It's never better than now to start thinking about how you manage your money. It's hard to know where to start, but especially if you're young and have no idea what your Roth IRA or 401 (k) is. Don't worry, today there are many ways to make smart investments and better plan your financial life ̵
If you're struggling to save money, you might find that the automation of the process works for you. Qapital is a smart, rule-based automatic saving app. You connect it to your account and select a savings target and then set IFTTT (if so then) to trigger the transfer of money each time you perform a particular task. For example, it can save $ 10 savings every time you shop at Walmart, Starbucks or any other store. There are many different rules you can set, such as the practical freelance rule that sets a certain percentage of tax each time you get paid. You can also set alerts and it will stop paying when cash is frequent to prevent you from being transferred.
Want to know where you stand financially? PocketGuard can help you synchronize all your bank accounts, credit cards, loans, investments and savings in one place. The app can build a budget for you automatically based on your spending habits. You can also use this app to track your earnings, bills, any subscriptions, create your spending limits, and see if you've reached your goals. The best part is that you can get the app to analyze if you get the best monthly payments and warn you of any unwanted fees or bank charges. You can choose PocketGuard Plus for $ 4 per month or $ 35 per year.
Want to win prizes to save money? Grand can be the perfect app for you. Each week, you will automatically make a cash drawing for every dollar you deposit into your investment account. Each US bank connects to the Grand, and your deposits automatically earn one percent of interest – much higher than the national average rate. Right now, Grand is only available through its website and App Store, even though we hope that an Android app is in the works. And while the monthly fee of $ 2 may seem a bit steep, it may be worth it if it gets used to regularly saving money.
Spendee is about understanding your finances. With this app you can track your expenses and budget so you can save more money. You can connect Spendee to your bank account to track all your expenses, you can create a common account with your family and it supports multiple currencies. This app is free, but you can also choose to upgrade to Spendee Plus, allowing you to make multiple wallets and share them with your family members for $ 2 per month or $ 15 per year. There is also Spendee Premium for $ 3 per month or $ 24 per year, allowing you to synchronize Spendee with all your bank accounts.
If you are looking for one of the best programs to invest small amounts of extra money, you might want to try Acorns. This app can make the heavy lifting by investing automatically for you. It connects directly to your bank accounts and credit cards. It can take some bits from your purchases every day and invest money in a diversified portfolio with more than 7,000 shares and bonds automatically. It is also the SIPC (Securities Investor Protection Corporation) protected up to $ 500,000 to keep the money safe. Acorns cost $ 1 per month for accounts that invest less than $ 5,000. If your account grows to over $ 5,000, the fee is 0.25 percent per year.
This app is about keeping track of and taking care of your expenses. It works across multiple currencies and banks. You can use this app to plan your financial future and keep track of all your expenses and income. The app is free, and it does not require you to make any payments or enter any credit card information. If you pay a monthly fee, you can synchronize your bank transactions and categorize them automatically, create an unlimited number of accounts (there is a limit of three with the free version) and get graph reports on how much your finances are over bank accounts, credit cards and more.
If you want to stay beyond your investments, shares, retirement savings and bank accounts and budget your expenses in a single app, then Personal Capital is the multiplatform financial portal for you. It is also available online and on laptops. Instead of passively tracking your net worth across different institutions like Mint (see below), this free app actively compares your inventory performance to the markets in real time, enabling you to keep pace with your financial health. The app even provides access to a team of professionals who can offer more personalized advice to further grow your next egg, although these optional services cost extra.
Money Lover is a free app that offers a clean, colorful interface and lots of dirty features, but there is a downside. With this budgeting app you can get a lot of granularity with your expenses and automatically categorize expenses for food, drink, games and anything else you can buy, with cute pictures to start. The app also tracks your income and expenses in the past, present and future months, with everything displayed in an easy-to-read format. The biggest problem with Money Lover is that the free version contains some annoying – and often times invasive – ads that interfere with the otherwise amazing interface.
<img src = "data: image / gif; base64, R0lGODlhAQABAIAAAAAAAP /// yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-dt-lazy-src = "http://img.digitaltrends.com/ image / best-black-friday-apps-mint-640×640.jpg "onerror =" dti_load_error (this) "class =" aligncenter size-large wp-image-873752 dt-lazy-load dt-lazy-pending "alt =" Best-Black-Friday-Apps-Mint  Mint, Intuit's personnel cost app, is a lifesaver in keeping tabs on your overall financial health.This budget app is linked to all your various bank accounts, loan accounts and Credit card and show them all within a single, streamlined interface, this is especially useful for finding specific transactions, so you can find out which card or account you used to buy in the department store.The mobile iteration of Mint is also synchronized with the robustness of the service web interface and offers recommendations for new loan accounts and credit cards based on d ina habits
Here's another backup computer that can show you upcoming bills in an instant. change investment app. With Stash, you can invest in small steps – for example, five dollars at a time – and a host of available portfolios, whether you prefer to do it manually or via automatic payments. The app is also built to accommodate the less-than-savvy investor and as such contains educational tools that encourage you to develop smarter long-term financial habits so that you can make audio investments and manage your money with aplomb. Stash will also help you find companies that match your values so that you can choose companies that make progress in equality, ecology and other problems.
Mobills promises fewer issues with a simple interface and a lively display. Oh, and the charts! Did we mention the charts? Mobills offer lots of them, whether you need a pie chart that indicates all your expenses proportionally, a line chart that measures your income over time or any other monetary measure you might want to encapsulate in a visual way. It even has a section for you to plan your dreams and see how long it takes to achieve them based on the money you set aside each month. The latter is a nice feature, at least until you see how long it takes you to save for that vintage vest.
Bills, banknotes, bills. Between tools, mortgages or rentals, student loans, subscription subscriptions, and any other expenses for modern living that are running your cash flows, whether in or out, can be a hassle. Prism helps you keep track of all your financial obligations with an easy-to-read interface and calendars where you can schedule your payment dates and billing deadlines. One of the really good things about Prism is that you can synchronize your accounts with companies to which you pay invoices. Prism claims it works with more than 11,000 billers like Xfinity, Verizon, and so on. – and your bank accounts, so you can get exact billing declarations and keep a perfect account of the money you've taken in and money you've sent out.
Did you know that you can go with family and friends to make a group purchase with PayPal? Read our on Paypal Money Pools and find out what it is and how you can use it.