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.

Wednesday, October 15, 2014

How Savings Star Saves Me More -- In Less Time and Nearly Zero Hassle Than Grocery Coupons Alone

Okay my fellow couponers, I want you to brace yourselves – because I am about to take you on a journey to bigger savings, sans scissors…okay, maybe not completely without these sharp edged cutting devices, but almost….and in compliment of, to boot.

Let me introduce Savings Star

So here’s how it works:

You go in and select your favorite stores (and yes, they even have Wal-mart and HEB for my fellow San Antonioans). Then, you go in and select the grocery coupons (or health coupons) you want. And, once you check out, record the receipt on your handy, dandy little Savings Star app (iPhone and Droid only) and BOOM, cash in your account. Cash, by the way, which you can redeem via bank deposit, PayPal, Amazon gift cards or even donate your savings to the American Forrest Association – that’s for the tree huggers.

You can also shop online using the cash back mall for even more great deals on (let’s face it) things you are going to buy anyway, for even more savings.

And, if you happen to be one of my readers with decent credit, if you apply for the Savings Star American Express card – and use that on your shopping adventures – you will earn an additional 10% off 100% of your purchases.

Who loves you? I do. 

Does it cost anything?


Sign up Savings Star for free using the link below!
BUT WAIT...THERE'S MORE! Yes, I know it's cheesy, but I like cheese on broccoli. 

What Sort of Head Cheapskate Would I Be If I Didn’t Go One Step Further Down the Frugal-Brick Road?

Now, we are going to get REALLY tricky. If you go to and/or clip grocery coupons from your Sunday paper, you can save on (quite literally) everything and sometimes even get a double bonus. For instance, Savings Star has a coupon on all Starbucks beverages this week, so does the Sunday paper, and so does (Boom! Triple threat.)

So, pick your poison. Go ahead, print them out or cut them out, either way, you can double grocery coupon savings without violating any of the merchandiser’s coupon policies – and without pissing off the cashier by walking in with $180 worth of coupons (I know, because I’ve done this too).

So go forth, coupon and save.

Then, share your unique savings story below. And don’t forget to subscribe to even more shopping tips….and other really cool shopping and saving stuff, of course. But never any spam. Honest.

Frugally Yours,
The Head Cheapskate

And make sure to tune into our weekly Google Hangout to ask questions of the Head Cheapskate! Every Friday at 11:30am CST. 

Friday, October 10, 2014

Weekly Frugal Recap

This is a weekly frugal recap from the head cheapskate. Don't forget to subscribe to our YouTube channel, blog and social media pages for even more money saving tips. 

Monday, October 6, 2014

Making More of Your Money With Savings Catcher

Anyone who knows me, knows that I practically live at WalMart – don’t judge me. I mean, where else could you possibly go where yoga pants, t-shirts and flip flops are acceptable leaving-the-house sort of attire? 


That’s where.

But, aside from the low key dress code and price rollbacks (gives you shivers, doesn’t it?), Wal-Mart helps me make the most of my money while using coupons and a handy, dandy little app called Savings Catcher.

Now, before my fellow Droid users freak out, yes there is an app for Droid just like there is for iPhones. (You’re welcome). And, for all of you old-school-I-don’t-like-to-use-my-phone-for-anything-other-than-a-phone people, there is also a website.

And using it? Well, using it is about as easy as 1 – 2 – 3…
  1. For iPhone users, download the app on iTunes or direct to your phone. For Droid users, download the app on the Google Play Store.
  2. Go to Wal-Mart (or, get your receipt.
  3. Take a photo of the QR code and let the app do the rest! – or manually key in your receipt number….you’ve got options!
Here’s how Savings Catcher works, in a nutshell:
The app scans your QR code, or reads the digital copy of your receipt using your receipt number, and pulls up a digital copy of your receipt for review. Then, over the next 30 days, if another store (any store) publishes a lower price on ANYTHING you purchased, Wal-Mart gives you the difference, in one of three ways:
  1. Via e-gift card.
  2. Via Wal-Mart gift card.
  3. Via Wal-Mart Credit Card or Bluebird Card

(Extra tip: If you set up your rewards to go to your Bluebird Card, you automatically get two times the rewards!)

Here are a few examples from my last two visits:

As you can see, I got $3.24 back already using Savings Catcher, ON TOP of obtaining over $180 worth of products nearly for free – thanks to my crazy, mad couponing skills (which we will cover in another blog).

Think of it this way:
If you download the app and make even 3 trips to WalMart per week (a lot more if you are me), and save an average of $3 to $5 per visit, that’s $9 to $15 per week, which is $468 to $780 per year.

I know, I know, since I put it that way, it’s kind of hard to pass it up, huh?

So go forth, fellow frugalistas, and continue pinching pennies.

And, if you don’t want to miss out on more great, upcoming savings tips that are perfect for the everyday, average user, don’t forget to subscribe to us! No spam. We promise.

Thursday, September 11, 2014

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

Monday, April 8, 2013

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! 

Friday, February 15, 2013

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!

Friday, February 8, 2013

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!

Monday, January 28, 2013

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.

Friday, January 25, 2013

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! 

Tuesday, January 22, 2013

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.