June 7, 2025
TL;DR: Think your money’s ghosting you every month? You’re not alone. But with a few taps, swipes, and one clever budgeting tool, you can flip the script. I saved $500 this year using cashback apps like Rakuten, Ibotta, and Fetch Rewards—plus a budget-friendly lifesaver called Monarch Money. Here’s how you can stack those savings too.
Ever feel like your cash disappears faster than your phone battery during a TikTok binge? Yeah, same. But plot twist: I found a way to actually get money back just for shopping—and it doesn’t involve extreme couponing or giving up your favorite oat milk lattes.
I’m six months into the year and already $500 ahead, thanks to a combo of cashback apps and one budgeting tool that ties it all together. Now it’s your turn to join the savings squad.
The Strategy: Budget Like a Boss, Cashback Like a Pro
Who: A millennial (me) navigating bills, brunch, and everything in between.
What: Cashback apps + a smart budget tracker.
Where: Online and in-store, wherever deals live.
When: Over the past 12 months.
Why: Because saving on everyday stuff adds up.
How: I stacked cashback offers while tracking my spending with Monarch Money.
💸 Top Cashback Apps That Actually Pay Off
1. Rakuten
Get cashback from tons of major online retailers just by starting your shopping trip in the app (or browser extension). Easy peasy.
👉 Join Rakuten here (affiliate link) and get a welcome bonus!
2. Ibotta
Earn real cashback on groceries, clothes, and more. Just snap a pic of your receipt after shopping.
👉 Bonus: They offer bonuses when you refer friends. Cha-ching!
3. Fetch Rewards
Scan any receipt (yes, even that gas station one) and earn points toward gift cards.
It’s basically turning trash into treasure.
📊 Monarch Money: The Budgeting App That Pulled It All Together
Monarch Money became the control center of my financial glow-up. It helped me track where my dollars were disappearing—and redirect them toward my goals.
I saved $179 just by avoiding impulse buys, and trust me, that was a low estimate. According to studies, the average person drops $750/year on impulse purchases. Monarch helped me cut that nonsense out.
Monarch Money Review (Real Talk)
Pros:
✅ Clean, easy-to-use dashboard
✅ Syncs with banks and credit cards in real time
✅ Couples/family budgeting mode (no more money fights)
Cons:
⚠️ Monthly subscription (but cheaper than a latte habit)
⚠️ Some banks have occasional sync bugs
Join Monarch here (affiliate link) and get a 7 day trial or 50% off. Don’t hold me to it depending on when you read the article.
🔥 Tips to Maximize Your Savings
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Stack the Stack: Use cashback apps with store sales and credit card rewards. Triple dip your savings.
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Budget Check-In: Review your spending weekly. You’ll catch those sneaky subscriptions or $30 sushi nights.
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Set a Money Goal: Whether it’s a trip or debt payoff, aim for something specific—it keeps you focused.
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Automate It: Set your bank to auto-transfer money into savings. Out of sight, into savings.
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Stay in the Loop: Offers change! Check your apps regularly for new promos and updates.
Final Thoughts
With the right mix of apps and intentional budgeting, I turned my regular spending into real savings. $500 might not sound life-changing, but it’s proof that little steps add up fast. And hey—if I can do it between Target runs and coffee breaks, so can you.
FAQs
Q: Are cashback apps safe to use?
Yep! Reputable ones like Rakuten, Ibotta, and Fetch Rewards use encryption to protect your data.
Q: Do I have to link my bank to Monarch Money?
You can for real-time tracking, but you can also manually add transactions if that feels safer for you.
Q: Can I use multiple cashback apps at once?
Absolutely. The more, the better—just don’t forget which ones you’re stacking!
💡External:
BBB Tip: What to know before downloading a cashback app
Overdraft and Account Fees – FDIC
💡 Internal Reads:
👉 Money Habits That Made Millionaires in Their 30s—Can You Copy Them?
How to Start Earning While You Sleep: Passive Income Tools 2025
How I Automate A Monthly Budget in 10 Minutes 🚀
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⚖️ Financial Disclaimer
This post is for educational purposes only and does not constitute financial advice. Always speak with a licensed advisor for guidance on your specific situation. Some links may be affiliate or partner links that help support this site. We only recommend tools we believe add genuine value to your journey.
