Advertising
Advertising

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

          Advertising

          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

                    Advertising

                    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

                              Advertising

                              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

                                        Advertising

                                        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

                                                    More by this author

                                                    25 Apps That Will Save You Lots of Money

                                                    Trending in Money

                                                    1 13 Incredibly Useful Tactics to Help You to Stick to Your Family Budget 2 How to Set Financial Goals and Actually Meet Them 3 How Being Smart With Your Money Leads to Financial Success 4 17 Practical Money Skills that Will Set You Up for Early Retirement 5 25 Things to Sell to Make Extra Money Easily

                                                    Read Next

                                                    Advertising
                                                    Advertising

                                                    Published on October 8, 2018

                                                    13 Incredibly Useful Tactics to Help You to Stick to Your Family Budget

                                                    13 Incredibly Useful Tactics to Help You to Stick to Your Family Budget

                                                    Are you having trouble sticking to a family budget? You aren’t alone.

                                                    Budgeting is difficult. Creating one is hard enough, but actually sticking to it is a whole other issue. Things come up. Desires and cravings happen. And the next thing you know, budgets break.

                                                    So how can you stick to a family budget? Here are 13 tips to make it easier.

                                                    1. Choose a major category each month to attack

                                                    As the saying goes, “Rome wasn’t built in a day.” With that in mind, one approach to help you get into the habit of sticking to a budget is simply starting slow.

                                                    Spend too much on Starbucks runs, eat out too often, and have an out-of-this-world grocery bill? Choose one bad habit and attack.

                                                    By choosing one behavior to focus on, you’ll prevent yourself from being overwhelmed. You’ll also experience small victories, which help you gain positive momentum. This momentum can then carry over into your overall budget.

                                                    2. Only make major purchases in the morning

                                                    If you’re making large purchases in the evening, there’s a good chance you’re doing so after a long day and you’re probably tired.

                                                    Why does this matter? Because our judgement tends to be off when tired – our willpower is compromised.

                                                    Instead, only make major purchasing decisions in the morning when you’re energized and refreshed. Your brain will be firing on all cylinders and your resolve will be high. You’re less likely to give in and settle at this point.

                                                    3. Don’t go to the grocery store hungry

                                                    Have trouble with impulse buys at the grocery store? If so, there’s a good chance you’re going grocery shopping while hungry.

                                                    The problem here is that when you’re hungry, everything looks good. So you’re more likely to make split decisions on things that aren’t on your grocery list.

                                                    Advertising

                                                    Instead, make sure you eat prior to your grocery store trip. Then take your list, along with your full stomach, and go shopping. Notice how food doesn’t look quite so good when you’re not fighting cravings.

                                                    4. Read one-star reviews for products

                                                    Is there a product you just have to have (but maybe not really)? Check out the one-star reviews.

                                                    By reading all the horrible reviews, you may be able to basically trick yourself into deciding that the product isn’t worth your time and money.

                                                    Next thing you know, you didn’t make the purchase, you saved the money, and you feel good about the decision.

                                                    5. Never buy anything you put in an online shopping cart until the next day

                                                    If you are making a purchase online, it’s typically a two-step process. First, you click “Add to Cart” and then you go in to review your cart and pay.

                                                    The problem is that there not typically much reviewing during step two. It’s generally click pay and there you go. However, this is the perfect point to stop for reflection.

                                                    Once you add to your cart, your best bet is to step away until the next day. Let the item sit there and grow cold, so to speak.

                                                    This gives you a night to “sleep on it” and decide if you really want and need to spend that money. If you wake up the next day and still find the purchase viable, then perhaps it’s time to go for it.

                                                    6. Don’t save your credit card info on any site you shop on

                                                    One of the other pitfalls of shopping online is that fact that most sites ask you to save your credit card information.

                                                    While the sites will frame it as a method of convenience, the truth is they know you’ll spend more money in the long run if your credit card information is saved.

                                                    The “convenience” takes away one last decision-making point in the purchasing process. True, it’s a pain to get out your credit card and enter the information every time. But guess what? That’s the point. If that inconvenience helps you stay on budget, then it’s worth it. Which leads into the next tip.

                                                    Advertising

                                                    7. Tape an “impulse buy” reminder to your credit card

                                                    Credit cards make spending much easier than cash. When you spend cash, you can literally see your wallet emptying. A credit card comes out, then goes back in. No harm, no foul.

                                                    That’s why it’s a good idea to tape a reminder to your credit card. Customize a message that is something along the lines of “do you really need this?” or “does it fit the budget?”

                                                    That way when you pull out the card, you get one last reminder to help you question your decision and stick to your budget.

                                                    8. Only use gift cards to shop on Amazon

                                                    Amazon is probably the easiest place online to blow money. It’s just so easy to click and buy. However, one way you can slow the process down is buy only using gift cards. Here’s how it works.

                                                    If you plan on making a purchase on Amazon, go to the grocery store and purchase a pre-loaded Amazon gift card of the proper amount. There’s no convenience fee, so you literally pay for the money you’ll spend.

                                                    Now take that gift card home and load it to your Amazon account. There’s your money to spend.

                                                    Why does this help? It makes you have to purposely go to the score and purchase the card in order to purchase the item. That’s a pretty deliberate thing that takes some time, commitment, and thought.

                                                    This process will effectively kill the impulse buy.

                                                    9. Budget using cash and envelopes

                                                    As mentioned earlier, it’s a lot harder to spend cash than swipe a credit card. You can take this even farther by using only cash, and separating that cash by budget category.

                                                    Create an envelope for each category and stick the cash in there at the beginning of each month. When the envelope is empty, no more spending on that category, unless you borrow from another (be careful of that approach).

                                                    This can be pretty helpful for people that have a hard time following transactions in their checking account, or keeping a budgeting spreadsheet.

                                                    Advertising

                                                    The envelopes simplify the tracking process, leaving no room for error. Nothing hides from you because it’s tangible in the envelopes in front of you.

                                                    10. Join a like-minded group

                                                    Making the decision to stick to something like budgeting is difficult. It takes long-term commitment.

                                                    You’re going to feel weak sometimes. And sometimes you may fail. That said, support from others can help strengthen resolve.

                                                    Support can come from a spouse or a friend, but they won’t always have the exact same goal in mind. That’s why it’s a good idea to join a support group that’s likeminded.

                                                    No need to pay here, as there are tons of free communities that fit the bill online.

                                                    For example, reddit has multiple subreddits that deal with budgeting and frugal living. You can follow, subscribe, and get active in those communities.

                                                    This will open your eyes to new tips and strategies, keep your goal fresh on your mind, and help you realize there are others dealing with the same struggles and being successful.

                                                    11. Reward Yourself

                                                    When you set a budget, it’s usually with a large goal in mind. Maybe you want to be debt free, or perhaps you want to see $10,000 in your savings account.

                                                    Whatever the case, the end goal is great, but the end is often far away, making it hard to see the end of the tunnel.

                                                    With that in mind, it’s a good idea to set mini-goals along the way. This helps you still look at the big picture but have something that’s attainable in the short-term to help with momentum.

                                                    But don’t stop there – set rewards for yourself when you reach that small goal. Maybe it’s an extra meal out. Or a new pair of shoes.

                                                    Advertising

                                                    Whatever the case, this gives you something in the near future to look forward to, which can help with the fatigue that can result in pursuing long-term goals.

                                                    12. Take the Buddhist approach

                                                    You don’t have to be a Buddhist to recognize some of the wisdom in the teachings. One of the tenets of the philosophy involves accepting that we can’t have everything we want. And that’s okay.

                                                    Sometimes you won’t feel good. Sometimes you’ll have cravings. You can’t deny them. But you can recognize them, accept them, and let them pass by. Then you move on.

                                                    Apply this to the times you want to do things that will break your budget. You’re going to have the desire to eat out when you shouldn’t. You might want to stay out and spend too much at happy hour with your work friends.

                                                    The feelings will come. Recognize them, accept them, but let them go.

                                                    13. Set up automatic drafts to savings

                                                    If you wait until you’ve spent all your budgeted money to deposit money into savings, guess what? You probably aren’t going to put any money into savings.

                                                    It’s too easy to see that as extra money and end up using it to treat yourself.

                                                    Instead, set up automatic savings withdrawals. That way, the money is marked and gone before you can even think about it. It becomes a non-issue. It’s no longer “extra.” It’s just savings.

                                                    Conclusion

                                                    Sticking to a budget can be difficult. No one is denying that.

                                                    However, if you can do a few things to set yourself up for success, and put some practices in place to curb impulse buys, then you can (and will!) be successful sticking to your family budget.

                                                    Featured photo credit: rawpixel via unsplash.com

                                                    Read Next