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30 Best Websites And Apps That Will Save You Money On Almost Everything

30 Best Websites And Apps That Will Save You Money On Almost Everything

In these tough economic times, most of us are doing what we can to save money. There are many websites that can help you do just that, and you can often get a lot of stuff for free. Here are 30 of the best websites in the world that will help you save money on just about everything:

1. Five Dollar Dinners: Recipes, Printable Coupons

5 dollar dinner

    Find recipes for family meals that only cost $5 or less to make and save money on your grocery bills. Check out saving strategies, coupon database and browse recipes by ingredients.

    2. PaperBack Swap: Trade Used Books for Free

    Paperback swap

      Take those old books you’ve already read and trade them for some you haven’t read. It’s so easy to use PaperBack Swap: just list books you’d like to swap with other club members. Once a book is requested, mail it to the club member. It is that it’s totally free!

      3. Savored: Free Way to Make Online Reservations and Pay Lower Prices

      Savored

        Get restaurant free reservations and save money on your bills so you can afford to dine out more often. Site is designed well and extremely easy to use. Savored is a Groupon company, so it will help you save up to 40 percent. Just choose the city, number of people and date!

        4. Gazelle: Sells and Recycle Electronics

        Gazelle

          Don’t throw away your old electronics. Trade them on Gazelle and make money: select your device and get an offer in just a few steps. There is no risk at all and Gazelle offers free shipping!

          5. FreeCycle: Changing the World One Gift at a Time

          Freec

            Find a network of people who are trading free goods in their own communities. Freecycle has 7,888,541 members all over the world. It is free to use. To sign up, find your community by entering it into the search box above or by clicking on ‘Browse Groups’ above the search box.

            6. Free Printables: Printable Labels, Gift Tags and Note Cards

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            Free printables

              This is a Pinterest board with amazing DIY design ideas. You can save a lot of money when you use it for coloring books, calendars, cards, and other printed items.

              7. CellSwapper: Get Out of Your Cell Phone-Mobile-Wireless Contract

              Cellswap

                Switch or give away unwanted cell phone plans without worrying about breaking contracts or additional fees. Here is the service idea: you post your cell phone plan details online and attract buyers; somebody takes over your wireless contract and you become 100 percent contract free! CellSwapper has great customer support.

                8. Trusted Cleaner: Find Your Local Professional

                Trusted Cleaner

                  Find the best cleaning companies in your area, as well as the best deals on cleaning services. To find a list of recommended cleaners in your local area just enter the service you require and your location. Choose from carpet cleaning, home cleaning, gutter cleaning, office cleaning, and many other services.

                  9. Camel Camel Camel: Amazon Price Tracker

                  Camel

                    Get the price history of any item on Amazon, and be alerted when items go on sale. You can easily create Amazon price watches, it is free! Camel Camel Camel has extension for Mozilla Firefox and Google Chrome called The Camelizer.

                    10. Money Saving Mom: Intentional Finance. Intentional Family. Intentional Business

                    Moneymom

                      Here you will find money-saving tips, as well as coupons and weekly deals on household items. What you’ll find at MoneySavingMom: Deals, Steals & Coupons; Money-Saving Tips & Frugal Ideas; Deals at Your Local Stores; Coupon Database. Website goal is to tell you about practical ways to help you save money in everyday life.

                      11. ThredUp: The Largest Online Consignment & Thrift Store

                      Thredup

                        This is an online consignment store for women and children. Instead of tossing out kids’ clothing that has been outgrown, simply sell it on consignment and get some of your money back. ThredUp donate proceeds from the items they do not accept to charities like Teach for America. Orders over $50 ship for free. If you want to return an item they will refund you. Just return it within 30 days.

                        12. GasBuddy: Find Low Gas Prices in the USA and Canada

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                        Gasbuddy

                          Find out where to find the best prices on fuel in your area. Join now, and get a chance of winning a $100 gas card by reporting gasoline prices. GasBuddy also provides historical gas price data, charts and statistics.

                          13. Swap a DVD: Movie Club to Swap, Trade & Exchange Used DVDs

                          swapdvd

                            This is the same as PaperBack Swap, but you are trading movies instead. List movies you’ve already watched. Once a DVD is requested, mail it to the club member. In return, you may choose from 255,333 available movies! However, a 49-cent swap fee applies to receiving DVDs. DVDs you request are mailed to you postage-paid.

                            14. Supercook: Recipe Search by Ingredients You Have at Home

                            supercook

                              Find money-saving recipes that using the items you already have in your kitchen. Just click any ingredient to focus on and you’ll get the list of recipes.

                              15. The Krazy Coupon Lady: Extreme Couponing

                              Krazy Coupon

                                This is a giant database of printable and mobile coupons, as well as deals from national retailers. Also the sites has a huge Tips section with the DIY, Family, Money, Home, Recipes, Style, Travel information.

                                16. SecretSales: Secret Sales, Discount Designer Clothes Sale

                                Secret sales

                                  Get the lowest prices on luxury gear from Burberry, Firetrap, and other fine retailers. Experienced team of buyers work with over 600 brands to bring you new sales every day. The best selection of products across a range of categories including fashion, accessories, beauty and homeware. Mostly sales last between 2-4 days and have discounts up to 70 percent off, so you’ll need to be quick!

                                  17. Yapta: Track Flight Prices and Check for Airline Refunds

                                  Yapta

                                    You will be alerted in real time when the prices go down on airline and hotel prices so you can have the most economical vacations. Yapta has an app to track flights and hotels, with real-time iPhone alerts.

                                    18. Temptalia: Beauty Blog, Makeup Reviews, How to Makeup

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                                    temptalia

                                      Find high quality copycat versions of your favorite high-end makeup brands at affordable prices. Temptalia was founded in October of 2006 by Christine Mielke. SIte is a global reference and resource for beauty enthusiasts featuring in-depth reviews, photos, swatches, tutorials, and beauty tips.

                                      19. Superior Resource: Print Shop

                                      Superior Resource

                                        Do you need to get anything printed? Superior Resource is the best way to save money on printing and get the best result. Superior Resource provides printing on all kinds of invitations, brochures, envelopes, stationery,  labels, pocket folders, annual reports, also large format pieces can be printed.

                                        20. AirBnb: Vacation Rentals, Homes, Apartments & Rooms for Rent

                                        airbnb

                                          Save money on vacation rental properties with AirBnb! Find cheap accommodations: rent a room, apartment, house, or even a castle. Airbnb is a trusted community marketplace for people to list, discover, and book unique accommodations around the world — online or from a mobile phone. Airbnb connects people in more than 34,000 cities and 190 countries.

                                          21. Swap: Swap, Sell and Buy Pre-Owned Kids’ Items

                                          swap

                                            This the world’s largest swap marketplace, with 1.2 million members worldwide. Swap books, CD’s, and other media to get new stuff and get rid of old stuff. You can pay for the items with your own items. You can also buy or swap items from multiple users and combine them into one shipment.

                                            22. FashionVouchers: Fashion Voucher Codes, Fashion Sales and Fashion Deals

                                            fashionvoucher

                                              Get vouchers for shops as well as online stores and get the latest looks at low prices. It’s really easy to use FashionVoucers: you can browse all vouchers, check out the top 10 vouchers, browse all stores, and even find vouchers by category.

                                              23. Made: Great Design Direct From the Makers

                                              made

                                                Save as much as 70% off contemporary furniture designs when you buy directly from the manufacturers (No warehouses! No physical stores!). Special features of Made are grouping order, real time tracking and fuss-free returns.

                                                24. HomeDiscount: Everything For The Home Up To 75% Off

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                                                HD

                                                  You can save as much as 75 percent off items for the entire home, including the bathroom and kitchen. They are so confident of their low prices, that site offers a Price Match Service. HomeDiscount has a huge selection – over 20,000 products.

                                                  25. Visitbritain: Destinations and Attractions Throughout England, Scotland, Wales & Northern Ireland

                                                  visit brain

                                                    Find the most fun and least expensive activities for economy vacations in Britain. Visitbritain has over 150 Britain products in their online shop: from transport tickets to popular attractions and sightseeing passes.

                                                    26. Independent Traveler: Train Deals

                                                    IT

                                                      Get the best deals on train travel, as well as deals on many attractions. Check out trip reviews and forum.

                                                      27. Coupons: Free Printable Coupons, Grocery Coupons & Online Coupons

                                                      Coupon

                                                        You can find deals on just about everything here. Instead of waiting for coupons in your local newspaper, you can get as many as you like on this website, whenever you want them. There is also the mobile app GroceryIQ, where you can get mobile coupons.

                                                        28. Getaround: Peer-To-Peer Car Sharing and Local Car Rental

                                                        get around

                                                          This is a great site for those who need reliable transportation but don’t have automobiles. This site allows people to borrow or rent vehicles. This is also great for car owners who want to make some extra cash. You can use the iPhone app to borrow or rent cars.

                                                          29. HomeAway: Vacation Rentals, Beach Houses, Cabins & More

                                                          homeaway

                                                            If you want to travel but don’t want to stay in hotels, you have the option to rent a home. There are approximately 1 million rentals at any given time on HomeAway. All you need to do is sign an agreement, pay a deposit, and start your vacation.

                                                            30. JustPark: Find Your Perfect Parking Space

                                                            Just park

                                                              You can rent out a private parking space or garage. JustPark is exactly like AirBnb, except for parking spaces. Just Search – Book – Park.

                                                              Featured photo credit: Carol Pyles via flickr.com

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                                                              Jane Hurst

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                                                              Published on May 7, 2019

                                                              How to Invest for Retirement (The Smart and Stress-Free Way)

                                                              How to Invest for Retirement (The Smart and Stress-Free Way)

                                                              When it comes to stocks, I bet you feel like you have no idea what you’re doing.

                                                              Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

                                                              Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

                                                              You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

                                                              Here’s how to invest for retirement the smart and stress-free way:

                                                              1. Know Clearly Why You Invest

                                                              Odds are you already know why should invest for retirement.

                                                              But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

                                                              • Will you spend more time with your family?
                                                              • What does retirement mean to you?
                                                              • Are you looking to launch that business you’ve been holding off for years?

                                                              Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

                                                              Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

                                                              2. Figure out When to Invest

                                                              “The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

                                                              It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

                                                              The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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                                                              A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

                                                              Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

                                                              3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

                                                              Investing your money well depends on your emotions.

                                                              Why?

                                                              Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

                                                              Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

                                                              Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

                                                              Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

                                                              4. Open a Reliable Retirement Account

                                                              Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

                                                              If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

                                                              You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

                                                              1. Vanguard
                                                              2. TD Ameritrade
                                                              3. Charles Schwab

                                                              5. Challenge Yourself to Invest Consistently

                                                              Committing to invest for retirement is hard, but continuing to do so is harder.

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                                                              Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

                                                              That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

                                                              Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

                                                              A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

                                                              6. Consider Where to Invest Your Money

                                                              The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

                                                              Robo Advisors

                                                              Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

                                                              Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

                                                              Bonds

                                                              Think of bonds as “IOUs” to whomever you buy them from.

                                                              Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

                                                              Here are the different types of bond categories:[5]

                                                              1. Treasury bonds
                                                              2. Government bonds
                                                              3. Corporate bonds
                                                              4. Foreign bonds
                                                              5. Mortgage-backed bonds
                                                              6. Municipal bonds

                                                              Mutual Funds

                                                              Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

                                                              One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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                                                              Real Estate

                                                              Yes, buying a home is an investment when done correctly.

                                                              Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

                                                              This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

                                                              But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

                                                              Savings Accounts

                                                              Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

                                                              7. Master Disincline to Dodge Short Success

                                                              Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

                                                              So how can you master delayed gratification?

                                                              By building your discipline.

                                                              Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

                                                              Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

                                                              8. Aggressively Invest on This One Investment

                                                              I’ve mentioned several types of investments but haven’t covered the most important one.

                                                              It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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                                                              More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

                                                              But, how can you invest yourself?

                                                              Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

                                                              Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

                                                              But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

                                                              Retire Happy with Excess Money

                                                              The key to a secure financial future doesn’t only belong to financial experts.

                                                              It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

                                                              I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

                                                              Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

                                                              One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

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                                                              Featured photo credit: Matthew Bennett via unsplash.com

                                                              Reference

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