New Mobile Apps Help You Find Unexpected Savings

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Apps phoneMobile apps can be a tremendous asset in keeping a financial plan on track, whether they're helping you keep travel expenses in check or make smarter money decisions. The latest round of new mobile apps and upgrades can help users avoid paying full price on just about anything.

The Blue Envelope Goes High-Tech

The ubiquitous blue Valpak envelope that has long appeared in mailboxes everywhere with coupons for local businesses has gone high-tech.

The Valpak app -- free to download and use, with no account creation required -- attempts to mimic the ease of opening the envelope and sorting through the coupons. It's the company's solution for shoppers who are on the go, says Nancy Cook, vice president of digital products for Valpak. "We've taken that the simple, streamlined experience of the blue envelope to the phone and the iPad."

"The envelope is good for someone who comes home and opens their mail, and sorts through which offers work for them and which ones don't," Cook says. "This is a different experience than someone who is driving around with their husband, looking for a place for dinner and receiving alerts about local offers."

The Valpak app works with the user's phone's location services to recognize the closest offers, and partners with Google Wallet and Apple Passbook to store and sort coupons digitally.

Upgrade to an Aisle or Window Seat (for Free)

Stuck sitting near the airplane restroom? Crowded in a middle seat between two screaming toddlers? TripIt Pro (the upscale version of the free TripIt app) recently added a Seat Tracker function that shows which seats are free on a flight. Airline willing, travelers can change seats within their fare class and fly happier without shelling out for an upgrade.

In addition to the Seat Tracker tool, TripItPro also features a refund tracker, which will monitor the price of the fare at booking and notify the user if there are any changes. Travelers will receive immediate alerts of flight changes or delays, allowing users to get a jump on re-booking flights. It also tracks and manages rewards programs. This isn't your everyday app, and its $49 annual fee (with a 30-day free trial) reflects it.

For those who travel less frequently, the standard TripIt app is available for free (or $.99 if you don't want ads on your app). Users can store and share travel itineraries, reservation confirmations, and area maps.

Scoring Tickets

Anyone who's ever been stuck in the rain waiting to buy Radiohead tickets can appreciate the Gator Locator app from concert ticket website Razorgator. The free app allows concertgoers to buy and sell last-minute tickets without transaction fees.

"This is the first mobile app that gets tickets into the hands of ticket buyers without fees of any kind. Ticket buyers will save an average of 20-30 percent on every ticket," said Nima Moayedi, CEO of Razorgator, in a press release.

The Gator Locator app shows concerts in most major U.S. markets (except Washington, D.C./Baltimore) and is expanding nationally. It's currently only available for iPhone, but an Android version is expected soon.

Better Than a Loudspeaker Announcement

The online couponer RetailMeNot launched an updated app that allows users to search for coupons for stores in particular shopping malls, request coupons for specific stores, and gain recommendations for stores based on previous searches.

Users can opt in to receive alerts when they enter geo-fenced areas (i.e., mall boundaries). Customers can save coupons for a later date, browse and shop online, or search daily specials. It's free to download and use for iPhone and Android. The Android version will have location-based searches later in the year.

7 People-to-People Apps to Save Money, As Long As You're Willing to Share
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New Mobile Apps Help You Find Unexpected Savings

Founded in San Francisco in 2008 with a coinciding app released early this year, Airbnb is a home-sharing service which opens your house or apartment to strangers looking for a place to crash. Conversely, you can use Airbnb to find a place to stay without ever renting out your own place. The company currently offers more than 100,000 listings in over 192 countries, and boasts 5 million nights booked.

Airbnb is not only great for finding a cheaper nightly rate. Fewer hotel rooms also mean fewer carbon emissions. Of course, renting out your room to a complete stranger always comes with a risk, as one woman discovered last July when she returned to find her home ransacked by meth addicts. In response to this incident, Airbnb significantly increased its insurance coverage.

Launched early this year in New York, CLOO' stands for Community + Loo. Yep, it's an app for sharing bathrooms. According to its website, "CLOO' is based on one simple truth: We all have to pee." CLOO' has a network of registered users, or 'hosts,' who have offered up their bathrooms for a small fee. The app even offers a "community rating" of hosts, so that you can consider both safety and sanitary precautions before selecting a spot. The app also utilizes social media outlets such as Facebook (FB) and Twitter to help you identify nearby hosts with mutual friends, "turning a stranger's loo into a friend of a friend's loo." Finally, finding a clean, available restroom in the city is no longer an impossible task.

The Local Dirt app allows users to locate, buy, and sell local foods in their area. Launched in early 2008 in Madison, Wisconsin, the concept not only supports local economies, but also cuts out the high emissions spent on transporting grocery products across the country. Better yet, Local Dirt is funded by the National Science Foundation, so it's free for the rest of the year. Unfortunately, this perk ends December 31, 2012; from that point on, membership will be $360 annually. Still, this is a low price to pay for access to fresh, local products year-round, and chances are you'll still pay less than you would at your local Whole Foods (WFM). Businesses and large organizations can typically have their orders delivered; individuals usually have to go to the source to pick up their local goods.

Launched in 2009, San Francisco-based ThredUP is a start-up website designed to help busy parents save money by giving them the opportunity to buy and sell their children's hand-me-down clothing. Since kids grow so quickly, they outgrow their clothes at an alarming rate. ThredUP will pay you for your kids' outgrown duds, as well as give you access to popular kids' brands up to 75% off. The best part is you can do all of this from the comfort of your own home -- just leave your bag of used clothes at your door, and ThredUP will take care of it for you, shipping costs and all.

For those looking to buy, there is a $6.95 flat shipping rate; orders typically arrive in seven to 10 business days. While ThredUP is currently only available in the US, the company hopes to expand into international markets by the end of this year.

A self-proclaimed Netflix (NFLX) for books, New Jersey-based Bookswim is a book-rental service with no due dates, late fees, or shipping fees. There are four different schemes -- a customer can rent either three books, five books, seven books, or 11 books at a time, and pay rates ranging from $23.95/month to $59.95/month. BookSwim advertises availability to both New York Times (NYT) bestsellers as well as classic literature. It also features personalized reading recommendations, updates for when your favorite authors publish new books, and the option to purchase any book you borrow at a discounted price, should you choose. The site is also devoted to conservation; not only does the start-up conserve paper by reusing books, but they have also pledged to plant a tree for every gift card bought. To date, BookSwim has saved enough trees to reduce carbon emissions by 10 metric tons.

Popular among fashionistas of all ages since its launch in late 2009, Rent the Runway allows women of any income bracket to enjoy designer dresses and accessories at only 10% of the retail cost. Based in New York City, Rent the Runway offers both a four-day and and an eight-day rental option, and covers both shipping and dry-cleaning costs. To ensure the dress fits, you're allowed one back-up size free of charge with each order. Rent the Runway also offers free stylist consultations to help you decide which dress is your best fit. (See related story: Will "Ethical Fashion" Become the New Norm?)

The be-all end-all of the sharing economy, San Mateo, California-based Rentalic launched in 2010 as a person-to-person marketplace for renting any and all reused goods, ranging from wheelbarrows to mini vacuum cleaners to VW Beetles (VOW.DE). It's not limited to items, however; the Rentalic marketplace also offers services and real estate as part of its renting platform. Like most of the previously mentioned innovations, Rentalic not only increases usage of items we already have or that are already in use, but also strengthens community ties and helps out the environment.


Photo Credit: Retail Me Not and Valpak
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