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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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                                                    25 Apps That Will Save You Lots of Money

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                                                    Last Updated on April 3, 2019

                                                    How to Nix Your Credit Card Debt in Less Than 3 Years

                                                    How to Nix Your Credit Card Debt in Less Than 3 Years

                                                    Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

                                                    By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

                                                    This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

                                                    Hint: there are ways that are easier than you think.

                                                    1. Consider Consolidating Multiple Credit Cards If Possible

                                                    This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

                                                    It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

                                                    Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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                                                    Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

                                                    My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

                                                    Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

                                                    2. Try to Pay the Full Balance You Spent Each Month at the Very Least

                                                    You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

                                                    Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

                                                    If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

                                                    3. Pay Extra When You Can – Every Small Amount Counts

                                                    This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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                                                    It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

                                                    4. Create a Plan on How to Pay Extra

                                                    Back to the main point, having this plan is giving you one less thing to think about.

                                                    This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

                                                    For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

                                                    Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

                                                    5. Cut out Costs for Services You Do Not Use

                                                    If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

                                                    In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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                                                    6. Get Aggressive About It

                                                    Consider these points:

                                                    Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

                                                    Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

                                                    Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

                                                    Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

                                                    7. Reevaluate Your Progress at Set Intervals

                                                    Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

                                                    By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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                                                    Finally (and most importantly)…

                                                    8. Keep Trying

                                                    Do not get discouraged. Pushing it off will make it worse. Just keep trying.

                                                    Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

                                                    Start Knocking out Your Debt Today

                                                    The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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                                                    Featured photo credit: Pexels via pexels.com

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