How to save money on your phone with these apps
I know all of you reading this love saving money. Even I do. With some planning and direction you’re going to gallop ahead of others and save a bunch of money. With correct offers and retailers you get choices of phones.
HandsetExpert: This site gives the best options based on your input. Add the calling, texting and data requirements and you see a bunch of offers to choose from. Go to the retailer site and see if the choices meet the guidelines.
Money supermarket lists the best deals on popular handset models while giving you a nice little table to compare monthly and SIM contracts. To choose the best.
Find the perfect car parking spot
If you want to save money with your car, the phone has a few things to help you.
Parking unnecessarily in the wrong place can cost a pretty penny. It isn’t always easy to find perfect parking either. WIthout that you get tickets. SpotHero helps you from the mess by reserving parking spots in advance and voila without coughing up a fortune.
The prices are affordable and with the phone you can go to the right spot.
When you park use the car parking app to pay for this. With this as soon as time’s up you get notified and you can add more money too. With this no need to go to the meter to pay up the money. No tickets either.
Another big car expense is repairs. You can’t really avoid them and we’re not asking you to either. What you can do is be smart about those repairs. Use an app called U scan that scans the engine and shows you what’s wrong. It tells you what about those engine lights turns them on and can run diagnostics. You’re not blindsided by mechanisms and know what is what.
Gasbuddy app gets you the place for the cheapest gas and you can use Google maps to search alongside the route travelled to. So you get the cheapest gas on the bucks.
Use coupons with the cartwheel app
The cartwheel app is a lifesaver because you get a load of coupons automatically applied with the app.
When grocery shopping you can either use Cartwheel or Opt Up and see the coupons that come along. There are also Walmart app that alert you to deals. These coupons are directly sent to your phone and that means there’s no messy business of carrying around or cutting up those coupons. With this you really save a lot.
Get on doordash
As a student you might love to get hands on with some part time work. Turns out there are enough and more avenues that you can start using. With a smartphone sign up to doordash to deliver food.
YOu can also join Lyft or Uber eats and do the same thing.
YOu can do grocery shopping for others with Instacart. As soon as you’re approved get ready to work and start delivering. When you don’t want work just shut off the app. You are flexible with regards to work timings.
Get more out of your shopping
There are a number of apps and tools like ebates and Rauketen that help you with cash or rewards when you are shopping. With dosh once you download apps, connect the card and you get shopping. Pay with these cards and they search for discounts and collect all the rewards for you. Little by little it adds up and you can withdraw a tidy amount at the end.
Use the Chime app
Chime is a mobile banking app that works on Android and iOS. With debit cards and spending accounts the deposits are safe and you can see the transactions that are happening on the instant.
With the automatic savings account, you can start saving money without having to really think about it and set aside 10 percent of the paycheck you’re getting on to Chime. You can also roundup purchases and get the difference back to your account with the chime debit card.
With this app you have tons of opportunities before you to save money and put it away into a savings account instead of spending it on things that amount to impulsive purchases.
No overdraft fee either and there are no monthly minimums.
Digit thinks and saves money for you by automating the process for you. It does a great job by taking over the job from you and automating saving. The app does this by studying your current expenses and your income. Next, it calculates the amount that needs to be set aside and parks that in a FDIC insured account.
This is done thrice a week and gives you the ability to save. The one percent savings bonus is paid out every 3 months. Based on average daily balances during the period this interest gets calculated.
The monthly fee appears after the 100 day trial period.
Clarity Money is another great option to automate savings for you and prevent spending too much money without thinking about it.
IMpulsive purchases go out of the window.
You can also negotiate bills to a lower amount with this.
With this you also get credit card suggestions based on your existing lifestyle and the suggestions are smart. The savings account will help you place all the money you save.
Qapital adds a learning component to the saving money. It gives you lessons around setting goals and the value of amounts go up incrementally. Each purchase you make goes towards the larger goal.
Qapital rounds up transactions to the nearest dollar amount and parks that into a savings account. You just need to connect a checking account to the app to make use of it.
Automate saving with this strategy.
Mint is the number one app that can help you pay those bills on time. If not, there’s always overtime bills that can cost a lot. This will be fee and penalties that you’re going to pay extra.
These apps will maximize the money and help you allocate more for savings and for emergencies and other things. This funds retirement accounts as well.
Wth free credit scores you can see the savings and maintain the habits of money saving and get better loan rates.
Acorns rounds up the different amounts of purchase made through credit and debit cards with the app. The difference gets to an Acorns account and from there goes to the investing arm. The funds are traded on funds and you get the profits You can space your money into riskier and less risky investments based on your risk comfort and get things going.
With college students you get the account for free for four years. The monthly fee is calculated on a percentage based on how much your account is short of $5000.
WIth partners like Airbnb and Blue Apron you get something from their spending credited back to your account
You Need a Budget
Well it’s an app but even as a statement you do need a budget to fund your expenses.
With a budget app like this it’s easy to plan out your budget and see where your money goes. This gives you the importance of budget and its money value.
With this you can put priority on which expenses to run by and ways to save some money and partition them to unexpected costs, emergencies. The app tells you how to live within your income and is certainly helpful. There’s also a software that works on PC or mac to go along.
Wallaby helps you maximize the potential for credit cards. Almost anyone who’s used a credit card know this; they’re a double edged sword. THey often take away your money if you’re not careful. With mobile apps and extensions and wearable devices you can use credit cards the right way and use them optimally. This gets you the most rewards that you can possibly accrue.
The app gives you a point by point detail regarding which card at which retailer gives you the highest number of rewards that you can use to purchase products, services and for other dreams.
Honey collects coupons for you and hunts out the best deals. It’s a cross platform browser extension that surveys what you buy online and applies coupons as soon as you go and purchase stuff online. There are a large number of brands that work along with this and you get a number of savings options.
Scoutmob available on both android and iphones is offering deals across cities. The company has gone beyond metros and big cities to deliver local discounts for restaurants and events.
It uncovers deals and also useful info around events that is great to use and listen to.
Viggle is another free app as you spend time in front of the tv. The app lets you choose a show and if you’re watching you get points for the same. Play games and answer quizzes around tv and you get points that total towards Starbucks and Barnes and Nole purchases.
That translates to lower priced coffees and books.
FeeX helps you save a ton on brokerage fee. If you don’t monitor that that can sweep in a lot of money and your broker will not help.
When on a tight budget with this App Joy you can find money to save. The free app analyzes both income and spending habits and then spits a number based on how much you can save each month and stay within the budget. The funds will be transferred to a secure account.
You can always choose to save more or less money than the amounts suggested and can move the money to the savings account.
When you’re ready to spend your savings, you can transfer the funds from the Joy savings account to an external account.
A free app that can help you fund travels. Available on both ios and android apps you can set goals for positive behavior and transfer the said money to a tip jar as soon as you hit the goal.
Be it walking a mile or cooking your own dinner, the app encourages consistent good behavior. You can also share the personal goals achieved through the social media connection Share the wins and maintain the wins.
With Tip Yourself, you can set a savings goal for your next vacation. When you reach your goal, you’ll feel confident taking a vacation knowing the money you’re spending is your reward for keeping the promises you made to yourself.
So these are some of the best apps designed to help you save money so that you don’t have to scavenge the last remaining coins to pay for stuff. If you use these apps you’re automatically set up to save money in the long term.