Great apps that help you budget and save money

We use our smart phones to carry out innumerable tasks; we text, email, take pictures, play games and sometimes even phone people on them. But have you ever considered using your phone to help with your personal finances?

If not, it’s probably about time that you did as there is an array of money savings apps, vouchers and budgeting tools available that can really make a difference. Here we take a look at some of the best ones around…

MySupermarket Mobile – Free

Every supermarket promises that they’re dropping prices here, cutting costs there and constantly comparing themselves with their competitors, but how can you be sure you’re actually getting the best deal?

This app is a good start as it enables you to compare the cost of products across the main supermarkets and will also show you if there is a cheaper alternative available in the store you’re in.

However, don’t go driving around town from shop to shop to save money as you’ll end up spending more on petrol! Speaking of which…

Petrol Prices Pro – £2.99 (annual subscription)

Doesn’t it annoy you when you fill up with petrol only to drive a little further down the road and see that you could have got it cheaper elsewhere? Well this app should put a stop to all that as it is designed to identify the cheapest petrol stations in your area or, if you’re in the car, will direct you to the nearest fuel stop.

Although it may seem pricey at £2.99 per year, this should have paid for itself after a couple of trips to the pump.

This one is handy if you’re the sort of person that drives round for days with the orange light on as it will direct you from your current location to the nearest fuel station. It can also sniff out the cheapest petrol station around in a given radius and give you directions to that as well and, although it’s at the pricier end of the scale, it could well pay for itself within a couple of trips to the pump.

Fuel School – £0.69

So you’ve found where you can get the cheapest petrol, it’s now time to make yourself more fuel efficient and this app can save you up to 10% on your fuel bills.

Using GPS technology (a bit like telematics insurance does) this app will analyse your driving style and give tips and advice on how to adjust it  to make sure you get more miles for your money.

Currency – Free

If you’re heading off anywhere on holiday, particularly if you’re going last minute, it can be a right pain trying to find out what the latest currency conversion rates are to make sure you’re getting the most value for your money.

However, this simple app provides up-to-date exchange rate information for over 100 currencies and countries, making it easy to keep up to speed with the latest conversion rates and sniff out the best deal.

0870 – £0.69

This is really great app for when you have to make a phone call to a business that has an 0870 or an 0845 number. It can prove very costly if you call from your mobile, and even the freephone 0800 numbers aren’t free from a mobile!

This app changes all that and converts any of these numbers into local numbers so you can use any inclusive minutes on your phone contract instead of paying around 35p per minute. Within two calls the app will have paid for itself!

Account Tracker – £1.99

If you have  trouble keeping up with all of your direct debits, standing orders and such like then this could be the app for you. Simply enter your accounts and billing dates and it will send you reminders of when payments are due and even if you’re about to go overdrawn.

Vouchercloud – Free

And finally, one to save you money on everything from shopping to meals out, Vouchercloud will pinpoint your location and let you know the deals that are available. And the best bit is that you don’t have to print them off, simply download the code and show it to the retailer to get your discount odzplik.