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8 Great Apps that Will Help You Save Time and Money

8 Great Apps that Will Help You Save Time and Money

There are plenty of great opportunities for self-improvement and indulging in small pleasures in this world, but lack of time and/or money often get in the way and keep us from moving straight forward and jumping on these opportunities. It can be tough to reduce spending and save some money if you don’t have a clue where your money is going and how much of it slips through the cracks. At the same time you can’t really efficiently manage your time if you are not productive and don’t have a defined schedule, which in turn limits your ability to spend more time learning new skills or getting enough rest.

Well, the good news is that the smartphone you have is good for more than just chatting with friends, browsing social media and playing games when you are bored – which you shouldn’t be doing in the first place if you are concerned with productivity and time management. Here is a list of some excellent apps that will help you save time and money during the course of your daily life.

1. HomeBudget with Sync

HomeBudget

    Effective budgeting should be your top priority, and the HomeBudget with Sync app has everything you will need to keep track of your spending and find that perfect balance between income and expenses. The app features a user-friendly design that is both very visually appealing and easy to navigate. Apart from standard functions like the ability to store a photo of a receipt and view handy charts, you can also access all the budget information in the cloud from different devices, allowing multiple people to effectively keep track of a collective budget.

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    2. Splitwise

    Splitwise

      One of the worst things for a well-thought out budget is when you live with or frequently go out to eat and drink with a bunch of different people who don’t share the same budget. It can be very easy for one person to end up constantly having to pay more and lose out on transactions like paying the bills or buying rounds. With the Splitwise app you can effectively split up bills and keep track of who has paid for what, without getting into arguments or playing the guessing game.

      3. TripLog

      TripLog

        Budgeting home expenses is all well and good, but what about when you hit the road? TripLog is an automatic mileage-tracking app that enables you to track your mileage, expenses and show your routes on a map. When your mobile device is plugged in the all automatically starts tracking once you go over 5mph. It is a great tool for those who drive a company car and need to write reports, and a good way to see which routes are more effective and give you a look into how much you spend during your daily commute, so you can work out how to save a lot of time and money.

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        4. Viber

        Viber

          Why spend more money every month and lock yourself into prolonged cell phone contract, when you can talk all you want and send as many messages as you want for free with Viber? Even better, Viber is now available for desktops as well. You will be surprised at just how much you can save on your phone bills once you switch over, especially if you are a very social little birdie and use your phone quite a bit during the day.

          5. CubeAnywhere

          CubeAnywhere

            Aimed at the more business oriented crowd – be they freelancers, team managers or entrepreneurs – CubeAnywhere gives you the ability to easily keep track of different projects and costs involved with useful charts. You can access the information from anywhere in the world and from any device, as the information is stored in the cloud and the app is integrated with Google’s services, like Google Docs.

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            6. EverNote

            Evernote

              It’s incredibly easy to forget things or lose track of your obligations, so a good schedule planner should be everyone’s top app. However, EverNote provides a lot more functionality, allowing you to quickly jot down information, take notes when inspiration strikes, and even manage expenses. Not only will you stick to your schedule, but you will be able to write down ideas when you feel most creative and productive, no matter where you are. It will probably be the one app on your phone that you end up using the most.

              7. Any.do

              Anydo

                If you are looking for a more minimalist streamlined approach for organizing your tasks, for instance checking off items on the list with a quick finger swipe, then Any.do is the right choice for you. All your to-do lists, projects and tasks can be shared with your co-workers, roommates or family members, as well as accessed from any device, so you can all stay on top of things wherever you are. You can even turn missed calls into reminders and put a widget on your home screen to always stay informed on the tasks that are coming up.

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                8. Contacts+

                Contacts plus

                  A lot of the time you end up mixing up numbers, forgetting who the person you need to call is or just have a very messy contacts list in general, which means it takes time to find and contact the right people. Contacts + allows you to set up a beautifully designed contacts list that can be prioritized by frequency of calls. It is synced with Facebook, Tweeter and the Whatsapp free messaging app, so you can add a current profile picture to every entry and quickly contact them via call, SMS or message them through social media. You can also get birthday reminders.

                  So, all you busy people out there who are leading a hectic lifestyle and are always strapped for cash or running late, get some of these useful apps and start getting your life in order. With enough time and effort you will be able to become a busy little ant that always stays on top of all tasks, which will lead to you having more free time and wasting less money.

                  More by this author

                  Ivan Dimitrijevic

                  Ivan is the CEO and founder of a digital marketing company. He has years of experiences in team management, entrepreneurship and productivity.

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                  Last Updated on April 28, 2020

                  9 Millionaire Success Habits That Will Inspire Your Life

                  9 Millionaire Success Habits That Will Inspire Your Life

                  As technology evolves and information becomes more accessible, it has also become more challenging to define success. A lot of people are trapped in the rat race while trying to discover the actual formula for success.

                  You could become overwhelmed with what tools, techniques or philosophies to imbibe while trying to get tips over the internet. At every click and turn, there are ‘how-tos and quick-fix’ on how to become successful overnight. You will find several courses, articles, videos and books on how to achieve financial success.

                  But what if I tell you it doesn’t have to be complicated as people made it out to be? What if you could achieve success by merely following these 9 millionaire success habits?

                  1. Read for Personal Development

                  A daily habit I have discovered millionaires share in common is reading. For instance, if you are an entrepreneur, you need to read to become an efficient leader and a productive business owner. Reading helps you to grow and learn without going to a business school.

                  A research conducted by Thomas Crowley indicates about 85% of self-made millionaires read at least two or more books each month. [1] Warren Buffett is one of these examples. He spends 80% of his day reading. In the early days of his investment career, he would read 600 to 1000 pages in a single day.

                  While millionaires sometimes read for pleasure, they also learn to improve themselves. They read topics on leadership, how-tos, self-help, biographies, lifehacks and also follow current events.

                  Here’re some recommendations for you: 25 Best Self Improvement Books to Read No Matter How Old You Are

                  2. Establish Multiple Sources of Income

                  Another success habit I noticed about successful people is that they don’t depend on a single income source. Every millionaire possesses multiple sources of income. This helps them to manage economic challenges and also make more money.

                  They are passive income addicts. They earn interests from loans, rental income from real estate, royalties from intellectual properties, dividends from investments. They also launch a side business or run a website or sell information products.

                  How income is made either passively or actively is what separates the successful from the wannabes. They are always learning ways to build multiple streams of income.

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                  3. Live on a Stipulated Monthly Budget

                  An average millionaire does not believe in luck and jackpot. They take the time to understand cash flow-income and expenses. Based on this, they establish a monthly budget and religiously stick to it.

                  The essence of the budget is to minimize unnecessary expenses. This will help you gain complete control of your financial life. Budgeting helps you to avoid overspending to achieve your financial goals. Here’re some tips to help you stuck to your budget: 32 Hacks for Sticking to Your Budget

                  4. Manage and Maximize Money

                  The most significant education for a millionaire is financial intelligence. Nobody attains financial freedom without gaining financial intelligence. This is the more reason millionaire, regardless of their income, keep their knowledge about tax strategies updated.

                  They always seek to reduce their tax bills. One approach they employ is by living or incorporating their business in states with no income tax.

                  Do you know that about 60 companies paid $0 legally in the 2018 tax year? Some of these companies that ‘avoided'(note: not evaded) federal income tax include Chevron, Amazon, Halliburton, General Motors, Delta. Their US income was totaled at $79 billion with an effective tax rate of -5%.

                  What’s the deal? They got a tax refund.

                  How do they accomplish these?

                  An ITEP report indicated that they have the culture of throwing huge sums at tax experts who assist them in discovering creative, as well as convoluted means of paying little tax as much as possible.[2]

                  5. Avoid Debt

                  Another habit that separates the millionaires from the rest of the world is how they manage debt.

                  They don’t live an extravagant lifestyle; instead, they only buy what they need and can pay for. They do not book hotels and flights by using their credit cards to pay for them.

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                  They are conscious of the interest rates even when they use credits cards or take loans. If possible, they try to pay with cash because of its zero percent interest rate.

                  6. Set Daily Goals

                  It does not matter if they are setting up a business, a career, or financial projections; they have the success habit of setting short term goals. They plan daily and weekly goals to generate momentum in achieving their long-term goals.

                  Ensure you prioritize when setting daily goals. This will help you to achieve the most important to-dos on your list.

                  Setting priorities will help you to focus on highly rewarding activities. If you desire financial freedom, it is wise to pursue activities that earn you thousands of dollars rather than hundreds of dollars.

                  7. Don’t Act Rich

                  The goal is not to act rich but to be productive. Interestingly, Thomas Stanley buttressed in his book that for the most prestige brands of cars, about 86% percent are toys of the non-millionaires. While most believe that people with huge fortunes tend to drive exotic cars, in reality the largest consumers of pricey cars are aspiring millionaires.[3]

                  According to findings by Experian Automotive Researchers, 61% of individuals who earn $250,000 or more rarely buy luxury brands. Instead, they buy Hondas, Toyotas, and Fords like the rest of the world. The reason is they are not ready to spend money on premium cars that tend to drop in value in a couple of years as it would cost money. Millionaires invest in assets that appreciate.[4]

                  8. Own or Buy Businesses

                  In Robert Kiyosaki’s cashflow quadrant, he divided how you earn income into four quadrants. The E and the S quadrants take the left position while the B and the I are on the right side. According to Robert, it is possible to be on all quadrants, but the millionaires are not.[5]

                  • E stands for employee – they work for others
                  • S stands for self-employed – they work for themselves
                  • B stands for a Business owner- employees work for them (500 or more employees)
                  • I stand for Investors – Money work for them like Warren Buffet.

                  Your goal is to move from the left quadrant to the right quadrants where you own big businesses or make money work for you.

                  It is possible to become financially successful by pursuing what you love. For instance, if you love writing, aspire to be the best seller. Wealth and passion work together.

                  Check out How to Start a Small Business with Little to No Money for tips.

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                  9. Avoid Get-Rich-Quick Scheme

                  A millionaire holds patience as an essential virtue. It takes patience to become successful, not only in finance but in every aspect of life. While it is possible to become financially successful at an early age, most millionaires hit it at age 50. They live a moderate life, invest in their future and retire rich.

                  Bonus: How to Develop the Millionaire Success Habits?

                  Having learned these habits, the next question is,

                  How can I develop the Millionaire Success habits?

                  Here are six values you will need to develop:

                  Establish Your Life Vision

                  You need to be clear about what you want in life to set yourself for a life of success. Your vision has to go beyond becoming a millionaire to understanding why you want to become one. Any great entrepreneur you will ever find has a clear vision and an established mission.

                  Understanding why you are doing what you do will drive you to become the kind of successful person you want to be.

                  Make Your Passion a Profession

                  When your passion becomes your profession, work becomes pleasurable. Loving what you do enables money to flow to you and through you.

                  So what’s going to be? Wake up every morning by speaking positive words into your work, love what you do, and focus on the work that brings you joy.

                  Take a look at this article and learn how to make it happen: 5 Steps To Turn Your Passion Into A Career

                  Focus on Solution

                  Focusing on the solution means establishing the problem that you or your business address. This will help you focus on the solutions when others are faced with challenges.

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                  A millionaire has a mindset that is fixed on the solution. He or she knows there’s a way out, and that every problem is an opportunity in disguise.

                  Improve your problem solving skills with these tips: 6 Effective Ways to Enhance Your Problem Solving Skills

                  Develop Your Leadership Skills

                  Leadership skills are an asset that is indispensable if you want to develop a millionaire success habit. The more you hone your leadership skills, the more you will attract leaders who share your values.

                  Be Growth-Focused

                  Millionaire entrepreneurs prioritize self-improvement. Here’s how to achieve it:

                  • Get a coach. Coaching will impact your life, and you will achieve peak performance in life and business when you have a life coach.
                  • Be coachable. It is not enough to have a coach; you must be coachable. Sometimes, you need feedback and counsel to reposition your life and business. A coach has the wisdom and experience to counsel you from a higher perspective. The more you receive feedback and work on yourself, the more you become better at what you do and who you are.

                  Flip Your Thought Pattern From Acting To Being

                  It is not enough to have a millionaire success habit, you must also become a person of positive influence. This is how you can become significant. Bill Gates is not only rich; he is changing lives in Africa and different parts of the world.

                  If you want to become successful, you must first be and think like a successful person. This is how resources you need can flow into your life.

                  Here’s a final thought from me:

                  It is not enough to do something to have something; success is about being someone who possesses what is needed to take positive and inspired actions.

                  More Success Habits

                  Featured photo credit: Austin Distel via unsplash.com

                  Reference

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