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Published on August 24th, 2011 | by admin

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6 Top Online Money Saving Tools

With regular news stories about rising living costs and increasing gas and utility bills, getting the most out of your money is perhaps a bigger priority than ever before.

The good news is there seem to be more ways than ever to help you stretch your monthly budget that bit more. From online resources to the latest mobile ‘apps’, we have many money-saving tools at our fingertips.

Here’s a list of top tools you could use to save money.

1. BBC’s Mortgage Calculator:
http://www.bbc.co.uk/homes/property/mortgagecalculator.shtml

If you’re looking for a fast, effective way of working out your mortgage repayments every month, this mortgage calculator could do the work for you. All you have to do is enter the amount you wish to borrow, how long you wish to pay it off over and the interest rate – and you’ll have an answer in seconds (just a guide, though: you’d still need to get a personalised calculation before you think about committing to anything).

2. Think Money’s Debt Consolidation Calculator:
http://www.thinkmoney.com/debt/debt-consolidation/calculator/

If you’re looking to get a debt consolidation loan, this calculator can help you calculate what your monthly repayments could be. You just need to work out the size of the loan you want to borrow to consolidate your debts, along with the probable interest rate and repayment period (again, this is just a guide that provides an ‘illustrative’ example).

3. The Guardian’s Tax Waste Calculator (powered by unbiased.co.uk)
http://www.guardian.co.uk/money/interactive/2009/jun/18/tax-waste-calculator

Are you paying more tax than you need to? Taxation isn’t generally regarded as one of the most interesting subjects, but if you’re paying too much tax, you could get a substantial return. By answering a few simple questions about your details and tax status, this calculator could give you a basic indication of how much money you might be wasting in tax.

4. iPhone Currency app
http://itunes.apple.com/us/app/currency/id284220417?mt=8

If you have an iPhone, there are more than 85,000 applications – or ‘apps’ – that could make your life easier at the touch of a screen. If you’re planning a holiday or a trip abroad, this app provides up-to-date exchange rate information for more than 100 countries and currencies – helping you to make sure you get the best rates. What’s more, it’s completely free.

5. iPhone Red Laser app
http://itunes.apple.com/gb/app/redlaser-barcode-scanner-qr/id312720263?mt=8

Calling bargain hunters everywhere! This clever bit of technology comes with a built-in scanner you can use to scan barcodes on virtually all consumer goods – and will then search online for the best available price. Perfect for holding stores to their ‘best available price’ claims – and again, downloading it won’t cost you a single penny.

6. Android Loot app
http://androinica.com/2010/06/loot-free-for-android-helps-you-keep-track-of-and-organize-your-finances-app-reviews/

If you have an Android phone, this free application could help you to keep track of your money while on the go. It’s basically designed to work like an electronic notebook – allowing you to keep on top of multiple accounts and keep a record of any withdrawals and deposits you make. You can even check your balance on it too. And again, it’s free…

Guest post by Daniel Culpan, a finance expert at Think Money.

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