![]() ![]() Recognizing this lets you shift spending from one category (ex. It can be eye-opening to see how your budget does, or does not, fit with your long-term goals. Are you spending hundreds of dollars on clothes each month, when your real life’s goal is to travel the world? If so, your spending is not aligned with your goals. Align spending with priorities: In addition to showing where all of your money goes, it can help you align your spending with your priorities.Their support staff is also top-notch I’ve reached out to them several times with questions, and they are always responsive and helpful. While you don’t need to buy YNAB in order to access the blog or classes, they definitely go together well. You'll also find a blog with good information on important financial topics like emergency funds, credit card management, and investing. In order to get control of your money, and make sure your expenses stay below your income, you need to have a clear picture of what is coming in, and what is going out. “If you can’t measure it, you can’t manage it” – Peter Drucker And they demonstrate a clear need to get a better handle on the in-and-out flow of our money. Statistics like these are shocking and saddening. Forty percent of all people who spend as much or more than their income per month have irregular income. Of those who say that they have too much debt, 96% are stressed about it. Research shows that nearly half of Americans say their expenses are equal to or greater than their income. ![]() Key to this concept is understanding how and where you spend, in order to track, monitor, manage, and improve your finances. Women Who Money is all about helping readers of all levels understand and manage their personal finances. PC Magazine says, “It is our Editors’ Choice for personal finance apps because of its speed and reliability – truly the easiest way to track all your accounts on the fly.” Working in conjunction with Mint’s budget software for your home computer, the handy mobile option condenses the information for quick, simple updates.īut you don’t have to take their word for it.(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. The iPhone app knows the status of your accounts, and gives you a heads-up before you make a bad choice. No time is that more important than when you’re out shopping. ’s budgeting software features alerts that let you know when you’re overbudget, or if credit card or checking account balances drop below your comfort zone. Even if you lose your phone, someone who finds it would have a hard time unraveling the mysteries of your password.Īlerts Are Even More Helpful Away From Home Mint’s mobile app is password protected as tightly as any mobile banking app. Privacy Protected, Even if You Lose Your PhoneĪ portable budget app sounds great, but how is that safe? Not to worry. Because everything communicates, the same information will be waiting for you on your home computer. ‘s iPhone app lets you enter cash purchases as you make them, and your account reflects the activity right away. That doesn’t mean you have to hold onto receipts or hopefully remember every penny that you spent in order to enter those purchases once you get home. With a mobile app, you can do that while standing in line or sitting in the passenger seat on the way to the show.ĭebit and credit purchases update in mobile budgeting software automatically, but cash purchases require manual entry. You won’t have to sit down and examine the state of credit card and bank accounts before heading out the door. Mobile is by definition portable, so you can take your budgeting software any place you want to go. It lets you know if you can splurge on the Mondo Snack Pack at the movies or buy your favorite band’s concert T-shirt at a show without breaking your budget. It also means freedom.Ī budget app for your iPhone is like a little conscience on your shoulder. It puts everything you need in one place so you’re never left wondering until you get home. The overwhelming benefit of an iPhone personal finance app is convenience. The word “easy” rarely applies to personal finance, but a budget app for your iPhone makes it happen. ![]() No more logging into a bank account app or a credit card account app, and scanning through transactions to see whether or not something has posted. ![]() Imagine having access to detailed information about all of your accounts in one simple app. ![]()
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