If Rocket Money saves you money, it takes 40% of the savings. Using a credit card may seem counterintuitive to finding more money in your budget, but it doesn't have to be if you use the right credit cards and do so responsibly. It may not seem like you're spending much money when you're buying food off a dollar or value menu, but compared to buying groceries and making your own lunches, that's a lot of money that could be saved.