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By one estimate, we now spend over three hours a day on our phones: using social media, catching up on news, watching videos and playing games.

Admit it: So much of that time is wasted. And time is money. Wouldn't you rather be putting your technology to use to make money?

Forget Pokemon Go and Candy Crush Saga. Download these 12 apps, and you’ll be earning and saving more in no time.

1. Ebates

KUALA LUMPUR MALAYSIA - 17th January 2015. E-commerce apps on iPhone. It is estimated that in the United States alone, online retail industry will be worth $279 billion in 2015.
With Ebates, you earn rebates shopping online as you normally would.

Ebates is a mobile app that lets you earn cash back just by shopping at your favorite online stores. There's a long list of participating sites, including Amazon, Kohls.com, Groupon, Macys.com, Expedia and Priceline.

You don’t have to do anything special for the cash — you just shop as you normally would.

The Ebates app is super easy to install for either iOS or Android, and you can register via Facebook. Refer friends to boost your earnings — you'll receive $25 for each friend who signs up and shops via Ebates.

2. Wealthsimple

Wealthsimple mobile app
Wealthsimple makes you money with a personalized portfolio.

Are you intimidated by the stock market? Wealthsimple is an app that creates a personalized investment portfolio to match your goals and interests in just 5 minutes.

Then, you can relax while it grows your money. It automatically manages and rebalances your portfolio as the market changes, and instantly reinvests your dividends to help you earn more.

Wealthsimple relies on low-cost exchange-traded funds, or ETFs. It uses a smart algorithm to manage your investments, while giving you access to human financial advisers — all at a fraction of what you'd pay for traditional investing.

Continue reading on the next page.