I created this page to show you all the apps and companies I use for financial success. I have used and highly recommend these services as ways to save and earn more money.
If you want to read about how I set up my money system, along with all of the tools I use to keep my financial life running smoothly, make sure to read: The Financial Panther Money System (The Accounts, Tools, and Apps I Use In My Financial Life).
Disclosure: There are some affiliate links below, but these are all products I use or have used and highly recommend.
Netspend: Get a 5% interest savings account and a free $20 bonus. If you’re only getting 1% interest on your savings account, you’re totally missing out. Instead of getting no return on your cash, sign up for a few prepaid debit cards with Netspend and you’ll be able to earn 5% guaranteed interest on a minimum of $5,000. It takes a little bit of upfront work to set up, but once you’ve done that, your Netspend accounts run themselves with absolutely no fees. It’s definitely the best place to store your emergency fund. And the great thing is that you also get a $20 signup bonus just for funding your first Netspend account. Read my guide on how to set up your 5% interest savings account: Netspend Account: 5% Interest Savings and $20 Signup Bonus
Simple Bank: 100% Fee Free Online Checking Account and $20 Signup Bonus. Simple bank is an online-only checking account that works perfectly for me (and naturally, as a tech-savvy millennial, I don’t have any real need to go into a physical branch to do my banking). It’s 100% fee-free (literally, they charge no fees for anything). They have one of the best-looking and intuitive banking apps out there (very important to me since my phone is my life) and they have really good customer service.
Ally Bank: A 100% Free Online Checking Account and Savings Account. Ally bank is another great option for both a checking account or a savings account. It’s 100% free, has no minimum balance requirements, has a good app, and offers a great interest rate on savings. My wife uses Ally as her primary checking account and I use Ally mainly as a savings account for any money that I can’t put into my 5% interest accounts. Ally is also the best bank to use as your “hub” bank account, since it lets you link up to 20 external bank accounts. Since Ally is 100% free, you really don’t lose anything by just having an Ally bank account in your financial system.
Capital One 360: Great Savings Account For Short-Term Goals. I’ve had a Capital One 360 account way back when it was still ING Direct. Capital One 360 is a really good savings account because of how it lets you make sub-savings accounts. I’ve created different sub-savings accounts for all of my short-term goals. Plus, it’s a 100% free bank also with no minimum balance requirements.
Dosh: Automatic cash back for purchases you make at certain places and a free $5 signup bonus. I’ve been using Dosh for a few months now to earn approximately 7% cashback on my spend at various restaurants and breweries around me. What makes Dosh really great is that it’s completely passive once you set it up. You just link your credit cards to Dosh and if you spend money at a participating place, you automatically get cash back to your Dosh account. You can then cash out your earnings to your regular bank account.
Drop: Earn points that you can redeem for gift cards. Another cashback app where you link your credit cards and get points back based on spend at certain places. Drop also offers special deals which allow you to earn more points for certain purchases. These are rotating categories that you technically have to activate, so every once in a while, you’ll need to go into the app and activate these deals. It takes only a few minutes to sign up and get everything set up, so it’s not really a big commitment to get started. If you sign up for Drop and then enter my promo code – lsfnz – you’ll get 1,000 Drop points to start off your account. Yep, you’ll be rich!
Ebates: A no-brainer Google Chrome extension that everyone should have in their browser, plus $10 signup bonus. With Ebates, you basically get cashback on almost any purchase you make online – typically around 2% -5% back. The extension only takes a few seconds to set up, and once it’s in your browser, it’ll automatically notify you if you’re on a website where Ebates offers cashback. I think everyone should use Ebates if they buy anything online. It’s pretty much a waste not to have it set up. Plus, use my link and you’ll get $10 free once you signup!
Honey is another no-brainer Chrome extension. Like with Ebates, it runs automatically in the background while you’re shopping, only instead of cash back, Honey helps you get immediate discounts on your purchases. Here’s how it works. Once you get to a checkout screen, Honey automatically scans for any promo codes that you might be able to use and then applies the promo codes to your purchase. I’ve saved hundreds of dollars by having this extension running in the background. It takes 10 seconds to set it up and is definitely something that everyone should use. There are a ton of discount and promo codes floating out there, so you might as well get use of them.
Earny: Get refunds for things you buy that drop in price later. Most people don’t realize it, but if you buy something and the price drops a little later, most retailers will give you a refund on the difference. The issue, obviously, is tracking this. None of us have time to go around tracking prices on our purchases. Earny takes away this problem by monitoring your purchases for you and then getting you refunds when there’s a price drop. They charge 25% of any refund they get you, but that’s worth it when you consider that you’d normally get nothing back.
Qapital: Save your spare change and get a $5 signup bonus. A great way to save more money is by making it automatic. Qapital is one of the apps I use to do just that. You can set rules with Qapital so that it’ll save money for you when you do certain things. My favorite rule is the round-up rule. Every time I buy something, Qapital rounds up my transaction to the nearest dollar and saves the difference for me. Sign up for Qapital below and you’ll get a $5 signup bonus. Read my Qapital review: Qapital Review – A Free App To Automate Your Savings
Credible: Refinance your student loans and get a $200 signup bonus. A great way to save money on your student loans is by refinancing them to a lower interest rate. Credible is a great tool because it’ll get you a bunch of rates in one spot from a bunch of different student loan refinancing companies. From there, just choose the company that offers you the best rate. Plus, if you refinance your student loans using Credible, you’ll get a $200 signup bonus.
SoFi was the first company that I discovered when I refinanced my law school loans and it’s definitely the biggest player in the student loan refinancing space today. Getting a lower interest rate is great and will make it easier to pay off your debt fast. But the thing that makes SoFi really unique is access to the member events. I know that me and my wife have easily snagged $1,000 worth of free food and drinks between the two of us. And, you get to keep going to these events even after you’ve paid off your loans!
Prism: Manage your bills. Without a doubt, the best bill management app out there has got to be Prism. I’ve been using Prism now for several years to help me manage and pay all of my bills in one spot. Best of all, it’s a totally free app. I used to always forget to pay my bills on time, but since discovering Prism, I’ve never been late on paying a bill. Read my Prism review: Prism App Review – An Awesome Free Bill Management App
Mint: Track your net worth. It’s probably my most used financial app. The first thing I do when I wake up is to open up Mint on my phone and check what all of my accounts look like that morning. If you’re not using Mint, you are missing out on a powerful tool to track your finances.
Personal Capital: Track your investments. When it comes to tracking your finances, it’s a good idea to have multiple apps tracking your accounts. The part that Personal Capital really shines is with its investment tracking tools. You can see your asset allocation, figure out how much you need to save, and all of that good stuff. And best of all, Personal Capital is totally free. Even if you’re already using Mint, you should also be using Personal Capital. It makes a great 1-2 punch with your money tracking.
Airbnb: Save money on travel or make extra money. Whenever I travel, I almost always use Airbnb. It’s usually much cheaper than staying in a hotel and it allows you to get a more authentic travel experience. Sign up using my link and you’ll get $40 to use on your first stay. And if you’re looking to make extra money like I do, sign up to be an Airbnb host and you’ll get a $50 bonus once you host your first guest. Read a little bit about why I rent out a guest room on Airbnb: Making Money With Airbnb: Why I Rent Out Our Guest Room
Rover: Make money watching and/or walking dogs. If you’re a dog lover, then you should definitely sign up to be a dog sitter on Rover. I’ve been watching pups now for over two years and have been having a blast doing it. The best part is dog sitting doesn’t add much extra work for me because I already have my own dog. If you think about it, watching two dogs isn’t really all that much different from watching one. Read about my experience as a dog sitter: How I Make Over $2000 Per Year On DogVacay and Rover
Postmates: Get paid to bike. If you like biking or are just looking to make some extra money, delivering food with Postmates is something you should consider doing. You can use a car to do your deliveries, but I much prefer using my bike. It’s like I’m getting paid to exercise! Postmates sometimes offers signup bonuses. These bonuses typically range from between $50 to $200 and usually require you to do 30 deliveries in a month. Read about my experience delivering food on my bike: My Postmates Review: Getting Paid To Bike Around Town
Uber Eats: Earn extra money. I always think it’s a good idea to platform stack different delivery services, which is why I recommend signing up for Uber Eats. You can also do deliveries with Uber Eats using your bike, so you’ll get exercise and make some extra money while you’re doing it. Signup bonuses vary, but are typically at least $100 and can go all the way up to $1,000. You usually qualify for these bonuses after doing 10 to 30 deliveries (it depends on what city you’re in). It’s definitely worth doing to at least snag those signup bonuses. Just make sure you use my link below.