You know that coupons can reduce the bite groceries and other household goods take out of your budget -- 25% of take-home pay for the average family -- but you can't spend hours perusing the Sunday circulars. Fortunately, there are apps for that. Download these:
Coupon Sherpa: Delivers coupons to your phone for in-store scanning (free for iPhone and Android).
CardStar: Stores your merchant loyalty cards on your phone, so you won't miss out on points or discounts (free for iPhone, Android, BlackBerry, Windows Phone).
Parking your money under the mattress might seem like the only sensible move right now. But that's not the case. What follows are some good ideas for you to stash your cash.