How To Save When You Spend

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One of the toughest parts of getting out of debt is finding extra ways to save when you’ve already cut your spending to the bare minimum.

It may seem like there’s no other option apart from exploring ways to earn more money, but there is something you can do.

You can save when you spend.

It may seem counterintuitive to think of spending when you’re looking for ways to save, but by optimizing your spending you can reduce the total outflows so you have more left over.

Use Coupons to Save More Money

Probably the most obvious way to save when you spend is to use coupons.

I’m not an expert couponer, but I do make sure to join the reward programs for the stores I shop, especially for groceries. Just by being a member you can get advertised discounts without clipping anything.

If you do a little extra research you may find even greater savings without much effort. My grocery store has a mobile app that allows me to quickly and easily load coupons straight to my card.

phone showing grocery store app

Add to this the targeted coupons they mail to my house and my bill always drops by a good chunk after the cashier hits the total button.

Save Money By Shopping During Sales

In addition to using coupons, don’t forget to check for sales.

The app Flipp puts all your local store fliers right on your phone so you can quickly see which stores are having sales and on what.

Screenshot of the Flipp App

It’s a great tool for researching local deals.

Not only can you scan through to see what’s on sale but you can also search the items already on your list to find a store that’s got it on sale.

Need some bacon?

Pull up Flipp, do a quick search for bacon and see which stores are having a sale nearby. Awesome!

Use Discount Gift Cards To Save Everywhere You Shop

Image of homepage

Another great way to save when you need to spend is to use discounted gift cards.

When you know you’re going to be shopping at a particular store, stock up on discounted gift cards ahead of time to have a built-in discount.

There are a few ways you can find discounted gift cards.

First, check membership clubs like Costco and Sam’s Club. They usually have some good discounts, but the selection may vary throughout the year.

Second, check your grocery store’s app for any discounts or other benefits (like fuel points) they might offer with a gift card purchase. My Fry’s app always seems to have deals on their gift cards, but the selections aren’t always what we need.

Third, if you have a Target Red Card you can get the 5% discount on gift cards purchases. While 5% isn’t as great as what you may get at other stores, at least with Target your selection is pretty wide.

Fourth, PayPal often runs sales on their gift cards purchased through their eBay store. You can get great deals this way. Sometimes as high as 25% off.

Finally, you can use sites like and to buy directly. There are lots of discount gift card websites, but those are the two I’ve used. If you chose another, just make sure you check their policies and guarantees to make sure you don’t get ripped off.

Use Cashback/Reward Credit Cards to Earn Money When You Spend

It may not feel like saving in the traditional sense, but using credit cards with reward points can add up to future savings, especially with cash back cards.

Citi double cash back credit card image

Our Citi Double Cashback card provides 2% cashback on every purchase. Discover offers 5% in certain categories that change quarterly and our Amex Blue gives 5% on groceries and 3% on gas.

You’re basically earning money when you spend on cashback cards.

I usually cash out my points for statement credit but some cards offer the option to redeem points for gift cards.

You can often get extra discounts by shopping through the credit card’s shopping portal.

Also, check your account homepage for cashback offers with purchase (for example, $5 off a $20 purchase at select vendors). My Amex cards display offers this way so if you have an American Express card it might be worth logging in to check.

Ways to Save Money When You Shop Online

Buying online offers even more opportunity to save when you spend.

Not only can you combine all of the methods above, but you can also use rebate sites, browser extensions, and price trackers to lower costs even more.

Use Rebate Sites To Get Cash Back

Ebates website homepage

Rebate sites are a great way to save effortlessly when shopping online.

There are several programs you can use such as Ebates, TopCashback, and Swagbucks.

The amount of shopping and how much you’re spending (as well as how you’d like to receive your savings) will determine which service you want to use and whether it’s worth your time to sign up for multiple ones.

Ebates is the one I use the most for simplicity sake (plus I like their browser extension better), but TopCashback usually offers better rebate rates.

You can use this Chrome browser extension if you want to see how different rebate sites compare while you’re shopping.

Each rebate site should also have their own browser extension to help you remember to “click through” their site to get your rewards.

Install Browser Extensions to Find Coupon Codes

Speaking of browser extensions, apart from using them for rebate sites, you can use them to automatically find and apply coupon codes.

I used to look for coupon codes by searching Google “store name + coupon code” and then painstakingly try each code out to see if any worked (frustratingly, most didn’t).

But now there are extensions that do the work for you with a simple click of a button.

Honey extension

I’ve been using both the Honey extension and the Piggy extension to try to find deals.

Both have libraries of discount codes they test and apply to your cart to get you the best deal all with a click of a button.

Make Sure You’re Getting the Best Deal With Price Trackers

keepa screenshot

Another great tool if you’re shopping for something specific is to use a price tracker.

Sites like CamelCamelCamel and Keepa have years worth of pricing data for Amazon products.

You can search for your desired product and see how the price has changed over time. With a little analysis of their charts, you can get an idea of when the item tends to go on sale and evaluate if the discount is worth the wait.

To ensure you don’t wait in vain, these sites offer pricing alerts that can email or message you when the item you’re tracking has dropped to your target price.

While these sites are specific to Amazon pricing, many times the price changes coincide with other large stores’ discounts or might be useful in price matching if you prefer to buy in a store.

Use Apps to Help You Save Money After You’ve Spent It

One final tip is to use apps to easily save money even after you’ve spent it.

Earny cash back alert showing I'm getting a $7 refund.

Earny – Automated Price Protection

Earny is a service that monitors your email for purchase receipts and tracks the prices looking for future drops.

When they discover price drops they’ll automatically appeal to the vendor or your credit card for a refund of the difference.

I love getting these emails from Earny letting me know I’ve got a refund coming my way.

Just know they do charge a 25% fee for their service. So while I may get $7 back to my credit card in this example, Earny will end up charging me $1.75 for the convenience.

Qapital – Automated Savings

Qapital - money saving app

Another great app to save you some money when you spend is Qapital.

Unlike the other savings tactics above, Qapital’s approach is more about helping you save the money you already have. It does this with different savings goals and challenges, but the one I like best is the Round-up Rule.

With the Round-up Rule you can have Qapital round up your purchases and save the difference. So if you spend $9.95, it will be rounded up to $10 and Qapital will deposit the extra 5 cents into your savings account.

It may not sound like much, but this can be a great way to start saving money when you don’t feel like you have any extra money to save. By rounding up your purchases you save a few cents here and there that you probably won’t even notice, but that can add up after a while.

I saved almost $50 during my Keep the Change Monthly Money Challenge by using Qapital to round up my purchases.

Time to Save Some Money!

Cutting your spending is probably the easiest way to save money, but when you have to spend, you might as well spend as little as possible.

Hopefully some of the methods and apps above will help you save more and reach your financial goals faster.

Let me know if you know of other ways to save when you spend!

Want to remember this? Save How to Save When You Spend to your favorite Pinterest board!

Close-up of one hand holding a credit card while the other types on a laptop.
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