Southern Blondie: Financial

How to Feel Smarter Every Day

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Every weekend I tell myself I'm going to get my life together, and every Monday morning I wake up asking myself why didn't I do more to prepare for the week. I'm never going to be the person who puts together their outfits before the week, spending all Sunday working on meal prep is not my thing, and, let's be real, I'm not going to get up early on Monday to go for a run. 

What works for me? Well, having clean clothes, making sure I have my Special K Red Berry cereal for breakfast and knowing that everything I need to know will come to me in my email. 

My mornings start out something like this... 

The alarm goes off, I press snooze once or twice, then I find the remote and turn on Good Morning America (GMA). I stagger out of bed, turn GMA on louder so I can shower and get ready. While I am blow drying my hair, or putting on makeup, I do a few things that help me feel smarter before the work day. Grab a bowl of cereal, grab my iPhone and start reading ...


The Skimm




I read the Skimm every. single. day.  The Skimm is a daily email newsletter that makes it SO easy to feel smarter when it comes to global & U.S. topics. Don't get me wrong, I love a good NY Times article, but this sums up that article so if you're short on time you're not short on knowledge. 


Here's a sample of part of the daily email newsletter. It's free to signup - and you can be part of a great community. Signup to the Skimm for free here. 


Morning Brew 



My second email that I read every morning is the Morning Brew. This daily e-newsletter is really focused on business and is focused for millennials (which is just a buzz word because it's great for everyone).  The Morning Brew breaks down the market, what's happening with the U.S. economy, and gives good overviews of things that are good to know. 


Here's a little screenshot about what's including in the Morning Brew e-newsletter. You really can't go wrong for signing up for the Skimm and the Morning Brew. Signup for free here.


Digit

So Digit is a little different than the other two because Digit saves money without you having to think about it. How does it make you feel smarter? Digit sends you a daily text message with how much money is in your checking account and saves you money without you realizing it. AND THIS IS FREE.

Here's out it works. You signup for a Digit account here. Then you enter in your banking information. This is safe, I promise, I did a lot of researching about it before I trusted anyone with that kind of information. Next, they send you a daily text every morning with your updated checking balance. 


Now, here's where the savings part comes in... Let's say you spend $40 on eating out on Friday night... Digit might take out $12 the next day and save it in an account. If you get paid on the first of every month, Digit will start to take out a little money before you get paid and save it. It learns your spending habits and starts to save from there. If it's not saving enough for you then you can choose to be a little more aggressive. If it's saving too much, then you can tell it to slow down a little. It's up to you and your spending habits. One friend of mine has saved up enough for a fancy new pair of shoes. I use my Digit savings for travel. Seriously. Try it. 

Signup for Digit today. 

Also, this weekend I saw Dolly Parton in concer with my mom. It was AMAZING, and I LOVE Dolly. I even bought a $40 t-shirt because I couldn't imagine leaving there without that piece of memorabilla. So, if I don't have time to meal prep for the week, that's OK, because I have a memory that's so much more than a fridge full of cut up veggies. 
A photo posted by Maegan Clark (@maeganclark) on




The Skimm, Morning Brew and Digit are three things I do every morning to feel prepared for the day. What do you do to feel smarter and feel ready for the day/week? 


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FREE Apps to Help You Save Money in 2016

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There's nothing I love more than shopping - except a really good deal or saving money. It might seem a little counterintuitive, but I love saving as much as I love spending. And if I'm going to be shopping, I want the best deal possible. 

That's why I use these four apps to earn free money and save on things I will buy anyway. 

1. Ebates 


Ebates Coupons and Cash Back


For my online shopping (which is the majority of my shopping) I use Ebates. I've found this the easiest way to actually make money while shopping online. How does it work? Just sign-up for an account and check for deals. If you download the Ebates extension for your browser, deals will automatically pop-up when you're on rebate sites! Signup for a free account here

2. Ibotta 




Ibotta is similar to Ebates in that you make money when you shop. I really like this app for grocery shopping because you can earn money for things you will buy anyway like tomatoes, carrots, peppers. 


Here's how the app works: 

1. Download the App
Download the Ibotta app, available on iOS and Android. The app is required to submit a receipt.
2. Unlock Rebates
Before you go shopping, unlock cash rewards on great products by completing simple tasks.

3. Go Shopping
Buy the products you’ve unlocked at any supported store.

4. Verify Your Purchases
Scan your product barcodes, then submit a photo of your receipt.

5. Get Cash
You’ll have the cash deposited into your Ibotta account within 48 hours.


You can even set up loyalty cards with Ibotta! 




RetailMeNot is GREAT for online coupons. Instead of printing them, or searching for them online while you're in the store try this app. If you're going to be shopping anyway, why not save 20%?




GasBuddy is an app I've been using for a couple of years now. Since I'm a little obsessive at times about saving money where I can, this one can really add up. It's a free app that shows you the cheapest gas near you. This one is great for traveling because if you can see where you should stop for the best possible gas price! 



These are my four FAVORITE free apps that I have found to be the most useful in saving money or earning free money.  Which ones do you use?

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