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25 Apps That Will Save You Lots of Money

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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

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                                                  AppsFire

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                                                    25 Apps That Will Save You Lots of Money

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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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