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The 10 Best Tools to Help You Save Money

The 10 Best Tools to Help You Save Money

We all know that money doesn’t grow on trees, yet many of us don’t really know how to save money, so we don’t worry about unexpected expenses. Luckily, there are some great apps out there that will help you to learn how to effectively save money so you aren’t always digging for spare change between the sofa cushions on the day before payday. Here are some of those apps.

1. LearnVest

Learnvest

    This is a personal finance company that was started to help young people learn how to manage their money. It is free to use, and you can link it to your bank accounts. Use it to track your spending, create a budget, and create savings goals. Check in daily for a money minute to see what is going on with your finances.

    2. Mint

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    mint

      This is a lot like LearnVest, being a money managing app that will let you link up all of your accounts. You can put all of your expenses into categories, create a budget, check your credit score, get reminders for bill payments, and even receive customized tips for lowering fees and saving money based on how you spend.

      3. Level Money

      Level

        Here is an app that is basically a money meter. It will analyze your spending habits, and we mean all of your spending habits, so you can see where you are wasting money and learn how to save for a rainy day. You may be surprised at how much money you are wasting on little things, and what you can do to change your spending habits.

        4. Digit

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        digit

          If you are one of those people who just can’t seem to save money no matter how hard you try, let someone else do it for you. Digit will keep an eye on your income as well as your spending habits, and then take a little bit of money and hide it in a savings account every few days. You don’t have to pay for this service.

          5. Acorns

          acorns

            This is an app that will help you invest, even if you only have a few dollars to invest. It will round up all of your purchases to the nearest dollar, and invest that difference into a stock portfolio that is diversified. You can transfer the earnings into an Acorn savings account once you have earned $5.

            6. IVA-Advice

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            Iva-advice

              If you have a lot of outstanding bills and it seems like you are never going to be able to start saving money, IVA can help. You simply make one affordable payment to a legal professional, and they take care of paying all of the various bills. After 60 months, any outstanding balances are written off, and you are left debt-free.

              7. Good Budget

              goodb

                This app shows you how much you spend. You can link it to your bank accounts and credit cards and sync transactions. Then, you can see what you have left that is actually spendable, and how much you need to set aside for important expenses.

                8. BillGuard

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                bill

                  This service will tag all transactions that you probably wouldn’t be making, and let you know about it. This is a great way to protect your identity, and to make sure that no one is making unauthorized purchases on your accounts.

                  9. Mint Bills

                  mint bills

                    This is an extension of Mint, and lets you see your balances and bills all in one place. Pay bills directly from the app, make scheduled payments, and even receive alerts about upcoming bills or when your funds are getting low.

                    10. MoneyWiz

                    wiz

                      Not only does this app take care of your bank accounts, budgeting, and bills, it also helps you to get out of debt. You will really learn how your spending and earnings compare, and learn how to make changes so you can save money.

                      Featured photo credit: Panu Tangchalermkul via flickr.com

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                      Last Updated on August 15, 2018

                      30 Fun Things You Can Do This Summer Without Spending Much

                      30 Fun Things You Can Do This Summer Without Spending Much

                      Summertime can be a real strain on your wallet. The sun is out, there are people to see, places to be; it’s no wonder you might be short of funds during these sunny months. Not everything has to cost you an arm and a leg.

                      Take some time to go through this list of 20 cheap summer activities and make some realistic goals to complete as many as you can.

                      Video Summary

                      1. Visit a strawberry festival

                      Summer is prime time for tasting strawberries. More often than not, an area that grows strawberries will have a strawberry festival. Indulge yourself in strawberry pies, jams, cakes and more!

                      2. Have a picnic

                      Take your partner or your family to the local park and enjoy a relaxing picnic. Designate each person to bring one food item of their choice to add to the fun.

                      3. Camp in your back yard

                        The summer heat can sometimes make it hard to sleep. Why not enjoy the heat outside in the yard? Pitch a tent or gaze into the night sky.

                        4. Take long walks

                        Discover something new where you live. Take the afternoon off from your chores and go for a long walk. You may be surprised by what you discover.

                        5. Break a world record

                        Breaking a world record doesn’t have to be time-consuming. You could even break one on your lunch hour. Give it a go!

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                        6. Go on a bike ride

                        The number of bike paths on roads in big cities has increased dramatically over the years. Take advantage, and enjoy the summer breeze.

                        7. Join a gym class

                          The gym is not everyone’s idea of a good time, but why not go with a friend a join a class? Spinning, yoga and step classes are always more fun with friends, and a lot of gyms allow you to pay-as-you-go.

                          8. Find a new hobby

                          The summer is the perfect time to find a new hobby. Serotonin (our body’s natural “happy” hormone) is produced by the sunshine and will be at a yearly high, which is great for when we want to tackle something new.

                          9. Join a sports team

                          Not all sports teams are competitive and require huge amounts of your time. Join in the fun with like-minded people, get fit, stay healthy and make some friends along the way.

                          10. Make a slip ‘n slide

                            Gather your friends, some plastic sheeting, a hose, washing up liquid if desired, and make a huge slip ‘n slide just like these guys. Granted, yours won’t be as big, but you get the idea… it’s fun!

                            11. Make a treasure hunt for your kids

                            Today’s digital world sees our children more often than not playing inside than outside. Why not create a sense of adventure by making a treasure hunt? Only rule? It has to be outside.

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                            12. Visit a free festival

                            Towns and cities are awash with free festivals, with themes from film to science. Scout your local area and discover something new.

                            13. Visit the zoo

                              Let’s face it: we love animals. While browsing news websites and social media networks you’re bound to come across a few pictures of cats. Take a trip to your local zoo for a better experience.

                              14. Take a road trip

                              Enjoy the open road with a few friends and take a road trip somewhere–anywhere. Just go out and enjoy the sunshine!

                              15. Play ultimate frisbee in the park

                                Frisbee is always great fun down the park, but why not turn it into more of a competitive sport by playing ultimate frisbee?

                                16. Make your own ice cream

                                Ice cream is a very versatile dessert. Make a sandwich, enjoy a cone, or simply just enjoy a bowl full. Better yet, making your own ice cream allows you to create any flavor you want.

                                17. Invite your neighbors over for a BBQ

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                                  When was the last time you invited your neighbors over? Do you even know them? Now’s your chance. Just ask each person to bring a food item so costs don’t mount up for you.

                                  18. Get a summer job

                                  For many students, summer is the time for relaxation and fun. But who said earning money and being productive isn’t fun? You only get out what you put into a situation.

                                  19. Attend a charity event

                                  Attending a charity event is a great way to raise funds and awareness for a cause, meet new people, and generally have a good time. Search for your local charity event today.

                                  20. Visit a national park

                                  National parks are a great way to explore nature and learn something new. You could even volunteer and make a difference in helping restore natural habitats.

                                  21. Visit your local comedy club

                                    Local comedy clubs are extremely underrated. They are cheap to attend and no doubt you’ll have a barrel of laughs.

                                    22. Make your own hammock

                                      Hammocks are very relaxing, are perfect for summer afternoons and are surprisingly easy to make.

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                                      23. Read in your new hammock

                                      Now you have your very own hammock, the only thing left to do is enjoy it. Grab your favorite book and read to your heart’s content.

                                      24. Watch a movie outside

                                      Movies are great. Relaxing outside in the evening is great. Put them together and you’ve got a perfect combination. In D.C, Maryland and Virginia this summer, for example, you can enjoy a huge number of movies outside.

                                      25. Take a hike

                                        Hikes are a great way to keep fit and see more of Mother Nature. There are countless trails available for you to explore. Why not try some this summer?

                                        26. Learn how to fly a kite

                                        As a child, you probably had a kite and haven’t touched it since. Why not dust it off and attempt to fly it? It’s tricky, but well worth the challenge.

                                        27. Work out at the park

                                        American cities are full of parks with ample space for a work out session. No doubt you’ll be happier to work out in the sun rather than a crowded gym.

                                        28. Take your dog to the beach

                                          One of the many joys of owning a dog is taking him or her for long walks during the summertime. This joy is enhanced when visiting the beach, for both you and your dog.

                                          29. Make a summer smoothie

                                          Healthy, delicious and perfect for the summer. Not only that, there are countless recipes ready for you to try.

                                          30. Attend a free yoga session at the beach

                                          No experience needed and all skill levels are welcome. Take yourself and a buddy down to the beach and try some yoga. You’ve got nothing to lose!

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