Use Your Phone as a Piggy Bank

"Saving money is easier if you're unaware you're doing it, which is the premise behind SavedPlus' app. The company believes that this savings approach works because it capitalizes on a psychological phenomenon called the endowment effect, in which you place greater value on something you already own than you would be willing to pay for it. Whenever you spend money on one of your registered cards, it triggers an automatic transfer of funds to your savings account."

Check out all 10 best personal finance apps here: HuffingtonPost.com

------- Hat tip: BudgetBlogess.com // Photo cred: Andrew Watson