Perhaps the most widely used personal finance app, Intuit’s Mint gives you a real-time, complete look into all of your finances, from bank accounts and credit cards to student loans and 401k.
It automatically tracks your spending, categorizes it, and alerts you when/if you approach your budget limit. You can even ask for custom savings tips within the app.
Everything is shown in simple, intuitive graphs and charts, making it one of the most popular personal finance apps in the world.
Acorn is an app that helps you invest your spare change in low-cost ETFs.
Once you connect your checking and credit card accounts to it, Acorn automatically rounds up every purchase to the next dollar, and invests the difference in a portfolio of your choice.For example, if you spent $2.25 for coffee, it will invest $0.75 for you.
Acorn says users invest $30 to $180 a month on average in “round ups” alone. But if you want, you can also invest a lump sum amount up to $30,000.
Level Money calls itself the “mobile money meter.” Once you connect the app to your bank account, it automatically calculates your income and recurring bills, and then suggests what your daily, weekly, and monthly spending should be.
It also comes up with the amount you should be saving every month and subtracts that from your monthly budget. You can set up an auto-save amount too, and any cash left unspent from your budget will rollover to your savings account.
It tracks your spending in real time, so you can easily see what you’ve spent and how much you can spend within a given period.
Digit helps you save money that you didn’t even realize you had. It automatically scans your income and spending patterns, and transfers a small amount of savings that it deems you won't necessarily need in to a separate account that it manages.
You can withdraw from that savings account anytime, but you won’t make any interest off of it - Digit is free and runs itself with the interest it generates from the users’ savings account. The value proposition is that Digit helps you discover and save money that you would spent elsewhere.
It officially launched in February and has Google's backing.
Besides offering free credit scores and reports, Credit Karma allows users to monitor their spending patterns by linking to their credit card and bank accounts. Based on that information, Credit Karma recommends better credit card or loan offers that can further improve your finances.
Its offering now ranges from auto insurance to mortgages, and users are absolutely loving it. It has over 32 million users worldwide, and just last September, raised an additional $75 million, valuing the company at over $1 billion.
Goodbudget is an app that brings the time-tested envelope budgeting method into your smartphone. The users can create “envelopes” for each of their budget category - think groceries, transportation, shopping, etc. - and pre-determine how much they’re going to allocate in each envelope.
Once it’s all set up, users can record and track how much they’re spending from each envelope. It may not be as sophisticated as some of the other apps, but Goodbudget offers a simple way to stick to your budget and keep your spending really disciplined.
Wally is an expense tracking app that shows a complete picture of your expenditures. You can view how much you’ve spent daily, weekly, or monthly, while dividing expenses into separate categories.
The best part about the app is that it allows you to simply scan your receipts and it’ll automatically input all the details of your purchase. That way, users don’t have to go through the hassle of typing in every detail of its spending, while the app saves all the receipts.
Canceling unnecessary subscriptions and automating your savings are a couple of simple ways to save money quickly. Switching banks, opening a short-term CD, and signing up for rewards programs can also help you save money. Making a budget and eliminating a spending habit each day can help lead to long-term savings.
Money-saving apps are designed to help you balance both objectives, but the right one for you depends on:Your savings goals. A savings account could be a good fit if you're working toward short-term goals, such as filling up an emergency fund, while an investment option is better for longer-term goals like retirement.
The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.
The "pay yourself first" budgeting method has you put a portion of your paycheck into your retirement, emergency or other goal-based savings account before you spend any of it. When you add to your savings immediately after you get paid, your monthly spending naturally adjusts to what's left.
POWERFUL PRACTICES TO ATTRACT ABUNDANCE INTO YOUR LIFE. The Secret to Money is an app that is designed to change the way you think about money, and to radically change the circ*mstances of money in your life. DESIRES: In this practice, you create a list of 7 things you would buy if money were no object.
The app includes features like a money-saved calculator and health-based statistics, showing financial and health improvements over time. The Reframe App also offers daily readings, an in-app toolkit, and a community forum for support.
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Introduction: My name is Nathanial Hackett, I am a lovely, curious, smiling, lively, thoughtful, courageous, lively person who loves writing and wants to share my knowledge and understanding with you.
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