These are resources that I personally use and recommend because they are really helpful and essential for living richly on a budget.

Disclosure: This page contains some affiliate links. When you make a purchase through the links, I may receive a small commission.

I can’t live without my Amazon Prime Membership. We buy almost everything here (like weekly) that we can’t get at Costco or the grocery store – vitamins, ballet shoes, clothes, books, birthday gifts, Instant Pots, and more. I love the convenience of having things delivered to my door within 2 days! And the return process is super easy. Plus, Amazon Prime Video is included in the membership as well.

Balance, formerly known as Consumer Credit Counseling Service, is a nonprofit that helps people pay off debt within 5 years! They have been around since 1969 and are accredited and legitimate. Balance works directly with creditors (most but not all) to lower your interest rates so that you can pay down debt faster. They only charge a small monthly fee. Definitely check them out as they are totally different than the predatory debt consolidators out there!

Rakuten, formerly known as eBates, is a great cash back plugin that I use for online shopping purchases. I’ve earned over $350 over the past few years just having the Rakuten eBates plugin working in the background while I make purchases online. I also love that they suggest coupon codes for merchants at checkout. Earn $10 when you sign up through my link!

I love getting new clothes. It’s like a treat for me that makes me feel rich on a budget! I only spend about $20/mo. on new clothes by buying second hand. 

ThredUP has a nice selection of procured, in style clothes in like new condition. I no longer have to dig through racks of clothes in consignment shops. 

Now, I go on my ThredUP app, search for items that I want to buy, like tops, and it shows me everything in my size. I “like” the clothing items that catch my eye and it goes into my Favorites section. Then later, when there’s a coupon code or I am ready to make a purchase, I check my Favorites section to see what’s still available.

Returns are easy. You do have to pay a small $1.99 restocking fee though. But if you are willing to return for store credit, you get a free shipping label.

I love the convenience of buying online and picking them at the store. I live near 3 Targets and I love that you can find what’s in stock on Target.com or through the Target app. 

I no longer have to hunt things down, which is challenging with a rambunctious 3 year old in tow! It’s so much easier to just go to Target customer service and pick up my order.

I go to Target mainly for diapers (low prices for Up & UP brand), cosmetics, toiletries, office supplies, school supplies, and kids clothes. As much as I love Target, the less time I spend in the store, the lower my Target bill is!

I have used Swagbucks to earn Amazon gift cards for Christmas. You can watch videos, take surveys, shop, and search the web, with their app, to earn rewards.

If you have time, it’s not a bad way to earn gift cards for the holidays. Sign up for Swagbucks through my link.

I have been cable-free for a few years already and honestly don’t miss it! I feel more productive and would rather watch things on demand now. 

Nowadays, there are so many options to watch TV. And with Hulu, you get the latest episodes of your favorite shows!

They also have cooking competition shows like Chopped, older hit shows like Golden Girls, older UFC fights, and a selection of popular movies. I’m currently hooked on Veronica Mars!

You can choose between a plan with ads ($5.99/mo.) or no ads for $11.99/mo. And there’s an option to add live TV with select channels, as well. Sign up for a trial of Hulu here.