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20 Smart Online Shopping Apps To Save You Big Bucks

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20 Smart Online Shopping Apps To Save You Big Bucks

I love the fact that I can get basically everything I need with just a few clicks. However, my credit card statement often left me devastated with the amount of extra costs and fees adding up for nothing. That was until I discovered the 20 nifty online shopping apps allowing me to save (or even earn!) a few dollars here and there.  Allowing you to spend less when shopping more!

1. Revolut

Revoult

    A new hot app to be launched in a few weeks, Revolut, is a true savior for those who love shopping internationally. The app offers you a personal money cloud with a multi-currency card accepted anywhere. It works as a local card in each country and saves you on currency exchange. You can take advantage of interbank exchange rate and even send currencies for free through social networks with just a few clicks. Yet, the best thing is, there are no hidden banking costs involved!

    2. TheFind

    TheFind

      Create a personalized shopping hub with TheFind where you can save all of your favorite stores and brands and receive alerts once your favorite products go discounted.

      iOS (free) and Android (free)

      3. CoSign

      cosign-app-600x480

        Another hot new app on the list to watch out for in 2015! CoSign will let you share your awesome looks online, tag products you wear and get commissioned each time some of your followers click on it and make purchases. Commissions are expected to range from 5% to 30% with brands like Forever 21, Bliss, Macy’s and much more who have already confirmed their participation.

        Sign in to get notified when it will premiere in the App Store.

        4. Swagbucks TV

        screen568x568

          Works in conjunction with your Swagbucks account – a service offering special deals and perks for taking online surveys and buying products through its toolbar or website directly. Get this app installed on your phone, watch videos from different channels such as VEVO or Hulu and see how your SwagBucks meter fills up. You can earn up to 150 Swagbucks a day to exchange them for gift cards or special discounts. How awesome is that?

          iOS (free) and Android (free)   

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          5. Retail Me Not App

          retailmenot_ios

            The biggest and baddest pool of coupons and special discounts from top merchants, both online and offline. Get the Retail Me Not app for instant access to a selected list of stores you’ve been following.

            iOS (free) and Android (free)

            6. Pricegrabber

            PriceGrabber

              A handy app to help you find the best retailer’s deal. Pricegrabber pulls out the whole range of prices for a searched item to run a price comparison search among all merchants online. Alternatively, you can scan the barcode of the desired product and check how much it costs online – including a “Bottom Line Price” with taxes and shipping costs taken into account.

              iOS (free) and Android (free)

              7. Ebates

              ebates-iOS7-proposed_header_cells

                Get paid with Ebates app each time you purchase anything online from one of the participating retailers, plus receive a bunch of coupons and special deals available to members only! Launched in 1998, Ebates is still one of the most trustworthy cash back services on the Internet.

                iOS (free) and Android (free)

                8. ShopSavvy

                shopsavvy

                  ShopSavvy app comes in handy when shopping both online and offline. Get a product barcode or QR code scanned to receive a full pool of prices available in different online and local stores. The app also generates a map of the closest stores with best pricing. Plus, you can save the deals you’ve found online to purchase later.

                  iOS (free) and Android (free)

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                  9. Bestie Shopping

                  bestie-650

                    A Pinterest-styled social network for shoppers, Bestie lets you create and follow feeds from people with tastes similar to yours, like and comment on the products they share, read descriptions and reviews of those goods that matter to you and your network only. Also, Bestie offers special promo codes from selected merchants.

                    iOS (free) and Android (free)

                    10. Google Shopping

                    2 phones together

                      Google Shopping lets you search over a million products available around the web and filter them by prices, reviews or any other special characteristics. Launch search by typing, a voice command, scanning the barcode or even uploading cover art.

                      iOS (free) and Android (free)

                      11. Shop Advisor

                      Shop-Advisor-App1

                        Avoid impulse shopping by adding and organizing all the products you want at Shop Advisor. The app will send you a notification whenever the ‘price is right’.

                        iOS (free) and Android (free)

                        12. ShopKick

                        Shopkick_post

                          An excellent app for redeeming products! Get special rewards (kicks) for browsing ShopKick catalogs or doing paid surveys to later exchange those for gift cards or buy discounted goodies.

                          iOS (free) and Android (free)

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                          13. Raise Mobile

                          raise-mobile-merchant-page-2994424172c424fd538fcd62394e6d02

                            Raise Mobile app allows you to purchase highly discounted gift cards from online merchants. Arguably, the best app to use for when you need buy a last minute gift.

                            iOS (free)

                            14. Myibidder Bid Sniper for eBay

                            Ebay

                              Hate getting outbid at the last seconds of eBay auction? I know I do! Myibidder gets your chances higher for winning the auction, by placing a bid for you as the last seconds count down. There’s no need to hawk over the desired product for days!

                              iOS (1.99$) and Android (free with in app purchases)

                              15. SavedPlus

                              17xk5azl2r83sjpg

                                Spending less is great, but saving is even more awesome! With SavedPlus app you can stash money while you surf the web. Simply link all your credit card and debit information into your account, then you determine how much you want to save with every purchase you make. For example, each time you shop, put away $5 right into your savings account. The service reports that their users manage to save $600 monthly on average!

                                iOS (free) and Android (free)

                                16. Wallaby

                                Wallaby-financial.png

                                  Do you take advantage of cards offering cash backs and smart reward programs? Now with Wallaby you can double your benefits by having the app tell you which card to use for online shopping by analyzing all the nuts-and-bolts of all of your reward programs. Also, you can set up notifications for when you’re getting close to your credit limit or it’s time to pay the bills.

                                  iOS (free) and Android (free)

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                                  17. BillGuard

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                                    An excellent analytics tool, BillGuard allows you to check up your balances and recurring payments for all of your cards on the go. The app also provides your spending analytics, protects your cards from frauds and what’s even better, shows you all the “grey charges” that you may not be aware of!

                                    iOS (free) and Android (free)

                                    18. Redeemia

                                    redeema

                                      Redeemia saves you a huge load of time by aggregating the best money saving deals and discounts from Groupon, Living Social and other coupon sites according to your location and preferences.

                                      iOS (free) and Android (free)

                                      19. Trivago

                                      trivago-app

                                        An excellent app for frequent travelers, Trivago does all the boring work of price comparison for hotel room prices across numerous hotel booking websites, letting you know where you will get the best deal!

                                        iOS (free) and Android (free)

                                        20. Poachit

                                        poachit-brandappo-blog

                                          Poachit promises to enhance your shopping experience by providing you with the product you want for the price you love! Sign in to the app and flag all of the items you would like to purchase. Once the item goes on sale or a coupon becomes available, you will receive instant texts to grab it while it’s hot.

                                          iOS (free) and Android (free)

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                                          Elena Prokopets

                                          Elena is a passionate blogger who shares about lifestyle tips on Lifehack.

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                                          Last Updated on July 20, 2021

                                          Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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                                          Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

                                          Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

                                          Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

                                          Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

                                          In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

                                          Break Free of Your Finances

                                          Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

                                          When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

                                          Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

                                          Though it seems hard to believe, it is really very simple to get financial freedom.

                                          To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

                                          While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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                                          Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

                                          1. Stop Unnecessary Spending

                                          We often spend money inwardly, instead of objectively.

                                          For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

                                          To stop this habitual spending, log down all your spending over the course of a month.

                                          Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

                                          This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

                                          2. Plan a Monthly Budget

                                          This is a great opportunity to get serious.

                                          Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

                                          Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

                                          3. Cut-up Credit Cards

                                          Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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                                          If not, you may want to consider ridding your life of the burden that credit cards bring.

                                          Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

                                          Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

                                          4. Increase Savings

                                          There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

                                          It’s good practice to save up to 15% of your income.

                                          Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

                                          Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

                                          5. Invest Wisely

                                          Consider investing in funds.

                                          Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

                                          To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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                                          Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

                                          6. Invest in Gold

                                          There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

                                          You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

                                          Another way to invest in gold is through ETFs (Exchange Traded Funds).

                                          These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

                                          With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

                                          7. Stash Emergency Funds

                                          Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

                                          If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

                                          Make it hard to get your cash.

                                          Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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                                          8. Find Fabulous Mentors

                                          Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

                                          If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

                                          There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

                                          9. Be Extra Patient

                                          Patience is the key of financial success.

                                          Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

                                          So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

                                          Financial Freedom for All

                                          Anyone can achieve financial freedom, regardless of their financial circumstance.

                                          Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

                                          Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

                                          Featured photo credit: rawpixel via unsplash.com

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                                          Reference

                                          [1] Hartford Gold Group: IRA Retirement Accounts

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