In our increasingly digital world, there’s an app, website or browser extension for just about everything, including money management and shopping. It’s easy to do all your banking online, transfer money to and from accounts, and review and make adjustments to your investments. As for couponing, cash-back programs and digital promo codes make savings instant and accessible without clipping or storing.
Since most of us never leave the house without our smartphones and spend much of our time in front of a computer, using these tools is all the more effortless. Read on for the best digital tools to streamline your finances and savings potential!
Money Management Apps
Mint. This all-in-one money manager helps you budget and track expenses. View your accounts, credit card statements and recent transactions, and keep track of your upcoming bills on one easy-to-use interface. Mint also allows you to view your credit score, and facilitates management for your investment accounts. Mint is available on desktop and mobile devices, so you can stay on top of finances no matter where you are. It’s free to create an account, and your security is always guaranteed.
Level Money. One of the hardest challenges of budgeting is knowing how much you can properly put aside each month for fun spending. Level Money helps by creating a budget for you to determine how much per month you can use for splurging after taking care of rent and bills. Their app tracks your spending and keeps your balances and totals easily viewable so you don’t lose track. Set savings goals, view all your bank and credit card accounts and even get bill predictions for the next month.
Wally. Say goodbye to overstuffed wallets full of disorganized receipts. Wally’s personal finance app not only keeps track of every purchase you make, but allows you to scan and store receipts. With a colorful and orderly interface, this app makes it easy to track how much you have and how much you’ve spent. You can also categorize expenses with customizable fields, which helps organize your budget better.
Digit. Stashing away money for savings every day isn’t an easy task. The days of collecting spare change into jars are dwindling, but as per the new norm, there’s now an app for that. Digit works with your bank account to analyze your daily spending and calculate an amount that can be put into savings every few days. With no account minimum required, unlimited transfers and a no-overdraft guarantee, this app is a smart choice for a risk-free way to start saving.
Coupon Sherpa. The purpose of the coupon is to save you money, but you don’t have to dedicate hours to clipping, stashing and saving them. Getting in the habit of checking for coupons for specific stores you plan on visiting is easy with savings sites like https://www.couponsherpa.com/. This site and app has a huge selection of online coupon codes, in-store offers and even grocery coupons. Their search interface makes it easy to look for specific stores, even if you’re already in the checkout lane.
Honey. This browser extension does the couponing for you. Whenever you shop online, Honey scours the internet for coupon codes or discounts that are applicable to your order and automatically applies them. Honey works with popular online merchants like Amazon, Expedia and Groupon, but also for restaurants and clothing retailers. Plus, you can also earn cash back for shopping with this extension. You can install Honey for free on all major browsers through https://www.joinhoney.com, including Chrome, Firefox and Safari.
Group Buying Sites. One of the best ways to save while still enjoying local activities and dining out is to check out group buying sites like Groupon or LivingSocial. These sites feature new deals every day for restaurants, activities or products near you. Often the savings are up to 70% off, with coupon codes making the savings even more considerable. Most group deal sites are available as mobile apps, too.
Rewards and Cash Back Earners
Ebates. Ebates is a popular cash-back shopping portal that helps you earn extra income every time you shop online. What shoppers may not know is they also have a browser extension that, like Honey, scans sites where you shop online for cashback offers and automatically applies promo codes to your purchases. You must be a member to earn rewards through Ebates, but it’s free to join and use.
Paribus. How many times have you made a purchase one day, only to find a lower price later? When you use Paribus, you receive a price adjustment without any extra work! Paribus tracks your online shopping receipts and seeks price adjustment refunds when an original price drops. The service takes 25 percent of what you receive if they successfully find you a refund (and nothing if they don’t). If you don’t track prices after you make purchases, Paribus is a no-brainer way to get a little money back with zero effort.
Shopkick. The Shopkick app lets you earn rewards points, or Kicks, when you shop at participating locations. You earn Kicks just for walking into a store, and then on every item you purchase. The Kicks can later be redeemed for gift cards to a variety of popular stores or even restaurants like Starbucks. It’s comparable to a credit card rewards program (without pesky balances and APRs), and the app is completely free.
Ibotta. This handy rebate app allows you to scan barcodes, upload receipts and earn cash back for shopping at popular grocery stores, gas stations, pharmacies and even specialty stores. Your earnings go into an Ibotta account which can then be transferred to Paypal or converted into gift cards. The app also allows you to earn bonuses, as well. It works with many popular rewards programs to ensure maximum savings and cash back.