THE BEST APPS TO SAVE AND EARN!

Load up your smartphone with these money-savvy gems

FIND CLEVER CUT-BACKS Chip, free, on Android & IOS

If you connect Chip to your current account, its algorithm will calculate how much you can afford to save without changing your lifestyle. It then automatically stashes money away in your Chip account every couple of days, which you can spend however you want. It’s also encrypted to protect your personal details.

SHARE THE TAB Splitwise, free, on Android & IOS

If you live with flatmates, want to share costs with your partner or often go out for a meal with friends, Splitwise sorts the bill for you. You can track every time someone picks up the tab on behalf of a group and, at the end of the week or month, it works out who owes what and sends people a friendly reminder, so no one ends up short-changed.

SELL HASSLE-FREE Shpock, free, on Android & IOS

Sell your unwanted items in your local area using Shpock. Unlike ebay, there are no fees to worry about and you just take a picture, create your listing and set your price through the app, then someone can collect the goods. Easy.

MAKE CASH WHILE YOU SHOP Topcashback, free, on Android & IOS

Earn cashback while shopping on your phone. Topcashback has partnered with 4,700 brands, including Very.co.uk, Boots and Asda, so you can earn a percentage of your spend when you shop with them. Members can earn an average of £325 per year using the site.

BAG BARGAIN GIFTS Zeek, free, on Android & IOS

For Christmas shopping, Zeek is the perfect app. It’s an online marketplace for the buying and selling of unwanted gift cards and vouchers at discounted rates. Sellers upload their cards or vouchers – from hundreds of retailers, including Amazon, New Look, Topshop and John Lewis – and buyers can purchase them for a discount – as much as 30%, giving you an instant saving.

TOP UP YOUR INCOME Job Spotter, free, on Android & IOS

Download this app, created by Indeed.com, and take pictures of job adverts you see around town to earn points. Upload your images onto the app and you can exchange your points for Amazon vouchers. Some users say they’ve earned up to £30 just by walking around their local high street for an hour photographing job ads.

ORGANISE YOUR BILLS Wonderbill, free, on Android & IOS

This app helps you keep all your household bills in one place – including water, gas, electricity, broadband and mobile. It’s easy to use and helps you track your outgoings. It also recommends tailored switching options, so you can get the best deal according to your lifestyle.