But mobiles don’t have to be a drain on your wallet. Make the most of the spiraling range of money-saving apps and websites available on smartphones and they can actually make your life cost less.
Here are some of the best ways to turn your phone into a cost-cutting gadget:

To make money: the Swagbucks app (Apple, Android, free, or pays users for watching videos or adverts, answering surveys or playing free online games. Dedicated users, who earn as much as £30 a month, receive points that can be converted into gift cards or charity donations

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