Now more than ever before, it?s become necessary for most of us to keep an eye on our spending. As the world economy continues its journey off the precipice, jobs are disappearing, wages falling and our disposable incomes fast vanishing ? leaving only a sense of vertigo every time we open the latest bank statement. Luckily, it?s never been easier to keep track of your cash. Across the board, app developers have been busy concocting simple, hi-tech ways to keep watch on your spending. Here are 7 of the best for surviving this eternal recession:
Mint (Free)
For a freebie, Mint is astoundingly in-depth. Whereas other apps may be content to give you a basic finance overview and tempt you into shelling out a few quid for in-depth features, Mint goes the whole hog. After an initial time-consuming set up, the app will break down all your expenditure into easy to understand pie charts ? so you can see exactly where all your money is going at any given time. As an extra, your smartphone or tablet will receive alerts when your bank balance is about to flat line, making this app both practical and indispensable.
Unsplurge (Free)
Geared towards savers aiming for specific goals, Unsplurge is a cheap and effective way of keeping your spirits up as you desperately try to scrabble enough cash together for a holiday or what have you. Easy to use, simple to navigate and strangely uplifting (just watching your dream car inch closer day by day is surprisingly addictive) Unsplurge is an admirable addition to the ranks of saver apps.
Slice (Free)
Slice links your online shopping accounts (via your email) and creates a real-time, real friendly app by which you can keep track of all your internet spending. Information is presented in easy-to-understand visualisations, and receipts of your purchases from any retailer can be accessed at the push of a button. Great for those who love a little splurge before the end of the month and want to make sure they don?t overdo it.
Manilla (Free)
No working household should be without Manilla. Put simply, it keeps track of your bills and payments so you don?t have to. With alerts for upcoming bills and real-time tracking of all your debt repayments, Manilla is like having your own personal accountant. If your payments are out of control or you?re always being surprised by an unexpected bill, Manilla is the app for you.
DebtMinder (?1.49)
Specifically designed to help you manage your debts, Debtminder requires a small initial layout, but quickly pays for itself. By linking all your various mortgages and credit card repayments, the app works out a series of personal repayment plans, optimised to ensure you pay as little over the long term as possible, without sinking you financially in the short term. Another handy feature is the countdown, which lists the date you will finally be out of debt, giving you a goal to work towards.
TrackMySpend (Free)
Simplicity itself, TrackMySpend is nothing more than the hi-tech version of an old money book, with the added bonus that it does the adding up for you. Simply download, enter your monthly budget then note each expenditure as it happens. Unlike many similar apps, TrackMySpend doesn?t support recurring payments, which can be a great disadvantage for those struggling with mortgages. However, it remains a useful and ?most importantly ? free tool in your on-going war against debt.
HomeBudget With Sync (?2.99)
We?re torn by this app. On the one hand, it costs far more than a frugal budgeting app should. On the other, it does the job better than any app we?ve come across. Alongside all the standard features for keeping track of payments, HomeBudget allows you to sync across devices ? meaning you can track your spending across an entire household. Exceedingly useful for harassed parents with spendthrift tweens or multiple outgoings, HomeBudget is simply the king of budgeting apps.
About the author: Kirsten works for money saving giant Vouchercloud. Their deals such as Debenhams vouchers offer their customers savings, however Kirsten also believes in responsible spending. It is easy to be tempted by offers; these apps can help you monitor your outgoings to help avoid debt issues.
Source: http://www.sellmymobile.com/blog/7-of-the-best-personal-finance-apps/
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