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Financial Apps You Must Have When Trying To Pay Off Debt!

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There are a million different apps that you can download to your phone. I have a ton on my phone myself, but here are my favorite apps that have helped me along my Debt Free Journey!

Do you ever feel like you have a million apps on your phone but you are still searching for the best one? I have been working hard at pay off all of my debt and in the mean time, I have been compiling a list of my favorite tools. There are so many financial tools out there to use that it can be hard to know which tools to use and which ones overlap to do the same things! I have spent a ton of time looking and trying different apps for my phone to get cover all of my needs.

Here are a list of my favorite financial apps that have helped me on my debt free journey!


Get $10 welcome bonus when you sign up for Ibotta!

It is no secret that I love Ibotta. I have shared this multiple times on Instagram. Ibotta is a grocery rebate app. I am all about saving money on groceries. Instead of saving money up front like with coupons, it is a receipt scanning app. The app will pay you for scanning your receipt when you purchase certain items. I love Ibotta because there are a ton of different things on there. Alcohol, produce, meat, frozen foods, and household items can all be found with rebates. Checking it regularly can mean getting cash back on things that you are already getting! When you sign up for Ibotta, you will get a $10 welcome bonus when you redeem your first rebate! (Who can beat free $10!)


Acorns one is pretty new to me, but I have been checking it out lately and I am totally in love so far! It is an investing app for dummies. I have set up my debit cards to round up the purchase so money goes into my investing account when I make a purchase. Acorns also allows you to set up recurring payments. It takes all of the guess work out of what to invest in, because you can just choose your risk level. The app does the rest for you!

I have figured out that if I started investing $600 a month (which is $1000 less than what I am putting towards my debts right now), I could retire a millionaire. That $5 a week is not that much on an investing scheme of things. I am not investing that much until I am past baby step three, but $20 a month is a good start. I am in my early 20’s, so I don’t want to miss out on that compound interest!  Start investing with Acorns and get a $5 welcome bonus (AND, they will plant a tree for every person who signs up!)



Ebates is a great application to use on your computer and your phone! It is set up to give you cash back for almost all online shopping that you do! You can install the browser extension and it will pop up whenever you are on a website that offers cash back! I have earned $75 cash back without even trying! You can sign up for Ebates today and get a $10 welcome bonus when you spend your first $25 with them, or check out my full review of how I saved money using Ebates when I bought my new phone!


EveryDollar is the budgeting app that Dave Ramsey’s crew put out. I love the web based application more than the one on my phone. I personally don’t use EveryDollar because my income gets a little messy with the app, but I do still subscribe to their e-mails from my account because they send out month reminders of things to add to the budget! At the beginning of each month, Every Dollar sends you a reminder of things to budget for (like Girl Scout Cookies and Tax Preparation.)  For someone with pretty regular paychecks, Everydollar works GREAT!



Groupon is an app that finds you great discounts on tickets and adventures in your local area! They have entertainment, restaurants, and different goods on there as well!  Probably one of my favorite “fun” apps. I use Groupon all of the time! I have used it most recently for mini golf, wine tasting, and a riverboat adventure! Go check out Groupon and see what cool adventures you can go on in your area (or while you are on vacation) for a discount!

Credit Karma


Credit Karma has been a life saver when it comes to my credit. Because I plan on buying a house someday, I am still slightly obsessed with my credit score! Credit Karma updates every 7 days, so if your credit accounts are updating, you can see a weekly update of your credit score. Gone are the days of only knowing what your credit score is once or twice a year or when applying for credit


Swagbucks is sort of like Ebates with a ton of other additional features. There are a ton of cash back offers on different websites, but it also offers a ton of surveys! I have swagbucks as my search engine as well, so I get a few extra points for every day I use my search engine! Swagbucks also offers discounts and cash back on some gift card purchases! I purchase gift cards for different restaurants and get points that I can turn in for even more gift cards! Swagbucks offers gift cards for Amazon, Wal-mart, and Target as well as a ton of other different places! Sign up today to get started earning Swagbucks for surveys and shopping!

Wal-Mart Groceries

I LOVE my Wal-Mart Groceries app I have been using Wal-Mart groceries to order my groceries online and pick up for FREE. There is no extra fee to have them do your shopping for you! They have specific parking spots for pick up, so there is no searching for parking! I love being able to pick up my groceries when I am on the run! You can order them online or through the app on your phone! Order your first grocery pick up today and get $10 off your order of $50 or more! 


Okay, this one is probably my biggest weakness and tip. Starbucks app allows you to get 2 “stars” for every dollar that you spend from the app. Once you collect a certain amount of stars, you get a free drink! You can also order your drink ahead of time so you just walk in the store and get your drink and go. It works by uploading your gift cards to the app and then you pay through the gift cards. I am a coffee addict and I get a Starbucks every Saturday morning using free giftcards from credit card points, Ibotta, or Swagbuck. Saturdays are usually my 16 hour work days and it is also my “Friday.” Starbucks is my sweet treat for making it through the week!



These are just a handful of my absolute favorite financial apps that that have helped me make it through my debt free journey. I have been using most of these apps for the last year aside from Acorns. All of them have provided some financial help in some way for me! I hope that you found one useful app on this list and got started with it today!

If I missed your favorite app, please give me a shout out and tell me what it is so I can check it out! I might just not be using it yet!

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1 thought on “Financial Apps You Must Have When Trying To Pay Off Debt!

  1. I just discovered you and can’t wait to try out some of your ideas although I am an old dog. (53) But I have a 25 year old daughter who I will be for sure sharing this with tomorrow.

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