibotta, Fetch Rewards, Swagbucks, Rakuten, and Honey.

I’m going to add Receiptpal to that list.

I’ll go over some reasons why I use those apps and programs and you can find super easy ways to get some side cash monthly too.

Ibotta

Ibotta is mainly a cash back app that gives you real money back when you go grocery shopping by scanning your receipt.

It’s actually better than using coupons in my opinion because when you use coupons, it comes off the bill. Ibotta, on the other hand, gets you cash back when you buy certain products.

Once you reach $20, you can redeem it for cash back via Paypal or giftcards.

Also, besides only groceries, Ibotta also gets you cash back for in-store or online retailers like eBay, Kohls, ULTA, JCPenny, and 300 more.

To use Ibotta, you’ll look for the grocery store you plan to do your shopping. Look through the items that the store has and add the items to your list. Once you’re done with your shopping and get your receipt, upload it to Ibotta and it’ll match your offers. You may also need to scan barcodes for certain products just to verify the purchase.

Tip: When you add the item to your list, make sure to read the description of the item. For instance, today I see an offer for Philadelphia cream cheese giving $.50 X 5 back and there’s a note saying it’s for 7.5 oz or larger. Make sure you’re getting the right items to get the cash back offers.

Overall, it’s an awesome app to use and I get great money back from it. I love to use it since I don’t have the patience to coupon. If you’re a couponer then you’ll get even more savings with this app since it also allows you to use Manufacturer’s coupons too.

Currently, I have $57 cash back from Ibotta which is pretty sweet if you ask me, and no clipping coupons required.

Fetch Rewards

Another app I’ve been using is Fetch Rewards. I basically get points for scanning receipts from grocery shopping, gas, and food.

Once I reach a certain amount of points, I’ll get gift cards or free magazine subscriptions.

Receiptpal

Another app I’ve been using diligently is Receiptpal.

Do you ever throw away your receipts? Think twice before doing that. You could be getting cash back for them.

With Receiptpal, you can scan your receipts and get points. Once you earn enough points, you can redeem them for gift cards.

Why not turn your junk into money?

You can scan in almost any kind of receipts:

• Gas receipt
• Restaurant/fast food receipts
• Shopping receipts from any store
• Service receipts

For every receipt you submit, you’ll get a punch for your card. If you scan 4 receipts, you’ll get 100 points. Once you fill up 5 cards, you will get multiple entries into their sweepstakes for $250. Also, Receiptpal will give you random chances to get entries for their sweeps.

Points System:

Level 1 – 2,200 points = $5 Amazon gift card

Level 2 – 4,000 points = $10 Amazon gift card or 9,250 for a $25 Amazon gift card

Level 3 – 17,250 points = $50 Amazon gift card or 32,250 for a $100 Amazon gift card

Swagbucks

I’ve been spending more time on Swagbucks and it’s been pretty awesome. I’ve gotten paid 500 swagbucks points which is equal to $5 for playing a game during my spare time in the evening.

If you ever have some free time check out Swagbucks to earn points which can be redeemed for cash via Paypal or gift cards.

Some ways to earn points are:

• Take surveys/poll
• Play games
• Watch videos
• Shop online
• Complete daily goals
• Enter competitions for points

Rakuten

I still use Rakuten when I’m doing any online shopping to get cash back on my purchases. It’s free money back, why not take it?

Rakuten partnered up with over 2,500 stores to get you cash back.

It’s super simple to use. Before buying anything online, go on Rakuten to see if they have your retailer on the list.

Then check to see if there’s any cash back offers. If there is, all you do is click on the retailer’s button where it will take you directly to the store you planned to shop at.

The only difference is, Rakuten will get you cash back for your purchase.

Honey

Have you heard about Honey? I just recently started using it and it’s awesome.

I downloaded the Chrome extension and when I go to purchase something online, it’ll scour through tons of coupon codes to help find the best price for the item.

It’s good for lazy couponers like me.

It’s a site that finds you all coupons available for stores. It has a chrome extension so when you go to a site and purchase something, Honey will automatically notify you if there’s a better price

Another good feature about Honey is if there’s no coupon code to be applied, it can also get you points for shopping at stores.

Once you get enough points, you can redeem it for gift cards from places like Walmart, Amazon, eBay, Sephora, Nordstrom, and more.

Takeaway

23 months down and we’ve paid off $90,479 worth of debt. Pretty amazing stuff.

Does it feel like we’ve sacrificed a great deal, nope.

Getting out of debt doesn’t have to be hard. You may have heard people having to sell literally everything, eating rice and beans, never going on vacation, or getting nice things for themselves just to get themselves out of debt. We’re here to show you that you don’t have to go to those extremes.

All you need is a good budgeting system to help you handle money the right way to squeeze the most out of your hard earned cash, look for savings in the right places, and still enjoy life without having to go into debt to do it.

I’m currently in the process of getting a workable system in place for others to follow step by step on how I do my monthly budget. I can say that having a proper budgeting system in place can make all the difference in the world.

I’ll share it with you all very soon!

PS Stay tuned, we’re going to pay $10,000 next month towards the student loan!

Today’s the day for you to finally take back control over your money. It’s time to become debt free and embark on your own journey. I’ll show you the steps you need to get there, get started by grabbing the free debt thermometer.

We partner with some awesome companies that offer products which can help our readers. If you make a purchase through one of our partner links, we may receive a commission at absolutely no additional cost to you! Please see my Policy & Disclosure page for full details. 

It’s been 22 months in now to our debt free journey. So far, we’ve paid off $89,979 with $37,250 left to go.

The only debt we have left to tackle is our student loans and family debt.

September of 2018:

July 2020:

We’re still playing it safe due to COVID-19 and just paid $500 towards student loans this month.

It’s actually a great time now to pay off student loans because of no interest accrual. Who knows how long that’ll last.

Also, did you know that any payment made to student loans now go straight to principle?

Wouldn’t it be nice if we could all get some loan forgiveness? How awesome would that be? We can only wish!

So this month, we’re still saving away just like the last few months now.

It’s important to have a good savings of 3-6 months on the side just in case.

I’ll admit it’s no small feat to pay off $89,979 in under 2 years. Just to be sure you didn’t miss it, if you want to get started on paying off debt then check out my posts below.

• Start a Budget

• Use the Snowball Method to pay off debt

• Find 95 Ways to Save

• Make Extra Money

• Travel for free

Related: How To Get Out Of Debt With These 5 Tips

Cutting The Cord

Cutting the cord? I don’t mean having a baby.

I mean cutting the cable cord.

Do you have cable and internet? I bet you probably pay way over $100 a month. We pay about $150 for cable and internet, that’s $1,800 a year. Talk about highway robbery!

So I’ve been trying to come up with other ways to save on bills. Cable was something that I just couldn’t get rid of. I love my reality TV, Don’t judge!

I did some research to see if there were any other cable alternatives. I found a couple! One is called Locast and the other is called Philo.

So, what’s the dilemma with cutting cable? Besides your favorite shows, you’ll be losing local channels too right?

There’s alternatives to that and it’s where Locast comes in.

Locast

Locast is a non profit service that provides you with your local streaming channels for free!

You sign up at Locast.org and you get live streaming of your favorite local channels. You can stream on your phone, computer, or on your TV.

For your TV, you’ll need a streaming device like  Roku, Amazon Fire Stick, or Apple TV.

The downside to Locast is every time you switch channels, you will see a short Locast commercial but it can be removed by paying Locast a small $5 a month donation.

Philo

One of the major reasons I couldn’t cut cable was cause of my favorite shows on certain networks like MTV, TLC, AMC, Discovery, HGTV, and others.

Then I found Philo. They have so many mainstream networks like A&E, AMC, BET, Comedy Central, Discovery, Food Network, Hallmark, HGTV, History, Investigation Discovery, Lifetime, MTV, Nickelodeon, Paramount Network, TLC, Travel Channel, VH1, and WE TV.

Philo costs $20 a month which beats the price of cable by a landslide.

Plus Philo offers unlimited recordings of your favorite shows.

The downside to Philo is the unlimited recordings has a cutoff period of 30 days, but I think that’s enough time to watch every favorite show.

As of right now, we’re testing it out to see how it goes. Once we officially cut the cable cord, I’ll let you all know how it went.

Looking For Savings

This month I’m still using savings / cash back / and coupon sites that’s easy to use. Remember when I told you I hated clipping coupons? These sites and apps are perfect for those that don’t like couponing but can still get major savings.

Ibotta

Ibotta partnered up with over 300 stores including all your main grocery stores and others. They most likely have the grocery store you go to on their list.

Once you find your grocery store, you upload your shopping receipt and you’ll get cash back.

Currently, I have $30.90 cash back from Ibotta just for grocery shopping. Pretty sweet deal if you ask me, and no clipping coupons required.

It’s an awesome app to use.

Fetch Rewards

Another app I’ve been using is Fetch Rewards. I basically get points for scanning receipts from grocery shopping, gas, and food.

Once I reach a certain amount of points, I’ll get gift cards or free magazine subscriptions.

Swagbucks

Swagbucks is a site where you could take surveys/poll, play games, watch videos, shop online, complete daily goals, and enter competitions for points. These points convert to cash back via PayPal or gift cards.

I’ve been using Swagbucks to get cash back when I shop online.

Rakuten

I still use Rakuten when I’m doing any online shopping to get cash back on my purchases. It’s free money back, why not take it?

Honey

Have you all heard about Honey? I just recently started using it and it’s awesome.

I downloaded the Chrome extension and when I go to purchase something online, it’ll scour through tons of coupon codes to help find the best price for the item.

It’s good for lazy couponers like me.

It’s a site that finds you all coupons available for stores. It has a chrome extension so when you go to a site and purchase something, Honey will notify you if there’s a better price

Takeaway

This month has been all about looking for savings any way I can, the easy way.

22 months down and we’ve paid off $89,979 worth of debt. Pretty amazing stuff.

With the right tools and strategies in place, anyone can pay off debt.

Related: How To Get Out Of Debt With These 5 Tips

Hope you are all staying safe out there!

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.

We partner with some awesome companies that offer products which can help our readers. If you make a purchase through one of our partner links, we may receive a commission at absolutely no additional cost to you! Please see my Policy & Disclosure page for full details. 

I wanted to update you guys and let you all know that I did a deep audit into my finances from when I started the debt paying process till now.

I decided to go through my bank statements and start logging in all my debt starting from September 2018 till this month. I found that we actually have a total debt of $127,229 and not $116,000.

A debt snowball app totally messed up my numbers so I decided to do something about it and start tracking everything myself.

Currently, we’ve paid off $89,479 in 21 months and have $37,750 remaining.

As you can see in the chart above, our debt payoff progress really slowed down since March 2020 due to COVID-19.

September of 2018:

June 2020:

We’re playing it safe these days and paying only $500 a month towards debt.

We do have an emergency fund but we want to be extra safe just in case the worst case scenario were to happen like both of us losing our jobs.

If you’re also paying off debt or thinking about starting, make sure to save for an emergency fund. Always have a 3-6 month emergency fund in place.

In 21 months, we got rid of $89,479 worth of debt. Do you want to start on your own journey to get debt free? Check out these tips that can help you get started like we did.

• Start a Budget

• Use the Snowball Method to pay off debt

• Find 95 Ways to Save

• Make Extra Money

• Travel for free

Related: How To Get Out Of Debt With These 5 Tips

Looking For Savings

Have I ever mentioned that I really don’t like couponing? I don’t have the patience to sit there and go through circulars looking for deals or clip coupons to save for later.

Don’t get me wrong, I do know how important coupons can be though. It can save you hundreds over time!

Instead of couponing, I use digital apps that give cash back.

I use programs like Ibotta and Fetch Rewards.

If you haven’t tried it yet, you need to get it.

It’s so easy to use.

Ibotta

Ibotta partnered up with over 300 stores including all your main grocery stores and others. They most likely have the grocery store you go to on their list.

Once you find your grocery store, you upload your shopping receipt and you’ll get cash back.

In June, I got $21.75 cash back from Ibotta. Pretty kool huh? No need to be clipping coupons! Whew!

It’s an awesome app to use.

Fetch Rewards

Another app I’ve been using is Fetch Rewards. I basically get points for scanning receipts from grocery shopping, gas, and food.

Once I reach a certain amount of points, I’ll get gift cards or free magazine subscriptions.

Swagbucks

Swagbucks is a site where you could take surveys/poll, play games, watch videos, shop online, complete daily goals, and enter competitions for points. These points convert to cash back via PayPal or gift cards.

I’ve been using Swagbucks to get cash back when I shop online.

Rakuten

I still use Rakuten when I’m doing any online shopping to get cash back on my purchases. It’s free money back, why not take it?

Honey

Have you all heard about Honey? I just recently started using it and it’s awesome.

I downloaded the Chrome extension and when I go to purchase something online, it’ll scour through tons of coupon codes to help find the best price for the item.

It’s good for lazy couponers like me.

It’s a site that finds you all coupons available for stores. It has a chrome extension so when you go to a site and purchase something, Honey will notify you if there’s a better price

This month has been all about looking for savings any way I can, the easy way.

Takeaway

Another month during COVID-19 is really affecting our lives. I want to pay more towards debt but it’s definitely a time to be saving a lot more. You just never know what tomorrow brings.

I’ve been using a lot of cash back / coupon apps and sites to get even more savings throughout the month. If you all can find time to coupon then great, go for it! If you don’t have the patience to coupon like me, then definitely try those apps and sites out.

Every dollar saved is a dollar earned. Don’t dismiss any savings you can get.

We’ve paid off $89,479 in 21 months and have $37,750 remaining. Still can’t believe we paid that much off. Just goes to show, anything is possible.

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.