Smartphones make it so easy to twiddle the day away. Nearly everyone is guilty of Facebooking at the office or battling coworkers in Words With Friends. Even worse, our phones also enable us to waste money more easily, as the temptation of online shopping is constantly at our fingertips. But it doesn’t have to be this way – your phone can be a friend to your finances. We’ve come up with a list of four apps we think will, to quote modern day poet Mike Jones, “Make your pockets stick out more than your belly.” We can’t guarantee they’ll make you as rich as a rapper, but they’ll definitely help you keep a little extra cash in your wallet.
- Mint. This awesome online money management website has an equally awesome app. The Mint app, like the site, allows you to monitor multiple bank accounts and credit cards through a single streamlined interface. It breaks your spending habits down into categories and allows you to set monthly budgets. It will even send you push notifications when you’re getting close to your limits. The one thing it won’t do is allow you to transfer money between accounts, but that’s actually part of the app’s stringent, bank-level security system. And the best part of all of this is that you won’t have to spend a dime. Both a Mint.com account and the app are totally free.
- Etsy. Cubicle worker by day but creative type by night? If that’s you, and if you haven’t created an Etsy store, you’re missing out on an great moneymaking opportunity. That old “I don’t have time” excuse doesn’t cut it anymore – Etsy’s mobile app allows you to sell your original art, crafts and vintage goods on the go. Do that on the bus on your way to work instead of posting “artistic” selfies on Instagram and you might even make enough extra dough to quit your crappy day job.
- Grocery Gadget. More than just an app for checking items off your grocery list, Grocery Gadget helps you save on the essentials. It integrates coupons to help you save your hard-earned cash (that little bit you save at the supermarket each week can really add up). And the app’s “aisles” feature will organize your list into groups to help you make the best use of your time at the store. Which is awesome because, as we all know, time is money.
- Debt Free. If you subscribe to the “snowball method” of eliminating debt (paying off as much as possible on your smallest accounts while paying just the minimum on the larger ones) you’ll love the Debt Free app. Just enter in all your account info – balance due, due date, interest rates and minimum payments – and the app does all the work for you. It calculates a schedule, notifies you when it’s time to make a payment and tells you when you’ll finally be debt free. The $1.99 price tag is certainly worth the time and effort this app will save you. Why stress about debt any more than you have to?
Now that you know about these apps, it’s time to get off Twitter and get downloading. They might not make you so filthy rich that you’re wearing two gold chains at all times like 2Chainz. And no, you probably won’t make enough money that a Kardashian will let you impregnate her, like Kanye West. But you’ll definitely wind up with some extra cash, and that’s always a great thing. Are there any apps you’ve used to help manage or make money? Leave us a comment and let us know.