{"id":2590,"date":"2018-12-18T10:09:18","date_gmt":"2018-12-18T17:09:18","guid":{"rendered":"https:\/\/lendingarch.ca\/?p=2590"},"modified":"2018-12-18T10:09:18","modified_gmt":"2018-12-18T17:09:18","slug":"top-money-saving-apps-to-use","status":"publish","type":"post","link":"https:\/\/bestlendersfor.ca\/top-money-saving-apps-to-use\/","title":{"rendered":"What Are The Top Money Saving Apps to Use?"},"content":{"rendered":"

With the new year looming, you may have told yourself that this is the year you\u2019ll save more money and start a budget<\/a>. Yet, just like every other year, you\u2019re not sure where to begin or how to achieve this financial goal.<\/p>\n

Luckily, there\u2019s an app for budgeting and saving money<\/strong>. Actually, there are plenty of apps that can help you to set aside some cash and potentially avoid the need to take out a personal loan in Canada.<\/p>\n

In fact, personal finance apps can help you do everything from maintaining a budget and investing, to finding the best retail deals and tracking your credit score<\/a>. Money saving apps can even help you find the cheapest gas so you can keep more cash in your pocket.<\/p>\n

Take a look at seven of the best budget apps to help you start improving your finances<\/strong> right now.<\/p>\n

1. Mint<\/h2>\n

You\u2019ve probably heard of Mint, one of the best budget apps out there. Using Mint, you can link your existing accounts, including your credit cards and bills.<\/p>\n

From there, you can see all of your finances in one place, getting a much better understanding of what you owe and where you can cut back. You can then start creating budgets you can stick to.<\/p>\n

Check out the app .<\/p>\n

2. You Need a Budget (YNAB)<\/h2>\n

YNAB is right up there with Mint when it comes to the best budgeting apps. But unlike Mint, which is free, YNAB costs $6.99 a month, or $83.99 a year.<\/p>\n

To see if it\u2019s worth it, you can first try it out for free for 34 days, and if you\u2019re a student, you can get an additional 12 months at no cost.<\/p>\n

Nonetheless, YNAB claims that new budgeters \u201csave $600 by month two and more than $6,000 the first year.\u201d<\/em> So, perhaps the investment is worth it.<\/p>\n

YNAB helps you budget every dollar. This way you can live within your means, track your actual income, embrace your true expenses, set goals, and start saving money<\/a>.<\/p>\n

Most importantly, YNAB claims to help you break the cycle of living paycheck to paycheck. Are you ready to give it a try? You can download the app.<\/p>\n

\"Money
Saving Apps for Canadians from West Vancouver to Niagara Falls Ontario<\/figcaption><\/figure>\n

3. Credit Karma<\/h2>\n

Did you know that two-thirds of Canadians don\u2019t know their credit score? Well, Credit Karma is out to change this – and help you not only track your credit score, but also improve it.<\/p>\n

This is important as a good credit score will help you get approved for credit cards, the best car loans, home mortgages, and more.<\/p>\n

The free app allows you to tackle your credit with credit monitoring, personalized recommendations, a new score every week, credit report alerts, and educational tips on how to build your credit.<\/p>\n

Are you ready to get started? Download the app .<\/p>\n

4. Wealthsimple<\/h2>\n

Have you been wanting to start investing but you feel you don\u2019t know enough about stocks and you don\u2019t want to pay high fees? Well, there\u2019s an app for you and it\u2019s called Wealthsimple.<\/p>\n

Wealthsimple takes economist Harry Markowitz\u2019 Modern Portfolio Theory approach to investing. This approach means that Wealthsimple believes you can minimize volatility and reap rewards by diversifying your investments and passively investing over time.<\/p>\n

Here\u2019s how it works: You sign up and open a portfolio with a designated amount of money. Within five minutes, Wealthsimple will build you a personalized portfolio and put your money to work for you.<\/p>\n

The Weathsimple app, which you can download , even offers you the ability to round up your spare change from everyday purchases and invest the rounded up amount into your account. This makes it even easier to invest without making a drastic lifestyle change.<\/p>\n

5. Joy<\/h2>\n

When it comes to managing your finances, you probably don\u2019t equate this with \u201cjoy.\u201d Yet, one app – aptly named Joy<\/a> – is out to help you figure out which types of spending bring you the most happiness. In fact, the free Joy app helps you track your finances and boost your well-being. Huh?<\/p>\n

Yup, according to the company, the new app offers money coaching, a savings strategy, a unique way to track your spending, and even tips on finances and happiness. This, in turn, helps you get organized, stay on track and be inspired.<\/p>\n

According to Joy:<\/p>\n

“While other financial apps will say you\u2019ve gotta cut back on lattes to save money. Not us.\u201d<\/em><\/p><\/blockquote>\n

The company\u2019s website then states:<\/p>\n

\u201cDoes your daily double espresso make you happy? Awesome. Track it as a \u2018happy spend\u2019 and enjoy the caffeine surge. By breaking down purchases into \u2018happy spends\u2019 and \u2018sad spends\u2019 you can tap into the psychology behind your buying – which can help you spend happier and save more.\u201d<\/em><\/p><\/blockquote>\n

Once you sign up for Joy, a digital money coach will make savings recommendations for you. Learn more and download the Joy app .<\/p>\n

\"Apps
Save Canada! If you live in St Catharines or Fort McMurray you can save now.<\/figcaption><\/figure>\n

6. GasBuddy<\/h2>\n

There\u2019s nothing worse than paying through the nose for gas. With GasBuddy<\/a>, however, you can make sure you\u2019re not getting gauged. The app helps you locate the gas stations with the lowest prices in your area. You can even filter your search for particular brands and amenities, like restaurants and restrooms.<\/p>\n

Better yet, you can save money while you drive. How? The app will show you price hike alerts so you can fill up before the increase<\/strong>, and you can even enter a daily drawing to win free gas.<\/p>\n

To start finding the best gas prices, .<\/p>\n

7. Ebates<\/h2>\n

Do you love to shop and save money at the same time? Then Ebates<\/a> is for you. Think of it this way: Ebates actually pays you to shop.<\/p>\n

Here\u2019s how it works: You start by downloading the Ebates browser extension, set up a free account, and then go online shopping. There are more than 750 stores that are part of the Ebates network, including:<\/p>\n