Saving money doesn’t come easy, especially for the Generation Y but you can easily set up a personal emergency fund by changing you spending habits and spending with savings in mind. You can save yourself the future headaches of a reliable funds by setting personal financial goals and actually working towards it.

As difficult as it may be, you can still make a small sacrifice now and save towards the future by changing your spending habits or better still by making monthly commitments you can fall on in case of emergency.

These personal finance and savings apps can be helpful as you plan to save for the future.

1. Hukkster

Hukkster will tell you when products go on sale – so build your holiday lists now and get your hands on gifts you can actually afford!

It alerts you to price drops and coupon availability so you can snag an item you’ve been targeting at the cheapest price; or use it to ask for a price adjustment if something goes on sale shortly after you buy.


2. Cellfire

Cellfire is a provider of digital coupons, delivering millions of coupons each week. This tool sends discounts directly to your loyalty card during checkout, eliminating the need to pick up those circulars. There’s also an alert feature that reminds you about in-store coupons as you browse.

2. Viggle

Earn points for watching television shows. You can redeem your Viggle Points in the rewards catalog for electronics, trips, and gift cards from your favorite retailers.

Earn bonus points for watching featured programs; you can also earn bonus points through promotions and games.

4. BillGuard

This app protects you against “grey charges,” such as hidden fees, billing errors, free-to-paid charges, scams and credit card fraud.
BillGuard will also alert you when a user has flagged a charge similar to one in your account.

The app also searches the web for coupons that will lower your bills based on your spending patterns.


5. Favado

Favado is a mobile savings app that helps you stop overspending by notifying you when your favorite items are on sale. You can quickly search and find out which local store has the lowest prices for the items you buy each week.

Get notified when new sale prices for your favorite items are added to the weekly sales lists for your stores.

6. SavedPlus

SavedPlus helps you save money every time you spend. Connect your accounts to SavedPlus and select the percentage of every purchase you’d like to save. Every time you buy something, a dollar value will be transferred to your savings account.

It works like a sales tax by adding an extra percentage on each transaction and transferring it from a source account to a savings destination account.


7. TheFind

Connect to TheFind with Facebook to set up a personalized shopping hub. Save your favorite stores and brands to your account and receive alerts when your favorite products go on sale.

You can use the mobile app to scan barcodes and receive price alerts, plus share scanned and searched items with friends.

8. Appsfire

If You hate paying for apps, you can  use this curated service to find the best app deals, receive personalized recommendations, and set up price alerts for paid apps you’d like to purchase.

Discover and share your iPhone and Android apps with anyone.

9. SnipSnap

Snap a photo of a printed coupon and SnipSnap will recognize all the text and images, and turns it into a mobile-ready offer. You can also search the database of printed coupons on the planet. Connect with friends and see what coupons they’re snipping.

Get push notifications when your coupons are about to expire, and location-based reminders when you arrive at a store you have deals saved for.