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Last Updated on March 28, 2019

Top 5 Spending Tracker Apps to Manage Your Budget Smart in 2019

Top 5 Spending Tracker Apps to Manage Your Budget Smart in 2019

Managing your budget can seem dull or just not an important concept at all. However, in the world we live in, we have to survive by being financially savvy. It is very easy to swipe a debit or credit card when we are at a restaurant, shopping at the mall, or ordering merchandize on Amazon.

Whether you like or despise finance, it is indirectly part of your life. Everything you do has to do with mathematics. Meaning, it has to do with numbers, so get acquainted with them.

If you are person who stresses out a lot and checks frequently their online banking, do not panic. There are super-friendly and easy-to-use apps that will break down your expenses in an intuitive way.

The next sections will outline spending tracker apps that will alleviate your worries, anxiety and obsessions of how to organize your money.

1. Mint

    Mint was founded in 2006, and is an award-winning service. It offers a comprehensive experience that is free, fast and super easy.

    The capabilities include budgeting tools, alerts, credit scores, mobile support and compatible with Apple Watch. The support is limited to the United States and Canada accounts.

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    Overall, it is a personal finance service with a wide range of resources to users who can track their spending and budgeting, which will calculate your net worth.

    Your net worth is calculated by connecting all of your online finance accounts and verifying your credit score.

    Get Mint here!

    2. YNAB

      YNAP stands for You Need a Budget and was founded in 2004. It is a great and personal budgeting app that is built on a solid approach.

      It is deemed flexible, and offers users educational tutorials to manage finances in a coherent manner. Also, it has a great web interface.

      However, it takes time to learn the platform. And this spending tracker is relatively expensive and has no free versions.

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      Get YNAB here!

      3. Mvelopes

        Mvelopes was founded in 1999. It utilizes a principles of personal finance budgeting and based on the envelope system of allocated spending. It can also roll-over monthly budgeting, which is supported.

        As a user, you can get personalized forecasts and suggestions on how to manage your financial situation. This means, you will be advised on not to make frequent purchases at the mall or on Amazon.

        Ultimately, it helps you the consumer put savings or envelopes away, so you can have financial freedom.

        The drawbacks, however, are that it is time-consuming to get up and running. The interface is dated and the cost of upgrading is not clear with different premium versions.

        Get Mvelopes here!

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        4. Personal Capital

          Personal Capital was founded in 2009 and it is a billion dollar company. The service is regarded as one of the most popular financial management platforms. The app has a free, Free Financial Dashboard, and a paid, Wealth Management Service.

          The pros of the app are budgeting and investment management are all available in one platform. In addition, it includes investment tracking and socially responsible investing.

          But for Wealth Management, it requires solicitation, high fees and has limited budgeting capabilities.

          Get Personal Capital here!

          5. Quickbooks

            Quickbooks was launched in 1992 on the IBM on Microsoft DOS and Apple’s Macintosh. The software accounting program comes in various versions and editions for small to medium-sized businesses.

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            It can be managed from anywhere at anytime, and it is very easy user-friendly. It can help organize everything from your books, manage expenses, send invoices, track inventory and run payroll.

            Beyond the expense tracking, Quickbooks has been adopted by lots of different companies across every industry you can imagine. So this app is particularly recommended for any business owners.

            Get Quickbooks here!

            The Bottom Line

            When it comes to managing your money, it is important to become educated and financially responsible. The messages we are bombarded all around us are constantly associated with spending, and buying. Nevertheless, the messages we should be getting have nothing to do with saving you money.

            Before making unnecessary expenses and purchases, read the fine print. All of these services have free or paid versions to assist you with your money-saving schemes.

            Ask a lot of questions before making any commitments. Search up free financial consultants or advisors to get a sense of where to invest and not spend your money.

            It is very easy to get in debt, so do not live on credit cards unless you can afford to pay them. Use these apps to live within your means and allocate savings in safe investments that will help you in the longterm.

            Featured photo credit: Alexander Mils via unsplash.com

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            Anthony Carranza

            Multilingual writer and journalist covering all things technology and productivity.

            7 Sell Your Stuff Apps That Will Get You Some Extra Cash in Hand Top 5 Spending Tracker Apps to Manage Your Budget Smart in 2019 10 Smartest Productivity Software to Improve Your Work Performance Best 5 Language Learning Apps to Easily Master a New Language How to Start an Online Business That Will Grow and Succeed

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            Last Updated on July 4, 2019

            25 Killer Sites For Free Online Education

            25 Killer Sites For Free Online Education

            Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

            Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

            1. Coursera

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              Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

              Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

              Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

              2. Khan Academy

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                Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

                Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

                3. Open Culture Online Courses

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                  If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

                  Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

                  4. Udemy 

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                    Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

                    Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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                    5. Academic Earth

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                      Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

                      Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

                      6. edX

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                        Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

                        7. Alison

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                          Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                          It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                          8. iTunesU Free Courses

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                            A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                            Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                            Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                            ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                            9. Stanford Online

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                              Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                              Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                              10. Harvard Extension

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                                Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                                Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                                11. Open Yale Courses

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                                  Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                                  12. UC Berkeley Class Central

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                                    Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                                    13. MIT OpenCourseWare

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                                      Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                                      14. Carnegie Mellon Open Learning Initiative

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                                        Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                                        15. Codecademy

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                                          Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                          The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                          16. Code

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                                            Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                            In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                            Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                            17. University of London Podcasts

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                                              The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                              18. University of Oxford Podcasts

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                                                Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                                The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                                19. BBC Podcasts

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                                                  For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                                  Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                                  20. TED-Ed

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                                                    Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                                    Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                                    21. LessonPaths

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                                                      LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                                      22. Memrise

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                                                        Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                                        Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                                        23. National Geographic Kids

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                                                          The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                          National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                          24. Fun Brain

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                                                            Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                            Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                            25. Whyville

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                                                              Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                              Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                              Featured photo credit: Dai KE via unsplash.com

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