Keeping on top of your savings can be tricky, there are always unexpected outlays to account for and they can really throw the balance off. Thankfully, there are all kinds of clever bits of technology that are designed to help to put a little extra money aside to become something we manage to do every single month, rather than something that we dream of being able to do one day. Whether they help you to build good money management habits or actively save you money on your existing outgoings, these bits of technology will help you on your quest to have a healthy savings account.
Smart Saving Apps
Money management apps have been really booming in popularity for several years now and it isn’t hard to see why. So much of our lives are automated nowadays, from the checkout at the supermarket, to sending a birthday message to our loved ones, that it was only a matter of time before our bank accounts were.
There are various money management or smart saving apps available, but Plum is one of the most popular. This app works in conjunction with your bank account, or bank accounts, to simplify your outgoings for you. Each month it will categorise your outgoings into groups such as groceries, eating out, entertainment, clothing, and more. If it ever wrongly categorises a payment then you can correct it and Plum will remember for the future. Once all of your spendings is broken down into categories it becomes clear where you’re spending the most money and therefore, easier to focus your cutbacks. Plum can also be set to make automatic savings for you, by transferring small amounts of money into your savings account. Making little and often savings is a smarter way to save as you don’t notice large chunks of money disappearing. There’s even the option to allow Plum to invest for you so that your savings can start making you money rather than just stagnating. It’s a very clever app and there are a couple of others like it, so you can find the one that suits you the best.
Whilst Plum works to organise your spending, it can’t actually cut back your expenses for you without your intervention. However, finding bonus codes online can. If you’re already spending on certain things and you don’t want to stop then finding codes to make them cheaper is the most sensible route to go. Many of us will remember our mothers’ coupon clipping of an evening to cut down on the cost of the weekly groceries, but now we’re living in an age where you don’t need a magazine and some scissors to save money. Instead, you need only a quick Google search or a browser extension.
For the Google search method, we’re going to take the example of a savvy saver who enjoys playing casino games. For this player, using no wagering casino bonuses is a simple method of cutting down their gaming expenses. They’ll search for casino bonuses online and come across Vegas Slots Online. This company has compiled a whole list of sites that are offering these kinds of offers, which require the player to wager no money but still give them bonuses such as free spins, or deposits to their play wallet. In this way, they’ll be able to save on their existing expenses without compromising on their hobby.
The method above requires you to do a little detective work to save that money, but if you can’t even be bothered to do a Google search then the good news is that there’s a method for you as well.
One of the tech trends that has really changed shopping for people is the browser extension. You can get browser extensions for tasks as menial as blocking popups, correcting spelling, or translating texts, but you can also get totally free browser extensions that actively save you money. These extensions come into their own when you’re at the checkout stage of an online purchase. Honey is the extension that we’ll use in this example, which will force a popup at the point of checkout asking if you’d like Honey to look for discount codes. If you accept then Honey will scroll through the internet, looking for codes until it finds the one that can save you the maximum amount of money. This browser extension, along with a whole load of others, is totally free and takes just seconds, but could make you big savings in the long run.
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