Self-Help Articles

Seven Smartphone Apps for Smarter Saving, Spending, and Budgeting

Your smartphone can do a lot of amazing things: With the touch of a few buttons, you can create the ultimate workout playlist, talk and text with friends and family across the country (or the world), play games, take photos, and binge-watch the latest episodes of your favorite TV shows. But did you know that your smartphone can also be a powerful savings and budgeting tool?

1. Want to save money on gasoline or parking? There’s an app for that. There’s also an app for finding coupons and discount codes. And one for paying your bills on time. And another for finding healthy, wallet-friendly restaurant options for kids. Not sure where to start? We’ve picked a handful of popular, well-reviewed apps that might be just what you’re looking for:Best Parking. This handy price comparison app can save you hundreds of dollars per year by directing you to the most affordable daily, monthly, or yearly parking options in your neck of the woods. A must for frequent fliers and folks who live or work in cities where parking is at a premium. The BestParking app is available for iPhone and Android, and it currently provides parking information for 115 airports and 105 cities in the U.S. and Canada.
2.  RetailMeNot. A modern alternative to clipping coupons. Download this app to get discounts, special offers, and scannable coupons from your favorite retailers delivered straight to your phone. This app also gives you the option to choose the savings you receive: You can sign up to receive alerts from selected stores or use the app’s map function to search for deals and savings while you’re on the go.
3. Bill tracker. Say goodbye to late fees and missed payments forever. Use the app’s calendar feature to keep track of due dates and payment amounts, ensuring that you’ll never lose track of important payments. You can even set reminders a few days before due dates, and the app allows you to add notes such as confirmation numbers and amounts paid. Billtracker is available for iPhone and Android.
4.  Groupon. Even folks on a budget need to get out and have fun once in a while. And Groupon can help budget-conscious users find localized deals and discounts on everything from restaurants and entertainment venues to salons, fitness studios, and retail stores. The app allows users to search, purchase, and redeem offers directly from their smartphones.
5.  Out to Eat With Kids. Eating out can be expensive, especially for a larger family with kids in tow. Enter this (appropriately named) app, which helps direct parents to nearby restaurants offering free or discounted kids’ meals. The focus on healthful and nutritious offerings makes this an especially helpful tool for parents.
6.  Unsplurge. It’s easier to save when you’re working toward something specific. Unsplurge is a customizable budgeting app that helps you save money, curb spending, and work toward personal goals such as paying down debt or student loans or taking your dream vacation. Unsplurge is available for iPhone only.
7. GasBuddy. Whether you’re planning a road trip or simply trying to get the best possible bang for your gas-buying buck, GasBuddy is a great resource. This app allows you to search and compare gas prices so you know you’re getting the best deal. GasBuddy also offers helpful tools for things like calculating the cost of a road trip. Learn more here.

Of course, no app takes the place of good, old-fashioned discipline and determination – but if you’re serious about saving money, changing your spending habits, or living on a budget, apps can be helpful tools. And remember, if you need additional information or advice about how to get started, the team here at American Credit Foundation is always available. Contact us today!