We all know how much it hurts to see your bank balance go down.

When it comes to spending money, you want to hide that credit card, wonder were that extra R20 went and trek from store to store in search of cheaper products.

This tedious task is amplified by making sure you actually have your bank or credit card on you after swapping bags. 

This is why you need these top financial apps in your life. They can be downloaded on your android or IOS device.

Whether it is notifying you on 2-for-1 burger specials or transferring money from your current account to your savings account, with these apps it has never been easier or more convenient.

Here are 6 apps that will ensure you know where your money is going and what will make your finances that much easier:

1. FNB, ABSA, Nedbank and Standard Bank online banking apps

Track your transactions, transfer money, pay for your prepaid accounts and manage your spending. Using these apps will save you from waiting in line at the bank. Just make sure you are registered for online banking before downloading the app. Subscribing for online banking is completely free.

Get the apps here:

ABSA:  Android; iOS | FNB: Android ; iOS | Nedbank:Android ; iOS | ABSA: Android ; iOS

2. PriceCheck Mobile
    Andriod

    iOS

This mobile app allows you to find the cheapest option available when you go shopping. Simply scan a barcode and PriceCheck will compare the prices with those of other stores. So no more unnecessary spending when there may be a perfectly cheap alternative around.

3. SARS eFiling
    Andriod
    iOS

We all dread the day we need to head on over to SARS to pay out our taxes. Now you can do this in the leisure of your own home by simply going into your app and completing your Income Tax Returns online.  You can also see view your annual assessments and pay for duties and levies. SARS efiling is also an easy way to stay updated with your tax returns and submissions without actually going to SARS.

4.  Snapscan
     Andriod
     iOS

No need to carry your bankcard around with you anymore. This, easy to use, app lets you pay for items by scanning a barcode. Snapscan can only be used in shops/restaurants that have a Snapscan barcode available so always double-check whether you will actually need that bankcard after all.

5. Groupon
    Andriod
    iOS

This app is perfect for all the discount hunters out there. You can receive daily deals and specials of restaurants, spas, hotels and salons. The app also helps you discover cheap things to do in your area that you may never have heard of before.
It helps you save that extra penny by keeping you up to date with huge discounts.  

6. 22seven
    Andriod
    iOS

Now you can finally see all your money in one place. 22seven also lets you create a personal budget plan and know exactly where your money is going. This app gives you the insight you need to know whether you are saving or losing your money.

Need some more financial advice in your life? Check out:

How to live the high life for less

10 ways to save on your cellphone expenses

Why anyone can save (and invest) money

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