Learning how to budget is never easy. Usually, all money-related lessons require a lot of experience and effort. This type of science rarely comes to us naturally. Hence, there is nothing wrong with seeking some additional help online. Fortunately, the Internet is full of programs that can help you manage your budget in an efficient and timely manner. Moreover, the number of such applications is so large that choosing the right one for you can become a problem. Here are the top four budget apps for saving money.
Mint
The biggest advantage of Mint is that it does everything for you. Mint can be synced with all your banking accounts, saving accounts, etc. Thus, it can, first, help you bring all your money transactions and operations into a single space. Second, it can track all your expenses and incomes. So, you can have an easier time seeing how much money you can have among your cards and accounts. Tracing your categories will also be easy as you can create specific categories specifically for each operation.
Overall, the high stance of security and free use of Mint is definitely its biggest advantage. The downside here is that Mint doesn’t have a joint account feature.
Honeydue
Honeydue is a relatively new budget game that steadily wins people over. There is a good reason why it’s rising in the rankings. First, it’s a perfect couple budgeting application. It doesn’t just allow you to have a joint account but encourages it. For instance, you and your partner can chat within the app and share your comments and opinions on the added transactions.
Next, the app is doing a great job of setting clear budgets. Moreover, it even warns you when you are getting too close to those limits. Hence, both users will be notified when they are approaching or exceeding their budgets on some categories. Finally, the app will send you reminders when they are due with the bills and other regular payments.
You can use the app for free, though, be ready for in-app advertisements. Also, there is no desktop Honeydew version, which can be a deal-breaker for some people.
Money Lover
Money Lover can be an excellent choice for the more advanced experience. It may take a few days to learn and appreciate all the possibilities the app offers. However, once you get into the core of it, you won’t switch the app for anything else. The first and major advantage of this software is its ability to customize every aspect of the application. You get to create categories and subcategories according to your needs. Secondly, Money Lover has strong budgeting tools. Thus, you can set your expenses for the upcoming month, quarter, year, etc., and track how you are doing financially at all stages.
Also, you can have a joint account on five devices. Meaning that a family can use the Money Lover together. So, for example, if you and your partner have a joint budget, tracking your finances with this app will be significantly easier. Also, this app comes with the travel budget option. Hence, whenever you are on vacation, you can mark your expenses as travel spendings. Back at home, you will always see how much you actually spent on what and where.
You can download a free version or purchase the premium version.
Simplifi
Simplifi can be just the perfect little helper you always wanted. It does a great job of helping you budget or setting specific financial goals. It can be synchronized to your bank accounts. Thus, it monitors how much (or little) progress you make on your saving or other money goals.
Moreover, this app can also record all your subscriptions and regular bills. Hence, you will always notice if there are any subscriptions you even forgot you had but kept paying anyway. So, for example, students who often ask professional writing services, “Can you https://writeanessayfor.me/, please?” may track these regular payments with Simplifi. It’s super easy and convenient. You can use a free month trial period to see how you like it.
Final Thoughts
All the applications from our list should help you efficiently approach your finances. Yet, this software can only do so much. The main job of operating money is still on you. The app will advise how much of your income you can spend or save, and on what. Yet, the final decision will be on you, of course. Thus, you will need time adjusting and learning to follow the app’s recommendations.
Also, no budget software will work unless you fill it out correctly after you complete any money operation. Such app use must turn into a habit that will also take some time to form. Still, despite all those efforts, the use of such applications will be worth it in the end. Just have some faith and patience. Good luck!
