Use These 20 Apps Before You Blow Your Savings

Woman with dyed silver hair in a bun looking at phone in the park
Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

If you have trouble keeping money in your savings account, then it’s not really a savings account. It’s basically a second checking account.

Maybe you’ve had multiple emergencies, which, could absolutely happen during this crazy pandemic, but if possible, just don’t touch your savings until you really need it.

However, it’s good to buffer up your bank accounts anyway. Your full-time job (hopefully) will cover most of that, but additional side ways to earn money is always welcome, right? Especially when it’s for things you’re already doing like getting groceries or spending time on your phone.

Check out the below ways to help buffer your accounts so you don’t blow all your savings!

1. Get $5* to Invest in Amazon, Apple, Netflix, and More

Office Manager Sarah investing with $5 / Danny Guinta /*Photo for illustrative purposes only

You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Apple, Facebook, Spotify, etc., but you can. And you don’t have to be rich either.

That’s because Stash, an investment app, lets you start investing1 with just $1. You can choose where to put your money in and they provide guidance and tools to help you along the way. You can invest in major companies that you use or buy from regularly to make the investing process custom to you. Plus, it’s affordable.

As a bonus, Stash is giving new members $5 for any first investment so create an account to get started.*

2. Never Overpay for Car Insurance - Save $826 a Year

Let’s talk about the not-so-sexy topic of car insurance. You need it, you have it, but you’re probably overpaying for it. By how much though? It can depend on your car, location, age, and more, but on average you’re probably spending $826/year more than you need to.

You’ll know how much if you use Savvy to check for fast and easy savings. There are no forms to fill out since it uses your existing insurance info, and the system will instantly check for a better deal. It literally takes 30 seconds and they protect your phone number and email from spam.

Once Savvy finds you a better deal and you choose to switch, they’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy.

3. Budgeting Made Easy With This App, Even if You Don’t Know How

First things first, if you have trouble budgeting, you’re not alone as most people actually don’t know how to. When you understand how much money comes in and how much goes out, it’ll all start making sense.

Truebill easily helps you budget, even if you’re clueless. Their simple to follow budgeting pulls your historical spending, organizes it, and allows you to clearly see your spending so you can set a target budget with context. (Aka you can see where you’re wasting money on).

Truebill’s five-star reviews come from people formerly bad at budgeting. Nicole M. said Truebill “tracks spending and makes you accountable for every place your dollar is going. Shows you how a ‘few bucks’ here and there can really add up over time. It also gives you clues on how to save based on your spending. It’s like having a personal accountant tracking my money.”

Truebill will also alert you if you’re getting a little too spend-happy in your budgeted categories so you know when to curb it. Another user, Krystyna D. said, “This app is a lifesaver for budgeting. It lists your transactions in a minimalist and customizable way, has a spending graph that compares your current spending based on last month, and has a really great budgeting feature. I’ve been using the app for just about 7 months and they’ve done nothing but make a really great improvement to the service. I’ve tried some of the other services and they’re all cluttered and give you too much info without making what you want to see accessible.”

It’s simple but actionable budgeting that anyone can follow and it’s free to use! Join the many users today and control your spending with Truebill!

4. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score and have been turned down by credit card companies, you could still qualify for a personal loan for your short-term financial needs.

OppLoans can help. They work to rescue and rebuild middle-income credit-challenged members for a brighter financial future.

Submitting an application won’t impact your FICO credit score^ and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of FL, AL, AR, AZ, DC, DE, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, or VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  4. At least 90 days at current employer
  5. Have direct deposit

Qualified borrowers can borrow up to $5,000 depending on creditworthiness and state of residence.* “Payback is on a set term so no surprises and they are cheaper than those payday loans. I was able to get approved in just a few short hours. They really came through and helped me out!” Mike from Clover, SC.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!+

5. Fetch All Your Receipts (Even Virtual/Halloween) & Get Free Money Back

Alice Ly / The Smart Wallet

Check your pockets; check your purse.

Grab all the recent receipts you have and scan them into Fetch Rewards to earn points towards free money. Even better? Connect your email inbox and it’ll count your email receipts too from Amazon, Instacart, Shipt, and more!

Basically, shop at any store (grocery, drugstore, warehouse, everywhere), snap a pic with the app, and boom, you’ve got points for money. Upload your restaurant and drive-thru receipts too.

And since Halloween is coming up, get money back for candy, costume(s), and spooky decor!

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store and it’ll automatically reward you.

Be sure to grab a $2 welcome bonus on us (2,000 points) when you use promo code REWARD before scanning your first receipt!

6. Never Pay Overdraft Fees Again - Banking That Has Your Back (And Your Community’s!)

Overdraft fees. They’re avoidable yet people still get hit with them costing them an average of $250/year. That’s a lot of wasted money!

Instead of punishing you for silly fees, Chime, has your back. It’s an award-winning (and free to use) mobile banking app that lets you overdraft up to $100 with no fees1 via their SpotMe benefit. This means that $8 you were short on at the grocery store gets spotted and your account won’t overdraft, saving you money. Plus, you get a sleek-looking debit card!

They also care about empowering the community to take control of their finances too. That’s why they’ve teamed up with Grammy award-winning hip hop artist 21Savage as well as the Dallas Mavericks to provide free financial lesson plans to the youth community as well as guiding students to become entrepreneurs. #Values

Combined with no hidden fees, the ability to get paid 2 days earlier,2 and auto-savings starting at 1.00% APY makes Chime a stellar online banking option that doesn’t focus on profiting off of you like traditional banks. Since it’s free to use, give it a shot!

7. Get Extra Cash Back on Grocery Pickup & Delivery Plus More

Who wouldn’t want cash back?

Use Ibotta, an app that pays you real money on your everyday purchases, from groceries (both online and in-store), essentials, personal care items, to meal delivery to online shopping.

It’s simple:

  1. Just check Ibotta first to find offers, and when you purchase your items, scan the receipt to get cash back. Popular stores and services include Target, Ralph’s, Trader Joe’s, Uber Eats, and more.
  2. NEW: Online grocery purchase for pickup & delivery – Just open Ibotta, and see a list of supported grocery retailers and delivery services including Walmart Grocery, Instacart, Shipt, and more. Link accounts & get cash back on eligible products within 24 hours after your order is picked up or delivered!
  3. Online shopping – purchase from 100+ online retailers that include Sephora, Under Armour, Gap, and more to get money back.

Ibotta has also teamed up with 50 leading brand partners like Flipz®, Macy’s, TOMS, Jell-O, and more to be committed to giving $10 million in extra cash back for the new school year. This means you get more cash back than normal!

Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up so use it before buying anything!

8. Improve Your FICO® Score Instantly With Streaming Services Payment History - And it’s Free

Having a low credit score can impact a lot in your life, like the ability to rent an apartment, get a car, and even a cellphone plan.

That’s why it’s important to maintain positive credit card payment history and to keep credit utilization ratio in check (not using more than 30% of your credit line on any credit card).

Regardless of what your score is currently at though, everyone can use a boost to their 3 digit number, and Experian® wants to help.

A new feature called Experian Boost™* can help instantly improve your credit scores for free by adding your positive payment history from utility and telecom bills to your Experian credit file.

This is huge, because previously, your gas, water, electricity, TV, internet, and phone bills that you already pay for didn’t affect your credit. Now it does and to your benefit of potentially increasing your credit scores. Even better is your on-time payment history to streaming services also counts now!

It’s simple to start, and all you need is a free Experian Boost membership and a few minutes to connect read-only permission to the online bank accounts you use to pay bills. Experian will check only utility, telecom, and streaming services payments to get you credit for the payments you’ve already been paying.

This process doesn’t hurt your credit at all and you can choose to remove the boost if you want. Try out the fastest and no-cost way to instantly improve your credit scores!

*Results may vary, see website for details.

9. Empower Yourself Financially, Especially for Women

Whether you think about it or not, there are important realities in a women’s life.

Gender pay gaps where women make less than men, career breaks where women’s earnings drop significantly after having a child,(*) and longer than average lifespan meaning women need more money to live.

That’s why it’s vital to save for retirement and invest, especially if you’re female and why
Ellevest exists, an investment service and money membership created by and designed for women.

Men and those that identify as non-binary are welcome to join as well but it’s the first company to take on women’s unique set of obstacles when constructing an investment portfolio.

With affordable flat monthly fees starting at $1 and maxing at $9, you can be sure that your financial health is taken care of with personalized retirement planning (Plus and Executive memberships), investments with no asset management fees outside of your membership fee, and discounted sessions with career coaches and financial planners. Membership also includes an Ellevest debit card,* which gives you the option to round up spare change to help you save further** as well as unlimited ATM fee refunds.***

With the current world events, it’s even more important to make sure that your “future you” will be comfortable, so take advantage of the first free month and see how it can help you.

10. Stop Guessing Your Future. This Free Money Tool Tells You Exactly What You Need to Do

Americans suck at managing their money. 40% would struggle coming up with $400 to take care of an unexpected expense. So how is retirement going to look like?

Everyone needs a financial planner but obviously that is $$$$. But you don’t have to guess and fumble on your money’s future either. Get 100% free financial planning with Savology, where after answering some questions about your income, savings, assets, debt, etc. you’ll get a crystal clear picture of your financial strengths and weaknesses.

Takes about 5 minutes and you’ll get a free report card, financial plan, and most importantly, personalized action items on areas you can improve to get you closer to a comfortable retirement.

Jenny R. says “Love Savology. It’s the most efficient financial planning app I’ve ever used! Their recommendations are tailored specifically to the individual, which makes for unique financial planning according to one’s circumstances. Highly recommend it!”

So stop procrastinating on what to do with your money and start using Savology, a free tool that’s basically your personal financial advisor!

11. Find Out Why 1 Million People Start Their Day With This

While in college and preparing for the business world, Alex Lieberman and Austin Rief realized their classmates all felt the same way: traditional business news was dry, dense, and boring. Their fellow millennials wanted to keep up with what was happening but didn’t have a news source that spoke to them.

That’s why they started Morning Brew – the free daily email that delivers the latest news from Wall Street to Silicon Valley. Written in a conversational tone and sprinkled with punchy humor, it makes reading the news actually enjoyable.

From Elon Musk’s latest move to the stock market’s highs and lows, Morning Brew covers the top news shaping the business world. With a touch of culture and lifestyle stories, you’ll get up-to-speed on what you need to know in just five minutes.

Find out why over 1 million people start their day with Morning Brew — sign up for free here.

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