These Apps Will Actually Cut Expenses for You

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Last Updated:Aug 10, 2023

These Apps Will Actually Cut Expenses for You

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You know that feeling you get when you find a deal on something you want to buy?

Or when you cut a recurring bill in half with a few simple steps?

That happy feeling can occur by cutting expenses. Here are three apps that can help you save and hopefully get that warm feeling again and again.

In this article

Mobile App #1: Rocket Money

Forgotten subscriptions can easily drain $1,100 a year from your wallet. Sign up and forget about three $30 monthly subscription plans you don’t use, or forget to end a free trial that converts to a paid cost each month, and you can easily see a few thousand dollars slip out of your bank account in a year.

Rocket Money helps avoid that by canceling unwanted subscriptions for you.

The average user saves up to $729 annually by helping them identify and cancel subscriptions in one place. It also gives a view of your finances after you connect your bank accounts to its app.

To lower your bills, you connect your bill to Rocket Money by either logging in or taking a photo of the bill. Rocket Money’s negotiators look for hidden discounts and promo rates you’re eligible for.

They then work to negotiate your bill, though they never downgrade or remove your services. They either negotiate a better rate or get a one-time credit to your account. You’ll then get an email about how your bill has changed and how much you’ll save.

Rocket Money takes a 30% to 60% cut of your savings as its fee. If you save $100, it takes $30 by charging a credit card you provide when signing up. Rocket Money also allows you to manage your monthly subscriptions by monitoring your bank or credit card statements. Rocket Money informs you of any unwanted or fraudulent services. You can either remove subscriptions on your outside of the app or pay $3 to $12 per month for Rocket Money to do it for you with its premium service.

Read a full review on Rocket Money.

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Mobile App #2: Albert

Albert is another app that negotiates monthly bills to save users money. It also helps understand your spending by creating an automatic budget showing where your money is going and how much you have.

Other services include:

Albert advances users up to $250 from their next paycheck.
No credit check is needed, and no interest is charged.
Alerts are sent if you risk overspending after Albert monitors your balances, bills, and spending in real time.
Automatic savings feature with free withdrawals and no fees.
Guided investing can start with just $1.

One of the biggest benefits of using Albert is that it analyzes your income and expense patterns to automatically determine the right amount of money to save. The more savings it finds for you, the more money you can put into a savings account without thinking about it.

Its basic budgeting and saving app is free. Its Genius feature, which is text-based to help with financial planning, costs a recommended $8 per month. Ask a financial question, and it will text back an answer.

Related: Best Money Saving Tools

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What to do with your savings

Let your money make money for you. In the nature of digital savings, many digital savings accounts at your fingertips allow much more interest return than your commercial banks.

If you are still holding on to that rainy day fund, it would be stupid not to put your money in a safe place you don't want to touch and earn more.

Money Market funds and High Yield Savings accounts are your answer. First, they allow you to put a certain amount away, and some even pay you more for agreeing not to touch it.

See what your money can do for you by keeping it safe.

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