There are few things I love more than saving money, time and sanity. Luckily, there are services that help me do all that and more!

Ready for my less-than-secret stash of easy ways to save cash?

Checkout51: A picture of your grocery receipt in exchange for cash is the basic concept of this app. After I purchase items, I sift through selected items and see if their are matches. If there are, the item gets confirmed with a receipt photo.

It’s an easy way to make money on groceries which was a weird concept at first but no longer!

As a bonus, this app accepts gas station receipts too! Be sure to select the station before trying to upload it. I may (or may not….) have learned the hard way.

Ready to make money on groceries? The saving starts here.

Ratuken: I love this site even if I don’t know how to say it. It pays you for shopping online. I know, it’s hot fudge bananas! This site has a variety of cashback percentages they dole out including 40% for the ritzier brands.

There are thousands of online stores like Amazon, Walmart, Target, etc. The payout is higher for name brands but every little bit helps!

It’s free to sign up and you earn $10 when you spend $25. Crazy name aside, Rauken is at the top of my money saving bookmarks because of its easy slide into passive money.

Discover: I use this card a lot with the revolving 5% cashback rewards which means four times a year the categories change. January through March its grocery stores, April through June its gas, July through September its restaurants, and October through December its all things Amazon, Walmart, and Target.

It. Is. Amazing.

I cash out my rewards monthly and roll it into my savings account.

At the end of the year, I have this pile of money saved in a high interest savings account which is a great way for my money to make more money.

It’s my favorite kind of math…

It is a credit card, so use caution and set adulting skills to level high. Paying the balance in full every month is how I win the credit card game.

Using a credit card is how I protect my checking account like insurance for my financial wellbeing. If someone steals my credit card, I report a claim, the account is frozen, I get a new card, and life goes on while the bank untangles the mess.

If my checking account gets comprised because my debt card was stolen that takes a blowtorch to my finances. Now the account my paychecks are sent to are compromised along with mortgage, utilities, and financial life as I know it. I could be stuck with those fraudulent charges too!

All of that frustration, angst, and extra bathroom time is instantly relieved with using a credit card. So worth it!

Bonus Round: This card is annual fee free! Because annual charges are lame!

Discover also provides free FICO score updates and notifications if my social security is used. After being in a relationship with Discover for 13 magical-cashback years, it anchors my credit history which can change because I occasionally churn credit cards.

It has helped me to crush my FICO credit score and achieve level: Exceptional! Aww, your too kind, FICO.

I recommend Discover not only for the cashback rewards but it has helped me to achieve an 800 Fico score too!

Discover a $50 reward when you sign up and use your fancy new card within the first three months. So. Many. Wins.

Disclosure: This page contains affiliated links where I make a small commission at no cost to you. I have used these services for years and enjoy the passive income which beats the pants off working for income.