How To Eat For Free (Or Cheap) - Financial Panther (2024)

One of the things I noticed when I was working in biglaw was that whenever there was free food available, everyone came running. It didn’t matter if you were a lowly junior associate like I was or a big-time partner – free food was free food and everyone wanted it.

It’s a funny thing. We all just love free food. And I think this seems to ring true regardless of income or social status. Seriously, I think that most CEOs would go into a conference room to grab free food if they knew it was there.

For most of us, the big three expenses are always going to be housing, transportation, and food. If you can reduce your costs in any of these areas, you’ll likely put yourself in a better financial situation. I’m able to reduce my housing costs by living in an affordable house and house hacking. I reduce my transportation costs by rarely driving and instead, biking everywhere.

Food, on the other hand, has always been a weakness of mine. Compared to most financial bloggers, I probably go out to eat way too much. Still, my food costs actually aren’t that bad. And in fact, over the years, I’ve gotten pretty good at reducing my food costs by figuring out various schemes that allow me to get free food or get food for a lot cheaper than usual.

In today’s post, I want to go over some of the strategies I’ve used over the years to mooch as much free or cheap food as I can. Hopefully, you can use some of these strategies to do the same thing.

1. Use Secret Shopping Apps

Secret shopping definitely isn’t a new thing, as people have been doing it for years. However, it’s something I only recently discovered, and from what I can tell, it’s a gold mine for free food.

For those of you that don’t know what secret shopping is, the concept is pretty simple. Companies seek to maintain certain standards, and in order to do this, they enlist secret shoppers to dine at their restaurants and record what their experience at the restaurant is like. These secret shopper apps will reimburse you for your food purchases, so if you take advantage of these secret shopper apps, you can get pretty decent meals for free. Indeed, as of the date I’m writing this, I literally have a week of restaurant secret shops scheduled out – meaning I can essentially eat for free for a week.

As to how these secret shops work, all of the restaurant secret shops that I’ve done include questions where you rate your experience in certain categories, then a short narrative portion where you write a few sentences explaining your ratings. I typically will do most of the survey on my phone while I’m sitting in the restaurant, then finish up the narrative portions when I’m back home on my computer.

My suggestion before doing any secret shop is to read over the survey questions and make sure you know what you need to do in advance so that you’re not confused or tripped up while you’re doing the secret shop. The important things that you’ll almost always want to plan for are the following:

  1. Time how long it takes for you to get your food, get your check, be greeted by someone, etc.
  2. Figure out the name of certain people in the restaurant, such as your server, host, manager, etc, or failing that, getting descriptions of those people.
  3. Take pictures of certain things. This will usually be your food, and for sure, your receipt so that you can get reimbursed. If you have to take a picture of your food, it’ll usually be before you eat it, so always be sure to read the directions and know what you need to take a picture of before you start digging into your meal.

Like with anything, you’ll get better at doing these secret shops as you complete more of them. Just keep at it.

A few things to note. First, these secret shopper apps don’t pay very much, so you really shouldn’t treat this as a form of income. Most of the time, you’re only going to make a few bucks or just enough to cover your meal expenses. Second, these secret shoppers apps obviously take a little bit of work, since you’re going to have to fill out a survey detailing your experience. I don’t think these surveys are particularly taxing or difficult to do, but it’s at least a consideration to think about.

If you’re curious, here are a few of the secret shopper apps I’ve used to get free food. They won’t always have food gigs to do, but I do see food gigs pretty regularly.

  • MarketForce
  • BestMark
  • Presto Insta-Shops (this app has a lot of different secret shop companies that you’ll have to individually sign up for)
  • GigWalk and Field Agent.

I’m sure there are a ton of other secret shopper apps that I don’t even know about, so if you know of any others I should check out, please let me know.

2. Get free or cheap food using the Ritual app or other food ordering apps

Lately, there have been a ton of these food ordering apps hitting the market that allow you to order your food using the app and then pick it up when you arrive at the restaurant. This is obviously helpful since it saves you time. But an extra bonus is that a lot of these apps have coupons or other deals that will allow you to get food for cheap or free.

One food ordering app that I’ve really found useful is an app called Ritual. You use the Ritual app to order your food, then pick it up at the restaurant when it’s ready. Everything on the app costs exactly the same as buying it at the restaurant, so there’s really no downside to using Ritual.

The way you can get free food with Ritual is that if you use someone’s referral link, Ritual will give you $10 to use on your next meal. This means that everyone can get at least one free lunch by using this app. Every once in a while, I’ll also get random coupons that give me $5 off from certain restaurants, which means that I can often get myself lunch for cheaper than usual. Ritual also has a rewards system, so whenever you use the app to order food, you get points that you can then use to offset the cost of your purchase.

Ritual is only available in certain cities (mainly big cities), so if it’s in your city, take a look at it because they will randomly have deals on food. If you use my referral link for Ritual, you’ll get $10 – good enough for a free lunch (I also get $10 for referring you to this app, which helps me to get more free lunch for myself).

How To Eat For Free (Or Cheap) - Financial Panther (1)

There are other apps similar to Ritual that you can use to get yourself free or cheaper food. Chase Pay is one app that allows you to order your food in advance, and they sometimes run special offers that will make your meal free or much cheaper.

Another app that’s similar to Ritual is ByMe. I’ve been using this app to get myself some free or cheap food as well. I think ByMe is local to Minnesota, but the important takeaway is that your city probably has similar local food ordering apps. Make sure to check those out to see if you can use them to get yourself some free food.

3. Download Restaurant Apps That Give You Free Food

Every fast food place seems to have an app these days, and a ton of them will either have deals on them or will even give you free food when you download the app. A while back, I was getting a ton of free McDonald’s by using the McDonald’s app (I’ve since cut back on eating so much McDonald’s for health and other reasons).

If you do a Google search for restaurant apps that give you free food, you should be able to find tons of apps that will give you something for free when you download their respective apps. As an example, I recently noticed that my app for Kung Fu Tea gives you $4 if you use someone’s referral link. I referred my wife using my Kung Fu tea referral link, and she went and got herself a free bubble tea (feel free to use my link if you’d like to help me out).

4. Get Free Food From Restaurant Rewards Programs (Especially If You’re Doing Food Deliveries)

One of the little side benefits of doing food deliveries is that, at some restaurants, it’s possible to rack up some decent rewards points from their rewards programs, which you can then use to order yourself free food.

Over the past few years, I’ve racked up points from Buffalo Wild Wings, Qdoba, Noodles & Company, and others. My guess is that there are even more of these types of rewards programs out there, and if you’re doing deliveries, this is basically a way for you to bolster your income a little bit. Basically, when you pick up an order for someone, always try to see if there’s some way you can scan the receipt and earn rewards points.

For myself, I regularly rack up a good amount of points from Buffalo Wild Wings just by scanning the receipt when I pick up my order. You’re not supposed to do this, so I always do it secretly without drawing attention to myself. In the past, I’ve been able to do the same with Qdoba and Noodles & Company orders.

The point is that if you’re delivering food, there are certain places where you should be able to rack up enough rewards points that you can eat for free there later.

5. Use Meal Delivery Kit Services When They Have Deals

A few years ago, I really got into the meal delivery kit world because Blue Apron, Plated, Hello Fresh, and Home Chef were all offering really good deals that basically made each meal cost a few bucks. I haven’t used these meal delivery kits in a while now, but I know that all of them still offer these same type of introductory deals. You can use these offers to your advantage, basically signing up, getting your cheap meal delivery kit, then canceling your subscription.

The interesting thing is that back when I was doing meal delivery kits, it was pretty easy for me to just keep making new email addresses or using my wife’s email address to get discounts on my meal kits multiple times. I assume it’s still easy to do this.

If you think about these meal delivery kits as an alternative to going out to eat, it can actually make sense from a monetary standpoint as well. Basically, instead of spending $30+ going out to eat at a restaurant, you can get the same type of meal at home using these meal kits for $5 or $10 per person.

6. Use the Cash App To Get Discounts On Food

Cash app is an app similar to Venmo or PayPayl – essentially a money transfer app. It’s owned by Square, which is a large publicly traded company.

One of the interesting things the Cash app has is the “Cash Card” – a debit card that is linked to your Cash account. The big thing that the Cash card has is its “boost” feature, which gives you discounts at certain places when you use the Cash card and activate the specific offer. The big discount it has is $1 off any purchase at a coffee shop, which can be a big deal if you’re ordering a $2 coffee. It also has 10% off at a bunch of restaurants, Chipotle being the primary one I use.

Basically, whenever I eat at Chipotle these days, I’ll always load some money onto my Cash card, then use that card at Chipotle for an automatic 10% off my meal. It’s a definite no-brainer card to use if you’re eating at Chipotle.

How To Eat For Free (Or Cheap) - Financial Panther (2)

And remember, the Cash card is a debit card, so nothing happens to your credit by getting it. You basically just order the Cash card, load some money into your Cash account (same thing as putting money into your Venmo or PayPal account), and then use the card like any other debit card.

If you don’t have a Cash account, use my Cash app link and you’ll get $5 when you send your first $5 to someone.

7. Take Advantage Of Priority Pass And CoWorking Memberships

Whenever I travel, I basically always get free food since I have a bunch of credit cards that give me a Priority Pass membership. This allows me to go to a lot of lounges in different airports. Some lounges are better than others, but they all have some sort of free food. I rarely go hungry on travel days.

I also have a coworking membership at a WeWork near my house, which I get for free for a year through my American Express Platinum Business Credit Card. WeWork doesn’t always have free food, but it does tend to have food on a lot of days, so that’s a nice little perk I get from my coworking space (and they always have free coffee).

8. Go To SoFi Events

I’ve written in the past about these SoFi events. Basically, if you’re a SoFi member, you can go to these events, which always have some sort of free food.

You can read more about my experience at these SoFi events in this post:

  • How I’ve Received Thousands Of Dollars Worth Of Free Stuff From Refinancing My Student Loans With SoFi

The main takeaway here is that events like this are another way I’m able to get myself free food pretty regularly. My friends Apathy Ends and All She Saves know what’s up – they’re both SoFi members and go to these SoFi events all the time too.

9. Go To University or College Events

I live in a college neighborhood, and one of the advantages of living in a college neighborhood is that I can take advantage of a lot of the events that the university puts on. For example, the student union shows free movies in the student union theater most weekends, which means my wife and I can watch fairly new movies for free a lot of the time.

There are often also a ton of events around campus that have free food. Some of these events are just random student club events, which I wouldn’t go to, but there are also a lot of good events that are useful to anyone – speaker talks, seminars, and things like that. This works out pretty well for me actually because I often do my work on campus anyway, so it’s not too hard for me to just pop into a talk and get some free food. I also am pretty young and look like a student, so that helps me out. Obviously, whether you can take advantage of this will depend on how old you are (or how old you look), but it’s another option that you can think about depending on where you live.

Final Thoughts

This post isn’t meant to be an all-inclusive list of ways you can eat for free, and obviously, you won’t be able to eat for free all the time.

The point of this post is that if you’re willing to scheme a little bit and take advantage of the stuff around you, it’s possible to go out to eat a lot and not spend very much at all.

No, this won’t make you rich. But by using these strategies, you can eat pretty well for a whole lot less than others.

Do you have any strategies you use to eat for free? Let me know in the comments.

More Recommended Ebike/Scooters

Check out these other ebikes and scooters I've reviewed:

  • Urban Arrow Ebike – Last year, I made one of the largest purchases I’ve ever made – I bought a $9,000 electric cargo bike from Urban Arrow. In my Urban Arrow review, I will discuss what it is and why I decided to buy this bike, as well as discuss how impactful a bike like this can be on your journey to financial independence.
  • Troxus Explorer Step-Thru Ebike – The Troxus Explorer Step-Thru is a fat-tire ebike that I’ve had the pleasure of riding for a while now. It has amazing power, great looks, and awesome range. If you’re looking for a great fat-tire ebike that offers a lot for the price, the Troxus Explorer Step-Thru is definitely one for you to consider. Check out my Troxus Explorer Step-Thru Review.
  • Hovsco HovBeta Ebike – The HovBeta is a folding ebike with great specs and a lot of interesting features, and importantly, it’s sold at a good price point. I’ve had a blast commuting with it and using it to do deliveries with DoorDash, Uber Eats, and Grubhub. Check out my Hovsco HovBeta Ebike Review.
  • Vanpowers Manidae Ebike – The Vanpowers Manidae is a fat tire ebike that I’ve been riding as my primary winter commuting bike and have also been using it to do food delivery with apps like DoorDash, Uber Eats, and Grubhub. After clocking in a decent number of miles with this ebike, I wanted to write a post sharing what my experience with the Vanpowers Manidae ebike has been like. Check out my Vanpowers Manidae Review.
  • Sohamo S3 Step-Thru Folding EBike Review – A Great Value Folding Ebike – The Sohamo S3 Step-Thru Folding Ebike is an entry-level folding ebike that offers a lot of value for the price point. I’ve been riding the Sohamo S3 for a while now, putting the bike through its paces, and I have to say, this bike has exceeded all of my expectations. Check out my Sohamo Review.
  • KBO Flip Ebike – The KBO Flip is an excellent bike. I’ve had a great time riding it and think it’s a versatile bike that can be used for a lot of purposes and can fit a variety of lifestyles. It’s worked out great for me as a general commuter bike and as a food delivery bike. Check out my KBO Flip Review.
  • Hiboy P7 Commuter Ebike – The Hiboy P7 is an excellent electric commuter bike that’s offered at an affordable price point. The range and speed of this bike are both very good, so you won’t have any trouble getting anywhere you need to go with it. As a food delivery vehicle, this is also good – with how much range it offers, you’ll be able to work all day on a single charge. Check out my Hiboy P7 Commuter Electric Bike Review.
  • Himiway Escape Ebike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
  • Espin Sport Ebike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
  • Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
  • Varla Falcon Scooter – The Varla Falcon is an excellent scooter that offers a good amount of power at a lower price point compared to more powerful scooters. It’s not exactly an entry-level scooter, nor is it a high-powered scooter. I think it fits somewhere in-between those two categories – an intermediate scooter if I had to give it a category. Check out my Varla Falcon Review.
  • Hiboy S2 Scooter – The Hiboy S2 is an excellent entry-level commuter scooter that's perfect for someone looking to save some money in transportation costs and improve their commute. Check out my Hiboy S2 Review.
  • Hiboy S2R Scooter – The Hiboy S2R is one of the more interesting electric scooters I’ve been able to test out. It’s not a high-powered scooter, but for an everyday transport option, it’s very useful, especially given some of the unique features that it has. Indeed, for the price, the Hiboy S2R might be the best value scooter I’ve used. Check out my Hiboy S2R Review.
  • Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

More Recommended Investing App Bonuses

For additional investing app bonuses, be sure to check out the ones below:

  • M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
  • Webull (20 free stock shares) – Webull's current promotion gives you 20 free shares valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free shares using Webull.
  • Moomoo (15 free stocks) – Moomoo is a free investing app currently offering 2 different referral bonuses if you open an account using a referral link. Read my Moomoo referral bonus guide for more information.
  • Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
  • Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.
  • SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with just $10 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.

More Recommended Bank Account Bonuses

If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.

  • SoFi Money ($325) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $300 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
  • Fairwinds Credit Union ($175) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
  • Upgrade ($150) – Upgrade is a free checking account that’s currently offering a $150 referral bonus if you open an account and complete a direct deposit. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Here’s a post I wrote with more details: Upgrade $150 Referral Bonus – Step By Step Directions.
  • Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
  • US Bank Business ($800) – This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
  • Fifth Third Bank ($325) – This offer is limited to customers in the following states:Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, West Virginia, and South Carolina. If you don’t live in one of those states, you won’t be able to open an account onlinebut you can still open an account in-branch if you happen to be visiting a city that has a branch. This is a fairly easy bank bonus to earn, especially since there are plenty of data points showing what will trigger the direct deposit requirement. In addition, you can open the Fifth Third Momentum Checking bank account, which comes with no monthly fees or minimum balance requirements.Read my guide on this bonus here.
  • GO2Bank ($75) - GO2Bank is an easy bank bonus that I recommend people take advantage of if they have an easy way of meeting the direct deposit requirement. I like that it’s easy to open the account and that the bonus pays out quickly. Check out my step-by-step guide on how to earn your GO2Bank $75 referral bonus.
  • Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link. Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
  • Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
  • Varo ($30) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $30 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.

How To Eat For Free (Or Cheap) - Financial Panther (3)

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
  • 5% Savings Accounts. I'm currently getting 5.32% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
  • US Bank Business. US Bank is currently offering new business customers a $800 signup bonus after opening a new account and meeting certain requirements.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $250 for opening an account.
  • Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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