Top 3 Money-Saving Apps to Download Now

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Savings Apps These days, your smartphone may be the key to getting the lowest prices on groceries, clothes and more. Here are the top three money-saving apps, which, of course, you can download for free.

If you're headed to the supermarket to buy groceries, Cellfire is a must-have app. This handy 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.

For those who want to take a trip to the mall, try RetailMeNot. This app provides thousands of in-store and online discounts for shops and restaurants, and also offers location-based alerts, which are extra convenient.

For on-the-spot savings, try the RedLaser app, which turns your smartphone into a barcode scanner. By scanning the barcode of a desired product, you'll instantly get detailed item descriptions, reviews and tips on where you can get the best price. This app has been around for a while, but it's a must-have that has withstood the test of time.

So, make sure to download before you shop. If you keep your phone loaded with these three apps, you won't have to spend a dime to save a few bucks.

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Top 3 Money-Saving Apps to Download Now -- Savings Experiment

There's a sale at Penney's!

Yes, the deals are back with a vengeance at J.C. Penney (JCP) after the "fair and square pricing" experiment turned into a debacle. In August alone, there were more than 20 sales and coupons. Some of these were specific to product lines, but there were plenty of across-the-board sales, including a 20 percent-off online sale, a $10-off-$25 apparel coupon, and a 25 percent off sale that was good in-stores and online. In fact, more than half the days in August saw some kind of universal sale at the retailer. And even when there wasn't a big sale or coupon, there were also a number of department-specific sales, including a sale offering 40 percent to 50 percent off in the bedding, bath, window and luggage departments.

Express (EXPR) is a big fan of sales of the "$25 off $75, $50 off $150" variety, and which apply to the vast majority of merchandise in stores or online. Over the period we examined, you were never more than a few days away from a sale on all or most of the merchandise sold by Express. There were also sales that took took an extra discount off clearance items.

Bottom line: If Express isn't having a sale, you should probably just check back later that week.
Dealnews confirmed what my inbox already told me: Banana Republic has a lot of sales, and they're usually very good. In July, for instance, it had five sales that all offered between 30 percent and 40 percent off.

Yes, sometime there's a lull of a week or so, but the magnitude of the discounts means it's almost always worth the wait. Sure, if you urgently need a new shirt for a job interview, you might have no choice. But if it's not a clothing emergency, why spend $100 when you can wait a few days and spend $60? 
The Gap is owned by the same company as Banana Republic, and it shares its enthusiasm for sales: Over a two-month period, it had nine sales that applied to all or most regularly priced items, so you're rarely more than a week away from a sale there. Discounts tended to fall in the 30 percent to 40 percent off range.

And what of Old Navy? The third of the Gap brands is also the cheapest, and that's probably why it's less keen on having big sales that take 40 percent off everything in the store. There were a few sales in the 20 to 30 percent-off range, but in general, the sales we saw were of the "up to 40 percent off activewear" variety. You can wait around to see if something you want goes on sale, but otherwise you might as well just take advantage of the already-low prices here.
It's not news that Macy's (M) holds a lot of sales. Take June, for instance: The retailer had five different sales or coupons that offered a discount on most items.

But a couple of caveats are in order. One is that the sales are relatively modest in value -- we found a couple of coupons offering $10 off $25, or 25 percent-off $100 or more, but for the most part, you're looking at sales in the 15 percent off range. The other is that the sales pretty much always carry a ton of restrictions and exclusions, to the point that it will take you a while to read all the fine print.

So yes, it's usually a good idea to wait for a sale at Macy's. But once it arrives, it might not save you much money -- and it might not include the thing you're hoping to buy.
Staples (SPLS) tends to offer a variety of sales and coupons that mark down everything in stores. But a word of warning: They don't happen like clockwork like you see at Express or Banana Republic, and sometimes the well will run dry for a couple weeks.

Take July: The month started off with a coupon offering 20 percent off any one item, which was immediately followed by another coupon offering $5 off $30. But then things quieted down for about a month: There were a few department-specific sales ($30 off any one tablet, for instance) and one sale that was exclusive to rewards members, but no across-the-board sales. Then in mid-August we got another two-week period with good coupons, and now we're once again in a dry period for sales.

So if you're going to Staples for something you don't need right away -- a new laptop, for instance, or a shredder for your office -- you might consider waiting a few weeks to see if a coupon pops up. But if you urgently need some office supplies, don't bother waiting around.
Of the 20 retailers we looked at, these were the six that tend to have frequent sales or coupons that discount everything in the store by a fixed amount.

But plenty of retailers that didn't make the listed still have their share of sales and discounts. Large department and discount store like Walmart (WMT) , Target (TGT) and Sears (SHLD) tend to have low prices across the board and mainly hold their sales on very specific products, product lines or departments; as such, it doesn't make sense to wait around for a big coupon to discount the product you have your eye on. There are also retailers like Aeropostale, which has a lot of sales but tends to use phrases like "up to" and "select items," which makes it hard to know what's on sale and how much an item is discounted.

That's not to say that you aren't getting good deals at these places. But they're tough to predict, so don't spend all month waiting for the coupons of your dreams to show up in your inbox. 

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