A New Year is upon us and odds are that you overspent during the Holiday season. Many people did, which makes January an ideal time to reassess your finances and attempt to wrangle them under control. Knowing exactly what’s going in and out of your account is a great way to help your money go further. Here are 10 great, free apps to help you keep on top of things.
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1. Mint (Free) - From the makers of Turbo Tax, Quicken and Quickbooks, Mint is a conveniently hands off way of managing your finances. Simply set the app up with your bank accounts and credit cards, and it does the rest. It makes it easy to pay your bills from within the app, offers up alerts when your funds are running low, and means you're always in the know when it comes to your income.
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2. Goodbudget (Free) - Goodbudget makes it easy to keep an eye on your budget, but more importantly, it enables you to share the information across multiple phones as well as through its website. When you're juggling the household budget, it's useful to be able to see it all clearly. Goodbudget provides convenient statistics as well as all the ins and outs of what's going on each day.
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3. Mvelopes (Free) - Simple and intuitive, Mvelopes lets you quickly categorize your spending so you know exactly where you're paying out the most. You can snap photos of your receipts to import for extra information on your transactions, plus there are real time budgeting updates every time you make a purchase. It'll automatically download transactions from over 14,000 institutions too.
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4. Wally (Free) - A well known name on the App Store, Wally is simple yet effective. With a clearly laid out interface, you can easily enter every time you make a purchase. With location based services, Wally will also identify and categorize where you are, saving you valuable time. Got a savings goal in mind? Wally will throw a notification your way when you hit it, making you feel all the better for it.
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5. Level Money (Free) - Keeping track of what you spend each day, week and month, Level Money makes it easy to build a plan that adjusts accordingly to the bills and income that go through your account. You can choose what you want to prioritize each month, making it simple to save more on quiet months and be more frugal post holidays. A prediction engine means you won't be caught out either.
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6. Spendee (Free) - With a focus on income analysis, Spendee consistently provides intelligent deconstruction of just what's going on with your finances. Enter the numbers going in and out of your account, and Spendee figures out where you could cut back and why. Sharing features are also available for those keen to pay up for the premium version.
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7. Unsplurge (Free) - With a focus on encouraging you to save, Unsplurge provides a regular reminder on why you're trying to cut back. Simply pick a goal that you really want to achieve, log your savings, and feel increasingly encouraged by the app's way of tracking your saving streak. You can share the results with friends too.
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8. BillGuard (Free) - After a brief sign up process, BillGuard makes it possible for you to view all your financial accounts in one place, as well as track your credit score. Through its spending analytics, it encourages you to lower your spending each month, giving you a warm sense of satisfaction and some much needed extra money. Any potential unauthorised transactions are immediately flagged up too, meaning you'll always know if there's an issue.
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9. Personal Capital Money and Investing (Free) - Offering Apple Watch connectivity, Personal Capital Money and Investing ensures you'll always know what's going on. You can link your bank account to it within seconds, before setting up and following a budget each month. At a glance, you'll always know if you're overspending. Investments can also be monitored.
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10. Daily Budget Original (Free) - Clean and simple, Daily Budget Original calculates your daily budget so you know exactly how much you can spend each day. Want to save a little extra that day? The app will move things around for you. A form of wish list function makes it easy to save for large purchases too, with the app adjusting for those expensive days.