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Best Money Saving Apps 2021

Best Money Saving Apps 2021

Looking for the best money saving apps on the market right now? Our latest blog reveals all you need to know, including how today’s top apps benefit consumers.

lady holding Free Government Phone

Which Free Government Phone Provider is the Best?

Cellphone is an important part of our daily life. You need it at least for texting, calling and using the internet data, if not other features. It plays an important role when you want to collect with your family or friends. 

With Free Government cell phones, the life of people has become easy especially for the people who belong to below poverty line and can’t afford a smartphone because of low income. In the era, we live in, a cell phone is an important aspect not only for communicating but also other functions like news, weather, podcasts and for capturing photos and videos among many other activities.

The FCC has led some strict guidelines as to who is eligible for the free government cell phone assistance. Those who are already enrolled in one of the following programs are eligible:

  • Supplemental Security Income (SSI)
  • Supplemental Nutrition Assistance Program (SNAP)
  • Federal Public Housing Assistance
  • Medicaid
  • Tribal-specific programs: Bureau of Indian Affairs General Assistance, Food Distribution Program on Indian Reservations (FDPIR), Head Start, Tribally-Administered Temporary Assistance for Needy Families (TTANF)

If you fall under low-income group and are below 135% of the federal poverty guideline then also you are eligible for a lifeline. To apply for this government plan, you will need to submit your low-income stamp, a W-2 form, food stamps, or a letter from the government agency where you are enrolled. Here are 4 simple steps to acquire free government cell phones:  read more

A man saving his money into piggy bank

30 Super Simple Ways to Save Money

The issues that arise when it comes to saving money are numerous–and you are not alone. At some point, you may think that you have been doing so well in saving your money. However, at the end of the day, all those efforts do not seem to be enough. 

Many people have been making so many sacrifices to save, but sometimes we have to become mindful of our personal finances and spending habits. As we continue to understand our budgets, money flow, and the things we spend on what we need, believe it or not, we will eventually get to start setting away more Money that we have ever expected.

There are many things to consider to save money effectively. This includes both long-term strategies, just like clearing your debt, and short-term strategies, which can be seen as skipping a simple night out at the club with friends.

While it is understood that changes in your financial lifestyles do not happen drastically overnight, you should know that with patience, time, and dedication, nothing is impossible for reducing expenses and savings. read more

Two students shocked with discounts on online sale

The Ultimate List of Student Discounts and Deals 2021

Who would’ve known that students can really maximize their budgets as they spend throughout their university days? Below is a list of all sorts of items and services a student like you can take advantage of–and it ranges from clothing, to software, and even to food, entertainment, and travel! 

Student Discounts Categories

1. Student Discounts on Tech and Software

It would be very helpful for students to stretch their budgets with student discounts. There are a lot of stores and retailers that give out pricing that’s way exclusive to students, especially whenever it’s back-to-school season. We all know that students usually need photo-editing software tools, and other items for their studies. Well, say no more, because a lot are offering student discounts on such software, too.

StoreDescriptionStudent Discount
Adobe SoftwareGet up to 60% discount on Adobe Creative Cloud
ABBYYSoftwareAll ABBYY Software at 30% off
Apple Consumer Electronics$20 discount on the iPad Pro; $100 discount on the Macbook Air, and up to $200 on other select Mac, including the MacBook Pro
B&HPhoto and Video EquipmentGet mark-downs up to 30% off by joining B&H EDU Advantage, free of charge
CyberLinkMultimedia SoftwareMark-downs of up to 40% on software
Best BuyElectronics StoreDiscounts may vary depending on the consumers’ . edu email address
DellComputersDiscount varies depending on the item and on membership, along with school details
GoProVideo Recorder20% off from any order
FujitsuTechnology Equipment & ServicesSave 5% off on select LIFEBOOK notebooks and Tablet PCs
LenovoComputers8% discount off from any order
LogitechComputers, tablets, & accessoriesGet 25% off on all items
HPSoftware and computersVarious discounts on items
SkullcandyTech gear20% off on all items
Microsoft StoreComputers and softwareFree subscription to Office 365
TargusTech gearCollege students get 25% off all items

2. Student Discounts on Clothing

A new school year may suggest having a new look and new clothes, whether it be a new set of corporate attires for your summer internship, or just simply a school fashion closet upgrade, a lot of clothing lines and retailers have got you covered when it comes to student discounts. When shopping for these, you will sometimes need to present your student ID, or maybe even ask you to verify your enrollment status online. read more

Variety of foods on white table

20 Ways To Get Free Food With No Money

If you think that getting access to free things such as food is something that’s impossible, or something that a criminal would do, then think again! The food industry has been evolving throughout the years, and you’ll be surprised that there are a lot of different ways where you can access free food, especially when you’re on a tight budget.

All you have to do is to know where to look to get access to these, so read on to know where you can put your focus on, and to take note on a few tricks to help ease that budget. Remember, the goal is to have as much free stuff as possible!

How to get free food with no money? Let’s look at 20 ways below.

  1. Use supermarket cashback apps

The use of free supermarket cashback apps do not usually ensure that you get free food automatically, but usually with the use of these apps you can get a good amount of freebies. Most would usually offer discounts, but in the long haul, the savings that you could get on these are surprisingly huge!

The only prerequisite for this is for you to be able to download the free apps to your phone, and check on the supermarket offers that fit your eligibility criteria–for example checking on the participating supermarkets in your location. What happens is that once you’ve bought the product, all you need to do is to scan the receipt through the app and instantly receive your cash returns. read more

Woman hand calculating money on saving account

How Much Should I Save Each Month?

Saving is one of the most basic yet overlooked areas of personal finance. People often fail to embrace the importance of saving one’s money especially today where everything can be bought through just a click of a button or a touch of a screen. 

Senseless buying that eventually leads to overspending which will definitely lead to a badly budgeted month. So how much should I save every month? Most experts recommend saving 20% of your income every month. 

According to the 50-30-20 rule, a saving system made popular by Senator Elizabeth Warren, 50% of your income after taxes should be set aside for your monthly necessities, 30% will be your limiter for things that you can actually afford, and that you should save as much as 20% of your salary after taxes as a savings goal set aside in your bank account and other forms of investment every month.

What is the 50-30-20 rule?

Senator Elizabeth Warren, being an expert in bankruptcy law, created the 50-30-20 budget system before she even became a politician, as a guide for Americans to be financially prepared for emergencies or just plainly as a system that will help people set aside money, saving up, and budget their monthly income. read more

Festival of Frugality #120

Welcome to the Festival of Frugality #120. That makes this one of the longest running blog carnivals ever. A Penny Saved is lucky enough to be the host this time around, and I’ll try to be a good host. Without further adieu, here’s the frugal posts:

William Blake presents: Time to Examine The Way You Spend at Becoming Debt Free.

Pants in a Can presents: Find IT on eBay at Pants in a Can. That ranks up there as one of the coolest blog names ever, by the way.

Tejvan writes about haggling: How To Haggle and Pay a Lower Price.

Bryce writes: Avoiding Impulse Buys at Save and Conquer.

Steve writes: Tips on Saving Money at Loan Advisor

Betsy writes about saving money on your child’s prom: The $300 Prom Challenge.

Sally writes: The Freeloader’s Toolbelt: 50 Tools to Help You Get Anything Free Online. No better way to save money than to get everything for free, right?

Margaret offers up some great money saving ideas: 5 Money Saving Alternatives to Stuff We Do All the Time.

Penelope writes: Homemade Coin Bank for Saving Wayward Coins. Save money on a piggy bank, and save cash at the same time.

Money Crashers has a great list: 31 Ways to Be Frugal And Save Money.

Kris offers some tips on takeout: Healthy Takeout on a Budget.

Jennifer reminds us why we are frugal: 32 Reasons to Be Frugal Besides Saving Money.

FMF gives us the Frugal Fundamentals.

Aryn writes about simplicity: Clean the Clutter Out of Your Life to Free Your Money.

David writes about mass transit, and busses in particular: $10 Bus Fares: Frugal or Frightening?.

Jenny B talks about saving cash on books: Buying Books

Joe D tells you how to avoid bankrupting yourself for breakfast: Starting Your Day Off Right.

Ryan writes about the 99 Cent store: Hunting for Discounts: A Trip to the 99 Cent Store.

Need to give a gift but don’t have much cash? Joanne wrote this just for you: Homemade Gift Basket Ideas For Any Occasion.

Seb presents: Five things you should buy used.

Ted writes about schoolbook bargains: Cheapest Textbooks Online.

Enoch Ko put up a great post: Minimize expenses (revisited).

Mrs Micah presents: The Amazing Powers of YourRxCard.com’s Prescription Card.

RC presents: 30 Ways To Stretch and Maximize Your Dollar.

Sarah teaches you how to save by paying more: Birkenstocks: A frugal love story.

The Happy Rock presents: Virgin Mobile Deal: $60 For One Year Of Prepaid Virgin Mobile Service.

Frugal babe writes about saving money on gardening with: Automatic Flowers.

Alex writes about saving time and money about pet grooming: Likeable Pets

Food and Groceries

Squawkfox writes: Top Five Frugalicious Lunches.

Stephanie presents: 

Meal Planning Without a Menu read more

Best Money Saving Apps 2021

Best Money Saving Apps 2021

Looking for the best money saving apps on the market right now? Our latest blog reveals all you need to know, including how today’s top apps benefit consumers.

lady holding Free Government Phone

Which Free Government Phone Provider is the Best?

Cellphone is an important part of our daily life. You need it at least for texting, calling and using the internet data, if not other features. It plays an important role when you want to collect with your family or friends. 

With Free Government cell phones, the life of people has become easy especially for the people who belong to below poverty line and can’t afford a smartphone because of low income. In the era, we live in, a cell phone is an important aspect not only for communicating but also other functions like news, weather, podcasts and for capturing photos and videos among many other activities.

The FCC has led some strict guidelines as to who is eligible for the free government cell phone assistance. Those who are already enrolled in one of the following programs are eligible:

  • Supplemental Security Income (SSI)
  • Supplemental Nutrition Assistance Program (SNAP)
  • Federal Public Housing Assistance
  • Medicaid
  • Tribal-specific programs: Bureau of Indian Affairs General Assistance, Food Distribution Program on Indian Reservations (FDPIR), Head Start, Tribally-Administered Temporary Assistance for Needy Families (TTANF)

If you fall under low-income group and are below 135% of the federal poverty guideline then also you are eligible for a lifeline. To apply for this government plan, you will need to submit your low-income stamp, a W-2 form, food stamps, or a letter from the government agency where you are enrolled. Here are 4 simple steps to acquire free government cell phones:  read more

A man saving his money into piggy bank

30 Super Simple Ways to Save Money

The issues that arise when it comes to saving money are numerous–and you are not alone. At some point, you may think that you have been doing so well in saving your money. However, at the end of the day, all those efforts do not seem to be enough. 

Many people have been making so many sacrifices to save, but sometimes we have to become mindful of our personal finances and spending habits. As we continue to understand our budgets, money flow, and the things we spend on what we need, believe it or not, we will eventually get to start setting away more Money that we have ever expected.

There are many things to consider to save money effectively. This includes both long-term strategies, just like clearing your debt, and short-term strategies, which can be seen as skipping a simple night out at the club with friends.

While it is understood that changes in your financial lifestyles do not happen drastically overnight, you should know that with patience, time, and dedication, nothing is impossible for reducing expenses and savings. read more

Two students shocked with discounts on online sale

The Ultimate List of Student Discounts and Deals 2021

Who would’ve known that students can really maximize their budgets as they spend throughout their university days? Below is a list of all sorts of items and services a student like you can take advantage of–and it ranges from clothing, to software, and even to food, entertainment, and travel! 

Student Discounts Categories

1. Student Discounts on Tech and Software

It would be very helpful for students to stretch their budgets with student discounts. There are a lot of stores and retailers that give out pricing that’s way exclusive to students, especially whenever it’s back-to-school season. We all know that students usually need photo-editing software tools, and other items for their studies. Well, say no more, because a lot are offering student discounts on such software, too.

StoreDescriptionStudent Discount
Adobe SoftwareGet up to 60% discount on Adobe Creative Cloud
ABBYYSoftwareAll ABBYY Software at 30% off
Apple Consumer Electronics$20 discount on the iPad Pro; $100 discount on the Macbook Air, and up to $200 on other select Mac, including the MacBook Pro
B&HPhoto and Video EquipmentGet mark-downs up to 30% off by joining B&H EDU Advantage, free of charge
CyberLinkMultimedia SoftwareMark-downs of up to 40% on software
Best BuyElectronics StoreDiscounts may vary depending on the consumers’ . edu email address
DellComputersDiscount varies depending on the item and on membership, along with school details
GoProVideo Recorder20% off from any order
FujitsuTechnology Equipment & ServicesSave 5% off on select LIFEBOOK notebooks and Tablet PCs
LenovoComputers8% discount off from any order
LogitechComputers, tablets, & accessoriesGet 25% off on all items
HPSoftware and computersVarious discounts on items
SkullcandyTech gear20% off on all items
Microsoft StoreComputers and softwareFree subscription to Office 365
TargusTech gearCollege students get 25% off all items

2. Student Discounts on Clothing

A new school year may suggest having a new look and new clothes, whether it be a new set of corporate attires for your summer internship, or just simply a school fashion closet upgrade, a lot of clothing lines and retailers have got you covered when it comes to student discounts. When shopping for these, you will sometimes need to present your student ID, or maybe even ask you to verify your enrollment status online. read more

Variety of foods on white table

20 Ways To Get Free Food With No Money

If you think that getting access to free things such as food is something that’s impossible, or something that a criminal would do, then think again! The food industry has been evolving throughout the years, and you’ll be surprised that there are a lot of different ways where you can access free food, especially when you’re on a tight budget.

All you have to do is to know where to look to get access to these, so read on to know where you can put your focus on, and to take note on a few tricks to help ease that budget. Remember, the goal is to have as much free stuff as possible!

How to get free food with no money? Let’s look at 20 ways below.

  1. Use supermarket cashback apps

The use of free supermarket cashback apps do not usually ensure that you get free food automatically, but usually with the use of these apps you can get a good amount of freebies. Most would usually offer discounts, but in the long haul, the savings that you could get on these are surprisingly huge!

The only prerequisite for this is for you to be able to download the free apps to your phone, and check on the supermarket offers that fit your eligibility criteria–for example checking on the participating supermarkets in your location. What happens is that once you’ve bought the product, all you need to do is to scan the receipt through the app and instantly receive your cash returns. read more

Woman hand calculating money on saving account

How Much Should I Save Each Month?

Saving is one of the most basic yet overlooked areas of personal finance. People often fail to embrace the importance of saving one’s money especially today where everything can be bought through just a click of a button or a touch of a screen. 

Senseless buying that eventually leads to overspending which will definitely lead to a badly budgeted month. So how much should I save every month? Most experts recommend saving 20% of your income every month. 

According to the 50-30-20 rule, a saving system made popular by Senator Elizabeth Warren, 50% of your income after taxes should be set aside for your monthly necessities, 30% will be your limiter for things that you can actually afford, and that you should save as much as 20% of your salary after taxes as a savings goal set aside in your bank account and other forms of investment every month.

What is the 50-30-20 rule?

Senator Elizabeth Warren, being an expert in bankruptcy law, created the 50-30-20 budget system before she even became a politician, as a guide for Americans to be financially prepared for emergencies or just plainly as a system that will help people set aside money, saving up, and budget their monthly income. read more

Festival of Frugality #120

Welcome to the Festival of Frugality #120. That makes this one of the longest running blog carnivals ever. A Penny Saved is lucky enough to be the host this time around, and I’ll try to be a good host. Without further adieu, here’s the frugal posts:

William Blake presents: Time to Examine The Way You Spend at Becoming Debt Free.

Pants in a Can presents: Find IT on eBay at Pants in a Can. That ranks up there as one of the coolest blog names ever, by the way.

Tejvan writes about haggling: How To Haggle and Pay a Lower Price.

Bryce writes: Avoiding Impulse Buys at Save and Conquer.

Steve writes: Tips on Saving Money at Loan Advisor

Betsy writes about saving money on your child’s prom: The $300 Prom Challenge.

Sally writes: The Freeloader’s Toolbelt: 50 Tools to Help You Get Anything Free Online. No better way to save money than to get everything for free, right?

Margaret offers up some great money saving ideas: 5 Money Saving Alternatives to Stuff We Do All the Time.

Penelope writes: Homemade Coin Bank for Saving Wayward Coins. Save money on a piggy bank, and save cash at the same time.

Money Crashers has a great list: 31 Ways to Be Frugal And Save Money.

Kris offers some tips on takeout: Healthy Takeout on a Budget.

Jennifer reminds us why we are frugal: 32 Reasons to Be Frugal Besides Saving Money.

FMF gives us the Frugal Fundamentals.

Aryn writes about simplicity: Clean the Clutter Out of Your Life to Free Your Money.

David writes about mass transit, and busses in particular: $10 Bus Fares: Frugal or Frightening?.

Jenny B talks about saving cash on books: Buying Books

Joe D tells you how to avoid bankrupting yourself for breakfast: Starting Your Day Off Right.

Ryan writes about the 99 Cent store: Hunting for Discounts: A Trip to the 99 Cent Store.

Need to give a gift but don’t have much cash? Joanne wrote this just for you: Homemade Gift Basket Ideas For Any Occasion.

Seb presents: Five things you should buy used.

Ted writes about schoolbook bargains: Cheapest Textbooks Online.

Enoch Ko put up a great post: Minimize expenses (revisited).

Mrs Micah presents: The Amazing Powers of YourRxCard.com’s Prescription Card.

RC presents: 30 Ways To Stretch and Maximize Your Dollar.

Sarah teaches you how to save by paying more: Birkenstocks: A frugal love story.

The Happy Rock presents: Virgin Mobile Deal: $60 For One Year Of Prepaid Virgin Mobile Service.

Frugal babe writes about saving money on gardening with: Automatic Flowers.

Alex writes about saving time and money about pet grooming: Likeable Pets

Food and Groceries

Squawkfox writes: Top Five Frugalicious Lunches.

Stephanie presents: 

Meal Planning Without a Menu read more

Who is
Penny Saved?

From the basics of financial management to ways to be debt-free, Penny Saved explores how to achieve financial freedom.

We cover topics such as personal finance, income streams, and loans; and offers practical tips on managing your finances.

lady holding Free Government Phone
lady holding Free Government Phone

Who is
Penny Saved?

From the basics of financial management to ways to be debt-free, Penny Saved explores how to achieve financial freedom.

We cover topics such as personal finance, income streams, and loans; and offers practical tips on managing your finances.

Copyright © 2021 Penny Saved. All rights reserved