Even if you earn more now than you once did, it still often feels like life would be a little bit better if only you had a few more dollars in your pocket.
As discussed on this site before, saving money is often better than earning it, so finding new and innovative ways to save can be as financial valuable as picking up a new client.
The problem is, for most of us, it’s far easier to talk about saving than to actually do it. You might buy a new pair of jeans, go out for dinner a couple of times, replace some old headphones and – oh! – you’ve frittered away last month’s income.
Despite this, most of us hope we can save money. Luckily, in the 21st century, it’s never been easier. There’s a whole host of apps that can help you save money – and help reduce your normal expenses.
Here are our recommendations for apps to help your sort out your finances – and make the money you spend on things you enjoy go further:
Mint is probably the most popular budgeting app of the bunch, and you can see why. The app works by monitoring your spending across multiple accounts, and it collates all the information about your income and expenditure to give you a “big-picture” view.
Even better, if you’ve been putting off checking your credit score (something that many people who are bad with money do!) Mint will provide it for free.
If you often rack up expenses at work and find it hard to keep track of them – meaning some of your hard-earned cash ends up unclaimed – use this app called Expensify.
With a really easy to use interface, Expensify helps you keep track of all your business expenses. You’ll no longer have to worry about missing receipts. At the end of the month, just use your expensify scans and reports for your company accounts. With all money back in your pocket, you can buy yourself something nice…Or save!
Qapital is really handy if you find it hard to move money into your savings account as soon as you’re paid.
Instead, Qapital analyses your spending habits, helps you set goals, and if you’re spending under budget, it automatically moves any excess money into a savings account that’s FDIC-insured. This is saving without the separation anxiety!
- Target App
Cartwheel was the much-loved app that helped Target’s customers save big bucks. Although it’s gone, its spirit lives on in the new Target app.
This one requires a little bit of patience, but if you regularly shop at Target you can make huge savings. Scan barcodes and mobile coupons to get over fifty percent off products, and get high-value freebies on big purchases. (US Only).
- The Fork
Dining out is one of life’s great pleasures… And, if you’re a serial foodie, one of life’s great expenses. Luckily, The Fork is there to help you save money while dining.
If you book a table on The Fork, you get a discounted meal – but this isn’t just about eating cheap. All restaurants on The Fork are independently reviewed by customers, so you can make sure you’re eating well while saving a pretty penny.
- Pangea Money Transfer
In the past, sending money to friends and family abroad has often been an incredibly frustrating process, both time-consuming and expensive. However, thanks to Pangea, that’s all been left in the past.
Now, with just a quick click on their app, you can send money to bank accounts in India, Mexico, the Dominican Republic and more – for more information look on their website.
- Compare Bookings
Who doesn’t love getting away for a few nights – or a couple of weeks – to a new city, a new country or an old favourite holiday destination?
However, we all know that travel is really expensive. Luckily, if you’re a frequent roamer, Compare Bookings can take some of the cost off right away. You no longer have to manually check each comparison site – Compare Bookings collates them all, so you can find the cheapest deal on hotels.
Founder of HomeWorkingClub.com – Ben has worked freelance for nearly 20 years. As well as being a freelance writer and blogger, he is also a technical consultant with Microsoft and Apple certifications. He loves supporting new home workers but is prone to outbursts of bluntness and realism.