Building Your Emergency Fund? 10 Money-Saving Apps

No matter what some people might say, no one can survive without money. It is such an integral part of our lives, and yet we still find it desperately difficult to hold onto it. While earning money - big or small amounts - is relatively easy, saving it is a far more complex task. But, we all need to save at some point. Whether it’s for a brand new smartphone or for a house, saving money takes time and commitment. It is a known fact that a very small percentage of the world's population really understand how to save and do it properly. For the rest of us though, we have to turn to others for help. A financial advisor, a friend, a bank, a wife, or even a piggy bank could help you, but not all the time. Luckily, we live in a world where advice is available everywhere on the internet, and if you are one of those internet savvy folks, there are a number of mobile apps that teach you how to save money smartly, efficiently, and most importantly, regularly. Here are some of the most helpful apps out there.

Qapital

Making the first saving is easy, following up on it every month is far from it. That's where Qapital comes in. This unique and truly inspiring app helps you save money practically every day and with every activity. To begin, you must link your checking account to a funding account with Qapital. This helps is quick and easy money transfers or withdrawals. Once the account is set up, you need to set goals that can vary according to your liking. These goals can be as random as saving the change that is left from ordering Chinese takeout or can be a little more serious like keeping aside $100 every 2 weeks. There are absolutely no limitations with Qapital - you make the rules and only you can decide how much you save. Once the goals are set, the app sets up a FDIC savings account so you can easily withdraw your savings as and when you deem fit. When you do withdraw, the money is sent to your checking account linked with Qapital. If you choose, you can even spend the money using the Qapital Visa Debit Card.

ClarityMoney

ClarityMoney is one of the most advanced money-saving apps available. This remarkable app helps you save a lot by literally keeping an eye on you and your spending habits. The free to use the app, once installed, scans through all your subscriptions using artificial intelligence and locates anything unwanted or unused for long periods of time. The app then cancels them, which in turn help you save a lot of money. ClarityMoney also keeps a track of your spending habits and suggests the best ways to save more by switching to more pocket-friendly credit cards. It even alerts you when it recognizes that you're overspending. You can even set up FDIC-insured accounts through the app which helps you withdraw your saved money faster. With ClarityMoney, you can always increase, decrease, pause, or stop your savings as and when you like directly from the app.

Wallaby

We live in a world where credit cards play an important part in our lives. From buying groceries to paying for gas, credit cards are used on a daily basis. On average, a person holds up to 3 different credit cards at a time which offers different benefits. Keeping a track of which credit card to use while shopping is a daunting task. That's why Wallaby is one of the most helpful apps for those people who carry more than just a single credit card. Once linked, the app will inform you about which card should be used for making any purchase so that you can gain more rewards. Getting charged for something you didn't authorize? Wallaby can track any suspicious activity and find a solution for you instantly. You can even find all the rewards in a single place, so you know what you're getting always. The app also lets you check all the information you need for all the credit cards you have linked with the app. Your rewards can be used as cash for withdrawal, travel miles, or other useful perks.

Shopkick

Saving money while shopping seems like a total oxymoron doesn't it? With Shopkick, though, that becomes a reality. This app offers you, the shopper, to save money in ways you would never have dreamt of. With the app, you can earn points every time you walk into a store such as Best Buy. You can even earn points or “kicks” by completing simple tasks such as scanning barcodes, using your linked credit cards to make eligible purchases, producing receipts of already purchased items, watching videos, checking out new products, shopping online, and more. Once Shopkick is installed, you need to find the “Find Kicks Waiting Nearby” tab which will give you a list of stores and tasks around you. Collect as many Kicks as you can and redeem them at stores such as Starbucks, Amazon, and more. You can even track your progress and view your account through the app. Your Kicks will be in your account summary, and you can redeem them once they are enough to purchase a gift card of your liking.

ShopSavvy

You can save a lot of money by simply doing a little bit of research. While shopping online is a lot easier to compare and find the most affordable prices, it is a whole new level when it comes to shopping at a store. Luckily, with ShopSavvy, you are just a tap away from finding the best possible prices and their locations. All you need to do is scan the barcode of the product you want, and the app will present you with a price list for both online and retail stores. In this way, you can always get the best deal and save a lot more cash. You can also use the search tool to type in and find a product that you're looking for. With ShopSavvy, you can browse through over 400 different categories and products and also get alerted when the biggest deals hit stores around you. You can even get cash back deals when shopping from ShopSavvy partner retailers.

Coupon Sherpa

Coupons are a great way to save money when shopping and no one does it better than Coupon Sherpa. With this app installed on your phone, you can instantly gain access to over 48,000 coupons that are valid for both online and in-store use. Every coupon available on the app has been tested and approved by regular shoppers. Not only do you get a large number of coupons ready for use, but you can search for coupons according to the store they can be used in or the category of product. You also get access to coupon codes for online purchases as well as printable coupons for in-store shopping. But that's not all. There is a feature in the app that allows you to use the GPS signal on your device to find the best coupons in stores around you. Whether it's a new stove or a toothbrush, Coupon Sherpa has you covered.

Earny

Usually, once a product is paid for, the chances of saving money on it are as good as gone. But when you have Earny on your side, that might not be the case. This is an app that doesn't stop working. In fact, it starts working harder after a purchase is made. It monitors and tracks all the items you purchase and looks for any price drops that may occur in the near future. If it does find one, the app takes it upon itself to contact the company and ask for a refund. Earny does this by sending an email out on your behalf asking for a refund. You do need to give the app access to your email account though, but it is definitely worth it to find an email with some savings on it, right? It is a useful app that helps save you some money without having you do any of the hard work.

BestParking

Finding a parking spot is annoying, especially in a major city, but with BestParking, you can find the best and most affordable spots around you. The app offers you information on the cheapest parking spaces and lots in over 105 United States cities. There are also cheap parking locations available near 115 different airports in North America. Thanks to BestParking, you can save more for things that are more important. The app gives you all the latest and updated information from all the parking spots near you. BestParking is so confident in its ability to find you the best and most reasonable spots that it offers anyone who finds incorrect information on the app a $5 gift card for Starbucks.

SwagBucks

If you have a lot of spare time and don't know what to do with it, give SwagBucks a chance to let you make and save a lot of cash. All you need to do is complete simple and mundane tasks like completing surveys, watching videos, shopping at local stores, and more. The best part is that you don't need to spend money to make money on SwagBucks. Most of the tasks can be completed while waiting in line, travelling by the bus, or while catching up on your favorite shows. If you have a little time on your hands, use it to make some cash with SwagBucks. Once you collect enough of points, you can redeem them as cash through PayPal. You can also turn them into gift cards that can be redeemed at stores like Target and Amazon. With a minimum redemption amount of $5, you don't have to wait long before collecting your reward.

PocketFlip

Working on the principle of earning by completing basic tasks, PocketFlip gives you the chance to make some extra cash when you have spare time. The app offers you opportunities to earn by completing surveys, inviting friends, capturing pictures for the products, downloading apps, and watching videos. Every time you complete a task, you will be rewarded with a number of free coins. These coins can be collected and redeemed as gift cards that can be used at some of the biggest stores like Amazon, Starbucks, Target, and more.

Shop More To Save More

As you can see, shopping doesn't always have to be an expense. With these apps, you can save money on a number of different things or redeem the cash itself. While all these apps will help you save, they are targeted at specific goals. This means that you too should properly use these apps to make the most out of your purchases. Every app is designed to save cash in different areas and if used properly, you too can soon see yourself saving money.

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