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20 Smart Online Shopping Apps To Save You Big Bucks

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

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                                          Last Updated on January 2, 2019

                                          How Personal Finance Software Helps You Get More Out of Your Money

                                          How Personal Finance Software Helps You Get More Out of Your Money

                                          Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

                                          Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

                                          Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

                                          This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

                                          Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

                                          What Exactly is Personal Finance Software?

                                          Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

                                          When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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                                          How It Leads to Financial Improvement

                                          It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

                                          Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

                                          Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

                                          It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

                                          Types of Personal Finance Software

                                          When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

                                          Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

                                          For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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                                          Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

                                          When to Use Personal Finance Software

                                          So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

                                          Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

                                          1. You Have Multiple Accounts

                                          There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

                                          If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

                                          Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

                                          2. You Want to Automate Some or All of Your Payments

                                          Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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                                          There’s no need to log into every account you have and type in your routing number either.

                                          With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

                                          3. You Need to Streamline Your Budget

                                          Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

                                          Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

                                          Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

                                          4. You Have Specific Goals to Meet

                                          Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

                                          You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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                                          How to Get Started

                                          From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

                                          Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

                                          It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

                                          When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

                                          Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

                                          Final Thoughts

                                          Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

                                          In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

                                          Featured photo credit: rawpixel via unsplash.com

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