There are  a lot of apps/websites out there that claim to make or save you money. These are the 21 best that I use and would recommend. I definitely recommend getting a PayPal account as most of the apps will let you choose between a gift card or payment to PayPal. Gift cards are great but if you are looking to save for Christmas, a vacation, or pay down debt the cash may be more useful than a Starbucks gift card.

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