I Recommend

 These recommendations contain affiliate links…BUT they are some of my favorites. See disclosure policy here.




Credit Sesame

Stay on top of your credit with this free tool, Credit Sesame!  You can get your credit score for free, obtain your credit report, and more!  If you’re in the process of building credit for future purchases such as a home or vehicle using financing, you need this! Read How To Build a Good Credit Score+Credit Sesame Review. Click here to sign up through my referral link and get your credit score for free.


sign up with ibotta for a free $10 bonusIbotta

Ibotta is my go-to app when I’m shopping in-store. You can receive cash back (sort of like a digital coupon) on items you buy in-store. I’m talking about cash back on things like produce, bread, milk, eggs, frozen goods, snacks, household items and more.  If you don’t have time to clip coupons, make sure you check this app after you go grocery shopping. Simply redeem by scanning your receipt to verify purchases. Plus you get a $10.00 BONUS just for signing up and redeeming your first rebate. Click here to sign up for Ibotta and receive your $10.00 bonus.



If you shop online, you will save some serious money with Ebates! With the use of apps, toolbars, and coupon search feature – you have multiple ways to save money. As of writing this, within the past month, I’ve saved over $70.00 by shopping online. Ebates conveniently sends checks or deposits your savings in your PayPal account. Read Shop Online Using Ebates and Get Free Cash BackClick here to sign up through my referral link and get a $10 bonus.


mypoints MyPoints

I’ve been a fan of MyPoints for years!  Not only can you use their website to shop at your favorite websites and earn points towards gift cards, you can also take surveys too! I’ve earned quite a few gift cards from them and used them to make my savings go further while playing the drugstore game. I highly recommend you checking them out and make sure you install the toolbar. Each time you are on a website where you can earn points through MyPoints, the toolbar will let you know. Click here to sign up for MyPoints and get a $10.00 gift card with any qualifying purchase!


capital one 360Capital One 360

Don’t sleep on online banking. Not only are the fees ridiculously low (and in this case non-existent), but the interest rates are awesome! The convenience of online transfers makes it easy to access your money in case you need it and inconvenient enough (at the same time…yes convenient and inconvenient) that you won’t squabble away your saved cash on things you really don’t need. I use my Capital One 360 savings accounts for our emergency fund, car maintenance fund, gift funds, and more. Click here to sign up and receive $25 cash back if you make a deposit of $250!


personal capitalPersonal Capital

I use this free tool to track my spending. What’s so special about it? You can link up all of your accounts (credit, bank, retirement, student loans, etc) and it will tell you your net worth!  It tells me each expense category I may be overspending in, how I can improve on savings, and you can also use it as an investment tool. Once you link up everything you will see all of your finances displayed as shown below. Cool, huh? Click here to sign up for Personal Capital and track your spending for free!


policy geniusPolicy Genius

Just in case you missed the memo, everyone needs some life insurance. If you have some through work, it’s probably not enough and you’re exposing you and your loved ones to a great risk. Don’t put life insurance on the bottom of your to-do list. Read Life Insurance: You Need Some, Here’s Why.  Click here to use Policy Genius for free and find some great low rates on life insurance for free!


LendEdu Student Loan RefinancingLendEdu

If you have student loans, you might be contemplating student loan refinancing to lower your interest rate. Or heck, lower that monstrous payment. If so, LendEdu has you covered. You can use this free site to answer a quick survey to compare interest rates with 12 different lenders. Read Should You Consider Refinancing Your Student Loans?  If you want to save thousands of dollars on your student loans, take this quick questionnaire to see if it will work out for you!

American Consumer Opinion Panel Survey WebsiteAmerican Consumer Opinion

I got my feet wet in making money online by taking surveys. I used to go survey cray (Can you believe my 6-year-old has me saying cray? Officially old.) If you’re not ready to go into deep hustle mode, you can easily make enough money for household toiletries and kids birthday gifts. Just about all of my daughter’s gifts for her 1st birthday were funded using survey funds. Dead serious. Easiest money you can make, especially if you’re always on the internet like me. Click here to sign up with American Consumer Opinion and make some change.


Harris Poll Online SurveyHarris Poll Online

With Harris Poll Online, you’ll earn points for each survey you complete. Don’t qualify for the survey? You’ll still receive a few points for any survey you’re directed to but didn’t qualify to take. You can also earn entries into sweepstakes for cash. Once you reach a certain redemption level, you can redeem for certain rewards. Click here to sign up with Harris Poll Online and earn some dolla bills.


pinecone researchPinecone Research

If you read my online income reports, you’ll notice that I consistently make money using Pinecone Research every month. When you need a little more than you usually make, you can always crank up the number of survey requests you receive in the dashboard. I used to do around once a month and then I told them I would prefer to do a few a month. It’s easy cash. Click here to sign up with Pinecone Research and earn $3.00 (300 points) per survey. They’ll even deposit via Paypal.



This is one of the easiest ways I earn gift cards online. Why? Well, because it’s practically passive. I get Swagbucks for searching the internet, looking at videos, referring friends and more. I save them up and cash them out for Amazon gift cards. If you’re constantly ordering something from Amazon, Swagbucks is the easiest way to not have to come out of pocket. Click here to sign up for Swagbucks here and get some swag.


Sell gift cards at Card PoolCardpool

Did Aunt Cheryl get you a gift card for a store you wouldn’t step foot in? Well, don’t fret! There’s an easy way to remedy this and that’s by heading over to Cardpool and selling it for up to 92% cash back. If you don’t have any to sell, you can also buy gift cards for up to 35% off. This is an awesome way to score cheap Christmas or birthday gifts. Click here to sell your gift cards or purchase cheap gift cards.




start a blog with bluehostBluehost

I use Bluehost to host this blog and I have Z-E-R-O complaints. If you are serious about blogging, want to bring in extra income, or launch a freelance career like me – you need to be self-hosted. Being on your own self-hosted blog is safe because no one can shut you down. It’s professional because people know you mean business and it’s affordable. If you’re interested in starting your own blog, check out my in-depth guide on starting a blog, complete with tutorials and extra info.


Try Bigstock Stock Photos FREE for 14 days!

Big Stock

I use Bigstock photography for many of my pictures. They have a huge selection and they are reasonably priced. Fortunately, I have the hook-up for you if you’re a new blogger starting on a budget. You can try Bigstock FREE for 14 days using this link.


Start freelancing and learn with Write to 1kWrite To 1k

Are you interested in freelance writing? If so, I have the course for you that will help you increase your income. You will learn how to find clients, how to present yourself, and more. Elna’s comprehensive course outlines her experiences and teaches students from first-hand knowledge. She is one of the best B2B content marketers out there so if you want to learn how to earn more money with your writing skills, you want to learn from her. Check out Write to 1k for more info.


tailwind for bloggers and business ownersTailwind

Tailwind is what I use to bring the people to LAAB. Since using it, my traffic continues to double month over month. No lies! I love Tailwind because it’s super easy to use and schedule my pins to Pinterest. If you’re a blogger and you want to spend less time pinning and more time writing, this is a tool you should check out. While you’re at it, I’ve created a super in depth post on how I use Tailwind and Boardbooster as part of my Pinterest marketing strategy.


pinterest presencePinterest Presence 

While we’re on the subject of Pinterest, I’ve got to share this course with you. I purchased this course before summer (June 2016) and by August I increased my Pinterest following by over 2,000 followers. I’ve also increased my traffic considerably which I outline in my post Tailwind vs Boardbooster: Why You Need Both. Kristin’s course provides you with an exclusive look at her Pinterest strategy that has allowed her to begin blogging full-time. If you want to maximize your presence on Pinterest, you should check out this course for more info!


Making Sense of Affiliate MarketingLearn how to earn more with affiliate marketing by taking Making Sense of Affiliate Marketing

One of the best decisions I’ve made since blogging is signing up for this course and you can read all about my love of this course in this review here!  I made my money back that I spent on this course after the second month through affiliate income here at Life and a Budget. Michelle is a blogger who earns over $100k in affiliate income on her blog. If there is anyone you want to learn from on how to market without being a total sleaze ball, it’s her!  I highly recommend checking out more info about the course here!



Convertkit is the platform I use to send emails to all of my lovely email subscribers. I was initially with Mailchimp; however, I found that it was difficult to segment my list based on my reader’s interests. So, I joined Convertkit and I’ve been using them a while. I’m thoroughly impressed at all of the things I can do like create automated sequences, tag readers based on links clicked in email, etc. I started with the cheapest plan of $29 and this amount will gradually change as my list grows. It works well with ThriveLeads and AppSumo and is well worth the investment. Check out more information about Convertkit here.

Strategies Worth Sharing: How I Grew My Facebook Page from 2,000 to 100,000 in Five Months

This is one of the cheapest and most comprehensive e-books you’re going to find on how to grow your Facebook page for your site. It has a lot of meat in it!  Brittany has three packages available. You can purchase just the e-book or you can purchase the e-book and workbook. The biggest package comes with both workbook and e-book, video training, checklists, and other bonuses. Plus, you’ll get free lifetime updates to the strategies in the e-book. I can’t recommend this one enough! It’s a great value. Learn more about Strategies Worth Sharing here.

17  Strategies I Used To Increase Page Views From 17k to 350k in 9 months17-strategies-used-to-increase-page-views

I used this book and I recommend checking out some of the strategies that Lena Gott incorporated to go from 17,000 page views to over 300,000 page views.  It’s a good e-book for a beginner blogger or if you’ve been blogging a while and just seemed to be stumped.  And it’s an affordable starting point if you don’t have a lot of money to invest in other knowledgeable resources. Check out more information and get your copy here.


If you want to change your personal finances, you have to know a little something about it. I’ve curated a few post, books, and such that I think will be helpful. Oh yeah, I also created a resource guide to help with financial literacy education for the babies. All the goodies are below.

Books You Should Read:

The Wealth Cure: Putting Money in it’s Place

Raising Financially Confident Kids

Hustle Away Debt

You’re Broke Because You Want to Be

You Only Live Once

Your Money Your Life

Dear Debt: A Story About Breaking Up With Debt


Here are more than 20 websites and resources that will help you save more, earn more, and manage your money better. Check it out and get started today!


Check back often. I’ll continuously update this page when I find more that can help you!

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