22 Money Apps

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Money Apps are FREE of charge to use and save you money at the grocery store, while shopping, dining out at Restaurants, buying Take-Out, buying fuel, on travel… the list is endless.

Many will even Make Money for you & give you Cash for things you normally would do like grocery shopping, buying fuel or when you watch videos or want to sell items like cds & dvds

Some will give you Cash Back on items you bought, others give you points for scanning products, then you convert those points to Gift Cards or withdraw Cash via Paypal. Others will give you Free Food Offers when you Buy one, you Get One Free (BOGO) and some work the same way coupons work without having to cut out paper coupons



Money Apps:

1. Alaska  Bunch – is a clickable picture Survey App, ‘do you like this or this?’ , where you get $5 for signing up and then get paid for each survey you answer, it’s easy to use.  Once you reach $25 you cash out with Paypal


2. Shopkick

You earn ‘kicks’ (points) = Shopkicks, that you accumulate and then cash in for FREE giftcards

You can earn ‘kicks’ by WALK-INs, walking into stores offering shopkick walk-ins, open the App before you enter the store, Your kicks will appear on your screen …Walmart, Target, Kmart, Publix etc,

You can earn additional ‘kicks’ by scanning the barcode on specific products in the store


3. Checkpoints

(Enter code: ozkat67) when you register your account for bonus points on signup

Similar to Shopkick, Checkpoints award points for scanning specific products in the store, or check-ins at certain stores.  You  can cash out with PAYPAL once you have earned enough points or use your points for any of their other giftcards (Walmart, Amazon, Target, Best Buy)

You can also earn points by watching short videos


4. Ibotta

Ibotta is a grocery shopping App that replaces cutting and clipping coupons

  • Download the Ibotta app, available on iOS and Android. The app is required to submit a receipt
  • Unlock Rebates

Before you go shopping, unlock cash rewards on great products by completing simple tasks

  • Go Shopping

Buy the products you’ve unlocked at any supported store

  •  Verify Your Purchases

Scan your product barcodes, then submit a photo of your receipt.

  •  Get Cash

You’ll have the cash deposited into your Ibotta account within 48 hours

Once you reach $20 you can withdraw your cash via PAYPAL

5. Checkout51

  • Download the App
  • Browse offers and buy products listed
  • Take a photo & Upload your receipt using Checkout51
  • They confirm your purchase and credit your account
  • Once your account reaches $20 you can cash out, they will send you a check in the mail

You earn more cash back with this app than you would clipping coupons


6. TheCouponsApp

Search for deals, coupons & online promo codes from over 100,000 retailers inside The TheCouponsApp

Shopping and restaurant offers at thousands of nationwide and local chains. Browse the best coupons, view local deals or see popular retail stores. Get alerts when they offer new savings at all your favorite restaurants & stores. Get automatic notifications when deals are nearby


7. WALMART Savings Catcher

Just by registering and uploading your receipt via the QR code, Walmart checks local competitor prices and refunds you the difference if they find an item on your receipt cheaper elsewhere

Submit your receipt to Savings Catcher in any one of two ways:

  1. Enter the receipt number (the TC number) into Savings Catcher at savingscatcher.walmart.com or in the Walmart Android f4147bb044297965f3fd find this number located near the bottom of your printed Walmart store receipt.
  2. Or, scan the code at the bottom of your printed store receipt, using the scanner in the Savings Catcher section of the Walmart app

Savings Catcher compares the prices of the eligible items you bought at Walmart to the advertised prices found in the print and online versions of the weekly ads of top retailers in your area. The ads must be valid at the time you made your Walmart purchase.

If Savings Catcher finds an advertised price that is lower than what you paid for the same exact item at Walmart, you’ll get back the difference in the form of Savings Catcher Reward Dollars, which can be redeemed for a Walmart Rewards eGift Card or Walmart Buck$ added to your Bluebird by American Express Card, which can be used to make purchases exclusively in-store at Walmart or online at Walmart.com


8. Receipt Hog – turn receipts from everyday shopping into cash

You simply download the app, register your name & email, take a photo of your Receipt from restaurants, groceries, health items, beauty products, clothing, club stores, pet stores. drug stores etc you will earn ‘coins’ and once you have enough coins, trade your  coins for Cash via Paypal or Amazon Gift cards or magazines


9. Find&Save – Cash back and coupons for shopping at local stores & restaurants.  Upload your receipt and earn cash back


10. T-Mobile Tuesdays – If you have a cell phone with a T-Mobile service, download the app. Each Tuesday you get free rewards.  You don’t have to do anything but hit the REDEEM button

We have had free Pizza’s, chipotle, Video Rentals, Movie Tickets, 25c/gal off gas, they have heaps of rewards


11. Fuel Rewards – Save 5c, 25c, 30c per gallon when you fill up at the Gas Station, dine at select restaurants, shop at convenience or grocery stores, travel etc


12. Decluttr – Cash back for your old cd’s, dvd’s, video games

Download the app, scan your item’s barcode, (or enter the ISBN number online if you are not using a cell phone), you can accept or decline their offer. All shipping is paid by the buyer. They send you a shipping label, you pack them up and ship them off…It’s free to use, they pay you cash as soon as they receive your goods and have checked them, you can choose to be paid by check, Paypal* (*This option was available online on my desktop computer but not when I did it via my cell phone) or direct deposit to your bank account

They have a pretty good online reputation, and at no time do you have to agree to their offer. I scanned my cd’s, some were only worth 5c, 10c , 30c, 40c, but I had about 9 that they offered anything from $1.50-$3.50 each, I got about $50 back for CD’s I no longer listen to


13. Swagbucks -Earn Cash back for watching videos, playing games, shopping, dining out, travel & surveys


14. Saving Star – Cash back on select fruit & vegies, groceries, cash out after $5

You can cash out to a bank account, PayPal account, Upromise account, Starbucks gift code, iTunes gift code, or AMC Theatres gift code. Payouts occur within 24-48 hours of being requested


15. Coupons.com – Cash back on Groceries – Select coupons before you shop, upload receipt, get cash back


Weekly BOGO Offers From Fast Food Restaurants when you download their Apps:

16. McDonalds – You just download the App, show the QR code when you pay


17. Burger King – Download App, open at Burger King, use Promo Code when you Pay ($30 in APP offers each week)


Save on Restaurants:

18. Groupon.com offer 20-40% off e-cards for local restaurants, Buy a $10 gift card for $4, $25 card for $10 etc


19. Restaurant.com also gives you a discount on Restaurant e-certificates

What this means is instead of you paying $25 at a Restaurant you pay $10 for an e-certificate and the e-certificate is worth the full $25 at the restaurant

It is a local app for restaurants near your location, so it’s great to take with you when you travel too


20. LivingSocial.com – Find and purchase great local offers, discount vacations, unique products, and local events with just the tap of a finger. It’s all on the LivingSocial app, available free for Android and for iPhone and iPad


21. Perka – % cash off your restaurant bill, Today we got 10% off our bill just for a check-in

  1. Check in on the app when you’re ready to pay
  2. Let the store clerk know you’re using Perka
  3. Start earning perks

you will get points / punches towards free rewards (like free drinks etc) for each visit, like a punch card, then you redeem for your free reward when you have enough perks accumulated

It depends on the restaurant what the reward is, but it’s free money off your bill



22. AMC – Earn points and Cash Back Off food &  Movie Tickets at AMC Theatres, get invites to advance screenings, souvenir posters, lots of perks if you are a regular movie goer


*Affilliate Links have been used in this post that will Save you Money and help us to provide quality content.  We also use links for which we receive zero referral fees or compensation to help save you money


Photo Challenge: Lunch

lunch©2017 KDArtStudio

From my 30 Day Photo Challenge: Lunch

One of the things I love doing is buffets and tasting parties

“Lunch” in our house on the weekends could be any of these table spreads or just a simple sandwich & cup of soup.

Sometimes if I am on my own it’s a snickers Bar & a Diet Coke, don’t judge!…lol

Around the Holidays I usually put out a full table of food for everyone to graze on noon till night

It really just depends what sort of mood I am in and if i feel like cooking or not

The weekend Summer Tasting parties are probably my favorite and gives me a chance to try out new recipes on my unsuspecting, involuntary “tasters”

We certainly don’t eat like this all the time, these were ‘special occasion’ meals that I took photos of that I found when I was sorting through my old photos, that I thought would fit nicely into the Photo Challenge ‘Lunch’ theme

Yum! 2017 American Culinary Federation Award Finalists


The American Culinary Federation is pleased to announce the 2017 ACF award finalists.

via The 2017 American Culinary Federation Award Finalists — We Are Chefs

10 of Sydney’s Hidden Bars

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Sydney in the 90’s

We used to go bar hopping, otherwise affectionately known by Aussies as going on a ‘pub crawl’ where we would go from pub to pub to pub to …well you get the idea

There were more pubs than we could get to in a night (someone told me over 300) .  We would usually start at “the Metro” Cnr George & Bridge Streets and go to the upstairs bar, I spent every Friday night for 3 1/2 years in there, the T-Bone Steak & Chips was “the regular” and bourbon & coke (used to cost us $3.50) followed by Heinekin and Black Russians….yep, this gal could drink……thankfully the internet wasn’t that popular then, and people still liked talking to each other. Cell phones weren’t equipped with cameras & those who sported them were usually banker nerds (no offense!) If only those walls could speak, well, let’s just say there’d be some tales to tell…thankfully for me, my secrets are safe.  It has since been renovated into a hotel with a rooftop bar, wow

Sydney Insider:

One of Sydney’s best kept secrets wasn’t the tales told at the Metro.  It is the fact that there were secret bars only known and frequented by ‘the locals’…. lots of them underground in conspicuous locations….the ‘747 Bar’ in Wynyard was decked out like the inside of a 747 plane, it was pretty cool. Then there was ‘Jungle Bar’ which was part of, or very close to the Menzie’s Hotel (I wonder now if it might have been inspired by Elvis Jungle Room, who will ever know).  Probably my favorite, was the ever popular ‘Test Tube Factory’ where the waitstaff were all dressed in lab coats and brought you shots of liquor in test tubes, it was very ‘hip’….. sadly, I do believe most of these bars have now closed down. It’s a shame, you would have liked them

There has in recent years been an influx of “hidden” “secret” bars that only a few know about, some so secret, they remain unmarked and only locals know how to even get inside

Problem is, there’s this thing called the Internet, where everyone IS finding out about them, so any that are any good, won’t be secret for long, and you aren’t going to remain secret hitting the “top 50 bars in the world” list every year

I have corralled 10 Underground, hidden bars & pubs for you, (don’t hold me responsible if you have a great time or get lost down some dark alley)… I’m just the messenger, sharing some good time fun

These aren’t ‘kid friendly places’ and are intended for adults of drinking age (18 in Sydney) and older

The ones I am listing here are all within a close radius of each other and all located in the CBD.  There are others in Darlinghurst & Surry Hills, but for now, these are in walking, crawling or hailing a cab (taxi) distance of each other

10 Hidden/Underground Bars In Sydney:

(In no particular order)

1. The Baxter Inn – Basement 152-156 Clarence Street, Sydney

The not so secret whiskey bar is located in an unmarked alleyway on Clarence Street, nestled among some rubbish bins,  there’s apparently a mysterious door that leads you into The Baxter Inn

It is renowned for its unrivaled whiskey selection (& has a secret whiskey room at the back).  It has been named yearly on the world’s 50 best bars list, and is on several ‘top 10’ lists for Sydney

2. Grandma’s – Basement 275 Clarence Street, Sydney

It has been described by many as ‘a 60s kitsch basement’

2011/12 Nominated for Best New Bar in Australia, Bartender Australia Magazine and
The Australian Liquor Industry Awards

2011/12 Nominated Best Small Business, Sydney City Business Awards

3. Bulletin Place – Level 1, 10-14 Bulletin Place, Sydney

Look for the brown doors to the left of Cabrito

The bar is about 1 minute from Circular Quay

Bulletin Place was opened in 2012 by three bartenders

4. Palmer & Co – Abercrombie Lane, Sydney

Tucked down an alley and hidden underground, Palmer & Co. is a time warp back to the 1920s  the era of prohibition with its bootleggers & sly-groggers

5. Stitch – 61 York street, Sydney

Pop through the faux-dressmaker’s shopfront adorned with singer sewing machines and yarn, and head down the stairs to Stitch, the Bar

6. Papa Gedes – Laneway at the rear of 348 Kent St

This cool Tiki Bar is Named after the voodoo spirit of lust and laughter

7. The Swinging Cat – 44 King Street, Sydney (Cnr Clarence & King St)

The New Oreans inspired bar is located underneath a Subway Sandwich shop with the entrance being shared with Subway and bears almost no signage

8. Gilt Lounge – 49 Market Street, Sydney

Inside QT Sydney, the hotel that joins the old Gowings department store and the former State Theater

9. Lobo Plantation – Basement Lot 1, 209 Clarence St, Sydney

Carribean Inspired Cocktails & Menu

10. Mojo Record Bar – Basement Level, 73 York St, Sydney

Music themed bar with records & music memorabillia all over the place


Other “Watering Holes” that aren’t so secret:

Jackson’s on George – 176 George Street, The Rocks,Sydney

Phillip’s Foote – 101 George Street- The Rocks, Sydney (Beer Garden Patio out back )

Save up to 60% off 4+ Star Hot Rate® Hotels!

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Cheese & Wine Pairing

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err…no thanks


Cracking the code



via  Nuance


I am an avid cook and a total foodie.  There’s nothing I like more than creating a new sauce or recipe from scratch and coming up with a totally different flavor I haven’t tasted before. Unfortunately no one in my household is that interested or shares in my excitement or passion for the culinary arts when I discover something new and different, they are more ‘meat (cheese) & potato’ kind of guys

I love experiencing the same when I visit new restaurants, especially fine dining.  I am so excited to try new things and see if i can discover the chef’s secret… There is always a ‘hint’ of something they have used that you just can’t put your finger on it, it’s so subtle but you know it’s there, it’s intoxicating, the umami of flavor.  It is that very nuance that brings you back time and time again until you crack the code, either that, or you rush home and desperately search google for their secret recipe online, 9 times out of 10 you can find it online, or you try to recreate it in your kitchen at home

The culinary world just blows my mind at the moment, there are so many different stlyes of cooking, so many flavor profiles, so many new trends, you just master one and a new one is out that you just ‘have’ to try

Adding citrus brings many dishes “alive”, transforming them from …’mm, it’s okaaay’, to WOW!

If you haven’t done so already, you should, mix lemon juice through your mashed potatoes, or through your alfredo pasta, you will thank me later if you haven’t tried it already, it’s awesome with arugula salads instead of salad dressing and on sauce-less pita bread pizzas with chicken

Sun-dried tomatoes is another big bang for your buck flavor you can add to sauces like alfredo or aioli to ‘kick it up a notch’, all the better if your sundried tomatoes are homemade and roasted in a slow oven over a day, they are amazing

Anchovy is another culinary secret, it’s what makes Caesar dressing almost drinkable, you can add it to pasta sauces, home made tomato soup etc.  Goat cheese & Sea Salt is another surprising flavor, it’s the slight tang that brings food to life in goat cheese when you add it

It’s these subtle hints of flavor that keep me excited as a cook and keeps me wanting to try new things


Foods Rich in Vitamin C

vitamin c


Vitamin C, also known as ascorbic acid is an antioxidant and  water soluble vitamin that plays an important role in immune function

Vitamin C neutralizes “free radicals” caused by pollution, cigarette smoke etc  and protects your cells from damage

Vitamin C aids in collagen production that protects your skin and organs from damage if you get cut or suffer injury

Vitamin C makes hormones like serotonin, dopamine, epinephrine, and norepinephrine. that affect your mood, memory, motivation, and how you feel pain

Very high doses of vitamin C through an IV may slow the growth and spread of cancer cells

Vitamin C is readily available in a variety of raw fruits and vegetables

  • Tomatoes
  • capsicum
  • grapefruit
  • oranges
  • spinach
  • broccoli
  • cauliflower
  • potatoes
  • lemons
  • limes
  • strawberries
  • raspberries
  • blueberries
  • cranberries
  • papaya
  • kiwi
  • pineapple
  • cantaloupe
  • plums
  • watermelon
  • bananas
  • apples
  • pears
  • Bell peppers
  • leafy greens
  • kale
  • Swiss chard
  • collards
  • cabbage
  • bok choy
  • Brussels sprouts
  • sweet potatoes
  • winter squash



10 Foods Rich in Vitamin D

vitamin d


Vitamin D is vital to maintaining bone strength, preventing bone loss, preventing fractures from falls. It aids in preventing cancer and boosting the immune system.

Vitamin D occurs naturally when we are exposed to direct sunlight.  It aids with fighting depression and other illnesses

Vitamin D doesn’t occur naturally in very many foods, but is present in fatty fish like Salmon, herring, sardines, caviar

It can be found in cod liver oil, mushrooms, pork, egg yolks, and is often added to orange juices and dairy products as a fortified product

Vitamin D is used for conditions including high blood pressure and high cholesterol. It is used for diabetes and obesity, muscle weakness, multiple sclerosis, rheumatoid arthritis, chronic obstructive pulmonary disease (COPD), asthma, bronchitis, premenstrual syndrome (PMS), and tooth and gum disease.

Vitamin D is involved in regulating the levels of minerals such as phosphorous and calcium

Most of us have heard people say, “If you want strong, healthy bones, drink your milk”

14 Foods that Lower Cholesterol


This post is informational only and does not replace medical advice – Please consult with your own health professional



What is Cholesterol?

Many people are told by their doctor the have high cholesterol, or Triglycerides but aren’t really sure what that means

Not all Cholesterol is created equal

There is Good Cholesterol (HDL) and Bad Cholesterol (LDL)

HDL stands for High-density lipoproteins, while LDL is an abbreviation for low-density lipoprotein

LDL, the Bad Cholesterol is when plaque builds up in your arteries and makes it hard for blood to get to your heart.  You want to lower the “bad”  LDL cholesterol, and triglycerides (fats), which your body stores in fat cells and increase the “Good” HDL cholesterol

HDL on the other hand, the Good cholesterol,  gets rid of the excess fatty cholesterol in your blood via your liver where it’s broken down and removed from your body

Cholesterol is a waxy substance that’s found in all of your cells.  It attaches itself to proteins that travel through your bloodstream

When arteries become blocked, it is often caused by a build up of excess plaque that clings to the walls of the arteries and narrows the artery, restricting blood flow, this is when blood clots form and can lead to stroke, heart attacks or death


Most of us have seen ads on tv for Lipitor, Crestor and Zocor, these drugs are in a class called statins, their main function is to lower the bad cholesterol



Smoking greatly reduces your “Good” HDL cholesterol and narrows your arteries



Increasing physical activity can lower your triglycerides while increasing your HDL levels, and you may also lose some weight which is good for your overall health if you are tipping toward obesity



DIET can play a big part in good and bad cholesterol

Fried, fatty foods, cakes, cookies greatly increase the BAD cholesterol due to their high saturated trans fat content, the elimination of these alone, can drastically reduce your bad cholesterol

You can easily reverse the bad cholesterol and increase your good cholesterol with simple diet modifications


Foods that lower “bad”Cholesterol:

You should include more of these in your diet

Fruits & Vegetables:

  • orange juice
  • apples
  • berries
  • avocado
  • Brussel sprout


  • green tea
  • red wine

Omega 3:

  • Salmon
  • Fish
  • Mackerel
  • Tuna
  • Sardines
  • Olive Oil

Nuts & Grains:

  • Almonds
  • Walnuts
  • Hazelnuts
  • Brown rice
  • oatmeal


These foods have been proven to lower bad cholesterol and help to increase your good cholesterol

Interestingly enough, the majority of these very same foods reduce inflammation in your body as well

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