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25 Apps That Will Save You Lots of Money

25 Apps That Will Save You Lots of Money

Apps don’t just have to be time wasting or money draining. Check out these 25 money saving apps that will not only help you save you money, but also better manage your finances.

For General Finances:

1. Mint

The “Beyoncé” of personal finance apps; this little powerhouse allows you to keep track of all your financial activity from all your accounts: checking, savings, retirement—you name it! Every transaction is automatically recorded and categorized. Mint makes note of your spending patterns and creates a budget. Additionally, on the iPad, it generates graphs to give you visual representations of your net worth and cash flow. For those worried about security, the app is password protected and there is a way to deactivate access from your phone through the Mint website. It is a fantastic way to keep tabs on your overall financial health and be able to spot potential problems. (Plus, it’s free!)

Available for: iOS and Android

Mint iphone

    2. BillTracker

    Never miss a bill payment again with this great app from SnapTap. Passcode-protected BillTracker allows you to keep all due dates and amount totals in one place and even gives you notifications for impending payments. Due dates are highlighted on the calendar for quick views.

    Available for: iOS

    BillTracker

      3. You Need a Budget (YNAB)

      The name says it all: YNAB is an incredibly detailed but easy-to-use budget interface. The software operates by four simple rules: 1) Give every dollar a job, 2) Save for a rainy day, 3) Roll with the punches, and 4) Live on last month’s income. YNAB’s goal is to change the way you manage money and to create stress-free finances. The app is supplemental to the $60 software you purchase for your Windows or Mac and is meant to allow users to check their transactions and budgetary restrictions on-the-go. If you are looking to turn your finances around or gain a better understanding of your financial situation, purchasing the software is well worth the investment.

      Available for: iOS and Android

      You Need a Budget

        For Shopping:

        4. Shopkick

        Over six million people are already using Shopkick to browse products, find inspiration, and discover great deals at stores like Target, Macy’s, Best Buy, and more. Users are able to earn points by making purchases, inviting friends to join, and even by just walking into the stores. Then, the points can be transformed into gift cards at partnering stores. The icing on the cake is the slick new design—a shopper’s dream!

        Available for: iOS and Android

        Shopkick

          5. Ibotta

          Ibotta allows shoppers to earn real money for shopping. Start by perusing the different offers in the product gallery and choose the ones you’re interested in. Every time you compete a “task” (like sharing on Facebook, taking a poll, or watching a video), pending cash is added to your account that can be accessed once you actually purchase the product from one of the 50 retailers partnered with Ibotta. Once the purchase is verified, cash is put into your PayPal account or turned into gift cards.

          Available for: iOS and Android

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          Ibotta

            6. RetailMeNot

            “Thousands of coupons in your pocket.” Browse coupons and deals from J Crew, Victoria’s Secret, Starbucks, Target, Sephora, Bed Bath & Beyond, Forever 21, Bloomingdale’s, and hundreds more! Save the coupons you want to use for easy access and get notifications for coupon expiration dates. You can also search for deals at the nearest stores. Don’t worry about printing the coupons; all you have to do is show your phone at the register. Talk about convenience!

            Available for: iOS and Android

            RetailMeNot

              7. SnipSnap

              Like RetailMeNot, SnipSnap is a mobile coupon haven. However, this one also lets you take pictures of printed coupons from many retailers and turns them into digital, mobile-ready ones. You can also browse the online directory and see the coupons that friends have “snipped.”

              Available for: iOS

              SnipSnap

                For Groceries:

                8. Grocery iQ

                Stay on task and avoid impulse purchases with this incredibly detailed grocery shopping list platform. Not only can you build grocery lists by searching through the millions of products in the app’s database, but you can use voice recognition or barcode scanning. Grocery iQ also has a store locator feature and offers coupons. This app is a must-have for busy families or for anyone trying to keep their grocery budget under control.

                Available for: iOS and Android

                Grocery iQ

                  9. SavingStar

                  SavingStar is a digital coupon app for thousands of grocery stores and drugstores that is linked to your individual store loyalty cards. (Yes, you have to have loyalty cards to get rewards.) You choose the digital coupons you want to use and the reward is applied to your loyalty card and when you reach $5 in savings, you earn cash! You can even opt for your cash savings to go towards donations for the charity American Forests.

                  Available for: iOS and Android

                  SavingStar

                    For Local Deals:

                    10. Groupon

                    Redeem Groupon deals (as much as 50-90% off!) on everything from restaurants to retailers to hotels. You can search by location to find deals closest to you. Groupon consistently offers great, diverse deals and they even have options tailored for the holiday season. It’s also a great way to step out of your comfort zone and try out new places.

                    Available for: iOS, Android, and Windows

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                    Groupon

                      11. LivingSocial

                      Similar to Groupon, you can use this app to gain hand-held access to all of LivingSocial’s deals. Search for amazing discounts in your own city and get alerts on fun local events. Save on hotels, restaurants, and other places. Also, the discounts are great for gifts. An added bonus: if you share a discount you received on your social media accounts and three of your friends purchase the same deal, you’ll get yours free of charge!

                      Available for: iOS, Android, and Windows

                      LivingSocial

                        12. Amazon Local

                        “Save up to 75% in your city.” Use this app to find Amazon-level deals on the go. What’s great about Amazon Local is that you can search for deals and buy them instantly right from your phone. You are also able to set specific preferences or favorites so that the application knows what offerings you are most interested in purchasing. Like the other discount apps mentioned, there is no need to print out coupons or vouchers.

                        Available for: iOS, Android, and Kindle Fire

                        Amazon Local

                          13. Scoutmob

                          An exceptionally well-designed and clever app (love the “Stache Cam” feature), this is an excellent option for those living in a big city; it is only available in Atlanta, Austin, Boston, Chicago, Dallas, Denver, Los Angeles, Nashville, New York, Portland, San Francisco, Seattle and Washington, DC. In addition to finding great discounts at different eateries and shops, you can also search through articles and other local happenings.

                          Available for: iOS and Android

                          ScoutMob

                            For Those in Financial Trouble:

                            14. DebtTracker Pro

                            For those working their way out of debt, DebtTracker Pro can serve as a payoff plan and can help you keep track of your road to financial recovery. Users are able to choose their strategy for overcoming debt and the app not only recommends payment strategies but sends reminders when payments are due. There is a visual reminder of how close you are to your goal (sorted by account) to serve as further incentive. Getting out of debt is a long and difficult process, but this app will help keep you organized.

                            Available for: iOS

                            DebtTracker Pro

                              For TV Addicts:

                              15. Viggle

                              An app that awards you for watching TV?! Viggle lets users “check in” to whatever show they’re watching and earn points to be redeemed for rewards from Starbucks, Barnes & Noble, and other great brands. You can earn additional points by testing your television IQ and playing games. The app also allows you to interact with friends. (Note: sometimes the “audio sampling” feature can be buggy.)

                              Available for: iOS and Android

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                              Viggle

                                For Military Families:

                                16. Military Cost Cutters

                                This app is a must-have for military personnel and their families. This free application allows veterans to find military-friendly businesses in their area that offer discounts for their service. You are able to search by city, state, and zip code for best results. Additionally, you can leave comments on your experience.

                                Available for: iOS and Android

                                Military

                                  For Travel:

                                  17. GasBuddy

                                  Gas prices can be a major headache, but with GasBuddy, you can find the cheapest gas prices closest to you! Additionally, for every gas price you report, you earn points towards winning the weekly $250 prize for gas. With over 32 million visitors, the app remains extraordinarily up-to-date on your best gas deals.

                                  Available for: iOS, Android, Blackberry and Windows

                                  GasBuddy

                                    18. Hotel Tonight

                                    This international app allows you to find incredibly low prices on last-minute hotel bookings. Amazingly, you can arrange same-day bookings until 2 a.m. and for multiple nights. This service is a lifesaver for everything from unexpected layovers to spontaneous vacations. Hotel Tonight is constantly adding new locations and has stellar 24/7 customer support to keep their customers happy.

                                    Available for: iOS and Android

                                    Hotel Tonight

                                      19. Compare Bookings

                                      Not only does Compare Bookings let you search for hotel options wherever you are, but you can compare deals from all the best travel sites (like Priceline, Travelocity, and Expedia) to make sure you get the most bang for your buck. It’s not just for hotels: you can also find promotions for cruises, car rentals, and other travel expenses.

                                      Available for: iOS and Android

                                      Compare Bookings

                                        20. BestParking

                                        Trying to find affordable parking (especially when traveling in an unfamiliar city) can be stressful and a put a strain on your wallet. BestParking will help you avoid parking garage rip-offs by directing you towards the closest and cheapest parking options. In living up to their promise for accuracy, any report of inaccurate pricing is backed up with a $5 Starbucks giftcard.

                                        Available for: iOS, Android, and Blackberry

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                                        BestParking

                                          For Professionals:

                                          21. Expensify

                                          Expensify is designed with easy expense reporting in mind, which makes it ideal for salespeople or traveling business people. Photograph receipts, keep track of miles traveled, and record other travel expenses all on one platform to make your life a little easier. The great part about the receipt photography is that the app is able to read the values on the receipt so no manual entry is necessary. If you’re no good at keeping track of your receipts, you can also import credit transactions digitally.

                                          Available for: iOS, Android, Windows, and Blackberry

                                          Expensify

                                            For (Hungry) College Students:

                                            22. Campus Special

                                            Campus Specials brings you the best deals on restaurants and eateries around your college or university. Not only that, you can order right from your phone for pick-up or delivery. The more often you use the app, the more rewards you can earn to be redeemed at your favorite local food joints. Say bye-bye to the typical Ramen-based college diet!

                                            Available for: iOS and Android

                                            Campus Special

                                              For Gamers:

                                              23. GameFly

                                              Most gamers have heard of (and used) Gamefly, and the app just further solidifies the brand as a fantastic, money-saving resource. Browse for, rent, pre-order, or purchase your favorite games at killer prices, as well stay in the loop on the latest in video games news. Earn GameFly rewards and use coupons to save you even more money. The “Game of the Day” app is particularly nice feature that highlights a free or discounted game every single day.

                                              Available for: iOS and Android

                                              Gamefly

                                                For Smartphone Users:

                                                24. Onavo Extend

                                                Are you hit with data overage charges month after month? Onavo Extend allows you to not only keep track of your data expenditure through monthly reports but actually compresses your data and extends your plan! According to the website, you can save up to 80% on your data usage. Not bad for a free app!

                                                Available for: iOS and Android

                                                Onavo

                                                  25. Appsfire

                                                  Appsfire offers free and highly discounted apps every single day. By filling in a little bit of information, the app can make you a list of recommended downloads to suit your interests. Additionally, you can set up a wish list with notifications for deals or discounts on the apps you want to purchase. You can also avoid unimpressive apps by scrolling through ratings and get a heads up on “the next big thing” by browsing through trending applications.

                                                  Available for: iOS and Android

                                                  AppsFire

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                                                    Last Updated on July 10, 2020

                                                    The Definitive Guide to Get out of Debt Fast (and Forever)

                                                    The Definitive Guide to Get out of Debt Fast (and Forever)

                                                    Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

                                                    Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

                                                    Identifying All of Your Debts

                                                    The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

                                                    Here’s how you can get started identifying your debts:

                                                    1. Own Your Debt

                                                    Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

                                                    Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

                                                    2. Make a Debt Tracker

                                                    It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

                                                    Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

                                                    3. Get Your Debt Number

                                                    Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

                                                    Prioritizing Your Debts

                                                    All debt is not created equal. It’s imperative to understand that there are different types of debt.

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                                                    1. Understand Bad and Good Debts

                                                    Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

                                                    There are three main types of bad debt:

                                                    • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
                                                    • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
                                                    • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

                                                    Good debt is identified as investments in your future. Here are three common types of good debt:

                                                    • Student Loan Debt
                                                    • Mortgage Loan
                                                    • Business Loans

                                                    2. Decide Which Debt to Pay off First

                                                    Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

                                                    Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

                                                    If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

                                                    3. Don’t Pay the Minimum Amount

                                                    Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

                                                    Removing Obstacles to Pay off Debt Quickly

                                                    Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

                                                    1. Set a Reminder to Track Your Debt

                                                    “If you can’t measure it you can’t manage it.” -Peter Drucker

                                                    It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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                                                    Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

                                                    Set weekly and monthly goals so you can have short term wins and keep the momentum going.

                                                    2. Hide Your Credit Cards

                                                    If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

                                                    Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

                                                    3. Automate Everything

                                                    Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

                                                    4. Plan Ahead

                                                    Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

                                                    For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

                                                    5. Live Cheaply

                                                    The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

                                                    • Live with roommates
                                                    • Cook dinners and prepare lunches for work instead of eating out
                                                    • Cut cable and choose Netflix or Amazon Prime
                                                    • Take public transit or bike to work

                                                    Finding the Lowest Interest Rates

                                                    The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

                                                    If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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                                                    1. Maintain a High Credit Score

                                                    Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

                                                    • Never miss a payment
                                                    • Don’t exceed 30% of your credit limit
                                                    • Don’t sign up for more than one card at once
                                                    • Limit hard inquires, like auto-loans and new credit cards
                                                    • Monitor frequently with free credit-tracking software

                                                    2. Find Balance Transfer Offers

                                                    Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

                                                    Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

                                                    If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

                                                    How to Get Rid of Debt Forever

                                                    Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

                                                    1. Keep Monitoring and Adjusting

                                                    Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

                                                    Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

                                                    2. Earn More Money

                                                    There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

                                                    Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

                                                    Here are some examples of ways to earn more money:

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                                                    Talk to Your Boss

                                                    Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

                                                    Start a Side Hustle

                                                    This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

                                                    Build an Online Business

                                                    There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

                                                    3. Celebrate Your Wins

                                                    As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

                                                    While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

                                                    4. Set New Financial Goals

                                                    Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

                                                    Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

                                                    These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

                                                    Conclusion

                                                    Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

                                                    Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

                                                    More Tips on Getting out of Debt

                                                    Featured photo credit: Pepi Stojanovski via unsplash.com

                                                    Reference

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