I'm going to cover the best personal finance apps to manage your money, that pay you to shop and to save money shopping.
Oh yeah, he's doing it!
Best personal finance apps to manage your money
Acorns helps by investing your pocket change in low cost EFT, or exchange-traded funds.
Connect your checking and credit card accounts and when you make purchases, the price is rounded to the nearest dollar, and the difference between the rounded cost and the total cost is invested.
Credit score improvement is the ticket to more savings and less stress.
With WalletHub you can track your progress toward top financial fitness with free credit monitoring and daily credit score updates.
The Mint app offers a real-time look at all of your finances from one centralized location.
It tracks spending, categorizes your finances, and alerts you when you're approaching your budget limit.
Digit helps you save money without even realizing it. Here's how it works.
Your income and saving patterns are scanned, and then small amounts of cash are moved to a savings account managed by Digit.
Not only does Credit Karma offer free credit scores and credit reports, but it also monitors your spending habits when linked to your credit card and bank accounts.
Then, recommendations for better credit cards or loan offers are shown that improve your finances.
Goodbudget creates envelopes for categories and predetermines how much money should be put into each category. It's not a sophisticated app but it does what it needs to.
Wally is an expense-tracking app that can see daily, weekly, and monthly spending habits and divides your expenses into separate categories. It can also conveniently scan receipts for you.
PocketGuard connects to your bank account and always has access to current transactions and balances.
This app also analyzes your spending habits to know recurring payments to plan for and tracks your cash flow.
The You Need A Budget app makes sure that every dollar is spent wisely, plans for infrequent expenses, and can also come up with a quick plan for when you overspend.
A neat feature included is classes offered that you can watch online to get familiar with the app for free.
Best cash-back apps for making money
Rakuten may very well be the best known cashback site. New users will get a $10 welcome bonus and can get their payment as soon as they reach $5.
With Rakuten, you can earn up to 25% cash back at over 2,000 online stores such as Kohl’s, Macy’s and Walmart. The site also offers the most current promo codes and coupons, allowing you to save money on your purchases.
When you want to compare store prices, Rakuten is the way to go. All you have to do is scan the product’s barcode, and the app shows you the best prices.
Anytime you make a purchase through the BeFrugal app, you can earn a maximum of 30% cash back.
They also have a 125% cash back rate guarantee. If you find another cashback site that has a higher rate than them, they’ll match it an add an additional 25%.
By shopping here, you can stack your savings by using the coupon codes they offer and then receive cashback on top of that. If you find a coupon that doesn’t work, they’ll give you $5 for your troubles.
Payments are made on a monthly basis via PayPal. However, you can also get your money through check or an Amazon gift card.
Turn those receipts into rewards by using the Receipt Hog app. The way the app works is simple – you snap a picture of your receipts and earn coins within the app.
You can also play games and take surveys to earn more coins. You can then trade those coins for a Paypal payment or an Amazon gift card.
So how does Receipt Hog make any money? They are a market research company which takes the info on the receipts and anonymously sells that data to companies.
This data is compiled into market research reports that are valuable to big companies who want to learn more about Americans’ spending habits and tendencies.
If you’re more about shopping at brick-and-mortar stores, you’ll definitely want to use the Shopkick app.
There are 3 ways to earn points.
You can earn rewards when you walk into a store, then you can earn additional rewards for scanning products and finally, you can earn points again when you make a purchase.
That's right, you earn rewards just for visiting stores, even if you don't make a purchase.
Best shopping and coupon apps
If you’re a Target shopper, you need this app. The app lets you see the latest deals in the store and add special offers to your account.
Then, you can use all of the coupons you’ve selected at the register with just a simple scan of a barcode off your phone.
If you shop at Walgreens, you’re probably familiar with the coupon books they put out each month.
Instead of clipping coupons from the book, why not snag them on your phone? You’ll never forget your coupons and you won’t waste paper tossing out the ones you don’t want.
You can clip the coupons electronically and them scanned at the register. As a bonus, you can also manage your prescriptions through the app.
Similar to the Walgreens App, the CVS App allows you to view and use coupons over your phone. It also allows you to order products through an online store.
The downside is that you need a CVS card to use the app, but if you’re a frequent shopper it shouldn’t be a problem.
SnipSnap operates like a coupon binder. It allows you to search stores for coupons and then download them to the app where you can access them later.
It’ll even sort by expiration date and let you search your coupons later for easy access. When you get to the checkout counter, just scan the coupons from your phone and you’ll see the savings automatically come off your total.
Best of all, the app is free which really appeals to savvy shoppers.
If you’re the type of shopper that prefers working with a list, Dealnews offers the top 300 deals in your area so you can browse and discover great savings near you. The products span a range of varieties and the list is updated daily.
If you use in-store savings cards, SavingStar can let you load coupons right onto those cards. It is a coupon app that works specifically with grocery stores, letting you clip and save coupons from the app.
If you’re a restaurant and store shopper, RetailMeNot has your back. You can browse deals from your favorite retailers and bookmark anything you’d like to use in the future.
This is a great app for people that shop in a variety of stores and are always on the lookout for coupon codes.
Groupon is an app that offers local items and services at reduced costs. You can use the app to participate in giveaways and to redeem your Groupon vouchers.
Yowza operates by allowing retailers rather than users to upload coupons to share. That results in better savings and more accurate coupon codes.
You can search the app based on your location or the retailer. You can even search for your favorite stores, even if they’re not in your immediate area.
Over 70,000 retailers participate with Yowza, making it a great way to get exclusive coupons for your favorite stores. The app is free and works with iPhone or Android devices.
Express Checkout is part savings app and part sanity saver. Instead of fumbling with your keyring to find your savings cards, Express Checkout keeps all of your loyalty cards in one convenient location.
You can scan your loyalty card directly from your phone, eliminating the need to weigh down your key ring with excessive clutter.
Coupon Sherpa offers a virtual wallet that you can save your coupons into. It offers a variety of savings options by retailer, brand or other distinguishing characteristics.
You can scan the coupons from your phone or you can print them off. The app is free and works on all operating systems.