TIME How-To

Delete Your Accounts: Links and Phone Numbers to 65 Sites and Services

Delete
Getty Images

It's time for some spring cleaning, friends.

Here’s a list of direct links and phone numbers to 65 popular tech services. Some are harder to quit than others, forcing you to call to speak to a live person who’ll undoubtedly try to talk you out of your decision (be strong!). In those instances, I’ve listed the phone numbers directly under the service name.

For most of the others, the link under each one’s name should either lead you to a way to close your account online with a few clicks or to an email address you can use to request that your account be closed. And if you’re not sure which accounts you even have any more, here’s a handy trick to look them up.

Adobe

Cancel your membership or subscription

Amazon

About Closing Your Account

End Your Amazon Prime Membership

AOL

How do I change or cancel my AOL account for paid plans?

How do I change or cancel my AOL account for free plans?

Apple (iTunes)

Contact Apple Support (choose Account Management > Managing or editing an Apple ID)

AT&T

Cancel service or remove a line from an account (wireless: call 1-800-331-0500)

Other services (Internet access, TV, home phone, etc.): Call 1-800-288-2020

Comcast

Cancel or Make Changes to Your XFINITY Service (call 1-800-934-6489)

DirecTV

How do I disconnect my DIRECTV services? (call 1-800-531-5000)

Dish

MyDish – Cancel Service (call 1-888-496-1260)

Disqus

Deleting your account

Dropbox

How do I delete my account?

EA (Origin)

How to delete an Origin account

eBay

Closing your account

Etsy

How do I close my Etsy account?

How do I close my shop?

Evernote

How do I deactivate my account and remove its data?

How to manage or cancel your Evernote Premium subscription billing

Facebook

Deactivating, Deleting & Memorializing Accounts

Flickr

Delete your Flickr account

Flipboard

Email privacy@flipboard.com with a request that your account be deleted

Foursquare

How do I delete my account?

Google

Delete or restore a Google Account

Groupon

Customer Support (email support@groupon.com or call 1-877-788-7858)

Hulu

How Do I Delete My Free Hulu.com Account?

How Do I Cancel My Hulu Plus Subscription?

Instagram

Delete Your Account

Instapaper

Delete Account

Klout

How do I opt out of Klout?

How do I delete my account?

Last.fm

Account settings (select the “Data” tab)

LinkedIn

Closing Your Account

Cancel Premium access

Microsoft

How do I close my Microsoft account?

Myspace

How do I Delete My Account

Netflix

Cancel Membership (streaming)

Cancel your DVD plan

Nintendo

How to Deactivate an Account

How to Delete an Account

Pandora

Must be done via email form

PayPal

Log in to your PayPal account, then click Profile > Close Account (under Account Information)

Pinterest

Deactivate or reactivate an account

PlayStation

Close a Sony Entertainment Network Account

Pocket

How can I delete my Pocket account?

Quora

How do I deactivate my Quora account?

Rdio

Cancel subscriptions

Delete account

Reddit

How do I delete my account?

Rovio

Rovio account page (click “Delete Account” at the bottom)

RunKeeper

How to delete your RunKeeper Account

Samsung

How Do I Delete My Samsung Account?

Shutterfly

Email, use the Live Help feature or call 1-888-225-7159

Skype

How do I cancel my subscription?

Deleting Skype Accounts

Snapchat

Delete your Snapchat account

Soundcloud

How do I delete my account?

Spotify

Cancel your subscription

Contact Spotify support to delete your account

Sprint

Call 1-888-211-4727

Square

Disable Your Square Register Account

Disable Your Square Wallet Account

Steam

Create a support ticket

StumbleUpon

How do I delete my account?

Ticketmaster

Close Your Account

Time Warner Cable

Transfer or Cancel Service (call 1-888-892-2253)

TiVo

Considering canceling your TiVo® subscription? (call 1-877-367-8486)

T-Mobile

Call 1-800-866-2453

Tumblr

Close my account

Twitter

Deactivating your account

Verizon

Wireless: 1-800-922-0204

Other services (Internet access, FiOS TV, home phone, etc.): Call 1-800-837-4966

WhatsApp

How do I delete my account?

Wikipedia

Right to vanish

WordPress

Deleting Accounts

Xbox

Close your Microsoft account

Yahoo

Terminating your Yahoo account

Yelp

Close my account

YouTube

Delete YouTube channel

(See also: Delete or restore a Google Account)

Zynga

Privacy FAQs (see fourth question)

TIME Companies

General Mills Reverses Legal Terms After Controversy

General Mills Headquarters Ahead Of Earnings Figures
General Mills world headquarters in Golden Valley, MN, March 15, 2014. Ariana Lindquist—Bloomberg/Getty Images

The food giant reversed itself regarding widely criticized new legal terms on its website that some said could prevent customers from suing the company over downloading coupons, joining its online communities or interacting with the company

General Mills announced it was removing controversial legal terms from its website on Saturday following an uproar over the changes.

“Because our concerns and intentions were widely misunderstood, causing concerns among our consumers, we’ve decided to change them back to what they were,” company spokesman Mike Siemienas wrote in an email obtained by the New York Times.

The New York Times reported last week that General Mills had added new legal terms to its website that could force customers to surrender their right to sue the company if they downloaded coupons, joined its “online communities” or interacted with the company in a variety of other ways. Instead, the Times said, customers would have to submit complaints through arbitration or “informal negotiation.”

The company later clarified that “online communities” did not include its Facebook or Twitter profiles.

The surprising reversal follows criticism from both consumers and legal experts, who questioned the breadth and enforceability of such terms.

TIME Gadgets

Verizon Offering Discounts for Bringing Your Own Phone

Verizon
Bloomberg / Getty Images

Verizon is finally willing to give you a discount for bringing your own device to its network. The company announced that starting Thursday, April 17, compatible phones brought to Verizon will qualify for its lower, no-contract Verizon Edge discount rate on a new MORE Everything plan.

For individual users, the savings amount to $10 per month discount on your monthly line access fee with your own phone. Under the Edge plan, one line with 250MB will cost you just $45 per month (albeit with nasty data overage fees looming).

Larger families can qualify for even larger discounts as long as you purchase a 10GB or larger data plan. Four lines with 10GB of shared data now cost just $160 per month on Verizon Edge, the same cost as AT&T.

For more on getting the best deal while for shopping for a new cell phone plan, check out Techlicious’ recently updated carrier price comparison chart.

This article was written by Fox Van Allen and originally appeared on Techlicious.

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TIME Big Picture

PC vs Mobile: How Technological Worldviews Are Shaped

world phone
Getty Images

The shifting shapes of technological worldviews invite new challenges and new opportunities.

A worldview is the way someone thinks about the world. Everyone has a worldview, whether they know it or not. This word came up often during many of my sociology and psychology classes, and it came up even more often as I was studying behavioral science.

When we talk about worldviews, we often talk about religious ones, political ones, scientific ones or philosophical ones. As I began studying consumers when I joined Creative Strategies in 2000, however, I started applying this thinking to technology. I started exploring how different segments of consumers may have shaped or were in the process of shaping technological worldviews.

I shared on my blog how my upbringing shaped my technological worldview. My worldview is that of an early adopter. My wife, on the other hand, is a textbook late adopter. I approach technology emotionally, whereas she approaches technology pragmatically. I have to have the latest and greatest gadgets, and she will use her smartphone until it is no longer usable. Even then, she will loathe the fact that it didn’t last longer. Our personalities, exposure to certain types of technology, environments and more all contributed to each of our technological worldviews.

It can get complex when you start to peel back the onion of how and why a particular consumer’s technological worldview was formed. However, it is extremely helpful when trying to understand consumers and how they may think about technology products. It is also very helpful in my line of work as I try to understand adoption cycles.

As of late, I have stumbled onto something interesting that’s related to technological worldviews. I have started to gain insight into how consumers in mature markets like the U.S. and Western Europe and how consumers in emerging markets like China, India, Africa, and others have come to shape very different sets of technological worldviews.

For example, here in the West, most of our entry points to computing and the Internet have been desktop or notebook PCs. This is the foundation for a Western technological worldview. Taking this point even deeper, your preference of operating system — Windows or OS X, for example — could also play a role in your worldview. The main point, however, is that this particular technological worldview’s foundation was set with a personal computer of some type. This is why so many in the West have a hard time grasping the idea that a PC is a legacy computer, and things like tablets, phablets, and smartphones are becoming more central computing devices.

In contrast, for consumers in many emerging markets, the entry point to computing and the Internet is a smartphone. This shapes their technological worldviews in very different ways than it does Western consumers. This is the one major issue I see standing in the way of the chat apps that are popular in emerging markets attempting to penetrate more developed markets. These applications like WeChat, LINE, and WhatsApp were born out of very different circumstances, targeting groups with very different technological worldviews. This is not to say that they can’t be successful in Western markets, but it hints that the value propositions of these apps may need to be something other than the fact that they’re appealing to consumers in emerging markets.

Similarly to consumers in emerging markets, we now have generations of consumers who are extremely comfortable with technology and know nothing but being constantly connected via mobile devices. My kids, for example, have no frame of reference of a world where they can’t use a smart device for real-time communication, information and entertainment. This will shape their technological worldviews, opening doors for new challenges and new opportunities.

Understanding different technological worldviews and how they can be applied to classes of consumers in every market can help us understand the many nuances that make up the global markets for personal technology devices — and the consumers who will buy them.

Bajarin is a principal at Creative Strategies Inc., a technology-industry-analysis and market-intelligence firm in Silicon Valley. He contributes to the Big Picture opinion column that appears here every week

TIME Shopping

Is Amazon Prime Still a Good Deal at $99? Let’s Run Some Numbers

amazon-prime
Doug Aamoth / TIME

Now that it costs $20 more, a look back through all of 2013's purchases to see if an Amazon Prime membership pays off

I’ve paid $79 per year for an Amazon Prime membership for the past five years or so, and I’ve always wondered how much (if any) it’s saved me. Now that the price is going up to $99 a year, I thought I’d run through all my purchases from 2013 to see what the difference would have been if I hadn’t shelled out for Prime last year.

Quick Prime primer: You pay Amazon (now) $99 a year, and in return, you get free two-day shipping on a vast selection of what Amazon sells, and you can step up to overnight shipping for $3.99 per item. Amazon also includes a Netflix-like streaming video service containing 40,000 movies and TV shows – some popular, most not. You also get the ability to digitally borrow half a million eligible Kindle books one at a time. More info here.

This is all very unscientific, back-of-the-napkin math, but here are some stats and assumptions about my 2013 orders.

Basic Stats:

  • Total number of orders placed in 2013: 76
  • Number of Subscribe-and-Save orders: 13
  • Total number of shipments (orders + Subscribe-and-Save): 62
  • Total number of orders totaling less than $35: 31

I placed 76 orders last year, but some of these orders were multiple different orders placed on the same day or Subscribe-and-Save orders, which are basically discounted subscriptions to items that get shipped out on a set schedule (paper towels, batteries, detergent and things like that).

So when the dust had cleared, I ended up getting 62 shipments last year. Of those shipments, exactly half were orders that totaled less than $35. Amazon offers free shipping if you spend $35 or more.

Extra Shipping Charges:

  • Number of items overnighted at $3.99 per item: 5
  • Number of non-Prime orders: 1
  • Total 2013 shipment costs (Prime + extras): $104.44

I had five items overnighted at $3.99 per item ($19.95 total), I paid $79 for the membership, and I bought one item that wasn’t eligible for Prime shipping. It was a t-shirt that carried $5.49 in additional shipping costs. I have no regrets about buying this shirt. None whatsoever.

So: $19.95 plus $79 plus $5.49 comes out to $104.44 – the total amount I paid for shipping last year on all my Amazon purchases.

Cost of Overnighting the Same 5 Items Without Prime:

  • Pair of shoes: $18.98
  • Wireless weather station: $18.98
  • Wig I bought but never used: $18.98
  • Another wig I bought but never used: $18.98
  • Wireless keyboard: $20.97
  • Total overnight shipping costs if not for Prime: $96.89

I would have incurred $96.89 worth of shipping costs just for the five items I chose to overnight. That’s before even getting into how much I would have paid in shipping charges for orders totaling less than $35.

However, I can look you straight in the eye and tell you that there’s no way I would have overnighted a single one of these items if I hadn’t been able to do so for $3.99 apiece. I probably wouldn’t have purchased any of these items from Amazon in the first place. The two wigs (see above photo) are my biggest regrets for several reasons, but I know deep down in the cockles of my heart that having them on-hand will someday pay off in spades. I didn’t need to overnight either of them, though.

Standard Shipping Costs Without Prime:

  • Total standard shipping costs on orders under $35 if not for Prime: $112.15

I fudged the numbers a bit here: I had a few orders that were shy of $35 by less than a buck, and a smattering of orders staggered within a day of each other. In a non-Prime life, I would have found something dinky to make a $34 order clear $35 and I would have been more vigilant about placing larger orders that qualified for free shipping. So I didn’t count those orders in my 2013 totals. But for the rest of the one-off, sub-$35 items I ordered, I would have paid around $112 in shipping costs.

Assumptions, Advice and Conclusion:

I’m surprised at how close these two realities are. In a Prime life, I paid $104.44 in shipping charges; in a non-Prime life, I would have paid $112.15 in shipping charges.

In my case, I actually have to think a bit about whether $99 is worth it. Prime was a no-brainer for me at $79, but if I buckled down and made sure to order things only in $35-and-up clumps, I could conceivably cut shipping costs out of the equation altogether. (I’d still pay $5.49 extra for that shirt – all day long. No regrets.)

What such a scenario doesn’t take into account, of course, is that Prime offers two-day shipping, whereas standard shipping is listed at five to eight days. If you live in a populated area that’s relatively close to an Amazon distribution center, however, I can tell you that a standard shipment generally shows up in three days. At least, that’s been my case (I live in Boston).

It also doesn’t take into account the free movies and TV shows, or the free Kindle books. You could make the argument that if Amazon has the same stuff you want to watch as Netflix does, you could save $8 a month on a Netflix membership and basically offset the yearly cost of Prime. I also happened to read more Kindle books this year thanks to my Prime membership, but I can’t argue that I would have paid full price for any of them otherwise.

My colleague Brad Tuttle lays out 5 ways to skirt paying $99 for Prime, the least cumbersome being to sign up for an educational discount if you have a .edu email address, or being diligent about placing $35+ orders. I’ll also add that you can share a full-price Prime membership with four other people (Prime members: see the “Invite a Household Member” section on this page), so round up four friends – sorry, “household members” — and everyone can chip in $20.

And now the big question: Will I be re-upping my membership at $99 this time around?

Yes. Yes, I will. Being able to pay $4 to overnight a wig I’ll probably never use is worth it to me. So is not having to look around for stuff to pad a $34 order. The two-day shipping on everything else, coupled with the video and e-book extras is icing on the cake.

But finally running the numbers after all these years has left me feeling less like Prime is a must-buy, especially now that it costs $99. If the price goes up any higher, I think that’ll be it for me.

TIME apps

How to Block Telemarketers on Android and iPhone

No one enjoys cell phone spam, especially aggressive telemarketing calls and texts while you’re on the go. Though you can list your cell phone number on the Do Not Call Registry, that doesn’t stop telemarketing text messages or even all phone calls, in our experience.

If you’re tired of these nuisances, you have options. You can use the following apps and features built into your phone to help cut down on spam.

For Android smartphones

If your phone is updated to Android 4.4 KitKat (check Settings > About Phone to check which Android version your device is running) there are some built-in features that identify incoming calls. Caller ID by Google will match incoming calls with Google Places listings and display that name on the call screen for you. Unfortunately, this is highly dependent on the company being listed in Google’s business directory.

For earlier versions of Android, your options vary somewhat by manufacturer. When you get a spam call, open the call log and press and hold the number you want to block. While you’re holding, a menu will pop up letting you add that number to your contacts or block it. Samsung calls it “add to reject list,” HTC calls it “block contact”—you get the idea. On LG models, you can go into system >> call >> call reject >> and then use the + to add numbers from your recent calls.

If you have Android 4.2.2 you can also opt to send all calls from a specific contact directly to voicemail. Once you get a call, make a contact out of that incoming number. Then view that contact (the People widget) and tap on the menu to see the option “All calls to voicemail.”

If your version of Android doesn’t have what you need, check out one of these apps that specialize in dealing with annoying calls in different ways.

mr-number-screensap-300px
Mr. Number

Best for blocking spam: Mr. Number

Mr. Number lets you block calls and texts from specific numbers or specific area codes, and it can automatically block private or unknown numbers. It also lets users report spam, so when you get a call from an unknown number, you can see what others have reported about it.

When a blocked number tries to call, your phone may ring once, though usually not at all, and then the call is either disconnected or sent to voicemail based on how you want the call handled.

Price: Free at Google Play (reverse lookups for a fee)

truecaller-app-screenshot-350px
Truecaller

Best for Identifying Calls: Truecaller

While Mr. Number focuses on blocking calls and texts, Truecaller focuses on identifying who’s trying to get in touch.

Truecaller provides caller ID information and reverse lookup data for incoming calls and texts — and all this info means that Truecaller knows who spammers are and lets you block them before they start bothering you.

The app makers maintain a database of spam callers and telemarketers and will automatically flag incoming calls as such. This database comes from both white and yellow pages services as well as crowdsourced from the Truecaller community. And, it’s proven effective in screening out the One Ring Phone Scam calls.

Truecaller will ask to add your list of contacts to its database, but this is purely optional. You will have to verify your number with Truecaller before being able to use the service.

Price: Free at Google Play

truecaller-app-ios-225
Truecaller

For iPhones

iOS 7 has built-in options for blocking numbers.

Go to the Contacts app and tap on the contact you want to block or find the number on the Recent Calls tab (clock icon) in your Phone app and tap the circled “i” icon to the right of the number. Both these methods will take you to the contact page for that caller. Scroll to the bottom and click on the Block This Caller.

But what about identifying incoming calls or texts as spam?

For that you can rely on Truecaller listed above in the Android section. It also has an iPhone version that will identify incoming calls against their extensive list of telemarketers and spammers.

Price: Free on iTunes

Other blocking options

If you don’t find any built-in features or apps to your liking, your carrier might offer blocking options (although they could come at a cost).

  • AT&T users should look for Smart Limits, a parental control feature that lets you block calls and texts for $4.99 per month.
  • Sprint users can set up call blocking from My Sprint.
  • Verizon users can block five numbers for free or pay $4.99 a month for more blocking options.
  • T-Mobile offers the fewest features here, though you can block all text messages or contact support about potentially blocking specific numbers.

Finally, try filtering by using a Google Voice number as your primary means of contact. Google Voice offers great spam filtering options with a database of known spam numbers, and it can automatically block potential spam. You can port an existing number to Google Voice for a $20 fee to enjoy first-class call filtering options no matter what kind of phone you’re using. This method works for both iPhones and Android smartphones.

This article was written by Elizabeth Harper and originally appeared on Techlicious.

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TIME Consumers

One Theory Behind Your Slow, Expensive Internet Access

Over at The Week, John Aziz lays out an argument for why U.S. Internet speeds are 31st in the world for downloads and 42nd in the world for uploads. It’s an argument you’ve heard time and time again — lack of competition — but it tacks on some of interesting backstory for color.

The other argument you’ll hear fairly often: too much ground to cover. It’s hard to string fast broadband out to rural areas, and the U.S. has a lot of wide open spaces, right? That’s a problem that’s arguably easier to rectify over time as buildouts get cheaper and wireless networks get more robust, but an ongoing dearth of competition could keep speeds slow and prices high relative to the rest of the world.

Why is American internet so slow? [The Week]

TIME Big Picture

Consumer Choice Is the New Tech Industry Theme

A shopper looks at tablet computers at a Best Buy Store on the shopping day dubbed "Black Friday" in Framingham
Adam Hunger—Reuters

When companies invest to compete both for existing customers and the customers of other companies, the consumer always wins.

Over the past few years, signs have pointed to a number of consumer tech product markets reaching their maturity. In the western markets, for example, we are well into replacement cycles for products like PCs, smartphones, and even tablets to a degree.

When a market becomes more of a replacement market than a first time buyer market, interesting things happen. Primarily, it segments, and new products start focusing on specific features that may be attractive to certain segments of the market, large and small. The outcome of this is an increase in consumer choice.

Some categories have more choices than others, of course. TVs, for example, which have been in a replacement cycle for many years, offer a wide variety of displays, ports, sizes and price ranges. Similarly, the traditional PC is now seeing an increase in form factor choices. The smartphone is the latest device that’s beginning to see this increase in consumer choice. We have smartphones with different colors, display options, screen sizes and prices. The tablet is not quite there yet, but it’s on the cusp the same trend happening.

When an increase in consumer choices comes to a product segment we know, the market has reached a point of maturity. When a market reaches maturity, competition heats up. An increase in competition is always a good thing for consumers.

2014 will mark a critical point for many of us industry observers due to the above points. When a market reaches maturity, often the competitive dynamics begin to shift. How companies competing in consumer tech product segments react to this shift is key to thriving in the market going forward.

A key shift in mature markets can often favor ecosystems. An ecosystem could be a hardware ecosystem, software ecosystem, services ecosystem, or some combination of all three. In mature markets, the companies that create the strongest lock-in are the best suited to compete. This lock-in has to be something a consumer desires rather than a lock-in that results in a consumer feeling trapped, like the lock-in most cable companies inflict upon consumers.

Companies like Apple, Amazon and Google seem to be best positioned for how the market is evolving. Samsung is in a tough spot. Like many Android OEMs, consumers can easily switch out hardware year after year as they find products that better fit their needs. Android OEMs compete year after year for new and existing customers. Android fosters more lock-in for Google than it does for Google’s hardware partners, whereas Apple and Amazon have a more clear lock on their customers in ways their customers value. The shifting dynamics of a mature market will affect many players in the market, but they will give some more of an advantage than others.

As I look at this theme of consumer choice, I find what’s happening in wearables interesting. Wearables, particularly health-focused ones, seem to be already starting with an increase of consumer choice. One of the reasons for this is because a wearable is not a standalone product the same way a PC, smartphone or tablet is. A wearable is fundamentally an accessory to our PC, smartphone and/or tablet. Because of this, the market is starting off with a wide array of consumer choice, and this will only continue to develop. As a result, I believe wearable tech products will offer more specific-purpose value propositions than general-purpose ones — at least for the foreseeable future.

Mature markets are much more interesting for many of us in the industry. When companies invest to compete both for existing customers and the customers of other companies, the consumer always wins.

Bajarin is a principal at Creative Strategies Inc., a technology industry analysis and market intelligence firm in Silicon Valley. He contributes to the Big Picture opinion column that appears here every week on TIME Tech.

TIME Apps & Web

10 Apps and Sites That Will Save You Money

save-money-apps
Reuters

Too many online services claiming to save you money just end up costing you precious time without much in return. Here are 10 free websites and apps that will help you keep more dollars in your wallet.

Those who know how to find a deal, whether coupons or rebates or rewards points, know the satisfaction that comes with slashing your bill at checkout.

But too many online services claiming to save you money just end up costing you precious time without much in return.

We’ve gone through the big ones and found 10 free websites and apps that will help you keep more dollars in your wallet.

Savings.com

With more than 200,000 coupons and local deals, there’s a good chance Savings.com will help you save money on something you want to buy.

Just search its database for your favorite brands to find coupon codes you can use online. A Local tab uses your ZIP code to surface printable coupons and daily deals for nearby brick and mortar retailers and restaurants.

You can also install a Savings.com DealFinder extension for Internet Explorer, Chrome or Firefox. The app will follow wherever you go online, alerting you if you’re on a site for which it has coupons.

RetailMeNot

RetailMeNot works similarly to Savings.com, claiming to offer 500,000 coupons from more than 50,000 stores, but what you might really appreciate is its app for iOS and Android devices.

Give it permission to track your location and find nearby deals, bookmark your favorite stores, save coupons for later use, find trending in-store and online deals and sort coupons by category.

Especially nice: You don’t need to print coupons onto paper; just show the barcode on your phone to a cashier for scanning. You can also send coupon links to others via text or email.

PoachIt

Specifically created for online shopping, PoachIt works via a little button you drag to your bookmarks bar that you click once you’re on the product page of something you may want to buy.

Not only does PoachIt offer coupon codes you can use upon checkout, but it tracks the price of your chosen items and alerts you when they go on sale.

FatWallet

As a tool for earning and saving money, this website does what its name suggests.

Not only does FatWallet connect users with coupons, local deals and sales, but if you use it to shop online at other sites, you can earn cash-back rebates that accumulate within your FatWallet account.

Once you’re ready to get paid, FatWallet either sends you a check or transfers the money to your PayPal account.

Cartwheel

Frequent Target shoppers may want this app for iOS and Android. Select from hundreds of discounts — mostly 5% off on brands such as Market Pantry and Archer Farms — and add them to your Cartwheel barcode, which a cashier scans during checkout at the store.

Depending on how much you share on Facebook, you might like that the app makes you sign in with either your Target account or your Facebook account (with the latter probably being the easier and more popular choice).

If you do, however, your friends will be able to see what you’re buying unless you select “only me” when giving the app permission to post on your behalf during installation.

Ibotta

This free app for iOS and Android gives you cash back for consuming or sharing advertising by watching a video, reading facts, taking a poll, getting a recipe or sharing on Facebook.

Do these things within Ibotta for your favorite brands at home; once you get to the store, use your smartphone to scan the barcode of an item for which you earned a rebate, then scan the receipt once you’ve made the purchase.

You can transfer money you accumulate to your PayPal or Venmo account or to various gift cards including Starbucks, Redbox or iTunes.

ShopKick

This free iOS and Android app shows you products and rewards available from stores such as Target, Macy’s, Best Buy, Old Navy, American Eagle, JCPenney, Sports Authority and Crate & Barrel.

With the app turned on, you get points just for walking in the door, as well as scanning or buying products there. Points build up to earn you gift cards.

ShopKick recently announced it has doled out $25 million in rewards to 7 million gift cards since launching in 2010.

SavingStar

Use this website to zap deals on products to the loyalty cards of more than 100 grocery stores and drugstores. When you use your card at a store to redeem a deal, the savings are applied to your SavingStar account.

Once you accumulate at least $5 in your account, you can have it paid out to your bank or PayPal account, an Amazon gift card or the nonprofit American Forests. Earn cash back with SavingStar by using its mall and coupon codes to shop online.

A few special features stand out. Every Tuesday, SavingStar introduces a new Healthy Offer of the Week that gives you money back on designated fruits and vegetables.

Friday Freebies give 100% cash back on a new product every Friday. SavingStar also offers high-value deals that let you save $5 if you buy a certain amount of a particular brand in one or several store visits.

Chippmunk

This coupon search engine lets you search for online coupon codes according to your budget, department, store or type of offer (coupon code, sale or free shipping).

Narrow your results according to delivery area, payment type and estimated delivery date. When you search for a particular brand, Chippmunk also shows you competitor deals. (When you’re looking for Chippmunk, note the double Ps in the name.)

PointsHound

While it’s not a coupon tool, the PointsHound website lets you earn points, miles and even digital currency when you book a hotel room at one of more than 150,000 properties around the world.

It’s worth checking out, since hotel rooms cost the same through PointsHound as they would booked via Expedia, Travelocity, Orbitz or direct booking — yet you can tell the platform to translate the credit from your stay into one of 11 loyalty programs including several frequent flier programs, your My Best Buy account or even into a Bitcoin wallet, where you can accumulate digital currency to use to buy things online or at a growing number of physical stores.

These 10 tools only scratch the surface of the digital tools available for saving money. Which are your favorites?

This article was written by Christina DesMarais and originally appeared on Techlicious.
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TIME Economy

America’s Economic Moment

A trader works on the floor of the New York Stock Exchange in the Manhattan borough of New York
A trader works on the floor of the New York Stock Exchange in the Manhattan borough of New York, Jan. 13, 2014. Lucas Jackson / Reuters

The U.S. economy is a world beater again--but 2014 will tell whether that's good for everyone

Is the U.S. economically exceptional? It’s a question that’s suddenly worth asking, since 2014 looks to be the year the U.S. will regain its traditional position as the world’s economic engine–a role that seemed lost forever in the dark years following the 2008 financial crisis. Assuming the current projections of 3%-or-more GDP growth for this year hold, the American economy will, for the first time in more than five years, expand as fast as or faster than the global economy as a whole. It will top many of the once hot emerging markets as well. The resurgence has myriad implications for the U.S., of course. But given the implications for the global economy, it’s attracting attention everywhere (including among the leaders gathered at the World Economic Forum in Davos from Jan. 22 to Jan. 25).

Here’s the short story: The U.S. has exited from financial crisis; Asia and Europe have not. China, the second largest economy in the world, is pretty much where the U.S. was five years ago–deeply in debt. Back then it took China just over a dollar of debt to create every dollar of economic growth, according to Ruchir Sharma, Morgan Stanley’s head of emerging markets. Today four dollars of debt are needed to create one dollar of growth in the Middle Kingdom. (Sharma considers the debt-to-growth ratio the most reliable predictor of financial crisis over the past 100 years.) Growth in China is already down sharply from its double-digit peak years before 2008, to 7.7%, and it could fall even more sharply in the face of a banking crisis.

Japan, where government debt is over 200% of GDP, continues to struggle too. Short of some serious austerity, Japan will probably have to live with another lost decade or two of negligible growth. As for Europe, while central bankers have saved the euro (at least for now), deflation is making the region’s already bad debt troubles worse. A new round of banking crises could reignite the whole euro-zone-breakup risk again.

In the midst of all this, the U.S. looks pretty good. Americans have a lot going for them: cheap energy, relatively skilled and low-cost workers, a newly robust manufacturing sector and, most important, private balance sheets that are back in the black. American consumers have gotten their finances in order, and businesses are sitting on more cash than ever before–as much as $2 trillion at home and the same amount in bank accounts abroad.

Whether Americans are indeed exceptional will come down to what they decide to do with these assets. A recent Accenture survey tallied the optimism among CEOs and other top executives in 20 countries and found that 64% of them were bullish on the U.S. and planning to locate more labor and operations there in 2014. Companies may finally stop sitting on so much cash and use it to invest in workers and equipment. That would spark a virtuous cycle that should ultimately lead to real, sustainable growth of 3% to 4%, which is what the U.S. needs for unemployment numbers to continue ticking down. Incoming Federal Reserve Chair Janet Yellen recently told me she’s hopeful that businesses will start spending this year.

If they do, pay attention to what types of jobs get created. That’s where the argument for exceptionalism gets trickier. Over half of all U.S. jobs created in 2013 were in low-wage sectors, like retail or health care, where paychecks are actually shrinking relative to inflation. Part-time workers still make up more of the workforce than is healthy. And the participation rate, meaning the number of people with jobs relative to the overall working-age population, is the lowest it’s been since 1978, before women started coming into the labor force en masse. (The unemployment rate, by contrast, takes into account only workers who are seeking jobs.) While some economists argue that this reflects the retirement of baby boomers, Westwood Capital managing director Daniel Alpert points out that it’s not nearly enough to account for the many millions of workers who’ve dropped out of the labor market. “There is much more going on here than the retirement of some lucky baby boomers,” he says.

So 2014 will be a telling year. Hopefully we will learn that the U.S. is in the early stages of a traditional recovery, the kind that will eventually trickle down to the masses and create the sort of middle-class jobs we need to spur growth (albeit a lot later in the cycle than in recessions and recoveries past). It could, however, turn out instead to be something new: a two-tier recovery that will create growth and jobs but only at the top and bottom of the pyramid. We’re about to find out whether the American economy is exceptional or whether Americans are just in an exceptional kind of recovery.

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