Best apps for budgeting

THERE are handy apps around that will help you budget and keep track of spending — some even offer clever savings hacks, too:

■ HYPERJAR is a prepaid debit card and budgeting app for monthly bills. You can put cash in ‘jars’ to buy petrol, wine, presents, holidays etc. And while your cash rests in the jars for named firms, they pay a 4.8 per cent reward.

■ PLUM is a useful budgeting app that analyses your spending and sweeps the money it thinks you could save into a savings account. It also shows you where you’re over-paying on bills that could be cheaper if you switched.

■ EMMA tracks your spending and finds out where you’re wasting money on subscriptions and more.