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8 Great Apps that Will Help You Save Time and Money

8 Great Apps that Will Help You Save Time and Money

There are plenty of great opportunities for self-improvement and indulging in small pleasures in this world, but lack of time and/or money often get in the way and keep us from moving straight forward and jumping on these opportunities. It can be tough to reduce spending and save some money if you don’t have a clue where your money is going and how much of it slips through the cracks. At the same time you can’t really efficiently manage your time if you are not productive and don’t have a defined schedule, which in turn limits your ability to spend more time learning new skills or getting enough rest.

Well, the good news is that the smartphone you have is good for more than just chatting with friends, browsing social media and playing games when you are bored – which you shouldn’t be doing in the first place if you are concerned with productivity and time management. Here is a list of some excellent apps that will help you save time and money during the course of your daily life.

1. HomeBudget with Sync

HomeBudget

    Effective budgeting should be your top priority, and the HomeBudget with Sync app has everything you will need to keep track of your spending and find that perfect balance between income and expenses. The app features a user-friendly design that is both very visually appealing and easy to navigate. Apart from standard functions like the ability to store a photo of a receipt and view handy charts, you can also access all the budget information in the cloud from different devices, allowing multiple people to effectively keep track of a collective budget.

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    2. Splitwise

    Splitwise

      One of the worst things for a well-thought out budget is when you live with or frequently go out to eat and drink with a bunch of different people who don’t share the same budget. It can be very easy for one person to end up constantly having to pay more and lose out on transactions like paying the bills or buying rounds. With the Splitwise app you can effectively split up bills and keep track of who has paid for what, without getting into arguments or playing the guessing game.

      3. TripLog

      TripLog

        Budgeting home expenses is all well and good, but what about when you hit the road? TripLog is an automatic mileage-tracking app that enables you to track your mileage, expenses and show your routes on a map. When your mobile device is plugged in the all automatically starts tracking once you go over 5mph. It is a great tool for those who drive a company car and need to write reports, and a good way to see which routes are more effective and give you a look into how much you spend during your daily commute, so you can work out how to save a lot of time and money.

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        4. Viber

        Viber

          Why spend more money every month and lock yourself into prolonged cell phone contract, when you can talk all you want and send as many messages as you want for free with Viber? Even better, Viber is now available for desktops as well. You will be surprised at just how much you can save on your phone bills once you switch over, especially if you are a very social little birdie and use your phone quite a bit during the day.

          5. CubeAnywhere

          CubeAnywhere

            Aimed at the more business oriented crowd – be they freelancers, team managers or entrepreneurs – CubeAnywhere gives you the ability to easily keep track of different projects and costs involved with useful charts. You can access the information from anywhere in the world and from any device, as the information is stored in the cloud and the app is integrated with Google’s services, like Google Docs.

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            6. EverNote

            Evernote

              It’s incredibly easy to forget things or lose track of your obligations, so a good schedule planner should be everyone’s top app. However, EverNote provides a lot more functionality, allowing you to quickly jot down information, take notes when inspiration strikes, and even manage expenses. Not only will you stick to your schedule, but you will be able to write down ideas when you feel most creative and productive, no matter where you are. It will probably be the one app on your phone that you end up using the most.

              7. Any.do

              Anydo

                If you are looking for a more minimalist streamlined approach for organizing your tasks, for instance checking off items on the list with a quick finger swipe, then Any.do is the right choice for you. All your to-do lists, projects and tasks can be shared with your co-workers, roommates or family members, as well as accessed from any device, so you can all stay on top of things wherever you are. You can even turn missed calls into reminders and put a widget on your home screen to always stay informed on the tasks that are coming up.

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                8. Contacts+

                Contacts plus

                  A lot of the time you end up mixing up numbers, forgetting who the person you need to call is or just have a very messy contacts list in general, which means it takes time to find and contact the right people. Contacts + allows you to set up a beautifully designed contacts list that can be prioritized by frequency of calls. It is synced with Facebook, Tweeter and the Whatsapp free messaging app, so you can add a current profile picture to every entry and quickly contact them via call, SMS or message them through social media. You can also get birthday reminders.

                  So, all you busy people out there who are leading a hectic lifestyle and are always strapped for cash or running late, get some of these useful apps and start getting your life in order. With enough time and effort you will be able to become a busy little ant that always stays on top of all tasks, which will lead to you having more free time and wasting less money.

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                  Ivan Dimitrijevic

                  Ivan is the CEO and founder of a digital marketing company. He has years of experiences in team management, entrepreneurship and productivity.

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                  Last Updated on July 20, 2021

                  Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

                  Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

                  Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

                  Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

                  Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

                  In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

                  Break Free of Your Finances

                  Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

                  When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

                  Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

                  Though it seems hard to believe, it is really very simple to get financial freedom.

                  To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

                  While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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                  Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

                  1. Stop Unnecessary Spending

                  We often spend money inwardly, instead of objectively.

                  For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

                  To stop this habitual spending, log down all your spending over the course of a month.

                  Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

                  This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

                  2. Plan a Monthly Budget

                  This is a great opportunity to get serious.

                  Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

                  Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

                  3. Cut-up Credit Cards

                  Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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                  If not, you may want to consider ridding your life of the burden that credit cards bring.

                  Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

                  Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

                  4. Increase Savings

                  There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

                  It’s good practice to save up to 15% of your income.

                  Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

                  Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

                  5. Invest Wisely

                  Consider investing in funds.

                  Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

                  To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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                  Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

                  6. Invest in Gold

                  There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

                  You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

                  Another way to invest in gold is through ETFs (Exchange Traded Funds).

                  These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

                  With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

                  7. Stash Emergency Funds

                  Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

                  If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

                  Make it hard to get your cash.

                  Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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                  8. Find Fabulous Mentors

                  Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

                  If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

                  There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

                  9. Be Extra Patient

                  Patience is the key of financial success.

                  Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

                  So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

                  Financial Freedom for All

                  Anyone can achieve financial freedom, regardless of their financial circumstance.

                  Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

                  Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

                  Featured photo credit: rawpixel via unsplash.com

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                  Reference

                  [1] Hartford Gold Group: IRA Retirement Accounts

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