Saving money can be hard. It?s hard to create a budget and stick to it diligently each month.?We all know you have to save money?in order to pay down debt and reach your financial goals. But, there are resources that can help you save money.
If you’re old school, you can use reference books as well as financial planners to help you create a plan and stick to it. But, paper and people are not the only tools available to help save money. Now you can use technology to help too! Here are five cool?tech tools that can help you to save money.
Save Money with Apps
Apps rule the world. There is an app for basically everything and saving money?is no exception. Here are a couple of apps that can help you manage your money.
Personal Capital?connects directly to your bank, brokerage, mortgage, credit card accounts and much more. It allows you to track your spending and watch your net worth. It’s available on both Android and Apple devices, not to mention a desktop version.?The best part of Personal Capital is that it’s free to use! If you’d like to learn more about how the platform works, check out our Personal Capital review.
This app automatically moves money over to your Digit savings account as you have funds available that the app thinks you won’t miss. If you over spend and don?t have the money to move, Digit will only move a couple of bucks or none at all. You can also withdraw from this account as often as you need with no penalties. This app though is only available for Apple users.
Never lose track of who owes you what again! This app calculates and keeps track of who owes you money or how to split rent and other bills. It?s free and available for Android and Apple users. If you loan a lot of money or split food a lot when eating out, this will help make sure everyone is paying for their fair share.
Save Money with Gadgets
Apps are not the only cool tech tools that can help you save money. There are a number of gadgets?that can help you?too.
Electronic?Home Monitoring Systems
Electronic and “smart” home monitoring systems not only allow you to control your thermostat from your smartphone, but they can also allow you to shut off lights and monitor what?s going on in your home while you aren’t there. Forgetting to shut off lights can run up your electricity bill. By closely monitoring your home you can check these things as well as make sure your home is?secure.
Filtered Water Bottles
A few years ago, I bought a Brita water bottle with a built in filter. I always used a Brita water pitcher at home, but now I can take that same technology with me on the go too. Because of my refillable filtered water ?bottle, I now spend less money on bottled water. My filtered bottle has paid for itself many times over, even when you consider the new filters I’ve had to buy to replace mine every few months.
As we become a more technologically savvy society, there will be even more new and better ways to utilize tools that can help us save money.
Have you used any of these items to help you save money? Do you use other tech tools to save money?
Photo courtesy of: 27707
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