Apps to help youu save

Finweek English Edition - - COVER STORY SAVINGS TIPS - Ed­i­to­rial@fin­week.co.za

When­ever pos­si­ble, save, re-use, re­duce The ad­vent of smart­phone apps has changed the game in terms of be­ing able to man­age and track spend­ing and sav­ing in real time. Here are a few lo­cally avail­able op­tions that are help­ing con­sumers bat­tle the debt trap and keep track of money mov­ing out of their wal­let:

1. 22seven

22seven is a free bud­get­ing and in­vest­ing app de­vel­oped by Old Mu­tual. Users can link their var­i­ous cheque and sav­ings ac­counts, credit and store cards, in­vest­ments, loans and re­wards to the app to con­sol­i­date their spend­ing. Once ac­counts are linked on the app, 22seven has ac­cess to the last three months’ trans­ac­tions from each of them. It iden­ti­fies each trans­ac­tion and au­to­mat­i­cally puts it into a cat­e­gory such as gro­ceries, rent or pets, and adds up what you spend on each cat­e­gory. The app also gen­er­ates a bud­get for you, based on your own pur­chas­ing be­hav­iour.

2. SNAPnSAVE

Who isn’t keen to get money back on their gro­cery bills? This sim­ple, free app lets you know be­fore you go shop­ping what items are reg­is­tered as earn­ing cash-back re­wards. Once the prod­uct has been bought, shop­pers take a photo of their till slip and

up­load it to claim sav­ings that can be used at a par­tic­i­pat­ing re­tailer.

3. PriceCheck

PriceCheck is Africa’s largest prod­uct and fi­nan­cial ser­vices plat­form that al­lows you to com­pare mil­lions of prod­ucts from thou­sands of stores. The in-app bar­code scan­ner lets you in­stantly ac­cess and com­pare prices, ex­pert re­views, store and lo­ca­tion in­for­ma­tion, to see if you can get an item cheaper else­where. Once you’re ready to buy, click through to the store you’d like to buy from and pur­chase the prod­uct im­me­di­ately.

4. Sto­card

The Sto­card app al­lows users to scan sev­eral loy­alty cards, which are then up­loaded au­to­mat­i­cally onto the in­ter­face. The app is then pre­sented at the cash reg­is­ter and all points and dis­counts re­lat­ing to the loy­alty scheme au­to­mat­i­cally ap­ply. This

saves cus­tomers the has­sle of hav­ing to carry sev­eral loy­alty cards at any one time.

5. Fac­tory Shops SA

This app helps you find your near­est fac­tory shops and what they have on of­fer. Aimed at di­rect­ing the user to­wards cheaper re­tail­ers, users search for the type of shop or prod­uct they are look­ing for be­fore be­ing di­rected to the clos­est fac­tory store that meets the re­quire­ments. The app al­lows users to view trad­ing hours, web­sites, email ad­dresses, phone num­bers as well as a GPS lo­ca­tion.

6. Cheapflights.co.za

Cheapflights is a travel metasearch en­gine that com­pares flight prices from air­lines and on­line travel agents. A re­cent sur­vey by Cheapflights has re­vealed that the cheap­est day of the week to fly is a Wednes­day, while the cheap­est months to fly abroad are May and Novem­ber. ■

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