We’re into the third week of the year and many of us will still be gamely sticking to our new year’s resolutions. But if you’re anything like me and roughly 50% of the population, you might be starting to waver a bit. And it gets even worse— less than 10% of us stick it out until the end of the year.
And with many of us opting for financial resolutions, we’ve picked out some apps to help make sure you stay on course to meet your money goals.
Make the most of loyalty cards — Stocard
Loyalty schemes are a quick and easy way of racking up rewards and prizes. But I know I’m not the only one who finds them cumbersome to carry store cards around with me. Stocard lets you load up all the ones you have and simply scan them when you’re in store to collect points. All the major storecards, such as Nectar, Boots and Waitrose are represented, so it’s a handy way of keeping them all in one place. But naturally with a new product like this, there are bound to be a few teething problems, so maybe make sure you keep your cards with you until you’re sure who’ll accept.
Save money on your shopping— GreenJinn
One of the best ways to get your finances under control is to spend less on your everyday purchases and GreenJinn helps you do just that. It offers personalised shopping coupons from some of the biggest high street names (it recently joined forces with Tesco for example) —you let them know what your favourite things to spend money on are so it can tailor these rewards to you. Then once you’ve made the purchase, all you need to do to receive cashback is take a picture of the receipt and upload to the app. Savvy users can save over £100 a month, so it’s well worth a look.
Keep your bills and subscriptions under control — BeanCutting down on bills and subscriptions is always a popular New Years resolution. But when it comes down to it, many of us are hampered from taking action simply because we’re confused about how these bills work, particularly utilities. Bean helps you reduce your spending by, among other things, analysing your bills and pointing you towards cheaper alternatives.
Get budgeting — Goodbudget
This app does what it says on the tin, but does it well. It’s simple and intuitive to use and allows you to quickly and painlessly tot up your incomings and outgoings. What I particularly liked about the app is that you get a really clear picture of how much money you have left over after you’ve accounted for all your bills — it deducts the amounts as you type them in.
Commit to a resolution — StickK