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Last Updated on January 3, 2018

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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                                                    Published on September 17, 2018

                                                    How Being Smart With Your Money Leads to Financial Success

                                                    How Being Smart With Your Money Leads to Financial Success

                                                    Achieving financial success is not something that just happens. Maybe if you win the lottery or something, but for the average person like you or me, it comes from a series of small steps you take over a long period of time.

                                                    With each step, you form a new smart money habit. And with each smart money habit, you build towards financial independence.

                                                    So what sort of habits can you form to get on that path? Let’s take a look at smart money habits you can start today to get you closer to a financially independent future.

                                                    1. Avoid being “penny wise but pound foolish”

                                                    It’s tempting to try saving a couple cents here and there when buying small items. However, that’s not where the real money is saved. You’re putting in extra effort for something that doesn’t move the needle.

                                                    You get the most bang when you’re able to cut down on your bigger bills. For example, finding a lower interest rate for your mortgage could save you $50+ per month. And cutting your transportation bill by purchasing a cheaper car or taking public transportation can provide large gains as well.

                                                    So, look at your recurring expenses such as housing, transportation, and insurance, and see where there’s wiggle room. It’s a much better use of your time than trying to pinch pennies here and there on smaller purchases.

                                                    2. When you want something big, wait

                                                    Impulsivity can get you in trouble in most aspects of life. Finances are no different.

                                                    It’s human nature to see something and want it right then and there. It starts as a kid in the checkout line at the grocery store, and it continues on through adulthood.

                                                    We get an idea in our head of something we want, and it’s hard not to go out and get it right then.

                                                    A good example is wanting a new car. Perhaps you’ve had your car for several years. It’s crossed the 100k mile mark. Maybe maintenance is due, and you’re annoyed that you need to replace the timing belt or purchase new tires.

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                                                    So, you get the itch.

                                                    You start digging around online, and you realize you could trade in your current car for something newer and more exciting… all for a few hundred bucks a month. Then you get obsessed.

                                                    Here’s where you have to take a step back.

                                                    Your newfound obsession is clouding your judgement. Rather than giving into the impulse, wait it out.

                                                    Set a timeframe for yourself. Maybe you come back to the decision three months down the road. See if the obsession lasts.

                                                    It might, but often, a funny thing happens. Often, you forget about it. And often, you find that the new car wasn’t a need at all.

                                                    The impulse faded. And you just saved yourself a ton of money.

                                                    3. Live smaller than you can afford

                                                    You finally get that big raise. And you want to celebrate – and why not?

                                                    You’ve been looking forward to this forever. And after all, it was all due to your hard work.

                                                    That’s fine, splurge a little. However, make it a one-time deal and be done.

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                                                    Don’t get caught in the trap that just because you’re now making more money, you should spend more.

                                                    Too often, people get more money and feel like they that gives them the means to buy a bigger house, a bigger car… you know the drill. Resist.

                                                    The fact is that living smaller than what you can afford is one of the fastest ways to build savings.

                                                    But if you constantly upgrade as you begin to make more, then you’ll never get ahead. You’ll just build up more debt along the way and have just as little wiggle room as before.

                                                    4. Practice smart grocery shopping

                                                    Food… it’s one of the biggest portions of any budget. And if you’re not careful, it can be one of the biggest drains on your wallet.

                                                    But luckily, there are a few things you can do to ensure that you stay smart with your money when buying groceries.

                                                    Create a grocery budget

                                                    Set a strict weekly grocery budget. When you know how much you can spend on groceries, you can then plan your weekly menu around it.

                                                    Once you know what all you need, you can go shopping and keep a running tally as you shop to ensure you’re on track.

                                                    I tend to do this in my head, rounding for each item. However, writing it down as you go would probably work best for most people.

                                                    Make a list… and never deviate

                                                    Never go to the grocery store without a list. If you go to the store with a ballpark idea in mind, you don’t have a true ide of what you need.

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                                                    You’re not well-researched. You don’t know what the sales are. As a result, you’re going to make decisions on the fly.

                                                    These impulse decisions will lead to overspending, which will derail your grocery budget.

                                                    Eat before going grocery shopping

                                                    It’s also important to eat prior to going to the grocery store. Hunger is a powerful force.

                                                    If you’re shopping on an empty stomach, everything is going to look good. In particular, you may find a lot of ready-made, processed snacks will look enticing.

                                                    After all, you’re hungry now and that food is easily available. So subconsciously, you may lean towards those items.

                                                    Unfortunately, not only are those items typically less healthy, but they’re likely more expensive. You pay for convenience.

                                                    However, when you eat prior to shopping, then you’ll shop with a clear mind. Your hunger won’t cloud your judgement, influencing you to make poor decisions like a cartoon devil resting on your shoulder whispering in your ear.

                                                    This makes it much easier to stick to your grocery plan.

                                                    5. Cancel your gym membership

                                                    Now that you’re all set on your food, it’s time to get smart about managing your budget in terms of physical fitness. And let’s begin by avoiding the gym. The gym bill, that is.

                                                    The average gym membership costs around $60 per month. That’s $720 a year.

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                                                    Yet, two out of three gym memberships go unused. That means two-thirds of people who have a gym membership are literally giving away almost a thousand bucks a year. It’s crazy!

                                                    I recommend seeking an alternative. One good alternative is to look into fitness streaming services.

                                                    Streaming services allow you to stream hundreds of workouts like Insanity and p90x, right in your own home for around $10-20 a month. That’s $40-50 less a month than the average gym membership.

                                                    Of course, then there’s the free option. The internet is full of free workouts that you can do on your own with minimal or no equipment.

                                                    For example, there’s the Couch to 5K program, that I personally used a decade ago to ease myself from couch potato to running my first 5K race. If I could do it, anyone could.

                                                    Then there are free resources like reddit that have limitless information on workouts. The Fitness subreddit has done all the research for you, populating workout tips and detailed workout routines for anyone to use in their wiki.

                                                    There are several routines that require no equipment. And you can join in on the subreddit to become part of the community, making it easier for those seeking comraderie and encouragement in their fitness goals. All for free.

                                                    It’s baby steps… And baby steps can start now!

                                                    I’ve never met anyone that can’t stand to be a bit smarter with their money. And on the flip side, anyone can get smarter with their money. But remember, it doesn’t happen all at once.

                                                    Begin by fighting your impulses. Prepare for the week and be smart at the store. And cut monthly expenses like gym memberships that are overpriced and you probably aren’t getting your money’s worth out of anyway.

                                                    The devil is in the details. And the details can change your lifestyle and prep you for a financially independent future.

                                                    Featured photo credit: Unsplash via unsplash.com

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