My Favorite Money Saving Apps

Top 10 Money Saving Apps

Your smartphone can be a very powerful tool if you know how to use it for more than just surfing social media and posting memes. There are so many money saving apps available that can help you save large amount of cash every single year! Here are my favorite money saving apps and the ones I tend to reach for on a daily/weekly basis.

If you have a smartphone, you know that there is an app for darn near everything. Type in “money saving apps” and the huge array of choices can be a bit overwhelming. It is hard to know what is legit? What companies will actually pay out? Some of these companies require you to enter sensitive information. Who can you trust?

Some of these we use on a regular basis. Some of these money saving apps are on our “2019 to-do list” to set up. Some of these are used daily! I hope you’ll enjoy our list of money saving apps, and please comment below with some of the apps your family enjoys using to help save money and meet your financial goals!


One of my faves and super easy to use! Simply scan this before you head out the door to shop and you can add offers to your account. Then go shopping and afterwards, just take a pic of your receipt and Ibotta will give you credit!

This is definitely one of those “small trickles make a big stream” apps but it can really add up over time!

Click here to sign up for Ibotta (this is my referral link FYI!).


The Target app makes me so  happy. Not only is it now a one stop shop for all Target Cartwheel offers and coupons, but it also offers a built in price checker AND you can pay via the app!

As you peruse Target, pull out the app to scan items to see if there are relevant coupons/Cartwheel offers that you can apply to your purchase.

Are you a Target RedCard holder? You can actually link your card to your app so that you can pay with your phone at checkout!

This app saves me so much money because it makes finding the great deals at Target so easy!

Coupon Sherpa

This app saves my butt every single time I leave the house to go shopping and forget to bring my retail coupons! Standing in line at Sally’s Beauty supply? I quickly open up this app to see if there are any relevant coupons I can use!

I love the interface of this app over other retail coupon apps and I have found that if there is a coupon out there, Coupon Sherpa usually has it available.


I love Groupon. You can save on products, services and travel! I have Groupon on my phone and try to check it on a daily basis to see if there are any deals that will help my family.

You can also use Groupon if you intend to travel. You are not limited to only buying deals in your local area. Say you are traveling to Branson, just plug Branson into Groupon and see what deals you can find! This can be a great and frugal way to travel for less.

Sign up for Groupon here if you have not already!


This one might seem a bit strange. This is a calendar/family organizer that you can use to organize basically your entire life. My family uses the Cozi app and I have a full review planned for later this month about how much we love it (well, I’m not sure the kids love the chore lists…but it’s better than us barking orders at them!).

This app is a money saving app for me because it includes meal planning and from your meal plan, you can make grocery lists! Meal planning and never going to the grocery store without a list are HUGE money savers for me and my family!

We pay for the Gold version of Cozi, which is a bit pricey, but we more than earn that money back in our annual savings.

Gas Buddy

This app will do just what you think it will! It will help you save money on gas! Tell Gas Buddy where you are and it will find the cheapest gas around town for you!

If you are going on a road trip, you can even plan your trip based on where you can find cheap gas along your route!

My Grocery Store Apps

I’m not sure what grocery stores you have near you, but all of my local grocery stores have an app. Their apps all have coupons available that I can either add to my store loyalty card, or I can at least see the weekly ad. In my area, most grocery stores have stopped mailing their weekly physical ad, so I find this super helpful!

Restaurant Apps

Do you frequent your local Starbucks? Are you a Chili’s regular? Regardless of where you tend to spend your eating out cash, be sure to see if that restaurant has an app! Often times, chain restaurants will have apps that link to loyalty programs. The more you frequent their establishment, the more perks you get.

Here are a few of our faves:


Buffalo Wild Wings



Acorns is a way to make saving and investing basically effortless. It works by rounding up your purchases to the nearest dollar and then adding that difference to your Acorns account.

Then, the money will be invested in your portfolio and you will earn a return on your investment.

It takes 5 minutes to set up and is a super easy way to increase your savings with minimal involvement.

You Need A Budget

This app works by going off of last month’s income. The theory is that if you are only spending money that is over 30 days “old”, you will relieve yourself of the neverending paycheck to paycheck cycle that most of society tends to live in.

FYI, you work your way up to this level. They don’t automatically assume you can just stop spending/paying bills this month to free up your income for next month.

This app does require you to hook up your bank account info for it to work effectively. It is highly rated and has great support if you have any issues. This app can be tried for 34 days for free, but afterwards you will have to pay a $6.99 monthly fee.

I have several other apps I use, and several others that I am interested in checking out.

For now though, these are the money saving apps that I am personally most excited about!

Do you have any apps that you love to use to save money? Am I way off the mark on my top 10 list? Let me know in the comments below!

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Heather is the creator and owner of Family Friendly Frugality. She calls Texas home and is married to her best friend. With 2 children 22 months apart, she has her hands full. So full that she decided to start blogging as a hobby. That hobby blew up into a full time job. Now she's got the husband, the kids and the blog. We're not exactly sure what she was thinking, but she's too busy for us to ask. Find Me On Google +

2 thoughts on “My Favorite Money Saving Apps”

  1. Add Walmart app. If you pay using Walmart pay (keep that credit card in your wallet! No need to swipe), it will go out and see if there are cheaper prices and you’ll get refunded (banked) to use savings next time. Returns are a breeze! Start one in the app and shorten the time it takes to return an item. And you can reorder goods fast. Other nice options are included as well.

    1. Okay, I do need to do this. Honestly, we hesitate to go to Walmart unless we have to because our card info has been swiped from there multiple times. 🙁

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