IT’S one of the most depressing weeks of the year as many of us face a debt hangover from Christmas and payday is still some way off.
But try not to get down about your finances. Em vez de, why not download a budgeting app that can help put you back in control? It will let you keep an eye on different accounts in one place, check spending and set goals.
Save using these top budgeting apps with our Sun Savers tips
We spoke to Damien Fahy at moneytothemasses.com for a rundown of some of the best tools and what they offer . . .
EMMA: This is a free app but you can opt for more features at an extra cost. It lets you see all your accounts in one place to track spending and puts your buys into categories. You can set budgets and it helps you ditch unnecessary subscriptions by highlighting your regular payments. It also sends updates to keep you on track.
MONEY DASHBOARD: Another free app like Emma, this categorises spending, such as household bills and groceries, so you can see what you have left after paying for essentials. It allows you to set multiple budgets for different categories of spending. It also notifies you of overspending and lets you set future goals.
Mais lido em dinheiro
MONEYHUB: Costs 99p a month, or £9.99 for a year, but the first six months are free. Offers similar tools and functions to free apps Emma and Money Dashboard — so it might be worth seeing if you like those before paying for this one.
MONZO: A digital bank account rather than a budgeting app, but it has many of the same useful features. You can set goals and budgets and it offers a clear summary of spending. It lets you round up outgoings to the nearest pound and save the change into a pot.
STARLING BANK: Also a digital bank, this app has great budgeting features. It gives real-time updates to help you track daily spending, and offers insights to help you cut back.
Like Monzo, you can round up spending and sweep the pennies into a savings pot. You can reach your savings goal faster by multiplying these round-ups by two, five or ten.
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Troca de topo
WHO knew that having a purse on your boots would be the latest fashion? Buy Prada’s trendy ones for £1,250 – or save a bundle to put in your new ankle purse with Studio’s £17 version.
SALVE : £1,233
Uma garrafa de 70cl de vodka de limão Absolut custa £ 20,50 na Waitrose
BOOTS is bringing back Price Advantage – so if you have a Boots Advantage Card you will get discounts on 150 products each month. Savings include Aveeno shampoo, down from £8.99 to £4.50, and L’Oreal anti-wrinkle serum, down from £24.99 to £16.60. To save, download the Boots app and sign up for the card.
Shop & save
ICELAND has four cartons of its own-brand apple, laranja, mango or tropical juice for £3, normally £1 each.
SALVE : £ 1
BOOTS has halved the prices of selected vitamins, including own-brand kids’ multivitamins for £2.24, down from £4.49.
O que há de novo
ROBERT Dyas is having a mega January sale, with offers up to half price on furniture, kitchenware, electricals, cleaning and health products. A Mixx F1 FitnessTracker bracelet is £19.99, down from £39.99, and a Flite Revolution hybrid bike is £159.99, down from £209.99.
CADBURY’S Milk Chocolate Fingers are down from £1.50 to 95p for Tesco Clubcard holders.
SALVE : 55p
Deal of day
HALFORDS has cut its car- cleaning bundle from £10.49 to £7. Go online and use code Sale10 for an extra ten per cent off, making it £6.30.
SALVE : £4.19
Uma garrafa de 70cl de vodka de limão Absolut custa £ 20,50 na Waitrose!
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Todos os meses, oferecemos £ 100 para 250 leitores sortudos – se você está economizando ou apenas precisando de algum dinheiro extra, O sol poderia ter coberto.
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Para participar vá para sunsavers.co.uk ou abra o aplicativo Sun Savers.
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