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Nowadays one of the most important things for people is to be able to save money. This is quite understandable given the fact that life is becoming more and more expensive. Everything around us tends to cost us and so finding ways to cut on the losses is very important. One of the ways that you can cut down on losses is by saving money from the apps that you buy for your smartphone. If you are interested in learning more, here are seven great apps that can help you save money when using them.

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. This is most likely the most widely known and used personal finance app. Mint allows you to get a real-time, complete look into all of your finances, which includes basically anything from bank accounts and credit cards to student loans. It is made to automatically track all of your spending, categorize it, and even alert you when you reach your appropriate budget limit. You can even ask for some savings tips from the app. The design is fairly simple and has some great, intuitive graphics and charts, making Mint one of the most popular finance apps in the world. 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

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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

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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

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4. Acorn

Acorn is a simple app that allows you to use your spare change and invest it into different low-cost ETFs. You need to connect your credit card and other card accounts to it so that you can use the app. When you are connected, every time that you purchase anything the app will estimate the sum to be to the next dollar and invest the difference that is left in a portfolio that you can choose on your own. For example, if you have spent $2.25 for a cup of tea, the app will invest $0.75 for you.

Available for: iOS and Android

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5. Goodbudget

Goodbudget is a smart app that brings a long lived envelope budgeting method to your smartphone. The user can create what is known as an “envelope” for the different budget categories (groceries, transportation, shopping, etc.) and determine how much of their money are they going to allocate to this envelope.

Available for: iOS and Android

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6. Digit

Digit is a great app that can help you save money that you might not even realize you had in your hands. It is able to automatically scan your income and spending patterns, and then transfers a small amount of savings that it sees as unnecessary for you into a separate account. You can always withdraw from this account whenever you want to but the idea behind Digit is to use this to save up money without even thinking about it so that when you need them the most, you have a source to get them.

Available for: iOS and Android

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7. Credit Karma

Credit Karma offers a wide range of free credit scores and reports, and in addition to this also allows the user to monitor their spending. Based on this information, the app can offer you better credit card or loan offers that can further improve your finances. This is a continually growing app and there are now more than 32 million users across the whole world who use it. You can also be one of them.

Available for: iOS and Android

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8. Level Money

Level Money refers to itself as the “mobile money meter”. You need to connect your bank account to the app and when you do it, the app automatically calculates your income and regular bills, and then proceeds to give you suggestions about what your daily, weekly, and even monthly spending should be. It will also present you with the amount of money that you should be saving each month and will automatically subtract that from your budget so you know exactly how much you can spend. The great thing about it is that it tracks all of your spending in real time.

Available for: iOS and Android

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9. Wally

Wally is an interesting expense tracking app that shows a complete picture of your spending. You can check out how much you have spent every day, by week, or even by month, while also dividing the expenses into various categories. The best thing about this app is that it allows you to simply scan your receipt and it will automatically include all of the details. This way you won’t have to go through the hassle of typing all the necessary things every time you buy something.

Available for: iOS and Android

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For Groceries:

10. 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

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11. 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

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For Local Deals:

12. 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

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13. 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

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14. 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

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15. 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

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