My new book + $75 in FREE bonuses 🎉 and more...

Our basement apartment was so small that I could plug the vacuum into one outlet and vacuum the entire place without ever moving the plug. This was during Jesse’s law school years — the “we couldn’t afford $3 fish food” days I shared about ... ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  View Online Here's what's new: My new book + $75 in FREE bonuses 🎉 Fetch Rewards App: Earn Cash for Scanning Receipts (Plus, get up to 3X points this week!) My new book + $75 in FREE bonuses 🎉 Our basement apartment was so small that I could plug the vacuum into one outlet and vacuum the entire place without ever moving the plug. This was during Jesse’s law school years — the “we couldn’t afford $3 fish food” days I shared about earlier this week! We had a tiny galley kitchen, one car, and an even tinier budget. We learned to make do or do without and be content with what we had. But we also found ways to creatively stretch what we had to make memories. Some of our favorite date nights included: Going to Barnes & Noble, browsing books, and getting a coffee to share using a gift card I’d earned by taking surveys online. Heading to the library to find books and movies to check out. Or, if we really wanted to splurge, dumping out our coin jar to see if we had enough for each of us to get something off the dollar menu at McDonald’s and rent a $0.50 movie at Family Video! Those little date nights gave us something to look forward to while we worked toward something we cared deeply about: getting Jesse through law school without debt. This was a commitment we had made early in our marriage. We knew that short-term sacrifices could lead to long-term benefits — and they absolutely have (we ended up being able to pay cash for our first house a few years after Jesse graduated from law school!) Having that goal didn’t make our budget bigger. But it helped us decide how we wanted to use the money we did have. Maybe you’re trying so hard to be careful with money, but you still second-guess even small purchases. You want to enjoy dinner out with your family without wondering afterward whether you should have saved that money for something else. You’re tired of asking: Can we afford this? Should I buy this for the kids, or do we need that money for something else? How much should we be setting aside for upcoming expenses? Will we be able to afford college? Will we actually be able to retire some day? You want a plan that helps you answer those questions. In my brand-new book, The 7 Habits of Financially Healthy Women (it comes out on Tuesday!!), I help you identify your priorities and walk you through building a realistic budget in under an hour. I’ll teach you how to: Calculate the income you actually have available. Separate regular bills from expenses that change. Set realistic spending amounts based on your actual life. Plan ahead for expenses like Christmas and car maintenance. Choose a tracking method you’ll use. And if you add everything up and realize your expenses are higher than your income? We work through that, too. You don’t have to have extra money or have everything figured out before you begin. I want you to be able to look at your plan and know what’s available, what needs to wait, and what you’re working toward. When you’ve planned for an outing, you can enjoy it. When you pass on a purchase, you know what that decision is helping you accomplish. That doesn’t mean every money decision will suddenly be easy. But you’ll have a plan to come back to instead of trying to figure it out all over again every time. My heart is to help you start right where you are, figure out your next steps, and build simple habits that work in your real life. So you can stop feeling like you’re constantly starting over and begin seeing progress. If you’re tired of second-guessing your spending and want help creating a plan that fits your actual life, I wrote this book for you. Pre-order your copy + claim your FREE bonuses here!  And because I want to help you put what you’re learning into practice, I’ve put together $75+ in FREE bonuses when you pre-order! Here’s what you’ll get: 5 Days to a Financially Healthier You Video Course — short lessons and printable worksheets to help you take action a few minutes at a time. Couples’ Guide to Healthy Money Conversations — practical prompts to help you understand each other and work toward shared goals. 5-Day Budget Makeover — one doable lesson a day, delivered to your inbox. Money Reset Toolkit — including a 10-Minute Money Reset and a roadmap to help you figure out what to do first. We’ll be selling these bonuses as a bundle starting in January, but you can get them FREE when you pre-order before the offer ends Tuesday, October 27, at midnight. The book releases October 27, so you only have a few days left to get the full bonus bundle! Pre-order your book + see how to claim your $75+ FREE bonus bundle here! P.S. If you can’t afford to buy a book right now, you can still qualify for the $75+ pre-order bonus bundle! Ask your library to carry the book, then email a screenshot of your request to crystal@moneysavingmom.com. I’d love for you to have these resources, too!       Fetch Rewards App: Earn Cash for Scanning Receipts (Plus, get up to 3X points this week!) Looking for honest Fetch Rewards reviews? The Fetch Rewards app is SO easy to use to save money on groceries! Looking for other apps where you can earn money or gift cards for free? We recommend Ibotta, Upside, CoinOut, and Swagbucks. What is Fetch Rewards? Fetch Rewards is a free app (for iOS or Android) that allows you to earn free gift cards to Amazon, Panera, Barnes & Noble, and so much more — just for scanning your grocery receipts. (Psst! You can now also redeem eReceipts to earn points for online purchases, too!) Want to make a little extra money from scanning your grocery receipts? Keep reading! (Plus, use my link to sign-up to get a BONUS 2,000 points!) Fetchtopia Week Wow! This week is Fetchtopia Week which means users can get 2X-3X the normal amount of points on select brand offers, shopping, and receipts during the event. There is no unique link or code required. Check your app as there are hundreds of amazing offers starting today. Valid through October 27, 2026. How does Fetch Rewards work? All you have to do is download the app from your mobile device, take a picture of any receipt (within 14 days), and hit submit. Just like that, you’ll get points back (literally, you get 25 points just for submitting the receipt!) You can then cash in these points for fantastic gift cards to help you stretch your budget a little further OR be able to afford some fun splurges! How to use Fetch Rewards After you download the Fetch app on your mobile device, you’ll sign up with your email address or through Facebook. Once you’re in, use the orange camera icon to scan any receipt within 14 days. You’ll get points for every receipt you scan, and when you earn enough points to redeem a gift card (minimum 3000) you can cash in your points for eligible gift cards. The gift cards will show up in your email within a few minutes… then all you need to do is spend them! Are Fetch reviews positive? Here are a few PROS of Fetch: It’s free! It participates with almost every store, including chain and local stores. There’s no need to clip coupons before you shop — just scan your receipt. It works with a HUGE network of brands. Scanning receipts is quick and easy. You don’t need to wait to get your gift card rewards. The app currently has a 4.8/5 star rating in the App Store and a 4.6/5 star rating in the Google Play Store. And some CONS: You need to remember to upload your receipts within 14 days. In order to upload eReceipts, you must connect your email and/or Amazon accounts. You can not get cash back or a direct deposit to your Paypal or bank account. There’s an upload limit of 35 receipts per 7-day period. Your points expire after 90 days of inactivity. Reasons I Love the Fetch App Here are 7 reasons why the Fetch Rewards App is so great: 1. You Can Scan ANY Receipt Just about any and all receipts qualify — including receipts from Aldi, Dollar Tree, gas stations, retail stores, local stores, restaurants, department stores, and so much more! (You can now also redeem eReceipts to earn points for online purchases, too!) 2. You Can Scan Up to 35 Receipts Per Week This is great if you make multiple grocery shopping trips in a week or you save your receipts and then scan them all in at once (you have up to 14 days to scan in your receipt from the day you went shopping). 3. You Earn Points On Every Receipt While they have various items you can purchase to earn bonus points, no matter what you bought, if you scan your receipt, you’ll get 25 points just for scanning your receipt! It adds up really quickly! 4. You Don’t Have to Mess With Scanning Bar Codes Unlike some of the other rebate apps, you don’t have to mess with finding the offers and checking the boxes for them or scanning the barcodes on the individual items. You just scan your receipt, they automatically add the points to your account, and you’re done! 5. You Earn Bonus Points for Referring People Fetch Rewards offers a great referral program and you can earn 4,000 points for every person you refer who signs up with your code and then scans a receipt. Spread the word about this great app and they’ll reward you for doing so! 6. You Don’t Have to Earn a Minimum Before Cashing Out There’s no need to wait until you’ve hit a $25 payout with Fetch Rewards! As soon as you have enough points, you can start trading them in for $3 and $5 gift cards! 7. There’s a Big Selection of Gift Cards to Choose From Choose from popular stores like Amazon, Panera, Target, Dunkin’ Donuts, Starbucks, TJMaxx, CVS, Kroger, Marshall’s, and tons more. How to Earn With The Fetch Rewards App You won’t earn a TON of money for scanning receipts, but every little bit adds up! And since it only takes a few seconds to scan my receipt, it’s so worth it! (Plus, you can use my link to sign up to get a bonus 2,000 points just for signing up!) Most people report earning more points in the beginning and then earning fewer points the longer they use the app. But hey, all points are free money in my book, so I’ll take them! This is a great way to stretch your grocery budget each month. Or it might be fun to set aside all of the money you’ve earned in a year and use it for Christmas gifts or one larger purchase. How to sign up for Fetch Rewards App (+ bonus 2,000 points!) Want to join me in this fun journey to earning free gift cards just for scanning your grocery receipts? Just sign up through this link on your mobile device and submit your first receipt to start earning right away! And use my referral link to get a bonus 2,000 points when you sign up! Fetch Rewards FAQs Can I redeem my fetch app points for cash? You currently can’t get cash back, but you can redeem your points for a Visa Prepaid card — which is basically just like cash! Do I need to enter my credit card info to use the Fetch Reward App? Nope! It won’t even ask for your credit card information. Are there certain stores that offer more points? Yes! While you will earn at least 25 points from EVERY receipt you submit, you can earn additional points on eligible receipts from grocery stores, supermarkets, wholesale club stores, hardware stores, pet stores, gas stations, and convenience stores when you buy participating items and complete special offers at those stores. Looking for other apps where you can earn money or gift cards for free? I recommend Ibotta, Upside, CoinOut, and Swagbucks. Have you tried this app? I’d love to hear your Fetch Rewards reviews in the comments! Want to EASILY earn $1,000+ this year from your PHONE?!  With this FREE Cheatsheet, you’ll learn about 11 apps that help you earn extra $$$ with very little effort!       Latest finds on Pinterest You’ve budgeted for groceries, utilities, and your mortgage -- but what about all those expenses that only pop up occasionally? Save this list of 45 things you might forget to budget for so you can plan ahead! This Chicken Broccoli Rice Casserole is a regular family favorite! It’s easy to throw together with leftover chicken or turkey and rice -- plus, you can prep it as a freezer meal for later. Here are some of my favorite no refined sugar chocolates, candy, snack bars, cookies, and sweet treats -- including options sweetened with dates, coconut sugar, monk fruit, and stevia. Save this list for the next time you’re craving something sweet! Safely Unsubscribe • Archives • Preferences • Contact • Subscribe • Privacy Email subscriptions powered by FeedBlitz® • 650 E. 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