If you think that iPhones are out of reach for a frugal person in these tough, economic times, think again, they can actually SAVE you money! If you currently own one or plan to buy one soon, check out the applications listed below to keep more of your hard-earned cash! I am not the least bit technical but my children are....I've found it's easier to find someone net savvy to download and install these applications....then have them teach YOU how to work them!
iXpenselt - you can very easily track your expenses.
It's an amazing application to manage your money. You simply enter your monthly budget in it and it will graphically display your purchases by putting them in several categories. It is also possible to store digital photos of receipts in iXpenselt. The concept behind it is - those who can easily organize their money well will have more of it to spend and invest.
Coupon Sherpa: the premise is quite simple: It displays a list of retail businesses, and tapping through you can see available coupons for each store. From there, you can tap the coupon, and it loads in the Safari browser. You’d present your iPhone to the cashier, who can scan the coupon off the iPhone screen with an optical scanner, or simply punch in the barcode.
Frugal Golf GPS:
Frugal Golf GPS by MapMuse is an inexpensive and simple to use tool that uses the iPhone’s built-in GPS to give golfers real-time yardage from their ball to any pin marked on the golf course.
This app is for DIY (do it yourself) individuals. Simply use the app to create a course by marking and saving pin positions either prior to play or while on the golf course. You can mark center of greens, front and back of greens, and hazards. Once you have marked a course there is no need to do it again but you can edit your pin positions whenever you want.While playing simply select a pre-marked pin to get an accurate distance from your current location to that pin. You can also manually refine your current position by selecting manual mode. Simply move your ball to get the yardage to the currently selected pin position.
If you are familiar with the course it should take less than 10 minutes to set up a course. Otherwise you can go to the course’s website and view the course layout to identify green locations. As examples we have marked the center of greens for two famous courses: Pebble Beach Golf Links and Augusta National Golf Club, home of the Masters.
Stanza -
Download Stanza, the premier e-reader and access over 40,000 books and articles through this application. It's not FREE - but Stanza charges you much less than the bookstores. If you are a voracious reader and buy a huge number of books, then consider this application to save a lot of money
Bill Tracker - It manages all your bills in one place. You can be aware of all your payment related things through this nice application. Time to say bye-bye to late fees
Cheap Gas - This application is completely FREE. Now you can easily search to find the cheapest gas in your area just by entering your zip code. Cheap Gas will provide you with a list of gas stations and gas prices in your area.
Debt Tracker Pro - It manages all your bills in one place. You can be aware of all your payment related things through this nice application. Time to say bye-bye to late fees
Truphone - lets you make free calls over a Wi-Fi network. Now you can make calls to other connected Truphone, skype, Gtalk users for free no matter where you are in the world. Truphone uses VOIP technologies. It can help you to reduce your monthly telephone bill in a major way.
BetterDeal This 99-cent application lets you compare prices of packages to see which is, well, the better deal.
Grocery Gadget: A Review from FinanceDad.com - “With Grocery Gadget and Grocery Gadget Lite, say goodbye to paper shopping lists! The Grocery Gadget shopping list applications for iPhone and iPod Touch are perfect for the household member who regularly shops at supermarkets, pharmacies, convenience stores, office supply vendors, or any other provider of consumable goods.
Save time and money by preparing and managing reusable lists that are always at your our fingertips. Easily arrange list items in the same order you keep them at home, so you can quickly zip through your pantry, refrigerator, bathroom, laundry room, etc. and easily mark items for purchase.
Describe a list item in precise detail, by taking a photo that’s worth a thousand words. With the Grocery Gadget, you’ll create quick photo-enabled shopping lists that get you through the supermarket in record time; even if someone else has created the list.”
Kids Eat Free:
Designed to be the fastest and easiest way to look up the days restaurants near you have cheap or free kids’ meals.Information on what deals are available is completely user-managed, so if your area does not list anything, please enter it. It takes less than a minute to add a new entry.
Fring
This applications will let you make free local calls over a Wifi network. You can even make cheap international calls, which can help cut down on your monthly phone bills. Best of all, this app is currently free for download.
Mint.com:
This cool app allows you to track your budget and finances with the tap of a finger and while you’re on the go and away from your computer.