Heads of State

You know that coupons can reduce the bite groceries and other household goods take out of your budget—25 percent 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).