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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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              Published on October 14, 2019

              10 Organizational Skills Training Techniques for the Overwhelmed

              10 Organizational Skills Training Techniques for the Overwhelmed

              Do you constantly feel overwhelmed by the amount of tasks you have to complete at work? If so, then it may be time to look into some organizational skills training techniques.

              Organizational skills are an asset. They allow you to add structure to your day so that you meet deadlines, attend every meeting, and even have enough time to take your breaks (imagine that!). As transferable skills, they can also add value to your personal life.

              So, if being organized and able to perform at your very best at work, even when you’re inundated with duties, sounds appealing to you, then read on.

              Why You Need Organizational Skills Training

              According to the Cambridge Dictionary, organizational skills refers to:[1]

              “the ability to use your time, energy, resources, etc. in an effective way so that you achieve the things you want to achieve.”

              When you’re feeling overwhelmed at work (or anywhere really) achieving anything seems impossible. This is why organizational skills training is crucial. The skills you learn can help you to overcome the feeling of defeat so you can take command of your tasks again.

              The Benefits of Organizational Skills

              Having organizational skills allow you to not only be more organized, but to also be more productive and more effective. You’ll have greater control of your tasks and be able to accomplish more things. It can also reduce stress-levels, and experiencing less stress means leading a healthier lifestyle.

              Examples of organizational skills include:

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              As previously mentioned, while a major benefit for the workplace, they are also valuable in your personal life.

              Think about it, our personal lives are also filled with many tasks and activities. Whether it’s going to the bank or buy groceries, or doing household duties such as vacuuming or taking out the trash, each responsibility is basically a task that needs to be completed in order for our home lives to run as smoothly as possible.

              How to Learn Organizational Skills

              Many businesses and organizations provide organizational skills training, whether it’s a workshop, company presentation, online training course, or an all-out conference. Attending these events is a great start to learning organizational skills. Then, of course, you can set your own goals.

              For most people, organizational skills don’t come naturally. However, fortunately, just like any other skill, they’re learnable. Once you acquire an understanding of a skill, the more you practice it, the better you’ll get at it.

              If you’re completely new to all of this, your best bet is to start small. Set yourself one goal, select one thing you’d like to improve on, and repeat it regularly until it becomes a habit. Once you’re confident in maintaining the habit, you can add to your goal or expand on it.

              Starting small and gradually adding as you progress is a good course of action, as it can ensure that you actually achieve what you set out to accomplish. If you dive straight into the deep end, you risk being even more overwhelmed than before and may fail to meet expectations completely.

              Surrounding yourself with people that have particular behaviors is another way to learn organizational skills. Having a super organized team leader, manager, or head of business can greatly influence your own actions and behavior.

              10 Organizational Skills Training Techniques

              If you’ve noticed yourself feeling overwhelmed and stressed at work recently, then perhaps you could try out one of the following organizational skills training techniques. They could help you to get back control, focus on your tasks, and reduce stress-levels.

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              1. Make a List

              If you’re feeling swamped with tasks, creating a to-do list is great for taking back control of the things you need to do.

              By writing down your tasks in order of importance (make sure you prioritize your list!), you’ll have a visualization of what needs to get done.

              You’ll also get to experience the feeling of great relief when you get to cross a task off your to-do list when it’s completed!

              2. Don’t Rely on Your Memory

              Even if you have superhuman memory, it’s always a good idea to write everything down.

              From project deadlines, to customer details, to product prices, writing things down can serve as a reminder so you don’t forget the important things when you’re feeling overwhelmed.

              And with most of us carrying around smartphones, you’re never far from a tool where you can write something down.

              3. Schedule

              A huge part of being organized is knowing how to plan, and expert planning involves a lot of scheduling.

              Scheduling is taking a step further than creating a to-do list. Not only do you have the things you need to do recorded, but you have a timetable when you should complete them. This helps you to develop your time management skills as you’re expected to coordinate tasks and activities so that deadlines are met and everything is done on time.

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              4. Learn to Delegate

              Learning to delegate tasks is a valuable skill that will help to keep you organized. Not only will it lighten your workload, but it will sharpen your planning and prioritization skills as you will have to learn which tasks should be done by you and which tasks are okay to be given to someone else.

              5. Avoid Multitasking

              While the idea of attempting to do more than one task simultaneously may seem brilliant, in practice, it’s the complete opposite. Multitasking is known to actually lower your productivity as it diminishes your focus and attention and things become more difficult and take longer to complete.

              6. Minimize Interruptions

              It’s impossible to control every aspect of your environment but it doesn’t hurt to try. By minimizing interruptions while you’re at work, it gives you a better chance of completing them as effectively and efficiently as possible.

              Investing in noise-cancelling headphones or installing a social media block on your desktop are examples of ways you could reduce distractions.

              7. Reduce Clutter

              A notable organizational skills training technique is to create a filing system for your documents. Whether it’s at work or at home, we all accumulate documents that we may not currently need but are too afraid to throw away in case we will need it in the future.

              Having an organized system can allow you to locate necessary documents any time you need them. It also keeps them safeguarded which reduces the chance of losing something important. This filing system applies to both actual paperwork and digital documents.

              8. Organize Your Workspace

              Where we work greatly influences how we work. If you have a cluttered and messy workspace, then the chances of you working in an unorganized fashion can be very high.

              Keeping an organized workspace ensures that you’re able to perform at your most productive. You won’t waste time looking for things that have been misplaced and working in a clutter-free environment can be soothing for your mind.

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              9. Get Rid of What You Don’t Need

              Clutter is known to lead to stress and anxiety.[2] If you’re already feeling overwhelmed, then the sight of clutter can increase that feeling.

              Getting rid of things you no longer need clears out your environment and, hopefully, your mind as well.

              Done with that sticky-note? Throw it away! Inbox is filled to the brim with unread emails? Unsubscribe to newsletters you no longer read! Whatever you no longer require in your physical and digital life, get rid of it.

              Here’s a guide to help you declutter: How to Declutter Your Life and Reduce Stress (The Ultimate Guide)

              10. Tidy up Regularly

              While working, it can get easy for your desk to get untidy. You’re focused on work and so keeping everything at your desk in order is probably a lower priority. But it’s something to be conscious of. Doing a regular tidy up can ensure the mess on your desk doesn’t go overboard.

              Whether it’s a quick clean up every day, or a deep clean every month. Being aware of tidying up and fitting it into your routine will help keep you organized and less stressed.

              The Bottom Line

              Possessing organizational skills enables you to get back control of your tasks when you’re feeling overwhelmed and perform better at work. They can make you more productive, more efficient, and of course, more organized.

              Remember, they’re not only valuable at work! Because of their transferability, they can be beneficial in other areas of your life. And really, it doesn’t hurt to be organized at home and socially, as well as at work.

              Featured photo credit: Jeff Sheldon via unsplash.com

              Reference

              [1] Cambridge Dictionary: Organizational Skills
              [2] Psychology Today: Why Mess Causes Stress: 8 Reasons, 8 Remedies

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