As an adult, making a budget and then sticking to it can be a bit challenging. There can be an emergency, a family event, or something that you liked on the way back from work that can make you spend more. While we understand that one has to fulfill their desires as well as just needs, doing it a lot will put you in trouble. This is why it is necessary to keep an eye on your expenses. If you find this daunting, there are many apps out there that can help you with this task.
Many of these apps can connect to your bank app to give you a better and customized budget plan and warnings. To get more of these apps, always use Windstream. Windstream Internet plans are a go-to option for you when you need a reliable internet connection.
Furthermore, go through this list of amazing apps that will help you make a budget and then stick to it as well.
- YNAB (You Need a Budget)
Yes, you do need a budget and this app is here to help you out with this task. YNAB has a profound philosophy and reputation when it comes to budgeting. According to the data released by the company, the new budgeters often save up to $600 in the first two months. This is then followed by saving more than $6000 in the first year. YNAB offers a complete budget makeover and a 34-day free trial period. It has maintained comprehensive customer support service and app literacy. The only con we could find was that the app has an annual subscription charge of $98.99.
- Mint
This app is best if you want to monitor your daily financial activities to control if you have a habit of overspending. For the everyday consumer, Mint is one of the best apps present and was also picked by Forbes. It can integrate with your bank app and then you can handle your multiple credit card payments, bills, and debt and even increase your net worth. When you enter your budget details in this app, it gives notifications and all your purchases come in sync. The biggest risk of using such apps is data compromise but Mint uses multilayer security such as multi-factor authentication and other to keep your data safe.
- Personal Capital
If you are planning to make some investments in the future, this is the app for you. Personal Capital has an interface that will not only keep you updated on your day-to-day spending but your bigger investment goals as well. This app also works great on desktops. Personal Capital also gives you the facility of having a retirement plan, debt management, and emergency funds as well.
You can get great 360 financial advice as well. To get started with the app, link your bank app, mortgage, credit cards, student loans, or other necessary things. One con about using this app is that you need to have a minimum amount of $100,000 as a portfolio management service.
- Pocket Guard
As the name suggests, Pocket Guard will be like, well, a guard on your pocket. This app is especially for users who have a habit of overspending. Those who have used this app have said that it helped them curb overspending. The app uses an interface that tracks your income, expenses, and daily spending to draw limits. It’s an easy-to-use basic budgeting app on which you can also check cash flow at glance.
To use the app, however, you will have to pay $7.99 per month, $34.99 annually, or $79.99 as a one-time life subscription charge. There is also a free trial available, so check it out before getting into it.
- Zeta
Are you finding it difficult to maintain a budget with your partner? Zeta is the answer to your problems. This app is specifically designed for couples. This can be used even if you don’t have joint finances. All types of couples are entertained here, engaged, living together, married, or new parents.
This app can be synced with multiple bank accounts through which you can keep an eye on your expenses and net worth, which helps in managing the bills together. You can also sign up for a no-fee joint bank account. This lets you have facilities like contactless payments, digital checks, and access to the Allpoint ATM network.
- EveryDollar
The highlighting feature of this app is its Zero-based budgeting framework. This is easier to use and maintain. If you don’t want to, you don’t have to connect your bank app with it. You can manually enter values (income and expenses) and set budget limits. This is for the free version of the app. Connecting it to the bank app requires a premium version. The premium version costs $12.99 a month or $79.99 annually.
Bottom Line
Keeping to the budget is no more an issue. Use these amazing apps according to your need and start saving money. You will love these apps, even more, when you have extra money to spend during festive days, family events, with people you love, or during emergencies.
