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.
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.
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.
I have the Ebates extension on my computer, which means a small Ebates popup will appear any time I go on a store's website. Ebates will tell me the current cash back offerings for the website. Simple!
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:
- Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
- Billshark negotiates all of the bills you send in.
- 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.
If you've been following my blog for a while, you know I'm a huge fan of Ibotta. What I haven't been a fan of with Ibotta is having to upload receipts.
Drop is essentially Ibotta, but you don't have to upload any receipts. Your credit or debit card is linked to your Drop account, you automatically get points. You can get points from Uber, Walmart, HEB, Whole Foods, Instacart, and many others. You redeem points for gift cards. This makes saving money effortless.
Groupon is so awesome. I've been using it since I was in high school for trips, restaurants, gifts, and so much more.
There are thousands of items and adventures listed on Groupon.
Your favorite restaurant or store is probably on Groupon!
6. Save money without thinking about it
Digit makes saving money as passive as possible while driving you closer to your money goals. I started using Digit when a few years ago, and it helped me reach financial goals without even realizing it.
How Digit works:
- Sign up for Digit. Connect your bank account.
- Digit analyzes your spending and automatically transfers money from your checking account to your Digit account (when you can afford it).
- Done. You save money without doing anything.
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.
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.
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?