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10 Expense Apps to Easily Track Your Finances

10 Expense Apps to Easily Track Your Finances

In a world of ever-increasing connectivity, it’s no surprise that new industries are joining the digital revolution every day. More notable than most, is the increasing convenience and simplicity that banking apps have given customers. As various companies work towards truly seamless mobile payment methods, many incredible expense apps are already out there. Going far beyond the typical bank app, these expense tracking programs include many helpful and forward-thinking features. 

1. Mint

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    Mint, a free app for android and iPhone, uses your banking data to keep all your account activity in one place. The app lets you program bill reminders, budget and track your spending, but most impressively, uses live banking information to give a full picture of your finances. On Mint, you can add your bank accounts, credit cards, student loans and more, to better manage the total sum of your accounts. Additionally, mint generates graphs on all your spending trends, so you can better work out where you could be saving money.

    2. inDinero

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      Like Mint, inDinero hooks directly into your bank account to bring you live expense activity. This app also focuses on easy expense search features, along with bringing all your accounts into one place. With inDinero you get easy categorization of expenses as well as real-time alerts for your business accounts.

      3. BillGuard

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        BillGuard is another impressive personal expense app. This app uses live transactions from your bank accounts and credit cards to warn you of potentially fraudulent activity. A hugely useful app for users of all economic backgrounds, BillGuard keeps you up to date on your spending, plus automatically alerts you to possible erroneous transactions. Not only that, BillGuard automatically searches the Internet for coupons in the largest areas of spending, so you can start saving money.

        4. Expensify

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          Expensify is a simple and powerful app useful for individuals as well as businesses. Expensify brings a long-desired feature to consumers by automatically converting photos of receipts into expense data. Expensify is incredibly useful, quickly converting purchases to your favorite budgeting software document. Simply take a photo of your receipt, choose which expense report the purchase should be added to, and you’re done.

          5. Shoeboxed

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            Much like Expensify, Shoeboxed lets you take photos of your receipts and automatically converts them into data. This app also eliminates the need for manual data entry, but also keeps a record of your receipt photos. Like Expensify, this app lets you create email reports from your receipt photos; however Shoeboxed also supports automatic mileage expense data.

            6. BizXpenseTracker

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              BizXpenseTracker is a powerful expense app for businesses. This app allows users to simplify business expenses by tracking them all in one place. BizXpenseTracker keeps track of your expenses, mileage and time worked. For expense reporting, the app supports manual expense entries, as well as taking photos of receipts. The app also auto records mileage by using your device’s GPS, as well as supporting mileage by start and end address and total odometer meter reading. Finally, this app calculates time worked hourly by day or by visit, and can automatically calculate overtime worked.

              7. Concur Mobile

              Concur

                Concur Mobile is another powerful expense app for businesses. Concur Mobile not only lets you send and receive expense reports, but allows you to approve and edit them as well. The unique Concur Mobile user interface lets you easily enter airplane travel expenses, plus quickly import credit card information. Not only that, this app lets users manage flight and dining itineraries, check into flights, and even book hotels.

                8. Dollarbird

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                  Dollarbird is an expense app for individuals that makes budgeting easier. Featuring an easy-to-use interface, this app lets users enter their expenses, then helps generate a budget. This app simplifies projecting how much money you’ll have in the future, plus lets you set reminders for your bills. Dollarbird is a powerful expense app for individuals.

                  9. Cashbook Expense Tracker

                  Cashbook-Spending-Tracker

                    Cashbook Expense Tracker is a powerful finance app for the android and Google play market. Cashbook Expense Tracker lets users track expenses and mileage. Like other all-in-one expense apps, this app also features automatic mileage expense reporting using your devices GPS. Categories in this app are fully customizable and users can easily import data from other programs. Finally this all-in-one expense app includes a tip calculator to round out your financial tools.

                    10. Spending Tracker

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                      Spending Tracker is a personal finance app with several important features. This app helps users track their expenses and helps formulate a budget; however Spending Tracker also let’s you set spending goals.  Additionally, Spending Tracker lets you carry over any excess money to next months budget. This free app also helps you track your spending by generating charts and graphs.

                      Featured photo credit: OTA Photos via flickr.com

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                      Published on November 8, 2018

                      How to Answer the Tough Question: What are Your Salary Requirements?

                      How to Answer the Tough Question: What are Your Salary Requirements?

                      After a few months of hard work and dozens of phone calls later, you finally land a job opportunity.

                      But then, you’re asked about your salary requirements and your mind goes blank. So, you offer a lower salary believing this will increase your odds at getting hired.

                      Unfortunately, this is the wrong approach.

                      Your salary requirements can make or break your odds at getting hired. But only if you’re not prepared.

                      Ask for a salary too high with no room for negotiation and your potential employer will not be able to afford you. Aim too low and employers will perceive as you offering low value. The trick is to aim as high as possible while keeping both parties feel happy.

                      Of course, you can’t command a high price without bringing value.

                      The good news is that learning how to be a high-value employee is possible. You have to work on the right tasks to grow in the right areas. Here are a few tactics to negotiate your salary requirements with confidence.

                      1. Hack time to accomplish more than most

                      Do you want to get paid well for your hard work? Of course you do. I hate to break it to you, but so do most people.

                      With so much competition, this won’t be an easy task to achieve. That’s why you need to become a pro at time management.

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                      Do you know how much free time you have? Not the free time during your lunch break or after you’ve finished working at your day job. Rather, the free time when you’re looking at your phone or watching your favorite TV show.

                      Data from 2017 shows that Americans spend roughly 3 hours watching TV. This is time poorly spent if you’re not happy with your current lifestyle. Instead, focus on working on your goals whenever you have free time.

                      For example, if your commute to/from work is 1 hour, listen to an educational Podcast. If your lunch break is 30 minutes, read for 10 to 15 minutes. And if you have a busy life with only 30–60 minutes to spare after work, use this time to work on your personal goals.

                      Create a morning routine that will set you up for success every day. Start waking up 1 to 2 hours earlier to have more time to work on your most important tasks. Use tools like ATracker to break down which activities you’re spending the most time in.

                      It won’t be easy to analyze your entire day, so set boundaries. For example, if you have 4 hours of free time each day, spend at least 2 of these hours working on important tasks.

                      2. Set your own boundaries

                      Having a successful career isn’t always about the money. According to Gallup, about 70% of employees aren’t satisfied with their current jobs.[1]

                      Earning more money isn’t a bad thing, but choosing a higher salary over the traits that are the most important to you is. For example, if you enjoy spending time with your family, reject job offers requiring a lot of travel.

                      Here are some important traits to consider:

                      • Work and life balance – The last thing you’d want is a job that forces you to work 60+ hours each week. Unless this is the type of environment you’d want. Understand how your potential employer emphasizes work/life balance.
                      • Self-development opportunities – Having the option to grow within your company is important. Once you learn how to do your tasks well, you’ll start becoming less engaged. Choose a company that encourages employee growth.
                      • Company culture – The stereotypical cubicle job where one feels miserable doesn’t have to be your fate. Not all companies are equal in culture. Take, for example, Google, who invests heavily in keeping their employees happy.[2]

                      These are some of the most important traits to look for in a company, but there are others. Make it your mission to rank which traits are important to you. This way you’ll stop applying to the wrong companies and stay focused on what matters to you more.

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                      3. Continuously invest in yourself

                      Investing in yourself is the best investment you can make. Cliche I know, but true nonetheless.

                      You’ll grow as a person and gain confidence with the value you’ll be able to bring to others. Investing in yourself doesn’t have to be expensive. For example, you can read books to expand your knowledge in different fields.

                      Don’t get stuck into the habit of reading without a purpose. Instead, choose books that will help you expand in a field you’re looking to grow. At the same time, don’t limit yourself to reading books in one subject–create a healthy balance.

                      Podcasts are also a great medium to learn new subjects from experts in different fields. The best part is they’re free and you can consume them on your commute to/from work.

                      Paid education makes sense if you have little to no debt. If you decide to go back to school, be sure to apply for scholarships and grants to have the least amount of debt. Regardless of which route you take to make it a habit to grow every day.

                      It won’t be easy, but this will work to your advantage. Most people won’t spend most of their free time investing in themselves. This will allow you to grow faster than most, and stand out from your competition.

                      4. Document the value you bring

                      Resumes are a common way companies filter employees through the hiring process. Here’s the big secret: It’s not the only way you can showcase your skills.

                      To request for a higher salary than most, you have to do what most are unwilling to do. Since you’re already investing in yourself, make it a habit to showcase your skills online.

                      A great way to do this is to create your own website. Pick your first and last name as your domain name. If this domain is already taken, get creative and choose one that makes sense.

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                      Here are some ideas:

                      • joesmith.com
                      • joeasmith.com
                      • joesmithprojects.com

                      Nowadays, building a website is easy. Once you have your website setup, begin producing content. For example, if you a developer you can post the applications you’re building.

                      During your interviews, you’ll have an online reference to showcase your accomplishments. You can use your accomplishments to justify your salary requirements. Since most people don’t do this, you’ll have a higher chance of employers accepting your offer

                      5. Hide your salary requirements

                      Avoid giving you salary requirements early in the interview process.

                      But if you get asked early, deflect this question in a non-defensive manner. Explain to the employer that you’d like to understand your role better first. They’ll most likely agree with you; but if they don’t, give them a range.

                      The truth is great employers are more concerned about your skills and the value you bring to the company. They understand that a great employee is an investment, able to earn them more than their salary.

                      Remember that a job interview isn’t only for the employer, it’s also for you. If the employer is more interested in your salary requirements, this may not be a good sign. Use this question to gauge if the company you’re interviewing is worth working for.

                      6. Do just enough research

                      Research average salary compensation in your industry, then wing it.

                      Use tools like Glassdoor to research the average salary compensation for your industry. Then leverage LinkedIn’s company data that’s provided with its Pro membership. You can view a company’s employee growth and the total number of job openings.

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                      Use this information to make informed decisions when deciding on your salary requirements. But don’t limit yourself to the average salary range. Companies will usually pay you more for the value you have.

                      Big companies will often pay more than smaller ones.[3] Whatever your desired salary amount is, always ask for a higher amount. Employers will often reject your initial offer. In fact, offer a salary range that’ll give you and your employer enough room to negotiate.

                      7. Get compensated by your value

                      Asking for the salary you deserve is an art. On one end, you have to constantly invest in yourself to offer massive value. But this isn’t enough. You also have to become a great negotiator.

                      Imagine requesting a high salary and because you bring a lot of value, employers are willing to pay you this. Wouldn’t this be amazing?

                      Most settle for average because they’re not confident with what they have to offer. Most don’t invest in themselves because they’re not dedicated enough. But not you.

                      You know you deserve to get paid well, and you’re willing to put in the work. Yet, you won’t sacrifice your most important values over a higher salary.

                      The bottom line

                      You’ve got what it takes to succeed in your career. Invest in yourself, learn how to negotiate, and do research. The next time you’re asked about your salary requirements, you won’t fumble.

                      You’ll showcase your skills with confidence and get the salary you deserve. What’s holding you back now?

                      Featured photo credit: LinkedIn Sales Navigator via unsplash.com

                      Reference

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