There are any number of apps and schemes that will help you save money with preferred partners but frankly, who has the time?

Earny is an automated personal assistant that does the legwork for you, collecting all your spending details and trying to find out if you could have found a purchase cheaper elsewhere.

Using the price protection policies that stores and credit card companies offer, Earny claims the difference back on your behalf and the company takes a 25% cut of the proceeds. It already covers a wide range of US-based retailers such as Walmart, J Crew, Gap, Costco and Target.

The California-based company raised $2.5m (£1.9m) in seed funding in 2016 and the LA Times quoted CEO Oded Vakrat’s surprise that the retailers are on-board with the service: “We thought they would hate us but they understood the potential of giving confidence to customers.”