[--- Reading Time: 3 minutes ---]

We keep our phones next to us almost every minute of the day. So why not turn your texting, calling, Facebook checking, game playing companion into a money and time saving tool as well? Check out these 10 apps that can help you save time and money on a daily basis.

Money Tracker
by Bill Guard
Android, iOS
Free

Connect Money Tracker to your financial accounts and you’ll have a dashboard for your financial life. The app will track your spending and match it against a budget that you set for each category. It will also alert you to fraudulent activity and let you ask for a refund with a tap on the “Unauthorized Charge” button.

SavedPlus
by SavedPlus
Android, iOS
Free

This app makes saving money automatic. Every time you use your credit or debit card SavedPlus will transfer a percentage you set from your spending account, like your checking account to your savings account. If I set it to save 10% and spend $100, $10 will automatically transfer to my savings account.

GasBuddy
by GasBuddy
Andriod, iOS, Windows, Blackberry
Free

Using your phone’s GPS, GasBuddy will locate the cheapest gas price at the stations nearest you. The information is updated by GasBuddy users who receive points toward a prize give-away for every gas price reported.

Price Check by Amazon
by Amazon.com
Android, iOS
Free

This is a really handy app to have if you love shopping on Amazon.com, specially if you’re an Amazon.com Prime member. Scan a barcode, take a picture or just say what you want and it will check the price for you. Of course you can buy directly from the app, but reading product reviews can really help with the decision to buy or not.

Favado Grocery Sales
by Favado
Android, iOS
Free

Save 50% to 70% off your weekly grocery bill by comparing weekly sales across all of your local grocery and drug stores. They even list “secret sales” that you would only find out about when you visit the store. Favado will also let you know when there are coupons for items which are currently on sale for even greater savings.

RedLaser Barcode & QR Scanner
by RedLaser
Android, iOS, Windows
Free

Find out what the best price is either locally or online for any item you can scan or take a picture of. If you find a better price, you can buy right from your phone and have it shipped to your house or ready for pick-up in-store from your nearby retailers.

RepairPal
by Repair Pal
Android, iOS
Free

Get an estimate on a repair or maintenance to your car before you go to the mechanic. Select the make and model of your car and choose from a long list of possible repairs and see a range of what the repair cost might be including parts and labor. Using your phone’s GPS it can even locate the closest repair shop.

GoodRx
by GoodRx
Android, iOS, web
Free

Find the lowest prices for your prescriptions at local pharmacies. GoodRx doesn’t ask for any personal information and will provide coupons, discounts and savings tips for your prescription.

Waze
by Waze
Android, iOS, Windows
Free

This app can save time and money. Waze users share information about their commute including construction, traffic and other road alerts to help you bypass traffic, save time and gas money. Keep the app open as you drive and you can report events as you drive, hands free. Waze also helps find the best gas prices near you.

Key Ring
by Key Ring, a Gannett Company
Android, iOS
Free

Without a doubt, store loyalty cards help you save money, but if you keep them in your wallet, purse or your car key ring, they can get lost or become too bulky. Key Ring lets you scan all of your loyalty cards, even your library card, and keep them organized in your phone.

All these apps are great for every day use, but keep in mind that when tax season comes, the easiest and fastest way to get the biggest possible refund is by efiling your income tax with www.ezTaxReturn.com.