For those of us who are mathematically challenged monitoring our spending, saving and budgeting could be a tiny nightmare. A spreadsheet used to be the answer back the dark ages; before online tools and better still the advent of the smart phone. Today however, for all those of us who are the little inept with our addition and subtraction there are a whole host of money management apps available to help us keep track of our finances. manage bills app of these apps is that a lot of are free and may enable you to effectively budget (the best way to cut costs) with minimum effort on your own part.
Probably among 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 allow you to move money around or make payments but it does allow you to track all your accounts. Once you've input all the account information into the app it gives you a brilliant summary of just how much (or little) is available and what bills are due. Mint organises your outgoings into simple groupings to help you see where money is certainly going - essential to identifying areas of overspend and potential savings. It will very helpfully recommend bank, investment and credit card deals that may offer savings - helping you save time along with money.
The problem with smart phones is often data usage. Real time management of your data allowance emerges by DataMan. This app is actually a real saver in the event that you regularly go over your allowance resulting in higher rate costs for mobile data. While your provider will most likely inform you you've reached your limit they often times do so following the fact, which isn't at all helpful. The DataMan app alerts you in real time and can save a lot of money or worse still a data black out! DataMan isn't free, sadly, but at ?1.49 it's almost certainly worth the investment.