Are you struggling to get yourfinancesin order? Is a pencil-and-paper drafted budget or that endless spreadsheet just too time-consuming to manage? If any of these describe your situation, you no longer have to worry! Fortunately, plenty of budgeting and bookkeeping apps allow you to easilytrack your spending,save money, and pay your household bills using your phone and tablet.
With today’s intelligent personal finance apps, managing your money, sticking to your budget plans, and making investment decisions are far moremanageable.
However, every tool out there is neither suitable for your needs nor worth downloading and learning to use. That is why we have come up with our favorite fiveessential appsthat will help you monitor your spending habits, save money, and pay your household bills on the spot and on the go.
Mint: Best Way to Manage Your Finances
Mintis among the essential apps forpersonal finance. It helps you effortlessly manage your money in one place. It is an effective all-in-one tool for budgeting, tracking your spending and household bills, and getting smarter with your money. In addition to your monthly bills, it allows you to connect all your bank andcredit card accountseasily. Thus, with your finances conveniently in one place, you eliminate the hassle of logging into multiple sites.
With Mint, you can create budgets seamlessly, get suggestions based on your spending,schedulepaymentson the go, get reminders, get specific advice to gain control over your money and budget, and eventually improve your financial outlook. Thefree credit scoreis another advantage. Mint is an all-in-one package deal.
Wally: Seamlessly Track Your Money
Like being organized with your workplace expense reports, Wally is a great choice and a free essential app to stay updated with yourexpense tracking.With Wally, you can take a picture of your receipts rather than manually logging your expenses. This app also saves time by filling indatawhen using geo-location on your smart device. This neat, streamlined app is immensely convenient, helping you better understand where your dollars are going.
Digit: Automate Your Savings
If you are looking for ways to automate your savings, Digit is an essential app for saving youringrained habit.When you connect it to one of your bank accounts, the app analyzes your income and spending patterns. Based on that pattern, the app then puts aside a particular portion of your funds in an FDIC-insuredbank accountfor spending purposes that you can access and take out money conveniently at any time.
Communicating with Digit is fun and straightforward: open the app ortextthe bot to see how you are doing. Thus, it is super easy to set up different savings goals. In addition, you earn Digit savings of 1% annually, paid out every quarter and backed by a no-overdraft guarantee. Every morning, you receive a text telling you to check youraccount balance,another excellent feature. Surprisingly, it offers a 100-day free trial for both iOS and Android users.
Credit Karma: Improve Your Creditworthiness
If you are seeking ways to raise your credit score, Credit Karma is an essential app and an indispensableinnovative toolfor achieving your goal. Not only does it update you with yourEquifax®andTransUnion®credit scores, but it also gives you insightful recommendations to boost your creditworthiness. It can provide you with a complete TransUnion credit report in-app upon request that you can use to view (and dispute)disparaging signson your account, and you can view a comprehensive breakdown of yourcredit usage.Fortunately, this is also free. Credit Karma does share your personal information with Equifax and Transunion.
Clarity Money: Monitor Your Credit Score and Cancel Subscriptions
Credit Moneyis another one of the essential apps you can use to track yourcredit accounts,which is especially important considering the recent Equifax breach. This nicely designed budgeting tool ensures a more straightforward execution of your routinefinancial tasks.In addition, it also allows you to set up automated savings for specific goals.
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