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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 January 2, 2019

                  How Personal Finance Software Helps You Get More Out of Your Money

                  How Personal Finance Software Helps You Get More Out of Your Money

                  Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

                  Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

                  Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

                  This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

                  Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

                  What Exactly is Personal Finance Software?

                  Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

                  When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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                  How It Leads to Financial Improvement

                  It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

                  Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

                  Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

                  It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

                  Types of Personal Finance Software

                  When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

                  Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

                  For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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                  Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

                  When to Use Personal Finance Software

                  So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

                  Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

                  1. You Have Multiple Accounts

                  There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

                  If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

                  Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

                  2. You Want to Automate Some or All of Your Payments

                  Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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                  There’s no need to log into every account you have and type in your routing number either.

                  With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

                  3. You Need to Streamline Your Budget

                  Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

                  Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

                  Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

                  4. You Have Specific Goals to Meet

                  Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

                  You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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                  How to Get Started

                  From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

                  Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

                  It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

                  When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

                  Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

                  Final Thoughts

                  Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

                  In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

                  Featured photo credit: rawpixel via unsplash.com

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