The worldwide coronavirus crisis has affected the lives of billions of people across the globe. It has derailed the economies of many countries (including wealthy nations), eliminated millions of jobs and shuttered small and large businesses.
The difficulties caused by the pandemic have pushed many to save for a rainy day. A report from 9News revealed that businesses and households in Australia have amassed over $200 billion during the COVID-19 crisis.
Saving money is important during these times. The extra cash will help you weather the crisis and stay on top of your financial goals.
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If you need help setting aside money, you could use apps that will help you save your hard-earned dollars and keep your finances organised. Install these money-saving apps in your mobile phone today:
1. Clarity Money
This wonderful app harnesses the power of data science, machine learning and artificial intelligence (AI) to help you take charge of your finances. Clarity Money will help you find better credit cards (if you decide that getting one is best for your situation), cut down your monthly spending and cancel subscriptions that flush your money down the drain.
What’s more, this mobile app will notify you when you are spending too much in a specific area of your budget. If you have long-term financial plans, such as buying your first home with the help of a professional mortgage broker and getting a new car, you could create a savings account to set aside the cash you need by a self-selected deadline.
Just like what the name of the app says, you’ll enjoy financial clarity when you have this financial tool on your mobile phone.
2. Honey
This mobile platform gets rid of the hassle of searching for coupon codes that will save you money. Honey always works hard to uncover the sweet deals you need, so you can spend less on products or services that you need online. If you, for instance, need a budget video editing laptop for your job, simply run this tool to get discounts for your next PC purchase.
The savings will show up once as you go to check out for a product or a service you’ve been looking for online. This includes applying the savings automatically, so you won’t have to do that manually. Thanks to Honey, you’ll never have to worry about not saving money again when shopping online.
3. You Need a Budget
This isn’t just your typical financial advice. It’s a mobile app that helps you make an easy-to-use budget interface. The goal of You Need a Budget is to teach you more about the value of money.
You’ll learn a lot of financial lessons just by using this app, including living within your means instead of relying on credit all the time, managing unexpected costs, looking for ways to save more money for emergencies and retirement and prioritising certain expenses.
4. Digit
Using this money-saving tool is incredibly simple. All you need to do is to connect this mobile app securely to your bank account – and let the online platform take care of the rest. Digit will take a good look at the money coming in and out of your account to help you set aside small amounts of cash that you don’t need for your day-to-day expenses or bills.
Every day, the app will transfer money (typically somewhere between $5 and $50) from your checking account to a Digit savings account. If you are unable to see that money, you won’t spend it. This clever platform capitalises on that behaviour, so you could save more of your hard-earned cash.
5. Pennies
You’ll love the simplicity and design of this mobile app. Say goodbye to working and looking at complicated diagrams, graphs and charts when saving money and reviewing your finances. Set up your budgets the way you want – minus the confusing visuals.
This tool allows you to transfer money between budgets easily with a single click.
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Pennies will keep in sync with your paydays, taking national holidays and weekends into consideration and updating the figures automatically whenever you receive your salary.
Lastly, you can keep watch of your financial health easily thanks to the mobile app’s colour-coded indicators. One look at the app and you’ll know the amount of money you can only spend to stay on track with your money goals.
6. BillTracker
Missing a bill payment can tarnish your credit score and cause you to pay late charges. By installing BillTracker, you’ll never miss a bill payment again.
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This passcode-protected app keeps all your amount totals and due dates in one place. It will also show notifications for upcoming due dates.
Your mobile phone isn’t just for calling, texting, gaming and social media. You can use it to save more of your dollars and help change your mindset about money. Consider installing one (or more) of these six apps today to get you on the road to saving more money today and tomorrow.