5 Free apps that will save you money

13 May 2016

The power of the smartphone is a modern day phenomenon, with apps giving us the power to do almost anything.

The power of the smartphone is a modern day phenomenon, with apps giving us the power to do almost anything. These apps can be beneficial to many aspects of our lives, from tracking how long we exercise to how well we sleep. Another important area of life, finance is well covered in app form too, with options available to help you keep track of the money you have or help you save money on daily expenses.

The power of the smartphone is a modern day phenomenon, with apps giving us the power to do almost anything. These apps can be beneficial to many aspects of our lives, from tracking how long we exercise to how well we sleep. Another important area of life, finance is well covered in app form too, with options available to help you keep track of the money you have or help you save money on daily expenses.

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Wally

The first step to saving money is knowing how much you have and how much you spend. Wally is one of many personal budgeting apps, and it's one of the easiest to use. Simply set your monthly and daily budgets, document your spending (by scanning receipts), and the app will show you where your money is going and offer ideas about where you can make savings.

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Smoke Free

Smoking is a habit that has huge costs both in terms of your finances and your health. Smoke Free helps you track how much money you've saved in terms of cigarettes not bought, and also gives updates on how much your health is improving by not smoking. The app is set up to be social, so you can share your progress with friends and earn achievements for the length of time you stay off the ciggies.



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Pact

Pact is an app that encourages people to make (and stick to) exercise goals by offering a financial incentive. Every week you set a goal – it may be to run a certain number of times, or to limit your calorie consumption. All the members who fail to meet their weekly targets are fined (users set their own limits) and that money is shared by the users who hit their targets.



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PriceMe

Comparison sites have made shopping online a lot easier, but it's still tricky to know if you're getting the best deals when you're in a store. PriceMe has details of more than 500 stores in New Zealand, so if you're about to buy a TV or a phone, you can quickly check to see if you could get a better deal down the street.



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Love Food Hate Waste

It's estimated that the average household in New Zealand throws away almost $400 a year in food scraps, and a lot of this is down to poor meal planning. Love Food Hate Waste is trying to cut this figure down by helping users plan their kitchens, meals and shopping trips better. One of the smartest features is that it lets you enter the ingredients you have in your kitchen, and then it will find you recipes to help you use them up before they go off.


Whether you're trying to make ends meet or you're looking to save a little extra for something special, knowing where your money goes and how you can better spend it can go a long way. There may also be times when you need a bit more help, and taking out a personal loan through Harmoney can help you get the money you need quickly, securely and at a competitive rate.


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