When it comes to personal finance, we could all use some extra help. Debt is one of the biggest problems facing most Americans today, and most can’t afford to hire a personal financial adviser to help them keep their money in line. However, there are a few mobile apps that can definitely make keeping your bank account in the black easier:
You may be needing credit and are wondering what is the best credit card to apply for as you conduct your credit card search. Debt minder allows you to better manage your credit by tracking debts for large purchases and keeping track of how you pay them. Color-coded graphics and charts let you easily visualize exactly where your hard-earned money is going and how you are managing your debts overall.
Mint.com has been a leader in management of personal finances for some time now, and creates very user friendly and efficient tools for your budgeting needs. It can connect securely to your bank account for tracking and categorizing your expenses. It will let you enter pending and cash transactions manually while you are on the go, so your accounts stay up to date. You can rapidly see how much you have left in your food budget, for example, so you can know if it’s safe to grab that steak for the weekend. This app is free after you register a free account first with Mint.com.
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Apps that automatically update can be very convenient, but you feel more accountable for your spending when you manually enter your purchases. This simple app lets you manage all your account balances. Whenever you buy something, deposit a check, or pay a bill, you just enter that transaction and your balace will be recalculated to reflect the change. The app can also automatically enter recurring charges for you, like gym membership fees, magazine subscriptions, etc.
Expensify is a handy app for compiling your expense reports. It turns what is often an unorganized and cumbersome process into simplicity itself. It syncs up with all your bank accounts and credit cards, tracking any purchases for business purposes.
Having a good credit score is important if you want to make big purchases that you cannot afford right now, like cars, houses, and major appliances. This app can be tracking your credit score in real time so you stay on top of your financial situation. You do need to be a paying member, but the alerts and updates may end up paying for themselves. You can get details about who is investigating your credit, and what is helping or hurting your credit score. All of this information can be helpful if you are wondering what is the best credit card to apply for.
When it comes to your money, there is no reason to not take control of your finances, and a few apps can definitely make it a whole lot easier.