By Sun Jung • June 30, 2014
Do not think twice before spending – that old adage does not apply to our smart phone generation anymore. Instead, check your phone twice before spending. Nowadays people can find a number of apps that help them keep track of their finance and learn about the latest shopping deals. Be smart and let your phone help you manage your money wisely. Check out this list of personal finance apps that can boost your budget.
Personal Finance Apps
If you plan on hiring a financial planner, consider using free apps first. LearnVest is a personal financial app that is available for computers, iPads, and iPhones. What distinguishes this app from others is that users can talk to a financial expert for free for fifteen minutes upon registration. Moreover, LearnVest allows you to set up personal saving goals – retirement, trip plans, real estate, you name it – by keeping track of your monthly budget. The app devises charts regarding the state of your finances in specific months and your savings’ progress. In addition, simple functions such as tracking daily spending and viewing past transactions are also available. In color coordinated files, you can customize your budget and accounts that make them easier to view.
Sometimes we tend to miss payment deadlines, overdraft, or surpass our card limits. If any of those cases (or all of them) applies to you, download the free app Check from iTunes or Google Play. Check will help you stay on top of your bills by monitoring all your different credit cards, multiple bank accounts, and upcoming bills. When a payment is due, you will get a reminder that allows you to pay at that moment or later. You can also view your credit card and bank account balances in one place without going through the hassle of signing into separate accounts. This is a time savvy and secure app that also helps you to track your monthly spending.
For those who are in the finance industry or simply in need of a personal finance tracker, Personal Capital is the perfect hybrid of an easy and sophisticated app that gives a detailed financial picture. Personal Capital serves as your personal accountant who can summarize simple matters such as spending to complex ones such as stock portfolios. With this app you can track all of your banking accounts and investments. Moreover it provides clear charts and graphs that help you to compare your income and spending by month. It is available on both iTunes and Google Play.
Become a saving guru by downloading RedLaser. This is a barcode scanning app that helps you to compare prices, see reviews, look for stores, and find the latest deals. When you are out shopping, simply scan the item you want to buy with RedLaser to see if it is sold at a lower price in other stores. You do not need to go through the hassle of asking store employees to scan the barcodes, just open your RedLaser and look at the price. Do not miss the opportunity to pay less for what you want by using RedLaser.
Do you often exceed your budget and realize it later when the bill comes in? Download Mint, a personal budgeting app that keeps track of your money flows, set up personal goals, and gives you alerts every time you over-spend. Aside from keeping your spending habits under control, Mint also provides advice on how you can save with your current budget. With its colorful, easy-to-understand pie charts, you can clearly evaluate where most of your monthly money goes. You can also customize this app by setting up your own finance categories.
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Sun Jung Sun Jung is currently an undergraduate student at the University of Southern California majoring in English Literature. Born in South Korea, she was raised in Guadalajara, Mexico for seventeen years before coming to LA for college.