Written by Sarah Jacobs of Leap.
Quote: Imagination creates a dream, faith turns it into a reality
Story: Saving money and controlling your expenses can be a difficult thing to do if you don’t have a system for planning and documenting how much money comes in to you and what you need to spend it on. To help you in keeping track of your finances, here are five online resources that you can use. These apps can be downloaded to your smartphone and tablet for easy and regular access.
1. Digit
Now you don’t have to think about saving money because Digit will do it for you! If you don’t know how much exactly you should be setting aside for savings or if you keep on putting off opening a savings account, Digit will make that decision for you. All you need to do is connect Digit to your bank account so that the app can check on how much you earn and how much you spend. It will automatically set aside an affordable amount for you that you can access anytime you need to make a purchase or you simply need extra cash. You don’t have to worry because Digit is a secure platform, and it has a “no-overdraft guarantee” that will ensure that you don’t go over what you actually have in your bank account.
Enjoy saving bonuses every 3 months. The app offers a 100-day trial period for you to check out if it works for you. You have to pay $2.99 per month to continue using the app beyond the free trial period.
(2) Mint
Mint works as your money manager by keeping track of your income and expenses and by helping you come up with a reasonable budget based on your average earnings and expenses. It even keeps track of your credit score and even your retirement accounts. The more bills and accounts you link to your Mint account, the more you will have a clearer perspective of where you stand financially. Since the app can connect to many financial institutions in the US, it can even makes recommendations based on the data from all your accounts and help you stretch out your financial resources in accordance to your lifestyle.
(3) Prosper Daily
Formerly known as Bill Guard, this app makes sure that there are no double or fraudulent charges on your credit card. You can check on your finances, your credit score and you can even apply for loans depending on your needs. This app allows you to take an in-depth look at what you have and what you can afford.
(4) BillTracker
You can now avoid paying penalties and overdue fees on missed bills by using BillTracker. List down all your bills from utilities to cellphone bills, credit cards and loans. The app takes note of all your due dates and notifies you when it’s time to send in your payments. The app presents you with a calendar of all of your payables, which helps you visualize all of your financial responsibilities.
(5) Shopkick
This app keeps track of your “kicks” which are convertible to rewards that you can enjoy. It is the app for every shopping enthusiast. Simply turn on your smartphone’s bluetooth and activate the location tracker to earn kicks whenever you walk in a participating store. You can even earn kicks by just scanning tags, for purchasing with the use of credit cards, and for inviting friends to use the app. There are also “Kickbate” items that have corresponding points when you purchase them. All these kicks are convertible to gift cards that will allow you to save money on your purchases.
There are several other apps not included in the list that will help you become more conscious of the way you spend your money. However, also keep in mind that no app can turn you into a financially responsible person if you do not find it in yourself to watch your where your money goes. Keep a positive attitude towards saving and responsibly spending so that you will be free from any financial problems.
About the Author: Sarah Jacobs is an experienced writer who loves creating articles that can benefit others. She has worked as a freelance writer in the past making informative articles and fascinating stories. She has extensive knowledge in a variety of fields such as technology, business, finance, marketing, personal development, and more.
Find out more about her company here: http://www.lea-p.com/
by 