For those of us that are mathematically challenged monitoring our spending, saving and budgeting can be quite a tiny nightmare. A spreadsheet used to be the answer back in the dark ages; before online tools and better still the advent of the smartphone. top budget app , for those of us who are the little inept with our addition and subtraction there are a whole host of money management apps open to help us keep an eye on our finances. The beauty of these apps is that most are free and will help you to effectively budget (the simplest way to save money) with minimum effort on your own part.
Probably one of the leading apps is Mint; it's made by a global leader in the personal and business accounting world and the functionality of the app is therefore no surprise. The app doesn't let you move money around or make payments but it does let you track all your accounts. Once you've input all the account information into the app it offers you a brilliant summary of how much (or little) can be acquired and what bills are due. Mint organises your outgoings into simple groupings to enable you to see where money is going - essential to identifying regions of overspend and potential savings. It will also very helpfully recommend bank, investment and charge card deals which could offer savings - helping you save time along with money.
The issue with smart phones is often data usage. Real-time management of your data allowance emerges by DataMan. This app is actually a real saver if you regularly go over your allowance resulting in higher rate charges for mobile data. While your provider will often let you know you've reached your limit they often times do so after the fact, which isn't at all helpful. The DataMan app alerts you in real time and can save you a fortune or worse still a data black out! DataMan isn't free, sadly, but at ?1.49 it's almost certainly worth the investment.