For those of us who are mathematically challenged keeping track of our spending, saving and budgeting can be quite a bit of a nightmare. A spreadsheet used to be the answer back the dark ages; before online tools and on top of that the advent of the smartphone. Today however, for those of us who are the little inept with this addition and subtraction there are a whole host of money management apps available to help us keep an eye on our finances. The beauty of the apps is that a lot of are free and may allow you to effectively budget (the easiest way to save money) with minimum effort on your part.
Probably among the leading apps is Mint; it's made by a worldwide leader in the non-public and business accounting world and the functionality of the app is therefore no surprise. The app doesn't permit you to move money around or make payments nonetheless it does allow you to track all your accounts. Once you have input all the account information into the app it offers you a brilliant summary of just how much (or little) can be acquired and what bills are due. Mint organises your outgoings into simple groupings to help you see where money is going - imperative to identifying areas of overspend and potential savings. budgeting apps will very helpfully recommend bank, investment and credit card deals which could offer savings - saving you time and 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 in the event that you regularly go over your allowance resulting in higher rate costs for mobile data. While your provider will most likely 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 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.