Best money apps to transform your finances and save you over £300 a year

Apps can help you save money to help beat the cost of living crunch. Smart shoppers are going high tech, so forget clipping coupons from newspapers - the modern bargain hunter is armed with apps, alerts, and money-saving hacks right at their fingertips.

Today’s savvy shoppers aren’t just watching the pennies - they’re letting tech do the hard work, from clawing back cash to sniffing out sizzling discounts in seconds. There’s a growing army of FREE apps out there that help you stack up vouchers, grab cashback, and slash your weekly spend like a pro. It comes after thousands of Brits to get shock letter from HMRC after drastic new tax rule comes into force.

Just do a Google search and you will find them and then you can work out what’s best for you. So whether you're doing the big food shop or eyeing up a must-have gadget, never buy anything without checking what deals are on offer first otherwise you could be missing out on some serious savings!

Also check you existing banking app, most banks, especially the new challenger banks (Monza/ Zopa/ Chase etc) are offering cash back and or ‘everyday spending offers’ – but warning you need to activate these don’t just expect them to automatically apply when you shop.

So, get tapping, downloading, and scanning - because every quid counts, and these clever tools are helping shoppers stay one step ahead in the fight against rising bills. It’s time to outsmart the crisis and put YOUR money back where it belongs - in your pocket!

Don’t forget to check out cashback sites like TopCashBack and Quidco, which offer money back on a range of purchases. TopCashBack members save on average £28.75 per month – so you could save £143.75 before Christmas which will help with the Christmas Shopping.

Users in the community report earning well over £300 a year, even reaching £2,500+ over several years by using TopCashback consistently. It's all just about knowing which tech and websites work in your favour. One of the best-kept secrets in the cashback world right now is JamDoughnut – and trust me, it’s deliciously good.

Here’s how it works:

• Buy a gift card through the app for places you already shop at (think Tesco, Asda, Boots, M&S, Just Eat – the list is LONG!)
• Use that gift card to pay for your shopping like normal at the till.
• Boom! You get instant cashback, often up to 10%, straight into your JamDoughnut account.

For example, spend £100 at M&S using a JamDoughnut gift card – and you can get £5–£10 back just for using the app. Do that across your monthly spending, and you could rack up hundreds in cashback without changing a thing about your routine. It’s money you would’ve spent anyway – only now you’re earning it back.

Next, always check for an online discount voucher before you shopf from sites like Honey, Groupon, Wowcher, and VoucherCodes can help you save more than you think – and those savings add up fast.

Where Savings Typically Come From

• SupermarketsLoyalty apps and vouchers (e.g. Tesco Clubcard, Nectar) – up to £100/year
• Online RetailPromo codes and browser extensions – £100–£300/year
• Dining & EventsGroupon, Tastecard, 2-for-1 offers – £100–£200/year
• Travel & HolidaysVoucher codes and cashback – £100+ per trip