The top smart phones make your life easier and save you time and money. Here are a few examples of how they do that. When you’re getting ready to go on an unfamiliar trip, unless you have a photographic memory and have memorized all the roads, you’ll have to look up the routes. You’ll pull up the browser on your computer and try to pinpoint the best roads to travel to reach your destination.

Not only is that a time waster, it’s also a hassle if you end up leaving the directions lying at the house and only realize it an hour into your trip. The smart phones eliminate the need for this step because they come with GPS features. All you have to do is pack (too bad the phone can’t do that too!)

Another way the top smart phones can save you time and money is through the use of the Internet. Since you can tap right into the Internet with your smart phone, you won’t have to waste all your time off checking email or taking care of the 101 mundane online tasks that pile up.

You can take care of them throughout the day. There’s power even in five to ten minute increments. In five to ten minutes using the phone, you can send a needed document, nag your kids to make it home in time to have dinner as a family, confirm an appointment and even pay a bill or two.

You’ll save time because you’ll have everything in one place. You can do away with the need to keep up with paper calendars or to-do lists because you’ll have it all in your phone.

We’ve covered a few ways that the phone can save you time but how about saving you money? When you’re out of town and you need to move money from savings to your checking so you can pull it out at the ATM, all you have to do is access your bank account and switch the money over.

You can also use the phone to comparison shop. If you’re not sure you’re getting the best deal on a product, whip out your phone and search to see what the competition is offering. Some stores will even give you a better deal to keep your business if they see the competition beats their price.

Another great way that top smart phones can save you money is through the use of the applications. Many of these applications are available via free download. You can find applications that will help you know where and when to buy certain items for the best price. Personal finance applications will let you see where your money is being spent.