Smartphone Smarts: How to Get More Value from Your Device (and Your Money)

Smartphones are everywhere. We use them to chat, shop, scroll and stream. But your phone isn’t just for fun. It can also help you save serious money.

From tracking bills to spotting better deals, a few smart habits can turn your phone into a money-saving machine. Let’s look at simple ways to make your device work harder for your wallet.

Track your subscriptions easily

Most of us sign up for things and forget about them. Streaming services, apps, gym memberships. They all add up.

Your phone can help you stay on top of these costs. Use built-in tools like your app store’s subscriptions list (on Android or iPhone) to see what you’re paying for each month. You might be surprised how many forgotten subscriptions are quietly draining your balance.

You can also try free apps such as Emma and Snoop. They link to your bank account and show all recurring payments in one simple view. From there, you can cancel what you don’t use and save money instantly.

Tip: Set a monthly reminder on your phone to review your subscriptions. It only takes five minutes, but it could save you money each month. 

If you’re due an upgrade, it’s also worth checking O2’s Black Friday & Cyber Monday deals. Big seasonal sales like this often include discounts on new phones, SIM-only plans, and accessories. They can help you get more value for money.

If you find a deal you like, grab a screenshot or add it to your notes so you can compare prices before buying. Simple habits like this can stop impulse spending and help you catch the best savings.

Automate your savings and bills

You don’t need to be a finance expert to stay organised. Your phone can handle the hard work for you.

Use your banking app to set up automatic payments for bills. That way, you’ll never forget a due date or get hit with late fees.

Many banks also allow you to set up auto-savings. Every time you spend, they round up your purchase to the nearest pound and move the spare change into savings. You’ll hardly notice the difference, but over time, it adds up.

Apps like Chip, Plum, and Monzo make this even easier. They analyse your spending and automatically move small amounts into your savings when you can afford it. It’s a simple way to build a cushion without thinking about it.

Manage your energy and data usage

Your smartphone can help you save money on everyday essentials too.

Start with your mobile data. Go to your phone’s settings and check how much you’re really using each month. Many people pay for large data bundles they never use. If you regularly have leftover data, switch to a smaller plan and save the difference.

You can also use your phone to control your home energy usage. Smart home apps linked to thermostats or plugs help track what’s on and what’s wasting power. Even simple habits, like setting timers or turning off standby devices via your phone, can cut bills.

It’s about using your phone to see where small changes can make a big impact.

If you’re also looking to cut household costs, explore the Virgin Media Black Friday deals. They often include savings on broadband packages and home bundles that can lower your monthly bills while keeping you connected.

Make cashback and loyalty apps part of your routine

Cashback and loyalty apps are an easy win. They give you money back just for shopping as usual.

Download apps like TopCashback, Quidco, or Airtime Rewards. Before buying online, open the app and shop through their links. You’ll earn a small percentage back on each purchase.

If you’re an O2 customer, Airtime Rewards can even reduce your phone bill. The switch will save you money automatically.

Supermarket apps, such as Tesco Clubcard or Nectar, also store digital loyalty cards on your phone. You’ll earn points and access special discounts without carrying plastic cards.

By using these apps consistently, you can save hundreds over a year with no extra effort.

Avoid impulse buys

If you use it wisely your phone can also protect you from overspending.

Turn off notifications from shopping apps or marketing emails that tempt you to “flash sales” or “exclusive offers.” Those alerts are designed to make you buy quickly.

If you spot something you want, use your notes app to make a 24-hour list. Write it down and wait a day before deciding. Often, you’ll realise you didn’t need it after all.

There are even apps that block access to certain shopping sites during times you want to avoid temptation. Small steps like these help you stay in control.

Final thoughts

Your smartphone is one of the most powerful tools you own. But it’s not just for scrolling — it can help you budget, save, and spend more wisely.

By tracking your subscriptions, finding better deals, and using smart apps, you can turn your phone into a personal money-saving assistant.

Next time you pick it up, ask yourself: Is my phone costing me money — or helping me save it?

A few smart tweaks can make all the difference. Start today, and let your phone work for your finances, not against them.