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Top 4 Finance Trackers That Can Ease Your Money Problems

Do you want to ease your money problems? Then, get the best finance trackers in the country.

Most people can’t last the day without checking their smartphones. After all, checking emails, text messages, and chats is a part of our daily routine.

Smartphones are too smart. They let us shop and pay bills while on the go. But have you discovered that smartphones can also help you keep track of your finances?

Creating a budget, sticking with it, and even investing is easy with downloadable apps. Unfortunately, with all the finance tracker apps out there, it is frustrating to find the right fit for you.

There is a wide range of financial challenges people face each day. Financial troubles are hard to knock off because it involves the dreadful balancing of accounts. If your problems are not solved immediately, it could lead to a financial disaster.

You have to identify first the root of the problem and then how you can overcome it.

Where does your money go every paycheck? How can you have a holistic approach to money management? Can you break off from living paycheck to paycheck? How can you have extra savings with minimum effort?

Best Personal Finance Trackers Apps in 2017

Wally: To track your expenses

Wally is an absolutely free personal finance app. It helps you see where your money goes, how you spend them, and when. You can also save photos of your receipts for the record’s sake.

Financial lives are complicated, and not many of us love accounting. But, with Wally, you can easily see what happens to your money. For example, you learn what goes out and what comes in. Also, you know what was saved and what needs to be tinkered within your budget.

Wally is user-friendly. It makes financial tracking convenient and straightforward. Every time you spend, simply whisk out your phone. The graphs will give you an insight into where your money goes. This way, you will understand your spending behaviour and how to save up.

Mint: To manage your money

The Mint app is a creation of Intuit Inc. It is the same company which created TurboTax (an American tax preparation software package) and QuickBooks (an accounting software package for small and medium-sized businesses).

The Mint App refreshes your finances just as the real mint gives you fresh breath. It is a free web-based financial tool which can tap into your bank, credit cards, investments, and other financial accounts. There is no need to log into different sites. You just need to open your Mint account.

Mint gives you a visual of where your money goes, how much you have in your bank accounts, which account needs funding, and if you are going delinquent with your budget. In addition, mint allows you to handle your finances way beyond the simple budgeting.

You Need a Budget (YNAB): To slowly get out of debt

Tired of living in a cycle of paycheck after paycheck? You Need a Budget is the finance trackers for you. It helps you define your spending behaviour, create a workable budget, pay the debt, and have extra cash for a sudden financial bump.

YNAB forces you to make a realistic budget, unlike the other apps where you can create a budget with the money you don’t have. If you get off track, YNAB will help you adjust your budget so you won’t wreck the whole budget.

The main goal is for you to have money to spend on the last month’s pay. It means you are free from the paycheck to paycheck cycle. You have money to pay debts and extra cash at hand.

Though users have to pay $50 a year, the services and support are worth it. Otherwise, it comes with a money-back guarantee.

Acorns: To make extra savings

Now your spare change can work for you. With Acorns, micro-investing can be a natural way to earn more on the side.

Every time you purchase with the card connected to the Acorns, the app will convert it to the next highest dollar. The difference between the charged amount and the estimated amount will be automatically invested in a low-cost exchange-traded funds (ETFs) portfolio at the end of the year.

Acorns provide a questionnaire to know your financial situation and goals. Then, the app will recommend a mix of ETFs you can invest in. You can manually set up one-time and recurring investments.

Acorns charges a monthly fee of $1 a month for accounts of less than $5,000. Accounts greater than $5,000 are charged 0.25% per month.

These apps can turn smartphones into your financial companion for better money management. Of course, you may use finance trackers apps for various financial reasons. But, their effectiveness will still depend on how you change your spending behaviour.

It takes time and discipline to reach your financial goals. However, there are times when you’ll get into a financial gap. Don’t panic. Get a personal loan from Cash Mart.

Cash Mart offers various loan products with flexible options just as you need them. Give Cash Mart a call at +65 6397 4111 or send an email to info@cashmart.sg for more information.