This year I have decided to try and save a bit of money, it has been hard not having a steady income and relying on people to pay invoices for work when they say they will.
So I want to try and build up a bit of money to fall back on and I am taking any little chance I can to do that. So I have been looking into apps to help you save money.
Over the past month, I have spent time signing up for a few different apps that help you save in all different ways and I thought I would share my findings with you.
5 Apps to Help You Save Money in 2018
I'm going to start with Plum as it's a little different to the others. Plum has neither it's own website or app to work through and instead utilises Facebook messenger.
It is an automatic savings system, which you give read-only access to, so Plum can analyse your transactions, then it takes a small amount it believes you can afford and pops it away in a savings account for you a couple of times a week.
You also have the option to invest your money for an average 3% interest return, however, it is always possible to lose any investments so make sure you know exactly what you are getting into before you choose to invest.
Money in your Plum savings can be accessed at any time and you can turn up or down the amount of savings it takes if you feel it is taking too much or too little each time. To find out more about Plum or sign up just click here*.
Receipt Hog just wants your receipt!
Yup you heard me right you can earn just by uploading the receipts from your weekly shops (and those in between).
Each receipt can earn you between 5 and 20 coins depending on the amount spend and you can cash out at 1500 coins for £5 or wait until 12000 coins and get £50! (Other amounts in-between available).
Receipt Hog also includes the Hog Slots with prizes from coins to cash (earn one spin when you upload receipts from certain retailers), a monthly sweepstake (1 entry per uploaded receipt) and more! To sign up just click here.
Shopmium is a cashback app, which gives you a certain amount back when you buy listed products.
You have to be a bit careful with this one as obviously you don't want to buy things you won't use.
However, it lists a lot of everyday items such as bread, breakfast bars and more so while I don't find myself using this week in, week out we have got a few bargains via it and check it often for new additions is a must.
Shopmium pays cashback directly into your PayPal or bank account when it is processed (though transfers can take up to 7 days). So no matter if you have earned 30p or £1.50 there is no waiting for a minimum cashout amount as with many other apps.
To give Shopmium a try click here (P.S.> if you use my referral code which is: xa2fu right now you get a free jar of Nutella).
Working a little like Plum, Chip is another automatic savings account.
This time though it has its own app available for Android or iOS.
Again you will need to give the app read-only access to your bank account, with all payments being taken by direct debit.
For me, Chip has been saving around twice a week with payments between £2 and £18 depending on the size of my bank balance.
I've found I've never missed the payments and have so far managed to save in just 2 weeks nearly £50 (quite a feat for me).
It is worth noting with Chip you do earn interest, with a base level of 1% if you use someone's promo code to join while inviting others can help get you up to 5% for the year.
If you would like to find out more about Chip or join up just click here and if you fancy using my code it is: NC5CYU.
If you're a fan of surveys and want something quick and easy you can do on the commute, or just as you relax in front of the TV then Attapoll might be for you.
It offers quick and simple surveys to answer, with a notification popping up each time a new one is available.
Once you have enough pennies you can cash out via PayPal, Bitcoin, Ethereum or donate it to charity. If you fancy signing up then just click here*.
CheckoutSmart – Much like Shopmium this offers cashback on certain items when you shop both online and instore, check it regularly for new offers.
Shoppix – Another receipt uploading app, this one also includes polls and prize draws. You can exchange your tokens (3200 for £5) for retailers such as Amazon, iTunes and Love2Shop. Enter my code: 9XMG2HVE to click start your account with 200 points.
ClickSnap – Pretty much the same as CheckoutSmart, but run by Quidco*. Cashback is paid directly to your Quidco account, but sadly it seems to be for shopping instore only.
VYPR – This app uses “steers” to help companies know what you want. They are normally quick to answer. However, keep an eye out for extra in-store opportunities that may pop up when VYPR picks up your close by as these payout more.
OnePulse – This is another quick survey website. This time they call there questions pulses and you can cash out via PayPal when you reach a balance of $5.
CashShow – This app has two live quiz shows a day! One at 12:30 and one at 9:30, as long as you make it past the first 5 questions you're in the money, with the prize for each round split between everyone who gets the question right. That means you could win anything from a couple of pennies to £1000! Cash out is via PayPal after you have reached at least £10! Get yourself an extra life (and me one too) by using the referral code: ETC67B
Cleo – Looking to keep on top of your spending then Cleo could be the app for you. It lets you keep on top of your incomings and outgoings, so you can see how much money you have spare. It can even help you budget if you want a bit of a splurge before payday. What's more, set up their wallet and not only will it help you save but you will get £5 free to start you off! Awesome right?!
So there you have some apps to help you save money in 2018, have you tried any of these apps, or do you have others you think I should give a try?