Posted in Motivation Monday

How I’m Streamlining My Life in 2020

The last few years, I’ve been struggling a little bit. Getting our girls was a bit unexpected, and to be honest, in the beginning I thought I had it all figured out already.

I didn’t.

It took me a long time to even admit that I was drowning in the current situation. I was falling so far behind with everything I wanted out of life. I’d quit college (for the second time), I stopped working for clients, I even abandoned my old blog because it seemed silly to write about writing when there was a small child who depended on me for almost everything.

(No, that’s not a shot at most mommy bloggers — I genuinely didn’t think I had the time in my day to manage both.)

However, this year, I’ve decided to do things a little bit differently. I acknowledge that some of the things I gave up were due to First Time Parent Syndrome — quite simply, I was overprotective and overinvested because I’d never been in this situation before and was just so convinced I was already screwing it up.

If that sounds like you, don’t worry — you’re not screwing it all up. We’re all doing the best we can with the information we have.

“Do the best you can until you know better. Then when you know better, do better.”

–Maya Angelou

If you’re looking to dig yourself out of that rut, too (and you think there’s any chance I may have done it the right way!), keep reading — I’ll share with you how I’m getting back on track to my best life in 2020.

I’m streamlining my planner system.

As a planner addict not in recovery, it’s hard for me to admit when I’m leaning on my planning system too hard. In fact, most of the times I’m feeling overwhelmed, I tend to lean into the planning because it helps me to make sense of the mess. This year, I’m taking a different approach.

I’m not micro-managing Google Calendar anymore.

There was a time (not very long ago, in fact) that my Google Calendar would be filled to the brim with my ideal schedule. I thought that, by filling in what I wanted my days to look like, I’d be pressured into making them actually look like what I had mapped out.

Spoiler alert: This just left me feeling overwhelmed and behind. All. The. Time. Clinging to my vision of what a perfect day, a perfect week, or a perfect month “really looked like” was damaging the way that I viewed what my days, weeks, and months actually looked like. I couldn’t see how well I was doing because I was too hung up on the things I was missing.

Now that I’m not using Google Calendar for a catch-all for everything in my life, I can look at it and just see what I need to do at any point in time. And you know what? That’s a little less work than it felt like before, now that I don’t have so many optional tasks and incidentals cluttering up the view. But, I still have Google Calendar there to catch the things I might otherwise forget to move to my planner. And having a specified “Google Calendar date” day means I’m not forgetting to move anything, either.

I’m building systems instead of individual plans.

I’m a creature of habit, and while the idea of doing something new and different every day sounds exciting, it doesn’t actually work for me. I run way better on routines. I was throwing myself off every single day trying to work a fresh plan out so it worked… then I’d be back at square one the next morning trying to make that plan work, too. This was so draining!

This year, I’m simplifying my life by creating systems. Since my brain and body work better on a routine, I’m breaking my weekly goals down into a few smaller systems, organized by my color codes. Baby Dragon’s activity calendar gets broken down according to what makes the most sense for us that day. “Walk and talk” activities are moved to days when we’re already walking to and from school, “family game night” activities are moved to days when we’re all having dinner together anyway, and so on.

Another system I’m using is the blog system. Since my wife has the same work days every week (and I try not to spend too much “work time” on her days off), it’s easy for me to plan ahead which days I’ll be working on active parts of the blog process, and which days I should do some back-end stuff. It’s not a perfect system; there have been a couple pretty big snags already. But what’s important is that there’s a framework in place that I can compare to, and it makes it easier to fit other things into the system.

Schedule, Tasks, and Reminders.

This year, I’ve decided that these are the only three categories that really matter, and these are the three categories I separate my plans into.

“Schedule” items are things that are time-specific. For example, my wife’s work days, my participation days at the preschool, and of course the much-loved Show and Tell days are all penned into the schedule section (and backed up in my Google Calendar).

“Task” items are things that need action, although not necessarily my own action. I write down my four-year-old’s “family activities” (the school’s fancy way of giving homework without calling it homework) and the chores we have to do around the house. I write down the bills I have to pay manually and the errands I need to run. In general, these things can be migrated to another day if they need to, but sometimes that’s only possible because I plan to do them ahead of time (and sometimes the plans fall through).

Lastly, “Reminder” items are things that are going to happen whether I do anything about them or not. This is where I hold information about incoming packages, auto-pay bills, birthdays, holidays… The things that continue all on their own. These things don’t necessarily need to be handled, but they keep me up-to-date on the things that otherwise might get lost among the other two categories.

Keeping everything separated makes my anxious mind just a little bit more restful, and it helps me to remember what’s really important. At a glance, I can look and see what’s expected of me, and all that’s kept on my Google Calendar is the stuff that’s non-negotiable.

Make it cute!

For those of us who are functional planners (or non-planners), the idea of making something cute so that we use it more doesn’t necessarily come easy to us. However, it makes a lot of sense if you think about it. Would you rather look at a plain, boring spreadsheet, or a fancy infographic? Most people would pick the second. (I happen to fall somewhere in between, but that’s another story for another day.)

What do I mean by make it cute? Simply, stickers (and emojis, for the digital things) can go a long way toward not only making sure you love your planning system, but can also make it easier to see things at a glance. You don’t (necessarily) have to read an emoji or sticker… You can just look at it and tell what it’s trying to communicate. Slap those emojis and stickers into your planning system strategically and let them do their thing.

(I’ll have an entire post about emoji-coding coming up soon; don’t forget to keep an eye out for it!)

I’m streamlining my budget.

I emoji-code my banking app, too.

As a matter of fact, emoji-coding the banking app came before emoji-coding my Google Calendar. Since I’m often budgeting on-the-go in between other tasks and schedule items, I need to be able to see my plans as efficiently as possible. Assigning specific emojis to specific bills helps with this.

For example, cash back budgets get the 🏧 emoji, my car insurance and registration get the 🚘 emoji, anything on auto-pay gets the 🔁 emoji, and anything that requires extra action on my part gets the ⚠️ emoji. Whether I’m assigning charges that have already come through or planning for the next paycheck, these emojis help me see at a glance what I need to know about each budget item. I still use text labels, too, for further clarification, but most of the time the emojis are what I plan from.

(Soon I’ll have an entire post dedicated to how I emoji-code my budget and calendar apps — keep an eye out for that post if this idea intrigues you!)

Auto-pay is not the enemy.

I cannot tell you how many times I’ve tried to streamline my life and screwed myself over with auto-pay. Since I’m just a tad bit obsessive (and simultaneously forgetful), I’ve been known to manually pay bills that were already set to auto-pay… Which, without proper planning, can easily overdraw an account. Thankfully our bank doesn’t actually overdraw, it simply borrows from another budget, but I have frantically moved money around so that my numbers balance out.

However, since I assigned a specific emoji to auto-pay bills, the likelihood of double-paying has gone down significantly. The truth is, for the large majority of people, auto-pay is a lifesaver. Now that I have an effective way to differentiate bills that actually don’t need any attention from me, it feels like I’ve got a virtual assistant handling the mundane. (I’ve had a virtual assistant who didn’t handle the mundane as well as my system does.) This frees up time and energy to focus on the things I can’t automate.

There’s never too much cushion.

One of the things that has helped the most with the budget is being able to cushion things. I understand that not everyone can afford the luxury of a fully-padded budget; I know we sure can’t. But even just rounding up to the next dollar can have a tremendous impact on your financial situation. The only “scrambling for change” I do now is moving around the cushions from one budget to another. I try to pad the budgets a little more whenever I can, but I know that even if I don’t, I’m covered.

Let’s say, for example, my credit card minimum payments are $25/month. Obviously paying just the minimum is no way to get out of debt, so I budget $25 for each credit card out of each paycheck. On the checks we have more money to work with, I can even bump that up to $50/check, but I know that I’ll never dip under the $25. When I’m balancing out the budget at the end of the pay period, I can choose to use that cushion to pay on the credit cards, or I can move it to another budget that needs it just a little more. Either way, it’s like finding extra money laying around — exactly where I put it.

Bonus tip: Switch to Simple for your online banking.

I wish I could take all the credit for refining my budget system, but alas, sometimes it really is in the tools themselves. We’ve used Simple as our primary bank for almost three years now, and the tools to get through our financial crises were sitting there the whole time — I just had to learn how to use them. Your banking app might even offer similar features; it’s worth looking into.

If you’re on the lookout for a new bank yourself, I cannot recommend Simple enough. The app uses the time-honored principle of “envelope budgeting” with a unique edge. I can partition my wife’s paychecks (and my infrequent income) into as many separate budgets as I need. Whatever’s leftover goes into “Safe to Spend,” a catch-all budget; this is the only amount you can see without manually opening your Goals and Expenses tabs.

Best of all, in the three years we’ve been using Simple, we have never been charged a single fee (aside from the odd withdrawal fee when my wife refuses to use the Free ATM finder). We even have a high-yield savings account that pays out interest every month based on the end-of-day balance. As long as I keep funneling money into our savings goals, the savings will keep paying me, too. 🙂

I’m streamlining my dinner plans.

In 2020, I’m over obsessively planning intricate meals. The reality is that meal-planning is supposed to make your life simpler, and I was doing it all wrong. These days, I’m doing practically no grocery shopping anymore, which makes my anxiety a lot easier to manage, and also frees up some extra time for things. Still, I have a homemade dinner on the table six nights a week. How do I do it?

Meal kit delivery.

This is the age of delivery — nearly anything you want can be ordered ahead of time and shipped to your door for a small fee. Dinner is no exception. I’m not totally new to the idea of the meal kit; the one we subscribe to now is not the first one we’ve ever subscribed to, but there are a few reasons Every Plate is my new favorite.

  1. Affordable: Every Plate costs about half the price of meal kits from their parent company, HelloFresh. I loved HelloFresh, but couldn’t afford to continue after my promo pricing because I would have been paying about $70/week just to feed my wife and I two days a week. Now, I feed all four of us, three days a week, with the same budget.
  2. Tasty: I don’t think there’s been a single meal yet that we haven’t wanted to make again sometime. Baby Dragon gets a kick out of announcing which ones should definitely go in our recipe book (I haven’t had the heart to tell her we’re not doing that anymore!), and I get a kick out of taking credit for awesome, creative meals.
  3. Simple: Every Plate sends me an e-mail when it’s time to pick my meals for the next week, and the meal-picker is incredibly intuitive. Even the kids can get involved in it, since there is a big picture of each dinner (and they know I’ll be leaving out any onions, jalapenos, and mushrooms pictured). When it comes time to make the meals, there are six steps — that’s it. They know that their main customers are busy families, and they run accordingly.
  4. Filling: To be fair, we have a box meant for four adults, and two of our family are children (one of whom hasn’t been spending much time at home lately). But we almost always have a small portion of leftovers because the meals are meant to fill a family’s hungry bellies.
  5. Not excessively healthy: I try to be a reasonably healthy cook, but let’s be real — kids complicate that. My Every Plate meals aren’t meant to be my kids’ healthy solution. They’re meant to make my life easier. I know that these meals are going to skimp on vegetables a little bit, so I just stock up on extra veggies with my grocery box. I feel better because I don’t have to fight with the kids, and they feel better because they’re still getting a balanced diet. We just don’t make every single meal a perfect balance anymore.

(Please note that if you have specific dietary needs, Every Plate is not able to manage those and you must personally decide which meals work with your family’s needs. Our “needs” are no artificial colors, low salt, and no “problematic” ingredients — all of which are easy to manage. I’ll be writing up a full review of Every Plate soon, so if you’re waiting for more information before pulling the trigger, rest assured — it’s coming soon.)

Grocery delivery.

Since I’m way too much of a control freak to let someone else pick all of our dinners (and also Every Plate doesn’t offer a four-person, seven-meal dinner box), we also get actual groceries delivered, too. But, since I’m also a little extra, they’re ugly groceries.

(Ugly produce from Imperfect Foods, that is.)

While I’m not totally in love with Imperfect Foods, I do like that it’s semi-automated. That is, I can choose on a week-by-week basis whether I customize my box or not. I do, of course, because of aforementioned control-freak-iness, but it’s nice knowing that I could skip it if things get too hectic. I’ve already told them that there are 4 of us and we want a little bit of everything. We’ve got a loose budget defined within the site, and I can buy more (or less) as necessary to fit it into the actual budget.

I will be writing a full review on Imperfect Foods once we’ve received a little more boxes, so if you’re holding out for more information, I promise, it’ll be here soon!

Plan it (a few days) ahead of time!

It seems so simple, yet it’s something I used to stress myself out over. The old way had me planning for two weeks at a time, without regard to which of the children would be with us at any particular time. If they were dropped off unannounced right at dinner time, I’d have to scramble to make things work.

However… The new system fixes this problem. I plan out my Every Plate dinners when I confirm the next week’s Every Plate box. I plan out my Imperfect dinners when I confirm that week’s Imperfect Produce box. I’m never planned more than a week out, and no one ever goes to bed hungry anymore.*

By planning just a few days at a time, I leave myself room to move things around a little bit without succumbing to analysis-paralysis. I know my Wednesday Every Plate box needs to make 3 meals, and my Friday Imperfect Produce box needs to make three meals. Our seventh day is full of whichever leftovers we have, or — if we don’t have any — a nice fun family meal that we can afford now because the budget is managed.

*Just for my own sanity and clarity, I’d like to make it known that we have never starved, even before this new system was in place, but there were some nights when we had to skimp on dinner and fill up on fruit and dessert after… I’m glad to say that fruits and desserts have both fallen back to their old “bonus” positions and are no longer a way to make ends meet.

Everything is connected.

Although these areas might seem separate, the truth is, they all factor in together. By making room in the budget, I’ve got the extra money to splurge on meal kits. These meal kits make planning dinner easier, which makes me more likely to prep in advance… which leaves more room in my schedule for the things we want to do (which we can afford to do because of a well-managed budget). It’s all connected, and each thing makes the others easier.

Of course, there’s still a lot of time left in 2020, and I’m sure it won’t be smooth sailing the whole way… But having a solid system for streamlining will definitely help avoid any drastic pitfalls.

What tricks and systems are you putting in place to manage your year easier? Let me know in the comments!

Posted in Type A Tuesday

How to Redefine Your Planning System in 2020

Anyone who has met me in real life (and many people who have only met me in the virtual world) knows that I’m a planner person. At any given time, I probably have at least one planner in my bag, and that’s not counting journals and apps. Without a solid system in place, I melt into a puddle of anxiety and literally can’t accomplish anything.

I’ve heard so many people tell me, “Planners just don’t work for me. I already know everything I need to do — why do I need to write it down, too?” And, while I can appreciate that some people really don’t need to write down their daily agenda, the fact is that most people do have it written down… Just maybe not the same way that I do. (And that’s OK!)

The truth is… There are many different ways to plan, and if yours is working for you, that’s wonderful. But, if it’s not, I’ve got a few tips for how you can redefine your system and get it working for you instead of against you.

What do you rely on most?

Although we planner nerds have a habit of making “fresh starts” whenever the mood strikes us, the best “fresh start” will utilize some of the same tools we’ve used before, perhaps refined to be even more helpful.

Think of your 2019 system, and what works for you. Chances are there is something about your current system that calls to you… That’s why you started using it in the first place! Step one of redefining your system is figuring out which parts of your current system are non-negotiable.

For me, that means weekly spreads. While I use monthly and daily pages, too, I can do without them if I’ve got a good weekly page. I used to insist on vertical weekly pages, but recently I discovered the Day Designer layout. This particular layout incorporates two sections per day: One for your schedule and one for your to-do list. This is perfect for me because, while my schedule may be set weeks (or months) ahead of time, my day-to-day tasks often aren’t planned until the night before.

What did you think you needed, but never actually used?

So many planners these days try to cram in as many features as they possibly can. To the novice planner, this seems amazing — with so many groundbreaking goal-setting activities, how can you not be successful using it?

The reality isn’t so cut-and-dry, though. Planners that are overloaded with features tend to sit unused on a shelf because they’re overwhelming. Too many to-dos on the page doesn’t magically create a life of balance. It just ends up feeling like more work, and when some of those features aren’t even being used, it can cause even more anxiety. (The truest planner nerds among us tend to dwell on unfinished tasks, and a page full of them before you’ve even written your schedule in can be intimidating.)

For me, the feature I often gravitate toward (but rarely actually use) is the habit tracker. When I first got back into planning, I obsessively made long, detailed, gorgeous habit trackers. However, about halfway through the month, I’d get overwhelmed by how many boxes I’d missed, and I’d end up scrapping the whole thing. (Counterproductive, I know.) The simple, yet elusive solution? Stop trying to do habit trackers. They work well for some people, but I am not one of those people. So, my planner for 2020 doesn’t have one.

What’s your budget (time and money)?

In the past ten years or so, the options for an organization-savvy planner person have absolutely exploded. No matter how much time or money you have, there are options at every price point and every level of customization. Bigger planner companies are partnering with cheaper companies like Blue Sky and making budget-conscious planners that have many of the same features as the more expensive brands.

If you’ve got a ton of money but not a lot of time, pre-printed planners might be your best bet. An hourly layout makes it easy to mark down exactly when you’re busy and when you’re free, while monthly calendars make it easy to plan recurring events and bills. Likewise, digital planners can make the best use of your time by automatically syncing across your devices and your computer, so even if you forget your printed planner at home, you’ve still got access to everything.

If you’ve got a lot more time than you have money, DIY planners can be a lot of fun while also making the best use of your limited funds. Digital planning systems, such as Google Calendar and Any.Do, are free and offer a reasonable amount of customization. Bullet journals can be made for cheap, especially if you buy a good notebook on clearance, and by far offers the greatest level of flexibility — as long as you’ve got the time to set it up.

I’m lucky enough that, while our budget isn’t huge, my wife knows how important it is for me to be on top of our schedule, and for me that’s easiest on paper. I do backup planning digitally because it makes it easier for my wife to check in on the schedule, but she knows there’s always a paper copy tucked away in my purse.

What does your schedule actually look like?

Everyone has their own routine, and for a long time, ready-made planners didn’t necessarily reflect that. If your week started on a Monday, but you live in a Sunday-start country, your chances of getting a planner that started on Monday were pretty slim. Now, most planners offer you the option of starting on Sunday or starting on Monday. I used to prefer a Sunday-start because it gave me the chance to set up my week (that actually started on Monday) at the start of my week. However, these days I prefer a Monday-start. My week still starts on Monday and I still plan on Sunday night, but with a Monday-start planner, I don’t start my week feeling like I’m already behind.

Planners have more than one “start point,” though, and it’s worth factoring in how often your year resets, too. If you’re using your planner mostly for school or college, an academic-year planner might be best; these usually run from August through July, rather than January through December. If you know you’re only going to use your planner sporadically (or if you “year” is liable to reset more often than once a year), an undated or refillable planner might make the most sense. Whichever “year” style you choose, rest assured: You’re allowed to change it if something else suits you more.

(Also, getting a planner that’s already past most of its “year” may be the most cost-effective solution for testing a new planner. Many companies offer deep discounts once the planner is at least partially obsolete. This means academic planners will be cheapest when the January planners drop, and January planners will be cheapest when academic planners are just about to drop. Undated planners don’t usually have any rhyme or reason for when they go on clearance, so if that’s your preferred style, just buy it when the mood strikes you. 😉 )

How well do you know your goals?

I touched on this a little before: planners these days come with a ton of goal-setting activities. For those who don’t know how to define their goals well, this can be a lifesaver. However, if you’re already “grandfathered in” to a particular goal-setting method, changing your method just so it matches a new planner can be inefficient. Keep this in mind while you’re browsing through the different goal-setting methods.

Some planner companies will even let you try out their goal-setting pages for free before you splurge on their planner — try checking their website for a page that says “downloads” or “printables.” These are cost-effective for the planner company because they don’t have to spend any of their own money to create them; the pages are already made for the paid-planner, and the user pays to print them at home. This is also cost-effective for the customer because you don’t end up buying a ton of planners you don’t need just so you can check out the “extras.” It’s a win-win!

Where will your planner “live”?

One aspect that’s often overlooked is the “home base” for your planner. Some people use their planners mostly at their desk, while others use them mostly on the go. Your planner’s “home base” will tell you a lot about what you need from your planner. Spiral binding can make it easy to keep your planner open to the page you need, while a sewn binding and elastic closure makes it easier to keep your planner closed when not in use. A soft cover might make your planner lighter if you plan to carry it everywhere, but a hard cover will make it easier for you to write without a hard surface. No two people have exactly the same needs out of their planner, so it’s up to you to decide what works best for you.

My planner “lives” in my purse, but gets taken out almost everywhere. I personally have no preference between hardcover or softcover (that is to say, my preference between the two changes on a somewhat regular basis, LOL), but I strongly prefer sewn binding, elastic closures, and ribbon bookmarks over spiral binding, plastic covers, and clip-in bookmarks.

When all else fails… Just buy the planner!

Okay, so maybe this isn’t exactly the advice you were hoping for, but it stands to reason that, if you’re drawn to a particular planner, the only way to really know if it’s for you is to try it out. Ideally all planners would let you try them out before you drop the cash, but if that’s not an option, just buy it. Worst case scenario, you find out you didn’t like it as much as you thought you would — and that’s OK.

Now, I know those of you on a strict budget might be a little upset with me here, but let me explain. Planner peace is so worth it, and sometimes the only way you can find peace is to discover what doesn’t bring you peace. Even the most expensive planners I’ve personally seen are under $100 for an entire year* and those ones tend to come with a much higher quality than the cheaper ones. Realistically, though, you can probably think of a million other things you do every day that cost more day-to-day than your planner might. (For a bit of perspective, a $100 planner — exceptionally high-cost — still works out to less than 30 cents per day. Most planners fall closer to the $20-50 range, which works out to 5-15 cents per day.)

If you have any more 2020 planner questions, feel free to drop a comment! What system will you be using next year?

*= I actually looked up the most expensive planners and immediately felt way better about my own planner purchases. If you’re having some trouble rationalizing cost, go check this page out and breathe easier!

Posted in Wifey Wednesday

8 Reasons Why You Shouldn’t Sign Up for Ibotta

It’s no secret that I love planning and planning-related activities. Generally speaking, these activities aren’t things that make me any money, but usually they make it easier to get through my day (or week) without having a mental breakdown. For the past month, however, our family has been using Ibotta, and I’ve got to say that the extra step has been more than worth it.

If you’re unfamiliar with Ibotta, it’s an app where you can upload your grocery, convenience, or liquor store receipts and receive cash back offers for the products you buy. It only takes a few minutes a week, and the bonuses really do add up. It’s like good old mail-in rebates, but without the stamp or the waiting. Just scan your receipts with your smart phone and you’re good to go.

So, with that being said, here are the top 8 reasons you shouldn’t sign up for Ibotta. (Please note that the contained Ibotta links are referral links, meaning that I get a small incentive if you sign up using my links. You get an incentive, too — extra cash just for being referred by an active member.)

1. You hate free money.

I get it — some people just have way too much money. If that sounds like you, you should probably skip Ibotta, since all they do is give you money for things you were already going to buy anyway. Even if you forget to add the offers you want before you upload your receipt, Ibotta’s algorithms compare the items on your receipt to items they currently have on offer, and recommends the ones that you’re eligible for. Just in case they miss something, they even let you search once you’ve already put in the receipt.

If free money absolutely isn’t your bag, it’s simple enough to think of Ibotta as an investment. For just a few extra minutes each week, you can actually see a return for your consumable goods. That money can then be used to purchase a virtual gift card (to give someone else that free money you hate) or even just banked up to see how much free money you’ve avoided. Why not?

2. You don’t have a smartphone.

People without smartphones are rare, but they do exist. Just a few days ago, as a matter of fact, I tried to help my aunt sign up for Ibotta, but she only has a flip phone and a tablet. Sadly, the tablet wasn’t compatible with the Ibotta app, so we ended up not finishing the signup process. It was a bummer for both of us, since we definitely don’t fit in the “I hate free money” category.

Unfortunately, I don’t have a workaround for this particular problem (but if you know one, please fill me in!). For everyone else, though, keep reading to see if Ibotta makes sense for your lifestyle.

3. You’re opposed to the idea of helping others… even if you get something out of it.

I tend to do my best to help others when I can, especially if it’s free or if I get something in exchange. I can understand that not everyone feels the same way, though. Some people really, really don’t like to see others succeed, even if helping someone else succeed also benefits them personally. I don’t get it, but I can understand.

If helping yourself earn extra money isn’t enough incentive to help your friends (e.g. me personally) earn a little referral credit, you could always get someone else to set it up for you. Does it really count as helping out if you outsource? I think not. And you can even pay this third-party person with gift cards that you earn from your own shopping trips.

4. You actually prefer the store brands — it’s not even about saving money.

Hey, I definitely get this one. Most of the time, I buy store brands out of convenience or necessity; it’s cheaper to buy an off-brand and if the ingredients are basically the same, who cares? But there are a few items I deliberately get the store brand just because the ingredients aren’t the same. (For example, why are Great Value marshmallows the only ones widely available that don’t contain artificial colors? Marshmallows are white. They shouldn’t have blue dyes in them.)

For most people, however, a well-earned cash back offer could be all that stands between the store brand and the name brand that everyone will recognize immediately. Ibotta gives you those cash back offers so you can feel good about going after the national brands. And, they even have “any brand” offers from time to time, so if you really want the bagged cereals and loose produce, you can still get them and get paid for it.

5. Planning a shopping trip ahead of time is so dang hard.

With two kids, planning anything can be a challenge. I definitely spent many a shopping trip just haphazardly finding a bunch of ingredients that I thought I could do something with. Often, I’d have to run out for a second trip just to get the rest of the ingredients that I couldn’t remember during my one-hour reprieve from the kids.

Now that I make up menu plans over a week ahead of time, checking Ibotta offers before I make my grocery trip just makes sense. It takes maybe an extra ten minutes, and saves me a ton of time (and money!) when I actually get to the grocery store. The money I stack up in the app puts me a little bit closer to creating the holidays I actually want to create for my kids… And it takes almost nothing to do.

6. Someone else buys your groceries, so you don’t need to worry about it.

For much of my adult life, I wasn’t the one doing the grocery shopping. I lived with family or roommates who received government assistance, so it was easier to let them get the groceries on their food stamp card, and I’d just eat whatever was leftover after they made their meals. It was mutually beneficial, because they’d have my few dollars of cash in their pockets, and I’d have food for next to nothing.

With Ibotta, however, it doesn’t matter who buys the groceries — you can still get cash back for the receipts. We’ve even tested out whether you can share receipts between multiple accounts, and as of this post, you can. We’ve shared the same receipts across three accounts at a time, each of us getting the money (although it seems that not all offers can be claimed on all accounts). If you’ve got enough people to share receipts with, much of your shopping trip could be completely free.

7. Food tastes better when it’s expensive.

It’s a well-known trick at expensive restaurants: Bulk up the price to an unreasonable amount, sometimes as much as $5 per bite, and people will flock to your restaurant so that they can show off their elite tastes and their grand paychecks. There’s an assumption that, if the food is expensive, it must be higher quality.

But, quite frankly, that’s not true. A free candy bar that you got trick-or-treating tastes every bit as good as the one you dropped $1.50 on. Ibotta rolls with this offer and motivates you to try new brands you otherwise wouldn’t have been able to, just because of the price. I’ve actually gotten quite a few gourmet products which — once the cash back is factored in — come out to cheaper than their “average” counterparts. And you know what? Gourmet ingredients taste amazing, and when they’re cheaper, you can buy more of them.

8. You don’t want “The Man” knowing what you’ve bought.

I’m not going to pretend that I fully understand this one, but there are some people out there who really, really don’t want someone else knowing the intimate details of what they buy. With a little extra effort, even these people can be satisfied. After all, there’s nothing stopping you from running two separate transactions — one for Ibotta offers, and a second for the things you buy that aren’t on offer. Receipts these days already have identity-theft-protection features, such as omitting most of the card numbers for the cards you’ve pulled, and using store-specific codes for some items so that they can’t be easily identified.

Here’s the thing, though… There’s no motivation for Ibotta to use your purchase history against you. Even if you don’t take the time to make separate Ibotta and non-Ibotta transactions, you can rest assured that your information is only being used to get the best offers for your lifestyle and your family. Don’t upload any receipts that contain personally identifying information, if you’re concerned. If you pay with cash, they don’t even receive the name of the purchaser. It couldn’t be simpler.

Still on the fence?

Ibotta has been a lifesaver for our family. We’ve been able to earn an extra $60 this month just from buying the things that we were going to buy anyway, and we’ve even been enticed to try some new things just because I had an offer to get the ingredients for cheaper. We bought pizza rolls for the first time in months because the cash back offer knocked the price down enough to fit it into our budget. We bought wine for us and for family members because the cash back offer had an incentive for claiming multiple times within a set time period.

I’ll probably never (willingly) go back to life without Ibotta, and hopefully I never have to. Check it out for yourself and I’m pretty sure you’ll be hooked, too.