Go on, be lazy – it’s good for your bank balance!

How on earth can being lazy save you some money, or in some cases make you richer? The first thing you need to know is that not all types of laziness were created equal! You don’t want to be the type of lazy that spends money unnecessarily, on things that are not really worth it. But you can give yourself a break if you’d rather take the easy route when it comes to saving.

Here are the best apps that make saving money (or making some) a breeze, giving you more time to take it easy:

Acorns

How much do you know about investing? Probably not that much – only that it takes money, time and effort to make investments, and even then it’s a bit of a gamble. With Acorns you can get started, but on a small scale, without much effort at all. Acorns works by rounding up what you spend to the next round number then keeps the spare change. They then use this money to an ETF, rather than a savings account. You can choose the type of investment you want to make, on a sliding scale from conservative to aggressive, look into the portfolios, or just sit back and do nothing and let them automate your money making! Don’t think that you’ll make mega bucks with Acorns, but it’s always nice to get a little something back, especially if you would have wasted the money anyway.

Tip Yourself

The best way to save is to ‘pay yourself first’, which basically means that before you spend anything, make sure you take some of your money and put it into savings. Tip Yourself lets you do this without much effort at all. The great thing about Tip yourself is that any moment you can save some money, for any reason at all. You can also set yourself savings goals in-app, and it will tell you if you are on track to make your goal.

Monese

Monese enables you to continue to have control of your finances no matter where you are in the world. With the Monese app, you can send and receive money in real-time, no waiting. You can make currency transfers for only 0.5% above the mid-market rate; which is one of the best rates available. Using our app you can also make payments, check your up-to-date balance, review your transactions, get paid to invite friends – plus much more.

monese

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