Save Money is a topic that’s at the forefront of every American’s mind.

Whether you’re saving for retirement or you’re trying to build an emergency fund, setting money aside is essential for your future. Unfortunately, two-thirds of Americans aren’t saving enough money for retirement, according to a Bankrate survey.

It isn’t easy saving money if you’re living paycheck to paycheck. However, if you tap into technology, there are a few ways you can put more dollars in your pocket. Whether it’s tracking your spending through a mobile app or cutting costs on entertainment, technology can help you cut back on your spending.

Technology helps to save money

Save Money…

If you’re like most people, you’ve probably been searching for the best apps and tools to help you save a dime wherever possible. To make your search a little easier, here are five ways technology can help you save money:

Use mobile apps to manage your finances.

Tracking expenses is essential for saving money. Especially if you’re trying to cut back on unnecessary costs, tracking your money can help you figure out where your paycheck goes each week.

If you’re looking for ways to track your money, apps such as Mint and Level can help you record your daily expenses and keep track of your income. These apps allow you to connect your bank accounts and any credit cards, and help you stay on top of your finances.

Spend less on communication with VoIP services.

Do you spend much of your time communicating with family and friends across the country? Do you telecommute for work? If so, there are a number VoIP (Voice over Internet Protocol) services that can help you save on the costs of communication.

For example, services such Skype enable users to chat with people around the world for little or no cost. All you need is computer or smartphone and Internet connection, and you’re able to communicate for free.

Store important documents and files in the cloud.

Instead of spending hundreds of dollars on an external hard drive to backup your photos, documents, and files, why not store your information securely in a cloud?

Cloud storage platforms such as Dropbox offer free and low-cost options for people looking to safely store their information online.

Use online communities and travel apps to cut travel costs.

If you enjoy traveling, it’s likely you want to find ways to cut down your costs. Finding cheap hotels and flights can be difficult, however, there are a number of mobile apps and online platforms that can make your search easier.

For example, apps such as Airbnb can help travelers connect with hosts who have rooms, homes, or apartments for rent at a very low cost. If you’re looking for cheap flights, be sure to subscribe to mobile alerts with websites such as Kayak to find out the best deals on airfare.

Shop smarter by using mobile coupons and deals.

Want to save money on your next grocery bill or take advantage of upcoming holiday sales? There are a number of mobile apps that can help you find great coupons and deals that will help you save more money.

LivingSocial, Groupon, Coupons.com, and ShopSavvy are just a few of the many apps available that help you find the cheapest deals on products and entertainment. The next time you need movie tickets or want to price out a new TV, be sure to use one of these apps to find the best deal.

By using technology as a money-saving tool, you’ll find yourself spending less and saving more. Regardless of your money-saving goals, technology can help you manage your finances better and plan for the future.

How has technology helped you save money?