Whether you make enough money to meet all your needs or not, there’s always a possibility of a financial struggle. At the end of the month, there’s nothing left to pay off your loans or put into a savings account. You start wondering what exactly you do wrong with your budget.
Don’t fret! These cutting-edge financial apps are coming to the rescue.
Mint
When it comes to budgeting apps, Mint has been one of the most famous names for a few years now. It has everything you need to master your finances, including:
- linking your credit and debit cards;
- tracking bills and investments;
- categorizing all of your transactions;
- creating a personalized budget;
- viewing and analyzing your credit score.
The last point is essential for Mint. Since the app is partnering with TransUnion, users can view their credit score for free as many times as they want. The app is free, too, but if you’d like to access more features, you can upgrade for $4.99 a month. The premium version can even care for unwanted subscriptions and give more insight into spending habits.
You Need a Budget
Welcome Mint’s biggest competitor – You Need a Budget. Also abbreviated as YNAB, this financial app might seem similar to all the others on the list. Users can clearly see their budget after importing and categorizing their transactions. There’s a possibility to adjust the categories and note down over- and underspending. Throughout the month, you’ll get budget reports. They show a detailed overview of your spending habits.
Unfortunately, the app is not free. After a trial period of 34 days, users must purchase YNAB for $14.99/month ($99/year).
Jumptask
We’ve looked at two of the most popular budgeting apps that can help you with your finances. Yet, it’s not all about budgeting. Sometimes, you need to master your scheduling or find a side hustle. That’s precisely where Jumptask comes in!
By taking up micro tasks and part-time jobs, you can easily teach yourself how to schedule your time while earning money. Some tasks can broaden your resume, help you gain more professional experience, and boost your confidence. These include:
- paid surveys;
- game testing;
- copywriting;
- professional reviews;
- social media management;
…and more!
Simplifi by Quicken
If you’re looking for a more personal approach to financing, try Simplifi by Quicken. As soon as you start using Simplifi, it does exactly what it says – simplifies your financial management. After syncing your bank accounts, it clearly shows you what you need to work on and how much you have left to spend. In addition to that, Simplifi creates a personalized spending plan.
Any time, you can access your budget and see your cash flow. Moreover, the app can track your bills and subscriptions and help you limit spending on specific categories. Personalized tips also pop up throughout the use, and users can read more on the Simplifi blog.
Zeta
Unfortunately, not all financial apps consider joined budgets. Most of them focus on just one person. Well, Zeta is not one of them. Couples, friends, or household neighbors can use Zeta to manage their spending habits and pay bills every month.
There’s more to it, though. You and your partner can share a bank account, too. It grants users unlimited transfers, contactless payments, and bill pay. Apart from a free joint bank account,
Zeta lets you sync your bank accounts or add data manually. Also, you can create different budgets, track spending, set goals, etc. In addition to shared budgets, users can create personal ones to master their finances.
PocketGuard
What about overspending? Not everyone can take control of their finances with just one budgeting app, right? Wrong. PocketGuard is on top of the list for overspenders. There are two versions, free and premium, and both focus on helping users keep their desires to spend at bay.
First, you connect your checking, savings, and credit card accounts to PocketGuard. Like any other finance app, it’ll track your habits, remind you to pay the bills, and pay off debt. The special “In My Pocket” feature counts how much you earn, spend, and save. Then, the app figures out how much you can freely splurge monthly. Users can also automate their payments and set financial goals.
If you purchase a premium version of the app, you can:
- create categories;
- change transaction dates;
- track cash;
- split transactions;
- export data;
- and more.
Fudget
Minimalist-loving folks, here’s an app for you! After talking about so many apps with countless features, you must be surprised to see Fudget with a straightforward approach. There’s no account syncing, no categories for your spending, only income and expenses.
The app is free, but you can upgrade to Fudget Pro for $3.99. That allows you to change themes, share data between devices, sort your items, use a calculator, and export your data — still, nothing to disrupt your minimalistic budgeting process.
Bottom Line
So, there are quite a few apps that can help you with your financial situation. If you’re struggling to save up or pay off loans, try one of these seven cutting-edge applications to earn more, budget better, take control of spending habits, and manage finances with your loved ones.
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