The present is always the best time to start budgeting. People love to make excuses for why to procrastinate, convincing themselves that tomorrow or the new year makes more sense. What really makes sense is just to get your spending habits in order. But it doesn’t have to be difficult or even boring. This is no longer a world built on your grandfather’s rules for balancing a checkbook. For modern money-saving results in a modern world, turn to technology.
Apps are the way of the world now. If you can think of a useful idea, chances are it’s already been developed as an app. So when it comes to managing your money, instead of grabbing your wallet and counting your bills, take out your phone and look at the complete picture.
“How can you spend if you don’t save?”
Here are a few apps you should consider when budgeting your money better:
This app is made for both iPhone and Android and is free. After all, if you are looking for an app to manage money, it should probably be free, right? The design is simple and links up with your bank accounts and credit card statements, showing you how much you can “wisely” afford to spend at the moment. Additionally, the app takes into consideration your income, bills and other expenses. While there aren’t many options for separating your expenses into categories to keep yourself a bit more organized, the app provides a convenient snapshot of where you stand.
This app doesn’t show you your bank statements or budget goals, but it does help you make efficient shopping lists. For instance, you can put a list together of grocery items and the app recognizes the products and tells you the cheapest place to purchase them. This is wonderful, especially if you are purchasing the same items on a regular basis. There might be a cheaper way to get the same things. This app is for iPhone only though, at least for now. But it is free to acquire and use, so get started today.
This app is similar to LevelMoney, but it does a bit more. The app provides your complete finances, any debts, loans or credit card balances you owe. You can also make notes within the app to remind yourself of additional expense or upcoming costs. Some consider this app to be a bit of overkill when it comes to budgeting because it has so many features and allows you to do so much. That being said, if you have been neglecting your budgeting responsibilities, maybe this is just the app you need. It is free and available for both iPhone and Android.
Don’t turn away from budgeting because you don’t like working out numbers on paper, pushing buttons on a calculator or having to remember all your costs. Get out your phone and download some help. It is so easy that everyone should be saving money. But, if that were the case then articles like this wouldn’t need to exist. Quit preventing yourself from saving and keep money in your account.