Whether you’re worried about being able to afford retirement, or trying to live more comfortably on your income, there are apps out there that can help you manage your money better, and help you spend less on the things you need every day. From financial planning and management programs, to ones that help you find the best deal on gas or groceries, these hand-selected apps will help you save for retirement, or stretch your paycheck further!
Smart money management on the fly:
How often do you worry about retirement funds, run your figures through those “How much do I need to retire?” calculators and read about the best asset allocation strategies?
The bottom line is that nearly everyone who has angst about thin retirement accounts likely needs to pare back, save more, and manage money better.
Apps for your mobile device make it easier and easier to keep spending in check.
Here are five to try.
1. Mint Mint gives you your entire financial picture by gathering all your financial information, including investments, spending, and bills, in one spot. You can track your bills; get reminders so you’re not dinged with late fees, keep an eye on investment performance, and see graphs that give you a snapshot of exactly where you stand.
And by tracking your spending habits, Mint can illustrate how much you can save by cutting spending in a given category. Mint has a bunch of other nifty features, including spotting the junk fees you’re paying that can add up over time.
2. Lowest Med Find the best price for your prescription drugs. Type in the medication name and your zip code and the app gives you the store where the drug is the least expensive. As an example, the cost for a 30-day supply of a common cholesterol drug in Chicago ranged from 184.92 to 189.88. That $4.96 monthly savings adds up to $59.52 per year.
3. GasBuddy Whether you’re headed to work or you’re road-tripping, find the cheapest gas. You type in your zip code and the app lists prices at nearby gas stations and gives you a map to the locations. It can deliver savings of more than just a few cents. One spot check in the 90201 (Beverly Hills, Calif.) zip code yielded prices ranging from 4.55 to 4.99 per gallon.
4. Redlaser When you are ready to actually spend some money, do some comparison shopping on the fly by scanning barcodes of items that interest you while you’re in the store. The app generates information about the product and tells you where you can find the best price at both online and at brick-and-mortar spots. It works for everything from DVDs and computer gear to household appliances.
5. Coupon Sherpa and Grocery iQ Everyone wants to cut
grocery bills, but who wants to haul around and shuffle through binders full of coupons? These supermarket apps can help you create shopping lists, organize your grocery shopping, and deliver on-the-spot coupons.