Fugitive inflation, expensive prices and not-so-optimistic prospects for the future. The bakery for the scones is not there Economically and at the end of the month, it’s not bad to be able to save a few euros. last year, I used my phone for this purpose more than ever before.more consciously than ever How can mobile phones change control of our finances? exceedingly efficiently.

I want to share with you how I keep track of my accounts, the apps I use, what I discover, and how easy it is to save a few precious euros at the end of the month using just my phone. .

Neobanks and their usefulness

In the world of Neobanks, I started with Revolut by creating an account to avoid paying commissions when paying outside of Spain. Over time it has become a much more useful tool and this Virtual cards that allow such applications are excellent prepaid cards.. In my case, I’m using Revolut, but almost all neobank apps share functions, which I will tell you about.

My Revolut account is currently the equivalent of that prepaid card. Whenever I want to pay a certain amount online, I just send money to Revolut. create a disposable virtual card (disposable) and pay with it so no bank information is stored on Google or the website where I pay. Using neobanks that are not linked to the main account in which we have most of our money is also a way to further constrain spending, at least in my case.

Central monthly expense management

Keeping control of every spending we make can be an almost sick thing, although there are those who know this by heart. in my case i prefer have a global photo of all my spending. There are many apps out there like Speende, but I use the simplest one: Bobby. Bobby is an app to keep our paid subscriptions up to date, but we pay for mortgage or rent, electricity expenses, water etc..

In my particular case, if I earn X, it’s more helpful for me to know that I have Y after expenses, manage that amount of Y and distribute it among savings, leisure and unforeseen expenses. Apps like Speende allow save every euro you spendA good alternative to classic detailed accounting in programs like Excel.

Daily savings

Everything is expensive, but there are more and more apps for daily savings. If we talk about the shopping cart, supermarket apps are a great ally. Many of them have discount codes, they inform about offers and allow us to somehow reduce the cost of the weekly basket.

If we talk about eating out, here are applications such as El Tenedor to both discover new restaurants and to get significant discounts. This is a fairly unknown app in my closest circle and saving between 20% and 40% on each account is no small matter.

In addition to applications such as Waylet to save money while refueling, there are also some applications to find out the fuel prices in my area. With rising gas prices, these apps are being updated more frequently than ever and take a little more care than a few years ago.

Online purchases, cashback and earn euros wherever possible

In addition to apps to buy cheaper or manage my finances, I also use apps that allow me to save in some other way. Price monitors are a great solution, and here Keepa is the perfect tool. notifies us when the price of an Amazon product drops. We can use a Telegram bot or via email, great. It also has an extension for Chrome and shows the price history directly on the Amazon product page.

I use Goin as a cashback app, I don’t really believe in this kind of platform but at the end of the year you will have made a significant payment. Basically, such apps give you back certain pennies with every purchase (supermarkets, stores, etc.). It’s not hard to end the year with 20-30 euros, which is a ridiculous amount, but what could be better for your own pocket than someone else’s?