10 Apps That Save Me Time And Money

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What if I said you could live video chat with a doctor and book an appointment at home instead of having to go to the hospital?

There are hundreds, if not thousands of apps to choose from to download on your phone.

Read below to find out how you can save time and money with these free apps.

Take action now: Before we begin, take action now, and download the FREE Ultimate Financial Planner. Paying off debt and managing your finances can be FUN. Included is a bonus debt thermometer.

1. Ibotta

Ibotta is a free app that gives you cash back for making purchases on things like groceries, clothes, toiletries, and much more!

Before I visit a grocery store or make any purchase in-person, I check the Ibotta app to see what kind of cash back I can get.

It’s silly not to use Ibotta if you’re a regular grocery shopper and also have to buy things like clothes, toiletries, and pretty much anything else you’d find at a store like Walmart or Amazon.

If you sign up now, you can get $10 in your account by using my link here.

If you’re downloading Ibotta on your phone, the app will ask if you have a referral code. Use my referral code: lwyxxrb and you’ll get $10 for signing up.

2. Walmart Grocery Pickup

My new favorite app is Walmart Grocery Pickup for 2 major reasons: 1) It’s a huge time-saver 2) Convenient, easy pickup. You don’t even get out of your car to get your groceries. 

How to get started easily:

  1. Click here and get $10 off your first Walmart Grocery Pickup.
  2. Order groceries online.
  3. Schedule your pickup.
  4. No fees, no tips accepted, no subscription model. It is free to use Walmart Grocery Pickup.

If you’re new to Walmart Grocery Pickup, you get $10 off your first purchase here. That means you can get $50 worth of groceries for only $40.

I needed 1 substitution because they didn’t have the item I ordered, so they gave me an even better item for the same price as the original item I ordered. You also save money on groceries because you don’t even get the chance to impulse spend since you’re not in the store.

Bonus: Are you bad at picking fresh produce? Their grocery experts know exactly which to pick from for maximum freshness. If you aren’t satisfied with the freshness, you can get a refund. 

Even better, once you fall in love with Walmart Grocery Pickup (which you will), you can start referring friends and family. Just get 5 friends to try out Walmart Grocery Pickup and you’ll get $50 toward groceries. 

3. Billshark (I saved $290)

Billshark is a MUST for anyone who has a cell phone, cable, internet, or insurance bill and wants to lower their bill.

And trust me, it works because I’ve used it myself on 3 different bills and I’ve saved $290.

Here’s how Billshark works:

  1. Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
  2. Billshark negotiates all of the bills you send in.
  3. You get notified if Billshark was successful. If they are, they take 40% of the savings. Ex. Billshark saved me $290 over the course of 6 months, so I pay them $116. I can do this in a monthly payment plan or all at once.

It’s definitely worth the savings and it was such an easy process. 

You can start lowering your bills with Billshark here.

4. Move your money into a high-yield savings account

Are you still using a bank that is offering a 0.03% savings rate? Yep, that’s what my previous bank offers for savings rates, but Radius Bank is different. 

If your money is going to sit in the bank, do the most by putting it into a savings account with the best APY. 

Radius Bank offers a high-interest earning of 1.20% APY. You get benefits like:

  • Free ATM’s worldwide
  • No monthly service fees
  • No minimum balance requirement after $100 to open
  • The first order of checks on Radius Bank

Applying only takes 3 minutes. You can start saving with Radius Bank here.

If you have an emergency fund, why let it sit in a bank account offering 0.03%? My emergency fund is sitting in a high yield savings account and making me money every month.

If you’re not sure what your bank accounts savings rate is, contact your bank and ask. It’s worth it. 

5. Trade stocks with WeBull

WeBull is a free commission trading app with many benefits and features that make it superior to similar trading apps.

WeBull is designed for intermediate and experienced traders, with many tools that beginner traders will enjoy as well.

As an added bonuses, all new WeBull customers get free stocks. 

How can I get started with WeBull?

  1. Sign up for a WeBull account here.
  2. Download the app on iOS or Android.
  3. Go to menu > “My Free Stock” > Click “Get It Now” which starts your registration and open a brokerage account.

That’s it! Getting started is really easy. When you sign up here, you get the option of depositing at least $100 and getting a free stock worth up to $1,000.

6. Ebates

Cost: Free

Ebates is a must for anyone who shops online or in-person. 

The service is awesome – Ebates gives you cash back for shopping at your favorite online stores such as Sephora, Macy’s, and hundreds of other popular stores. 

Create an Ebates account here. Make an online purchase of $25 and get $10 as a welcome bonus! So easy.

Ebates even has a free browser extension that automatically applies the best coupons to your purchases and activates cash back. There are so many times I forget to use Ebates when I’m online shopping – so the Ebates button reminds me every time I go online shopping. It’s a must. 

7. Qoins

Would you like to pay off debt without even thinking about it? Stay with me for a sec because this isn’t some generic money-saving app.

Qoins helps you by using your spare change from everyday transactions to make an extra payment to your debt. 

Let’s say you go to Starbucks and pay for a coffee that is $3.71. Qoins rounds up your payment to $4.00, meaning $.29 goes to your debt. This might not seem like a lot, but it definitely adds up over time. Qoins has helped users pay off $4.5+ million with this method, so it must be working.

You can get started with Qoins here.

8. Digit 

Digit is a fun money-saving app that helps you save money for a particular goal.

Say you want to save up for a vacation, Digit will analyze your spending and automatically move money from your checking account to Digit when you can afford it. 

Digit knows exactly how much to save, and allows unlimited withdrawals so you can access savings at any time, and even has a 1% savings bonus.

Get 30 days free of Digit here. 

9. Use an awesome budget app

Cost: Free trial

EveryDollar is the perfect app for a newbie budgeter or for someone who likes to keep things simple.

I use EveryDollar, and it’s been my go-to budgeting software for months now. There are no ads, and it’s organized and super user-friendly for us people who like to keep things simple.

Using apps can make saving money a lot easier since everything can be organized and saved on your phone. You can easily access anything on your phone, see how much you’re saving, and get the cheapest deals sent right to your phone.

➡️ What to read next: 11 Best Personal Finance Podcasts For Achieving Financial Freedom

What apps do you use to save time and money?

This Post Has 4 Comments

  1. I love Doctor on Demand, or a similar app through my insurance carrier. With insurance, it’s even cheaper for me yet, and I love the convenience of not having to drag my sick butt to the doctor when I am not well.

    1. That’s awesome!

  2. Alexis — love this post. Some of these apps I’ve heard of, some I haven’t. But, they’re all useful. I use Evernote for reminders and keeping track of blog post ideas. I use the free version.

    But, this Triplog sounds very interesting. If I travel for work, I usually just keep bills and receipts in some folder. I like the idea of having it all in one spot on an app. Great idea.

    Thanks for this,

    Dave

    1. You’re welcome Dave! Triplog sounds like an app that would be very useful for you. 🙂

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