21st Century Frugal

 10 Apps to Make And Save Money You peruse sales flyers, make shopping lists, and even plan your errands to conserve gas. Your goal is to save as much money as you can on a daily basis, and you're off to a great start. What if you could level up your efforts and reach your savings goals even faster? You can, and the key to your success is probably in your hand right now. Your smartphone is the tool you need to make and save money. Apps & Your Frugal Goals What's the best way to live a frugal life and achieve your financial goals? I think the key to success is to take advantage of whatever tools are available to help you save and earn money. That's what the apps listed below have to offer. You can use these to save money on daily purchases, or earn passive income by way of cash and rewards.  Note that the focus here is on saving money and passive income. Check out this post on side gigs and other options to actively earn additional income in your spare time . 1. Upside

Expense Tracking: Let's Get Started! Welcome! This is my first post, but I've been doing the frugality thing for awhile. As I was brainstorming frugal topic ideas, I remembered that the first step I took in my journey was simply learning to track my expenses. It's something I found immensely helpful, and I hope you will too! Why Track Your Expenses If your finances are in trouble, you need a clear picture of your current situation before you can fix your problems. Think of financial woes as the disease. Expense tracking is like the diagnostic tool that allows you to pinpoint right where things are going wrong. It's an x-ray of your finances. No Judgment: Just The Facts When you start tracking your expenses, you may find some things that make you feel guilty or even foolish. Don't let the process get you down. You are taking an important step to getting control over your finances. You should be proud of that. How to Track Your Expenses Choose Your Methods There are a