Save Money with Your Smart Phone: Ibotta

Check out this cool video tutorial on how to use this app to earn and save more money. Then, let us know what you think in the comments!

Stop leaving money on the table!

These three tips will help you save (and earn) some cash.

Join the 52 Week Savings Challenge!

The savings challenge is on! Are you game?

Is Project Payday a Scam?

When I was invited to join Project Payday, I admit, I was skeptical. After all, I have seen all the ads, read all of the hype and got sucked in to an MLM or two in my days --and I am not a fan of MLM's by the way. Yet, I figured that since this website was free to sign up for, I would give it the good old "college try".

Cash Crate: An In Depth Review

I’m not just going to write a blog telling you how much I love Cash Crate or how much money I earn using it –anyone can do that. I’m going to give you a realistic idea of what you can make, every day, in about an hour of your time, and I’m going to do it step-by-step.

We are back and we are more frugal than ever!

Welcome to the new and improved website!

Penny Pinchers is (and has always been) about saving money and making money doing things that you do every day, anyway. Our mission, vision and goal is to help you life hack your way into bigger savings, investments and strategies that will (literally) monetize your entire life.

Sick of the 9 – 5 grind? We have solutions. Sick of overspending? We have answers to that too!
Over the next few weeks and months you will see content like:

A fabulously frugal home remodeling project
A real estate investment strategy that really works
Monetizing your shopping
How to make money with your used receipts
How to buy more and save more
A guerilla shoppers guide to holiday shopping…and savings
Repurposing furniture
Thrifty thrift shopping
How to make money when buying toiletries
How to make money when buying household cleaners
How to make money buying dog food
How to make money paying your bills
How to make money just for checking in

And much, much more.

Stay tuned for videos, step by step instructionals, guides, eBooks and webinar sessions with the head cheapskate herself!

Also, check out our sister site, Valkeryie Business Consulting (for all of your entrepreneurs, tech heads and modern day marvels) if you want to get some free lessons on how to monetize your marketing and earn daily passive income using your content….in a variety of different ways.

Until then, keep pinching your pennies, subscribe to us (so don’t miss out on any of our frugal goodness) and don’t forget to leave a comment below if there is some kind of frugal living life hack you’d like to know more about!

Frugally Yours,

The Head Cheapskate

Stay Tuned for the Big Comeback

We are in the process of redesigning and relaunching The Penny Pinchers, and it's going to be extremely cool. Please stay tuned and thank you for your patience! 

The new site will be going live on April 27, 2013. 

See you soon! 

Saving Money with Your Smart Phone: Ibotta

Our favorite app this week is Ibotta. Check out this cool video tutorial on how to use this app to earn and save more money. Then, let us know what you think in the comments!

Making Money With Your Smart Phone: Check Points

This week we are bringing you a popular YouTube video explaining how to make money with the popular Check Points app. Check it out and let us know what you think in the comments below!

Budgeting for Your Pet

In the advent of adding a new miniature canine to our household (also known as a puppy), and while I am going through a divorce, it became incredibly apparent that budgeting for the care and wellbeing of my furry friends had to be done quickly, cheaply and efficiently. Because of that, I found a few tips along the way to help me successfully budget for my pets (all seven of them -- five cats and two dogs). And if you follow my simple plan to the letter, you'll be well on your way to successfully budgeting for your pet(s) too.
Caring for your animal
Think of feeding your pet the same way that you would think about feeing yourself. Garbage in, garbage out. The higher quality food you give your pet, the healthier and happier they will be for many years to come. And while higher quality pet foods can seem more expensive upfront, your pet actually requires less of it, and will have fewer vet visits -- at least, that has been my experience.
Bring your pet to the vet
I know how much vet visits can cost, and I know that you are grimacing right now in the face of that revelation. However, since all of our animals live indoors, I don't have to worry about more than routine vet visits -- for the most part. I am setting aside enough money each month to care for our pets in the event of an emergency, and am calling it the "emergency pet fund".
I take advantage of monthly low cost vaccination clinics and knock out two or three animals at a time, each quarter, so that they are always up to date on vaccinations and heart-worm prevention. Staggering my pets this way keeps them all healthy, happy and up to date -- without blowing my budget. This makes it easier to pay for and plan for.
Use your local humane society
When it came down to potty training our newest addition, I took advantage of the resources from our local humane society -- where we rescued our latest family member. In my experience, local shelters and humane societies partner up with trainers and a variety of other reputable animal loving resources to provide some great training tips, tools and referrals at no (or very low) cost. This helps me keep my dogs active and social…and trained -- an absolute must. Of course, we make a point to reinforce training at home by walking our dogs daily and by making sure they have a five to 10 minute training session per day.
Caring for pets -- even seven of them -- doesn't have to break the bank. Just like taking care of yourself, an ounce of prevention is worth a pound of cure. Do some homework on free and low cost resources in your local area to make sure your furry friends are happy, healthy and cared for in all the years to come.

Make Money With Your Smart Phone: Juno Wallet

Turn simple tasks into gift cards and rewards like I do, using Juno Wallet. It’s simple. In fact, it’s so simple, there is a video on how to earn cash with this app. 

Check it out and let us know what you think in the comments below! 

Are you leaving money on the table?

If I had to guess, I’d say you probably are -- heck, most people do. I know that (at one point) I left a whole lot of money on the table…but I fixed that. Today, I have monetized my life to include rewards and cash back on everything I buy, and today I’m going to share some of my favorite ways to do that with you today. Ready? It’s a lot easier than you might think.

Tip 1: Sign up for Ebates (it’s free)
This easy to use portal has changed my life. They are linked to literally thousands of stores, offer printable grocery coupons and even have a kick butt referral program. If you haven’t signed up, you’re leaving money on the table. I have earned over $1,400 in cash back savings since singing up with them, and continue to earn more all the time.

My only remaining question to you is: What would you do with an extra $1,400?

Tip 2: Use Saving Star
I am a CVS junkie (and a Walgreens junkie). The programs and rewards I earn just for on stocking up on makeup, toiletries and groceries from these stores is immense, and I eat up savings. However, I found a way to save even more at my favorite stores above and beyond their reward programs. Visit and sign up…then select the coupons you want to use (virtually) and the savings is automatically put into your account, which you can cash out after reaching $5.00.

Tip 3: Use Receipt Hog
This market research company pays you for copies of your receipts from local grocery and convenience stores….and I think it’s brilliant. I stack up my receipts and turn them into cold, hard cash. And yes, it really is that simple. The only drawback is that this app is only available to iPhone users at the moment, but the app for Droid users is in development.

And while these are simple ways to save, they are also quite effective. Start now, save more, earn more. 

Ways to Make Money With Your Smart Phone: Receipt Hog

This year, Penny Pinchers isn’t just going to focus on bringing you new ways to save and shop smart, we are also going to talk about increasing your income. Why? Because a penny earned is…well…a penny earned. And we are going to show you different ways to make pennies -- in addition to pinching them.

Every Friday, we are going to write a blog about different ways to make money that you can integrate into your everyday life. First steps? Making a little extra cash with your smart phone; and this week, we are going to talk about a nifty little app called Receipt Hog.

Side note: Right now, this app is exclusive to iPhone users (sorry Droid-ians)…but they are expanding to new platforms every day…so even if you aren’t lucky enough to download this app today, that doesn’t mean it won’t be available tomorrow. Check the website for more details.  

Now that we have THAT out of the way…

Here is how it works:

Before Receipt Hog, my receipts would go into the wormhole (aka my purse) to be abused, battered and come out virtually unrecognizable. Now, I stack receipts neatly on my desk and set aside about 10 minutes per week to snap and earn.

·         Step 1: Lay the receipt on a flat surface.
·         Step 2: Open the Receipt Hog app.
·         Step 3: Snap a photo.
·         Step 4: Get rewarded.

Redemption system:

You can donate your money to charity (pretty cool).
You can earn cash back via PayPal (even cooler).
You can trade in your coins for goods (also very cool).

Me? I opt for the cold, hard cash.

Here is what you can expect:

Of course, I’m waiting for the 4,500 coins to get the best value -- aka most for my time.

And while this handy little app won’t make you a millionaire, you can (depending on how many times you visit stores like gas stations, grocery stores, Wal-mart, Target, CVS and Walgreens) earn a steady $30 every couple of months (more than $180) per year. And if you’re pinching YOUR pennies, that makes a difference.

So now that you know: What do YOU think about Receipt Hog?

Join Us on The 52-week Spending Challenge

Wait! Don’t go! This is not some post that is going to drone on and on (and on) about how much you should save and when you should save it. No. This is a savings game…and I’d invite you all to play it with me.

Here is how it works:


Here is how I am working this challenge: I am jump-starting weeks 1 to 7, and putting $28 in my Smarty Pig account (an account requiring a $25 opening deposit). Then, from there, I am going to take the prescribed schedule, beginning from week two. I will update you weekly on MY progress via the Penny Pinchers Facebook fan page and Twitter page (follow us). In turn, I’d like you to update ME weekly on yours. 

Fair enough? The winner gets the biggest savings account by December! Try it and see if you can resolve to save more in 2013, going on this bit by bit path. I'll see you on the other side...each week...every Tuesday. 

Ready? Set? GO!