{"id":356301,"date":"2021-07-27T07:00:00","date_gmt":"2021-07-27T13:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=356301"},"modified":"2022-03-29T20:03:50","modified_gmt":"2022-03-30T02:03:50","slug":"best-finance-apps-for-2019","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/best-finance-apps-for-2019\/","title":{"rendered":"The Best Finance Apps for 2021"},"content":{"rendered":"\n
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You\u2019ve made a resolution to manage your money better in 2021. But budgeting can be difficult if you’re new to it. Luckily, technology has made managing money easier. Companies have developed great apps to help you manage your finances. No more frustrating spreadsheets and trying to figure things out with a calculator.<\/p><\/p>\n\n\n\n

The Importance of Budgeting your Money <\/strong><\/h2>\n\n\n\n

A budget is a spending plan\nfor your money. The goal of having a budget is to help you know in if you’ll\nhave the money to pay an expense or do something recreational. If you don’t\nhave the funds, your budget is a great way to prioritize your needs and wants.\nCreating a budget can help you identify areas where you can cut unnecessary\nexpenses in order to manage your money\nand save.<\/p>\n\n\n\n

Following your budget can help you get out of and stay out of debt<\/p><\/blockquote><\/figure>\n\n\n\n

You can use budgets for short or long periods of time. If you\u2019re trying to create a budget, we want to help. We\u2019ve identified some of our favorite finance apps.  <\/p>\n\n\n\n

Best Finance Apps <\/strong><\/h2>\n\n\n\n

Mint <\/strong><\/h3>\n\n\n\n

The Mint\napp<\/a> offers users a complete snapshot of their finances. Mint is one of the most popular finance apps on\nthe market. After you link your debit and credit cards to Mint, it pulls up a\ncategorized list of all your transactions. The app allows you to keep track of all\nyour finances. <\/p>\n\n\n\n

You can stay on top of your payments, set up a budget,\ntrack investments, schedule your utility payments and receive payment\nreminders. You can access Mint from your computer, phone or tablet. <\/p>\n\n\n\n

You Need\na Budget (YNAB) <\/strong><\/h3>\n\n\n\n

YNAB<\/a> is an app that provides an\ninteractive budget where the user assigns every dollar a \u201cjob.\u201d Jobs include\nliving expenses, investments, savings, credit card payments and more. The\npurpose of the dollar assignments is to provide you with better control over\nyour budget through expense tracking. <\/p>\n\n\n\n

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Transactions from your\nchecking account are easily imported into the app and applied to different\ncategories. It provides an accurate and up-to-date snapshot of your spending.\nThe app also features a financial goal tracker and debt payoff. YNAB is\naccessible through a desktop version as well. The app isn\u2019t free and does cost\n$6.99 a month or $83.99 a year.<\/p>\n\n\n\n

PocketGuard<\/strong><\/h3>\n\n\n\n

Many people have issues\nwith overspending, and that’s where PocketGuard<\/a>\ncomes in. PocketGuard is a budgeting app that helps track all of your expenses.\nIt also helps you know how much money you have to spend. It tracks your\nspending by checking your income and your bills.  <\/p>\n\n\n\n

It tracks all your\nrecurring bills and can help you find better deals on monthly service costs.\nThe simple interface provides a quick glance\nat where your money is going to and what you have left. <\/p>\n\n\n\n

Mvelopes\n<\/strong><\/h3>\n\n\n\n

Mvelopes<\/a> reimagines the old school\nway of budgeting by using labeled\nenvelopes to track available funds. It turns these envelopes it into a digital\nplatform. Once you link all your financial accounts to the app, you can assign digital envelopes to a category- such as dining out or\nutility payments- and assign each one an\namount. <\/p>\n\n\n\n

Once money runs out in an envelope, there is nothing left in the budget for that category\nfor the month. Mvelopes will also track your credit card balances to help make\nsure that you don’t run up a balance. <\/p>\n\n\n\n

There is also a charge for\nthis app each month. You can pick from different plans starting as low as four\ndollars a month. <\/p>\n\n\n\n

Personal\nCapital<\/strong><\/h3>\n\n\n\n

If you want to look deeper\ninto investing, you want an app that will analyze different parts of your finances. Personal\nCapital<\/a> is a wealth management app that helps create a long-term\ninvestment plan for your finances as well\nas track your bank accounts and credit cards. The app doesn’t track spending\nand is primarily focused on your\nlong-term investment goals. <\/p>\n\n\n\n

Personal Capital examines\nbrokers, stocks and other assets. It can find areas where you\u2019re paying too\nmuch in fees and also make suggestions on selling your stocks. It’s ideal for those who want to track their retirement\nsavings and\/or have different investments.\nThe app also provides access to financial advisors to help with your financial goals. <\/p>\n\n\n\n

Prism <\/strong><\/h3>\n\n\n\n

Life gets busy, and sometimes you forget about your bills. Prism<\/a> tracks your bills each\nmonth and sends reminders when they\u2019re due. You can set up automatic payments\nthrough the app so that they get paid when they\u2019re due. It’s a great finance\napp because you can view all your bills in the same app. The app also sends\nconfirmations letting you know your bills have been paid. <\/p>\n\n\n\n

Mobills<\/strong><\/strong><\/h3>\n\n\n\n

The focus of the Mobills app<\/a>\nis to manage your personal finances. Like\nother apps, Mobills categorizes your\nexpenses so you can track the spending within a budgeted amount. Mobills has interactive charts that provides an\ninsightful analysis of your finances. You can add your credit cards to the app\nto track your spending limits and balances. The bill payment feature will\nremind you of upcoming payments and also show you where you\u2019re spending your\nmoney, so you can find ways to save money. <\/p>\n\n\n\n