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

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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.

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              Reference

              More by this author

              Heather Poole

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              Last Updated on September 9, 2021

              10 Best Productivity Planners To Get More Done in 2021

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              10 Best Productivity Planners To Get More Done in 2021

              Productivity planners and journals are tools of a trade. There’s an art to productivity. Just like art is very personal to the artist, productivity is very personal to the person. What works for you may not work for me. This is an important distinction if you really want get more done in less time.

              Too many of us dabble in productivity hacks only to move on to the next tool or trend when it didn’t workout for us, missing the lesson of what worked and didn’t work about that tool or trend.

              We put the tool on a pedestal and miss the art. It’s worshipping the paint brush rather than the process and act of painting. We miss the art of our own productivity when the tool overshadows the treasure.

              As an artist, you have many brushes to choose from. You’re looking for a brush that feels best in your hand. You want a brush that doesn’t distract you from your art but partners with you to create the many things you see in your mind to create. Finding a brush like this may take some experimenting, but when you understand that the role of the brush is to bring life to your vision, it’s easier to find the right brush.

              Planners are the same way. You want a productivity journal that supports you in the creation of your vision, not one that bogs you down or steals your energy.

              Let’s dive into the 10 best productivity planners and journals to help you get more done in less time.

              1. The One Thing Planner

              The NY Times best selling book, The One Thing, just released their new planner. If you loved this book, you’ll love this planner.

              As the founder of the world’s largest real estate company Keller Williams Realty, Gary Keller, has mastered the art of focus. The One Thing planner has its roots in industry changing productivity. If you’re out to put a dent in the universe, this may be the planner for you.

              Get the planner here!

              2. The Full Life Planner

              The Full Life Planner is Lifehacks’ ultimate planning system to get results across all your core life aspects including work, health and relationships. This smart planner is 15 years of Lifehack’s best practices and proven success formulas by top performers.

              With the Full Life Planner, you can align your actions to long term milestones every day, week, and month consistently. This will help you to get more done and achieve your goals.

              Get the planner here!

              3. The Freedom Journal

              Creator of one of the most prolific podcasts ever, Entrepreneur on Fire, John Lee Dumas released his productivity journal in 2016. This hard-cover journal focuses on accomplishing SMART goals in 100 days.

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              From their site:

              “The Freedom Journal is an accountability partner that won’t let you fail. John Lee Dumas has interviewed over 2000 successful Entrepreneurs and has created a unique step-by-step process that will guide you in SETTING and ACCOMPLISHING your #1 goal in 100 days.”

              Get the planner here!

              4. Full Focus Planner

              Michael Hyatt, author of Platform and host of the podcast “This is Your Life”, also has his own planner called the Full Focus Planner.

              From the site:

              “Built for a 90-day achievement cycle, the Full Focus Planner® gives you a quarter of a year’s content so you aren’t overwhelmed by planning (and tracking) 12 months at a time.”

              This productivity planner includes a place for annual goals, a monthly calendar, quarterly planning, the ideal week, daily pages, a place for rituals, weekly preview and quarterly previews. It also comes with a Quickstart lessons to help you master the use of the planner.

              Get the planner here!

              5. Passion Planner

              They call themselves the #pashfam and think of their planner as a “paper life coach”. Their formats include dated, academic and undated in hardbound journals with assorted colors. With over 600,000 users they have a track record for effective planners.

              From the site:

              “An appointment calendar, goal setting guide, journal, sketchbook, gratitude log & personal and work to-do lists all in one notebook.”

              They have a get-one give-one program. For every Passion Planner that is bought they will donate one to a student or someone in need.

              They also provide free PDF downloads of their planners. This is a great way to test drive if their planner is right for you.

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              Get the planner here!

              6. Desire Map Planners

              If you’re looking for a more spiritually oriented planner, Danielle LaPorte, author of The Desire Map, created the Desire Map Planners. With Daily planners, Weekly planners and Undated planners you can find the right fit for you.

              Behind this planner is the Desire Map Planner Program including 3 workbooks that not only support you in using the planners but guide you in your thought process about your life and intentions you’re using the planner to help you fulfill.

              Get the planner here!

              7. Franklin Covey Planners

              The grandfather of all planners, Franklin Covey, has the most options when it comes to layouts, binders, and accessories. With over 30 years in the productivity planner business, they not only provide a ton of planner layouts, they also have been teaching productivity and planning from the beginning.

              From the site:

              “Achieve what matters most with innovative, high quality planners and binders tailored to your personal style. Our paper planning system guides you to identify values, create successful habits, and track and achieve your goals.”

              Get the planner here!

              8. Productivity Planner

              From the makers of the best selling journal backed by Tim Ferriss, “The Five Minute Journal”, comes the Productivity Planner.

              Combining the Ivy Lee method which made Charles Schwab millions with the Pomodoro Technique to stay focused in the moment, the Productivity Planner is both intelligent and effective.

              It allows for six months of planning, 5-day daily pages, weekly planning and weekly review, a prioritized task list, Pomodoro time tracking, and extra space for notes.

              From the site:

              “Do you often find yourself busy, while more important tasks get procrastinated on? The Productivity Planner helps you prioritize and accomplish the vital few tasks that make your day satisfying. Quality over quantity. Combined with the Pomodoro Technique to help you avoid distractions, the Productivity Planner assists you to get better work done in less time.”

              Get the planner here!

              9. Self Journal

              Endorsed by Daymond John of Shark Tank, the Self Journal takes a 13 week approach and combines Monthly, Weekly and Daily planning to help you stay focused on the things that really matter.

              Self Journal includes additional tools to help you produce with their Weekly Action Pad, Project Action Pad, the Sidekick pocket journal to capture your ideas on the go and their SmartMarks bookmarks that act as a notepad while you’re reading.

              Get the planner here!

              10. Google Calendar

              You may already use Google Calendar for appointments, but with a couple tweaks you can use it as a productivity planner.

              Productivity assumes we have time to do the work we intend to do. So blocking time on your Google Calendar and designating it as “busy” will prevent others from filling up those spaces on your calendar. Actually using those blocks of time as you intended is up to you.

              If you use a booking tool like Schedule Once or Calendly, you can integrate it with your Google Calendar. For maximum productivity and rhythm, I recommend creating a consistent “available” block of time each day for these kinds of appointments.

              Google Calendar is free, web based and to the point. If you’re a bottom line person and easily hold your priorities in your head, this may be a good solution for you.

              Get the planner here!

              Bonus Advice: Integrate the 4 Building Blocks of Productivity

              Just as important to productivity planners as the tool are the principles that we create inside of. There are 4 building blocks of productivity, that when embraced, accelerate your energy and results.

              The four building blocks of productivity are desire, strategy, focus and rhythm. When you get these right, having a productivity planner or journal provides the structure to keep you on track.

              Block #1: Desire

              Somehow in the pursuit of all our goals, we accumulate ideas and To-Do’s we’re not actually passionate about and don’t really want to pursue. They sneak their way in and steal our focus from the things that really matter.

              Underneath powerful productivity is desire. Not many little desires, but the overarching mother of desires. The desire you feel in your gut, the desire that comes from your soul, not your logic, is what you need to tap into if you want to level up your productivity.

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              A productivity planner is just a distraction if you’re not clear on what it’s all for. With desire, however, your productivity planner provides the guide rails to accomplish your intentions.

              Block #2: Strategy

              Once you’re clear on your overarching desire, you need to organize your steps to get there. Let’s call this “strategy”. Strategy is like assembling a jigsaw puzzle. You must first turn over all the pieces to see patterns, colors, connections and find borders.

              In business and life, we often start trying to put our “puzzle” together without turning over all the pieces. We put many items on our To-Do lists and clog our planners with things that aren’t important to the bigger picture of our puzzle.

              Strategy is about taking the time to brain dump all the things in your head related to your goal and then looking for patterns and priorities. As you turn over these puzzle pieces, you’ll begin to see the more important tasks that take care of the less important tasks or make the less important tasks irrelevant.

              In the best selling book, The One Thing, the focusing question they teach is:

              “What’s the One thing I can do, such that by doing it, everything else is easier or unnecessary?”

              This is the heart of strategy and organizing what hits your planner and what doesn’t.

              Block #3: Focus

              With your priorities identified, now you can focus on the One Thing that makes everything else easier or unnecessary. This is where your productivity planners and journals help you hold the line.

              Because you’ve already turned over the puzzle pieces, you aren’t distracted by new shiny objects. If new ideas come along, and they will, you will better see how and where they fit in the big picture of your desire and strategy, allowing you to go back and focus on your One Thing.

              Block #4: Rhythm

              The final building block of productivity is rhythm. There is a rhythm in life and work that works best for you. When you find this rhythm, time stands still, productivity is easy and your experience of work is joyful.

              Some call this flow. As you hone your self-awareness about your ideal rhythm you will find yourself riding flow more often and owning your productivity.

              Without these four building blocks of productivity, you’re like a painter with a paintbrush and no idea how to use it to create what’s in your heart to create. But harness these four building blocks and find yourself getting more done in less time.

              The Bottom Line

              Your life is your art. Everyday you have a chance to create something amazing. By understanding and using the four building blocks of productivity, you will set yourself up for success no matter which planner, or “paintbrush”, you choose to use.

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              As you experiment with different planners you will narrow which one is best for you and accelerate your path to putting a dent in the universe.

              More Tools to Boost Your Productivity

              Featured photo credit: Anete Lūsiņa via unsplash.com

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