Many free or for-purchase apps can help businesses reduce expenses. Among them:

Skype Mobile. Allows users to make Skype calls without using phone minutes

Xora Mobile Workforce Manager. A combination GPS and time clock that lets workers punch in, punch out, keep track of overtime, and know when to turn left or right

Telenav Track. Lets employers actually see workers, vehicles, and other equipment in the field; automates field-data capture and integrates with back-office systems

iTerminal. Enables mobile personnel to accept credit-card payments

mbPointer. Lets an iPhone double as a presentation pointer

iXpenseIt. Offers mobile expense recording and budget tracking; users enter data and take a picture of the receipt