How often do you think about saving more money?
If you're anything like me, it's probably pretty frequently.
The problem is, small day-to-day expenses add up quickly.
But what if you could easily save an extra $100 per month?
An extra $100 per month could represent a lot of things:
- $100 per month x 10 months = $1,000 emergency fund
- $100 extra to pay off debt
- $100 to invest in a side business
- $100 less you need to earn from work you don't enjoy
The possibilities really are endless.
But the hardest part for many of us is actually sticking with a monthly budget.
Luckily, there are several apps that can do the heavy lifting for us.
These are a few of my favorite money saving apps.
Disclosure: This post may contain affiliate links.
ClassPass![Screen shot of ClassPass app]()
Tired of the same boring workouts every week?
ClassPass may be the app for you.
Instead of committing to one gym, ClassPass lets you experiment. Plus, you can easily add classes to your calendar in a single click.
So far, I've tried:
- Restorative yoga
- Small group strength training
- Barre
- Pilates
Things I like:
- Variety of classes in different neighborhoods
- Easy to sign up for classes through ClassPass app
- Cheaper than joining a gym
You can try your first 5 classes for only $10!
Ibotta
If you don't like coupons, you may prefer using a cash back app like Ibotta.
When I'm shopping at a major store, I'll spend 30 seconds to check the app for cash back opportunities.
A few examples:
- $1.20 cash back for Tazo tea
- $1.25 cash back for Organic Valley eggs
- .75 cash back for Rabbits organic granola
Why not, right?
I just started using the app and my balance is already $15.25!
Things I like:
- Earn cash back from places like Kroger, Whole Foods, CVS, or H&M
- Opportunities to earn cash back on any brand
- Transfer cash to PayPal or Venmo once you hit $20
Claim your $10 bonus by signing up for Ibotta here.
Personal Capital
Personal Capital is my favorite app for tracking my net worth.
Although Personal Capital also includes budgeting tools, I love seeing my entire portfolio in one place! Their full suite of tools is free, but my favorite feature is their fee analyzer tool.
Most people have no idea how much they are paying in retirement account fees. These fees can include custodial fees, inactivity fees, 12b-1 fees, and more. Over time, these fees add up and can drastically reduce your total savings!
Things I like:
- See an overview of all your money in one place
- Easily track cash flow on a monthly basis
- Put your investments under a microscope
Sign up for a free Personal Capital account here.
YNAB (You Need a Budget)
Are you tired of being disappointed by Mint?
Unfortunately, Mint is no longer the top budgeting app it once was. Intuit simply hasn't invested in the software and users have complained about sync issues for years.
YNAB offers a much better budgeting app for less than $5 per month.
YNAB is a budgeting app with four simple rules:
- Give every dollar a job – assign every dollar a home
- Embrace your true expenses – save for larger bills monthly
- Roll with the punches – be flexible and adjust your budget as necessary
- Age your money – live off last month's expenses
Things I like:
- Great for couples with uneven income
- Amazing support, workshops, and educational resources
- 34-day free trial with no credit card required
If I weren't so into my budgeting spreadsheet, I would be using YNAB.
Airbnb
As a former concert promoter, I traveled a lot.
I spent over five years producing concerts all over the country.
When I finally had time to travel on my own, I wasn't excited to stay in another hotel chain. Then, I learned about a better way to travel — Airbnb.
Over the past few years, I've stayed in some amazing (and affordable!) places:
- Swanky condo in Wynwood, Miami for $129 per night
- Beautiful historic home in Little Italy, Toronto for $140 per night
- Entire hillside cottage in Sorrento, Italy for $70 per night
Generally, I'm much more comfortable in a home, apartment, or condo over a hotel. Plus, I can save on food costs by preparing some meals at home!
Sign up here for $40 in free Airbnb travel credit.
Readers: What are you favorite apps for saving money?
The post Save More Money with These 5 Apps appeared first on Cashville Skyline.