Yes, there are companies out there who will give you free money. They have their motivations, obviously. Mostly it’s about getting your attention, and as a millennial, that’s valuable (it’s even more valuable as a healthcare provider, but that’s a different discussion). Anyone can take advantage of the following:

Save with free saving apps: download and use Ebates and the Cartwheel feature in the Target app. Both of these give back free money from stuff you would already buy. I think they add up to around $10 a month for us, but all we do is shop through them at the same places we buy crap anyway. Since we have student loan debt, that $10 is eventually worth $37.28 in eliminated debt (assuming 20 year payoff at 6.8% interest).

Take Advantage of Free Robots: if you aren’t one for budgeting, let a robot do it for you. Download either ChangEd (pays off student loans) or Acorns (invests) and make financial headway with each purchase. Both of these apps work by rounding purchase amounts up to the nearest whole dollar and putting the extra into an account to either be invested or pay off your student loans. Neither charges more than $1 a month (after $5000 of investment, Acorns is .25% per year, at which point I would consider moving it). These create saving habits with no effort on your part.

If you’re feeling a little bit more motivated…

More free robots:

Use Personal Capital to track all of your accounts, investments, loans, and assets in one place. I use it as a dashboard to monitor my net worth. You can alternatively use Mint. I’ve tried both and have found that Personal Capital is less day-to-day hassle from an email and troubleshooting perspective, but go with your gut. Both Personal Capital and Mint are free.

Check out Paribus. If you shop at any of these stores, download the app. Paribus monitors prices on items you’ve bought online and requests a price adjustment credit for you if the prices drop. They also automatically contact retailers if a shipment is delayed. You don’t need to do anything, but I made a throwaway email account to use for my online purchases so they don’t have access to any sensitive information (these robots scan your email for receipts). Paribus is free.

And, of course: read more of this blog for great ideas to cut costs, earn more on the side, or otherwise be awesome at life. And please share how you do it. Oh, and this blog is free, too. But I’m not a robot.