There is no question that when 3pm on a Wednesday hits and you’re looking for spare change for your third coffee of the day, the need to start saving really hits home. And start you will … but not until after that next caffeine hit.

If you fall into the soy-latte-and-avocado-buying generation, chances are you’re always on the hunt for quick and easy money-saving tips. So we’ve found the money-saving tech tools that you need to try if you’re serious about saving money.

Picodi

The worldwide web is full of goodies and sometimes adding a few extra items to your cart will make your day THAT much better. But before you check out, does the thought “maybe I could get this cheaper” ever run through your head? People often forget that when shopping online, you can almost always apply coupons or discounts to get a better deal on your sale. Picodi is an online store that gives you the ability to lower the cost of your shopping without having to bargain with the seller. From stores like Myer to flights with Jetstar, Picodi helps you find the latest promotional codes and vouchers and use them when shopping in up to 485 stores and businesses online. You can even do your grocery shopping online without the temptation of the chocolate aisle, and save money off your total order with a Picodi promo code.

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Automatic transfer

We all know saving can be a pain in the neck, especially on payday when friends want to turn after-work drinks into a long, boozy dinner. So instead of lining up that extra espresso martini – or an express mani-pedi you could easily do yourself – an automatic transfer on your bank account could be your savings saviour. Once a portion of your pay starts flowing into your savings account each week, you’ll quickly start living within your means and hitting your #savingsgoals in no time.

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Splitwise

Whether you’re living in a share house or planning an overseas trip with friends, there’s always someone with deeper pockets than the rest of the group. Rather than being the one who always fronts the cash and never sees the full amount paid back, keeping track of who owes you money is made easy with the app Splitwise. In the app, you can create a group and add in as many friends as you like. From there you can all enter things you’ve paid for (e.g. groceries, cabs, presents or accommodation) and select when your friends need to settle the amount owed.

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Airtasker

Rather than using traditional oddjobbers like cleaners, repairers and even graphic designers, consider websites that connect users with freelancers. People post a task they need done on sites like Airtasker and nominate how much they’re willing to pay. Once the offer is accepted, Airtasker holds the payment until the task is completed. So, whether your lawn needs mowing or your email needs proofreading, there are many savvy people looking to get their side hustle on, thereby saving you dollars. Alternatively, if you’re looking for more cash, becoming an Uber driver or a setting up a freelance gig can be time-consuming, especially if you already have a day job. Again, Airtasker can be the money-saving solution to your cash-flow problem.

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Acorns

Acorns is a program that allows you to automatically invest your small change from everyday purchases into a diversified portfolio. Essentially, Acorns is an app that helps to make investing a small decision instead of a big, complicated one. The app was invented to easily decide how much you want to invest and how much risk you are willing to take. There are two ways to invest your money in Acorns. The first is a lump-sum transfer or recurring deposit, and the second is “round-ups”. The latter Acorns term connects to your everyday debit or credit card and “rounds up” the left-over difference from every transaction. If you spend $2.46 on a coffee, Acorns will invest the 54 cents. Then, once you determine the risk you want to take on your investment, Acorns will automatically invest the money into exchange-traded funds (ETFs). With this app, your small change could go a long way.

Acorns

Image: Pinterest

Feature Image: Pinterest

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