Money magazine has served up a bounty of mobile apps to help you save more and budget better. Let's take a look at their top recommendations:

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Malaysia Jill

I'm a "saveaholic" and YNAB is definitely my favorite!!!

Here are my other "Saving Money Tips"

1) drop the smart phone and get a "dumb" one. Save about $50 per month. Get a low-priced tablet (e.g., Kindle Fire) or use your old iPhone as a wi-fi only device. Wi-fi is available everywhere; you really don't need to pay for cell-based data plans

2) call your car and home insurance company and tell them you want to go through all your coverage because you found another carrier that is cheaper. They'll probably help you "find" 10% off or more.

3) speaking of car insurance - An expensive policy from GEICO, Progressive, etc. is not needed. You can find one usually for less than $25/month from 4AutoInsuranceQuote. If you spend too much on car insurance from one of those big companies, chances are you are simply funding their expensive TV ads with cute animals.

4) compare what your house is really worth to your assessment. Many assessments have never been properly adjusted down to reflect the market over the last 4 years. We cut our property taxes by about 20%.

5) re-fi your 30-year mortgage to a 15. The interest rate will drop by at least 50-75 bps, more depending on your current rate. The payment may go up slightly, but it is because you are paying off your loan faster. If it's possible, get the mortgage paid off before the kids go to college. At a minimum, have it paid off before you retire.

6) review your credit card bills for all the things you are paying $10-20 per month for that you no longer need. I bet everybody has at least a couple

7) drop all magazine (paper and on-line) subscriptions. If you look around, you can find comparable content for free.

8) review your investment portfolio for ways to replace higher fee mutual funds or ETFs with lower fee ones. S&P500 funds/ETFs shouldn't charge more than 0.10% in fees. Fees may be higher for specialty funds, but they are all coming down fast. If your company 401K uses high-fee funds, talk to the folks in charge. A difference of 25 bps in fees will mean a difference of about 5% in your portfolio value after 25 or 30 years.

9) and of course the most impactful -- never carry a balance on a credit card. If you can't resist, cut up the cards.

November 16 2014 at 10:44 PM Report abuse rate up rate down Reply
Paul Lancia

Thanks for the list..we are also using an app called Spin Streak. It is a free mobile app for iPhone & Android that let's you win prizes, discounts and gain loyalty at participating locations. I use it in Saint Louis, but it is currently in several cities: http://www.spinstreak.com

August 08 2013 at 6:13 PM Report abuse rate up rate down Reply
allogatorseo

Another great one, especially for kids, is Allogator. It helps you allocate money into three separate accounts of your choosing. It even helps you calculate how much to save for a big purchase. www.allogatormoney.com

June 27 2013 at 6:48 PM Report abuse rate up rate down Reply