Tag: freebies

PSA: Huggies Little Swimmers Freebie

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Free Sample (Up to 2 per year) For Huggies Little Swimmer pants.

https://www.huggies.com.au/samples/little-swimmers

I have been told by a swimming instructor that these pants don’t actually contain wee, but just catch poo from escaping. This means if your little one doesn’t poo onto these swimpants you could in theory dry the swimpants in the sun until they look worse for wear. So if you only have the occasional swimmer this could make a packet of these pants last much longer.

Apps That Save You Money

apps

 

After recently destroying my iPhone 5 ( 😥 ) I decided to make the switch to an Android based phone which puts me in a tough spot in relation to finding replacement apps to ones I had known and loved for years. Particularly apps which save me a lot of money either by earning me money, or helping me manage the best deals and my budget. To save others some of the hassle I thought I’d create a list of which Apps I recommend for each operating system.

 

The types of apps I have found most beneficial are

 

  1. A money tracking app
    I strongly believe it’s impossible to be financially responsible without an system of tracking your expenditure. It’s very easy to have a $5 cup of coffee 1-2 times a day and think little of it. Seeing that you are spending $2,500 a year on coffee instead of adding it to savings, or debt, or a holiday may encourage you to start bringing a thermos from home. A money tracking app allows you to evaluate where your money is going and make choices and changes if required.
  2. An app that encourages debt payoff
    It can be hard finding motivation to pay off debt, particularly a mortgage. It seems like a never ending debt looming overhead that just constantly accrues interest. This is where an app that helps keep you motivated and on track can really help.
  3. Personal bank apps
    I think this is pretty self explanatory and I haven’t included these types of apps in the below list. Having your bank’s internet banking app on your phone allows for you to have a instant view of your accounts and to be aware of your current situation.
  4. Apps that bring in or save money.
    These can be mystery shopping type apps, free entertainment apps, or survey apps. Not a must for everyone but can still be useful.
  5. Apps that hold your loyalty cards
    I haven’t listed this in the list below because I never found one I was satisfied with on iOS and I haven’t yet looked on Google Play but the benefit of these apps is you will get all the loyalty points you deserve if you have your cards on you, but with almost EVERY shop offering loyalty cards these days it’s almost impossible to keep them all on hand.

iOS Apps:

  • I fell in love with CashTrails+ as my main money tracking app 3 years ago. It was a paid app (and still is if you choose to go with the pro version) but was well worth it for me. It had great functionality and reporting. It can take a while to set up all accounts and tags but once done to your liking the report power was awesome. The only downside I struggled with was not being able to compare records year vs year.
  • Sometimes a really simple app can be great motivation. I found Mortgage Payoff Tracker a great motivation tool while we were paying off our first mortgage because it showed in simple pie chart form as well as numbers just how much money we were saving  by making early repayments. In the end it showed we saved $200K! This app was GREAT motivation for us and whilst it’s aimed at mortgages there is no reason it couldn’t be used for other debts as well.
  • I’ve previously mentioned the Field Agent app and it’s a great way to try new things and bring in a little extra cash. I’ve been paid to buy and make my dinner, I’ve been paid for buying craft supplies from spotlight, I’ve been paid for collecting my junk mail for a week. They are generally super easy tasks, and are a nice way to get something for free.

Android Apps:

  • I’m only new to Android but so far I’m loving the look and feel of Expense Manager. From what I’ve seen in action so far it appears that there is quite the collection of reports I can run in this app, but it also has the ability to set budgets, something I’ve never actually done before, but with the help of this app I’m now attempting.
  • Luckily Mortgage Payoff Tracker is also available on Google Play! The features are exactly the same as the iOS but slightly prettier in my opinion.
  • Also available on Android is Field Agent. As mentioned above it provides a bunch of opportunities to make a little extra on the side when doing things as simple as your weekly grocery shop.
  • An extra bonus App I’ve discovered on Google Play is Google Opinion Rewards. It’s a survey type app that pays in Google Play credits. I haven’t been using it long but have $2 in credits and so far every survey I’ve done has been incredibly quick (2-3 questions) and worth what it’s paid out. The reviews are mostly decent with a few complaining more about lack of new surveys, but I think that’s a fairly common complaint with survey programs from a few people (which is why I am in so many)

Have you got any money saving apps you cannot do without?

Know Your Library

library

I’m in the Brisbane region and our council libraries have some wonderful services for it’s members. Knowing what your local libraries offers can save you heaps whilst also making it feel like you’re not being particularly frugal. For example did you know that libraries offer so much more than books these days? It costs nothing to join at council libraries but they offer our communities so much, for example my local libraries offer the following

  • Books (well c’mon it had to be said 😉 )
  • Magazines, both current and past issues on a huge range of topics (gardening, gossip, health, photography, craft, and finance to name just a few!)
  • DVD’s. These unfortunately aren’t always treated with the greatest care so can sometimes be scratched. However it can be a good way to have a family movie night with zero expense.
  • CD’s. My library has a huge range of CD’s, some popular singers and some a bit more obscure – but it’s a great FREE way to find some new music you might enjoy. There are also kid’s CD’s so you need not pay to get annoying songs stuck in your head 😛
  • Electronic resources. My council library has a bunch of electronic resources including apps to borrow ebooks and audiobooks and even free to keep mp3 downloads including current pop songs. The audiobooks have been a lifesaver when little Mister wants me near while he sleeps but I’m not ready for bed just yet.
  • Events such as weekly rhyme time for juniors, school holiday activities and talks with authors to name just a few.

So with the help of my lovely local librarians I can watch some dvd’s for a date night, always have books on hand for little Mister, read my favourite magazine, socialise with other mums and bubs and learn new skills – all for free!

Do you take advantage of your local libraries?