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Saving Money Is Hard for You? These 6 Apps Can Make It 10 Times Easier

Saving Money Is Hard for You? These 6 Apps Can Make It 10 Times Easier

Budgeting is hard. It’s time-consuming and requires you to face the fact that you spend money. And often times, the money you’re spending could have been saved. Do you really need that six dollar latte? Do you have to have that scarf that you will wear one time and then forget about? No, I don’t think so.

But often times, we get caught up in a moment and use money that would have been better spent in a savings account or going toward credit card debt. After all, statistics show each household with a credit card carries more than $15,000 in credit card debt.[1] So why are we racking up more bills? When smartphones starting making a big appearance in our world, the phrase you heard so often was, “there’s an app for that.” And, well, there is!

Self-control just doesn’t work when you spend money? Technology can give you a helping hand!

While it will require a small learning curve sometimes, and while it does mean you have to pay attention to your spending and track your habits, using money saving and budgeting apps can do wonders for your bank accounts. If you can get into the habit of turning to some of these apps before handing over your credit or debit card to the cashier at your favorite clothing store of coffee shop, you may find yourself with a healthy savings account, and potentially even some “leftover” money!

The following apps will be rated on the same scale and look at uniqueness and personalization, price, usability and appearance. If you’ve used any apps on or off this list with success, be sure to share!

Acorns

    This app is incredibly user-friendly, and the concept is simple: Automatically invent spare change from every purchase. So let’s say you go to Starbucks and buy a coffee for $3.24. You would be $0.76 away from an even $4.00 purchase. So Acorns applies that difference to your account. Boom, you just invested $0.76. You can even set up recurring investments, such as $5.00 a day. This simple savings can add up to about $2,000 a year. And if you have a 401k or another type of savings already, imaging the benefits you’ll reap by investing just $35 a week on top of that![2]

    Uniqueness and Personalization 10/10

    I love this app for everything it represents! It couldn’t be more personalized, since it is going directly off of your purchases.

    Price 10/10

    Acorns is free!! I try to stay away from money saving apps that cost me money, as I feel like it defeats the purpose!

    Usability 10/10

    I know I’m giving this app a perfect score, but I believe it deserves it. Acorns really makes saving money simple and at no point does it feel intimidating or confusing.

    Appearance 10/10

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    Acorns is bright, clean and easy to read and understand. I like to look at it and therefore, I’m prone to use it more.

    Mint

      I personally love this app. For me, it serves a great purpose because I can see all of my accounts, bills and budgets in one place. If you, like me, have more than one credit card and multiple recurring subscriptions, it’s really helpful! You can also link your savings accounts, 401k, IRA, and even see your net worth. It’s secure and free and gives you a (fairly accurate) free credit score regularly. Oh, and if you are one of the rare people who use cash only, you can still use Mint, you just have to manually enter in your transactions.[3]

      Uniqueness 8/10

      I’m not giving Mint a perfect score, because I think there are plenty of ways to budget, be it an Excel spreadsheet, paper and pen or an app, but I did rate it high because it’s one of the most convenient out there.

      Price 10/10

      Mint is free, and I love that. It truly gives you no excuse to not save money!

      Usability 7/10

      I’m giving this a 7 because even though I use this app regularly, I do find that sometimes it gets a little hung up. One of the nicest features is being able to see your money flow in real-time, but occasionally I have to refresh a handful of times before it’s actually current. It’s not a big deal, but it is a little annoying.

      Appearance 7/10

      Mint’s website is great. It probably would’ve gotten a 10, but the app is set up just a little differently, and it’s enough to knock the score down.

      Prosper Daily

        This app is also known as BillGuard, and it’s not only helpful for saving and spending, but also for making sure you are the only one with access to your hard-earned money. Like the other apps, you can track all your accounts in one place and see what you’re spending, but Prosper Daily also allows you to quickly identify fraudulent charges. You can also check your credit score as often as you like, but please note that free credit scores are not always accurate. They do tend to be in the ballpark though, so they are helpful for getting an idea of where you are and measuring success.

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        Uniqueness 9/10

        While this app isn’t especially unique overall, I scored it high because I love the fact that it flags suspicious activity. This can be more helpful than hoping your credit or debit card company catches something. Awareness is key!

        Price 10/10

        This is yet another free app, so it gets a perfect score from me.

        Usability 9/10

        Easy to understand and simple enough to use.

        Appearance 9/10

        Nice, clean graphics and helpful charts.

        Ibotta

          I’m obsessed with this app. Seriously.

          For a while, my friends probably thought I was being paid to advertise for this company, because I could not stop talking about it! Ibotta is a rebate app for groceries.[4] Some of the cash back amounts are small (think $0.25), and some are upwards of $5.00. To date, I’ve made over $100 on the groceries I needed to buy anyway! If you use code edbmoql when you log in, you’ll get $10 right away! Not a terrible bribe, huh?

          Uniqueness 10/10

          While there are a handful of grocery rebate apps (and yes, I have about all of them) Ibotta remains the most unique to me because it offers so much. Not only can you earn cash by getting groceries, but you can also get rebates at certain restaurants and retailers.

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          Price 10/10

          This one deserves beyond a perfect score. I mean, you’re paid to download it!!!

          Usability 10/10

          Some rebate apps/sites send a check via snail mail. While I’m always happy to receive money, I hate to wait for it! Ibotta let’s you send the money straight to Venom or Paypal once you reach $20.

          Appearance 10/10

          Easy to see, understand and use. Perfect score from me.

          Walmart Savings Catcher

            This app is great if you buy all of your groceries and household items at Walmart, because the savings will add up quickly. This isn’t a coupon app, but almost a rebate app! It works like this: scan the barcode of your Walmart receipt in the app and watch your earnings begin. It’s that easy. If the app finds any of the items you purchased at a better price, they pay you the difference on a Walmart gift card. Plus, the savings catcher is built into the regular Walmart app, meaning you can also reorder prescriptions, order online and check out sales.

            Uniqueness 10/10

            I think it’s very unique that Walmart did this, as it really shows how much they wanted to keep their customers. They already price-match, but this app goes a step further by making sure you, as the customer, really did pay as little as possible for the items you needed.

            Price 10/10

            Free app = perfect score.

            Usability 7/10

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            I’m only giving this a 7 because you have to remember to scan your receipt every time. I know it’s like this with any rebate/savings app, but for some reason this app is the hardest for me to remember to use.

            Appearance 8/10

            This app is nice enough to look at, and it serves its purpose.

            Cartwheel

              Last, but certainly not least, is the app for Walmart’s competitor, Target. The Cartwheel app also allow you to browse and shop through the Target site, but I love it for it’s coupons! While I have been known to clip and print coupons in the past, if I’m going to Target, all I need is my smartphone. Cartwheel allows you to “clip” coupons (ranging from dollar amounts to percentages) by selecting them. They are all added to your personalized barcode which is scanned by the cashier at checkout. There is something so satisfying about watching your total drop after the beep of that scanner gun!

              Uniqueness 9/10

              I don’t know that coupons in an app are especially unique, but I rated Cartwheel high because I love how it’s done. While you don’t get cash back, you do get so see how much you’ve saved.

              Price 10/10

              Cartwheel costs $0.00.

              Usability 10/10

              This app is so easy to navigate and use. The only issue I’ve ever had was if I lost signal in the store. I especially love the option to scan the item’s barcode in the store to instantly check if it’s on sale!

              Appearance 10/10

              Clean and simple to understand, view and read.

              Reference

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              Heather Poole

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              Last Updated on January 13, 2020

              50 Motivational Quotes for Work to Inspire Success

              50 Motivational Quotes for Work to Inspire Success

              Let’s face it – no matter how excited you are about a new project or priority in your life, there will always be days when your motivation lags. Days when – despite all the progress you’ve made in the past – it just sounds easier to sit on the couch playing video games than to buckle down and crank out the work needed to meet your goals.

              In order to be successful, you must be able to motivate yourself past these humps. Whenever you feel your drive and determination lagging, turn to these motivational quotes for work to provide the extra spark of passion needed to keep you on track.

              Quotes about Goal Setting

              Whether you’re still in the planning phases of your business or whether you’re plotting a plan of attack to bring about your long-range vision, setting good goals is a critical part of succeeding in business.

              Check out these quotes for extra inspiration on how to turn your dreams into reality:

              quote-Benjamin-E.-Mays-the-tragedy-in-life-doesnt-lie-in-106113

                “The tragedy in life doesn’t lie in not reaching your goal. The tragedy lies in having no goal to reach.”– Benjamin Mays


                “By recording your dreams and goals on paper, you set in motion the process of becoming the person you most want to be. Put your future in good hands — your own.”–Mark Victor Hansen


                “Give yourself an even greater challenge than the one you are trying to master and you will develop the powers necessary to overcome the original difficulty.”–William J. Bennett – The Book of Virtues


                “The entrepreneur is essentially a visualizer and actualizer… He can visualize something, and when he visualizes it he sees exactly how to make it happen.”–Robert L. Schwartz

                Quotes about Achieving Excellence in Work

                Once you’ve got your goals together, you’ll need to put in 110% of your effort in order to transform these visions into reality. To increase your motivation to work at a consistently high level, take a look at the following words of wisdom:

                “Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but we rather have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit.”–Aristotle


                “If you are going to achieve excellence in big things, you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude.”–Charles R. Swindoll

                Desire is the key to motivation

                  “Desire is the key to motivation, but it’s determination and commitment to an unrelenting pursuit of your goal — a commitment to excellence — that will enable you to attain the success you seek.”–Mario Andretti


                  “The secret of joy in work is contained in one word – excellence. To know how to do something well is to enjoy it.”–Pearl Buck


                  “The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavor.”–Vince Lombardi

                  Quotes about Determination and Persistence

                  Since every business or other endeavor is bound to hit some rough patches, it’s often a person’s level of determination and patience that brings about either success or failure. These positive quotes give you an extra boost of encouragement:

                  “Enter every activity without giving mental recognition to the possibility of defeat. Concentrate on your strengths, instead of your weaknesses… on your powers, instead of your problems.”–Paul J. Meyer


                  “Knowing trees, I understand the meaning of patience. Knowing grass, I can appreciate persistence.”–Hal Borland


                  “Nothing in the world can take the place of Persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan ‘Press On’ has solved and always will solve the problems of the human race.”–Calvin Coolidge

                  quote-Thomas-Fuller-an-invincible-determination-can-accomplish-almost-anything-92190

                    “An invincible determination can accomplish almost anything and in this lies the great distinction between great men and little men.”–Thomas Fuller

                    Quotes about Leadership

                    Whether you use it to engage your employees, to encourage teamwork or motivate others to follow your unique way of thinking, leadership is crucial. Take your leadership cues from these renowned leaders’ famous sayings:

                    “The most dangerous leadership myth is that leaders are born — that there is a genetic factor to leadership. This myth asserts that people simply either have certain charismatic qualities or not. That’s nonsense; in fact, the opposite is true. Leaders are made rather than born.” –Warren G. Bennis


                    “All of the great leaders have had one characteristic in common: it was the willingness to confront unequivocally the major anxiety of their people in their time. This, and not much else, is the essence of leadership.”–John Kenneth Galbraith

                    Leadership is not magnetic personality

                      “Leadership is not magnetic personality — that can just as well be a glib tongue. It is not ‘making friends and influencing people’ — that is flattery. Leadership is lifting a person’s vision to high sights, the raising of a person’s performance to a higher standard, the building of a personality beyond its normal limitations.”–Peter F. Drucker


                      “The task of leadership is not to put greatness into people, but to elicit it, for the greatness is there already.”–John Buchan


                      “High sentiments always win in the end. The leaders who offer blood, toil, tears and sweat always get more out of their followers than those who offer safety and a good time. When it comes to the pinch, human beings are heroic.”–George Orwell

                      Quotes for Success

                      Think of success as a holistic process – one which results from the combination of goal-setting, excellence, patience, determination and leadership you prioritize throughout your career. These highly successful people provide you with an excellent source of motivation:

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                      “Be patient with yourself. Self-growth is tender; it’s holy ground. There’s no greater investment.”–Stephen Covey


                      “Believe in yourself! Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy.”–Norman Vincent Peale

                      Success is the ability to go from one failure to another with no loss of enthusiasm.

                        “Success consists of going from failure to failure without loss of enthusiasm.”–Winston Churchill


                        “Successful and unsuccessful people do not vary greatly in their abilities. They vary in their desires to reach their potential.”–John Maxwell


                        “Would you like me to give you a formula for success? It’s quite simple, really. Double your rate of failure. You are thinking of failure as the enemy of success. But it isn’t at all. You can be discouraged by failure or you can learn from it, So go ahead and make mistakes. Make all you can. Because remember that’s where you will find success.”– Thomas J. Watson


                        “The great successful men of the world have used their imagination.  They think ahead and create their mental picture in all its details, filling in here, adding a little there, altering this a bit and that a bit, but steadily building – steadily building.”–Robert Collier


                        “It is a paradoxical but profoundly true and important principle of life that the most likely way to reach a goal is to be aiming not at that goal itself but at some more ambitious goal beyond it.”–Arnold Toynbee

                        Sports Quotes for Athletes

                        You don’t need to be a Michael Jordan-caliber athlete to draw inspiration from the following quotes. Even if you’re just a recreational player or someone who’s using sports as a means to get back in shape after long periods of inactivity, the following motivational sports quotes will encourage you:

                        “My attitude is that if you push me towards something that you think is a weakness, then I will turn that perceived weakness into a strength.”–Michael Jordan


                        “Pain is temporary. It may last a minute, or an hour, or a day, or a year, but eventually it will subside and something else will take its place. If I quit, however, it lasts forever.”–Lance Armstrong

                        Strength does not come from winning. Your struggles develop your strengths.

                          “Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.”–Arnold Schwarzenegger


                          “I know what I have to do, and I’m going to do whatever it takes. If I do it, I’ll come out a winner, and it doesn’t matter what anyone else does.”–Florence Griffith Joyner


                          “Every time you stay out late; every time you sleep in; every time you miss a workout; every time you don’t give 100% – You make it that much easier for me to beat you.”–Unknown


                          “If you are hurt, whether in mind or body, don’t nurse your bruises. Get up and light-heartedly, courageously, good temperedly get ready for the next encounter. This is the only way to take life – this is also ‘playing’ the game!”–Emily Post


                          “We must train from the inside out. Using our strengths to attack and nullify any weaknesses. It’s not about denying a weakness may exist but about denying its right to persist.”–Vince McConnell

                          Quotes to Motivate Learning

                          Committing yourself to pursuing knowledge in a single area is a tremendous endeavor – one that often seems overwhelming given the depth and breadth of information that’s available today. Keep the following motivational quotes in mind if you’re learning:

                          “How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and the strong. Because someday in life you will have been all of these.”–George Washington Carver

                          quote-William-Arthur-Ward-if-you-can-imagine-it-you-can-36189

                            “If you can imagine it, you can achieve it; if you can dream it, you can become it.”–William Arthur Ward


                            “It is the mark of an educated mind to be able to entertain a thought without accepting it.”– Aristotle


                            “Success is not the key to happiness.Happiness is the key to success.If you love what you are doing, you will be successful.”–Albert Schweitzer


                            “Wear your learning, like your watch, in a private pocket: and do not pull it out and strike it, merely to show that you have one.”–Philip Stanhope, 4th Earl of Chesterfield


                            “He who asks is a fool for five minutes, but he who does not ask remains a fool forever.”–Chinese Proverb


                            “Study while others are sleeping; work while others are loafing; prepare while others are playing; and dream while others are wishing.”–William Arthur Ward


                            “Books can be dangerous. The best ones should be labeled ‘This could change your life’.”–Helen Exley


                            “A book is like a garden carried in the pocket.”–Chinese Proverb

                            All-Time Favorite Positive Quotes

                            Finally, whatever your goals are in life, you can’t go wrong by taking the advice of the following famous motivational quotes:

                            “Change your thoughts and you change your world.”–Norman Vincent Peale


                            “Your time is limited, don’t waste it living someone else’s life. Don’t be trapped by dogma, which is living the result of other people’s thinking. Don’t let the noise of other’s opinion drowned your own inner voice. And most important, have the courage to follow your heart and intuition, they somehow already know what you truly want to become. Everything else is secondary.”–Steve Jobs


                            “Nobody can go back and start a new beginning, but anyone can start today and make a new ending.”–Maria Robinson


                            “Out of clutter, find Simplicity. From discord, find Harmony. In the middle of difficulty lies Opportunity.”–Albert Einstein


                            “Yesterday is not ours to recover, but tomorrow is ours to win or lose.”–Lyndon Johnson

                            If we did all the things we are capable of, we would literally astound ourselves.

                              “If we did all the things we are capable of, we would astound ourselves.”–Thomas Edison


                              “You miss 100% of the shots you don’t take.”–Wayne Gretzky


                              “Success is not final, failure is not fatal: it is the courage to continue that counts.”–Winston Churchill


                              “What lies behind us and what lies before us are tiny matters compared to what lies within us.”–Ralph Waldo Emerson

                              Final Thoughts

                              To use these motivational quotes effectively, find the one that speaks to you. Although all of the phrases listed above can be considered “motivational,” only you can decide which one resonates with you most directly.

                              Next, take the quote you’ve settled on and copy it onto small index cards or other pieces of paper that can be stored around your home and workspace.

                              If you’re creative, you can create inspiration boards, signs or other decorative displays featuring your favorite motivational quotes – really, though, the most important thing is that your chosen phrase be accessible in a variety of different places. This will make it easy to access and review whenever you feel your motivation slipping away.

                              More Inspiring Quotes

                              Featured photo credit: Kyle Glenn via unsplash.com

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