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Best 15 Money Management Apps That Make Financial Planning Easy

Best 15 Money Management Apps That Make Financial Planning Easy

Do you want to keep a budget, but aren’t sure where to start? Or maybe you have your money in a few different places and want an easy way to keep an eye on it all? We scoured the web and app stores to find the best money management apps so you can dive in, start saving money, and live more financially secure!

1. BudgetSimple (Web)

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    BudgetSimple does exactly what its name suggests: it makes it dead simple to keep a budget. It tracks all of your monthly expenses to make sure you’re staying on track, identifies the places you spend money at most frequently, and lets you know of any pesky monthly fees on your card you might have missed.

    2. Mint (WebiOSAndroidWindows 8)

    Mint is a great app for seeing where all of your money is on all of your devices. It can track your bank accounts, credit cards, and even investments. You can also use it to plan budgets and future expenses, but its main focus is on giving you a financial overview.

    Screen Shot 2014-03-17 at 12.30.26 PM

      3. Yodlee (Web)

      Yodlee-Dashboard

        Yodlee is a lot like an online personal accountant. It provides robust tools for taking note of where your money is going, while also protecting you from bank and credit fraud. It also has savings tools to help you hit your financial goals.

        4. You Need a Budget (Web, Windows, Mac)

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        You_Need_A_Budget_screenshot

          (Image courtesy of Wikipedia)

          You Need a Budget (YNAB) is a great tool for setting a budget and sticking to it. YNAB is nicely designed and gives you a clear report of where your money is going, as well as tools and “four rules” for budgeting to help you save.

          5. Spendee (iOS, Android)

          Screen Shot 2014-03-17 at 12.35.56 PM

            (Image courtesy of Business Insider)

            Spendee is a budget and expense tracker with a heavy focus on design. Spendee is truly beautiful and does a good job of showing you where all of your money is going and how you can adjust course. The only down side is that you’ll need to manually enter your transactions.

            6. Level (iOS, Android)

            Screen Shot 2014-03-17 at 12.36.36 PM

              (Image courtesy of The Verge)

              Level is a very simple app to show you how much more money you can spend this day, week, and month. On the Android version you have nice widgets to display your allowance, and both versions will show you how well you’re staying on budget when you open them up.

              7. Expensify (Web, Android, iOS, Windows Phone, Blackberry)

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              expensify

                Expensify is perfect for the business traveler who wants to easily create expense reports of where he or she is spending money. You can do things such as take pictures of receipts, track your time, log any distances traveled, and print it out whenever you want to for expense reporting.

                8. Budgt (Web, iOS)

                budgt1

                  (Image courtesy of The Next Web)

                  Budgt is another good app for helping you watch your budget, and it’s geared towards college students and other people on more strict monthly incomes. If you’re a student trying to make sure you stick within a certain allowance, this is a great app for you.

                  9. Dollarbird (Web, iOS)

                  dollarbirdcollage_zpsb14453cc

                    (Image courtesy of Cool Mom Tech)

                    Dollarbird is a personal finance app that focuses around creating a calendar of your expenses to give you a high-level view of your expenditures, as well as predict big expenses that will come up in the future. It’s great for making sure you have a macro-level view of your financial situation.

                    10. Pocket Expense (Web, iOS)

                    Pocket-Expense-Personal-Finance-Pie-Chart_thumb

                      (Image courtesy of I Love Free Softward)

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                      The Pocket Expense App is an alternative to Mint. It gives you an overview of all of your accounts and expenses, and helps you keep everything in check without too many bells and whistles.

                      11. Expense Manager (Android)

                      expensemanager

                        (Image courtesy of One Click Root)

                        Expense manager is a highly detailed expense tracker for android phones that gives you an in-depth and high level view of your spending and income across days, weeks, months, and years.

                        12. One Touch Expenser (Android)

                        one-touch-expenser-main

                          (Image courtesy of App Daily)

                          One touch expenser is a simple way to do exactly what the name suggests–track your expenses. It’s especially useful for business travelers trying to keep track of what they need to report for expenses, but anyone can use it to see where their money is going over time.

                          13. Toshl Finance (Web, Android, iOSWindows Phone)

                          Screen Shot 2014-03-17 at 12.39.24 PM

                            Toshl is a fun, personal financial management app that has many of the features of the other apps on this list, and adds in fun animated characters to make it more interesting. It’s also one of the few to also have an app for windows phones!

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                            14. MoneyWise (Android)

                            moneywise

                              (Image courtesy of App Storm)

                              Money wise is a budget tracking app for android. The interesting thing about it is that since it’s manual and not syncing with an online server, you can use the app entirely offline unlike many of the other apps on this list. Great for updating your budget while flying around the country.

                              15. Budget Boss (iOS)

                              Screen Shot 2014-03-17 at 12.40.10 PM

                                (Image courtesy of the iPhone App Review)

                                Budget boss is interesting because it learns your spending habits, and in addition to helping you make a budget, it can predict your spending over time in order to let you know where you’ll likely be at financially in the future. It’s great for helping you adjust course from spending too much of your money.

                                Those are our top 15 picks for great budgeting tools, but ultimately the most important thing is that you have some sort of money-management system. Keeping track of our money is important for ensuring that we’re on track for all of our financial goals.

                                Featured photo credit: credit card by lotushead via SXC.hu

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                                Nat Eliason

                                Writer and Host of Nat Chat

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                                Last Updated on August 15, 2018

                                25 Most Useful Excel Shortcuts That Very Few People Know

                                25 Most Useful Excel Shortcuts That Very Few People Know

                                Imagine if you could use 5 simple shortcuts while working in Excel, and increase your productivity without wasting time for searching information in huge tables, writing long formulas, and sorting the data.

                                Or even better:

                                What if you would get 25 useful shortcuts… and each of them could simplify your work, so you could do much more every day?

                                You’d definitely feel excited to read about them.

                                Today is your lucky day because we are going to share with you in this article 25 great Excel shortcuts you can use in your work every day! This is your lucky chance, so go ahead and become a real professional in Excel without wasting your time.

                                How important are Excel shortcuts for you?

                                The most effective thing to check out if people really need something is to release a survey and look at the results. So, according to the anonymous survey, 99% of people said Excel shortcuts are critical or important for them.

                                In general, there are more than 200 shortcuts in Excel. But when we have analyzed the data about how many shortcuts people know, we got the next results:

                                • 26% of people know 10 or fewer shortcuts;
                                • 61% of people know 10-50 shortcuts;
                                • 10% of people know 50-100 shortcuts.

                                As you can see, not so many people know a lot of shortcuts. Probably, some of them never think about increasing their productivity in such a simple way.

                                Of course, it depends on how deep you use Excel. Some people use this powerful application just for making simple tables or graphs, others use it for everyday work to count something.

                                Most of the accountants and businessmen use much more Excel functions for more complex tasks such as creating VBA macros, managing PivotTables, recalculating huge workbooks, outlining data, etc.

                                But even those people who work with Excel every day very close may know a few shortcuts. Needless to say, they can do their job without shortcuts, but it usually takes for them much more time. T

                                his sounds not funny, especially if you must finish a huge amount of work urgently. There is a great opportunity for you to increase your productivity in Excel and do your job faster with our useful shortcuts.

                                5 Main reasons to learn excel shortcuts

                                Many people don’t understand why they should use shortcuts if they can work without them. Of course, if you use Excel twice per year to make a simple table or a graph, it is probably not so important for you to know many shortcuts.

                                But if you work in Excel every day, sorting huge tables and managing with tons of data, then shortcuts will help you to reach the next five goals:

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                                1. Work efficiently and faster in Excel
                                2. Manage big amounts of data easily and fast
                                3. Stay calm and concentrated even while doing a tedious job
                                4. Make your work accurately and properly without errors
                                5. Get a better understanding of Microsoft Excel

                                Who can use Excel shortcuts?

                                There are a lot of people who can simplify their life with Excel shortcuts, and here are the groups that will definitely love using them:

                                • People who work in banks, finance organizations, etc.
                                • Businessmen who make tons of various reports and presentations in Excel for meetings and briefings.
                                • Students who usually are lazy and impatient to make their homework because they don’t want to waste a lot of time working in Excel.
                                • Private entrepreneurs who keep various data in Excel tables.

                                Whether you are a student who hates Excel because it seems a time-wasting and boring application, or you are an accountant who must recalculate huge worksheets every day without making errors, we recommend reading and learning these Excel shortcuts to make your work simpler and save some time.

                                With these simple but useful tricks, it is so easy to finish your job and get more time for yourself.

                                25 Excel shortcuts to increase your productivity

                                Here are 25 great Excel shortcuts you should learn and use for work or studying to make your job faster and simpler. Try to use them all and you will realize you were totally blind before while working in Excel:

                                1. Format whatever object fast with Ctrl+1

                                If you select any object in Excel – a cell, a chart, a chart axis, a drawing object – then press Ctrl+1, and you will get the Properties dialog for the certain object. This shortcut offers a very quick and easy way to format whatever object you’re working with.

                                2. Use range names with Ctrol+G or F5 key

                                If you use range names (which we strongly recommend to do) and you want to choose the range with a specific name references, press either Ctrl+G or the F5 key, which launches the GoTo dialog.

                                If the name is simple, you can click on it in a list in that dialog. But if it’s at all unusual, Excel won’t list it; so you will need to type in the name. Then press OK.

                                3. Use a range name in a formula with =sum( and F3

                                Suppose you want to use a range name in a formula. For example, you want to sum the Sales range. Enter…

                                =sum(

                                …and then press F3.

                                When you do so, Excel launches the Paste Name dialog. Just choose “Sales” from the list, press the OK button in the dialog, then enter the SUM function’s closing “)” to complete the formula.

                                4. Launch Function Arguments dialog easily with Ctrl+A

                                Suppose you want to check the help topic for a worksheet function. For example, you want to read about the MATCH function. In a cell, type…

                                =match(

                                …and then press Ctrl+A, or click the Insert Function (“fx“) button to the left of the formula bar.

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                                When you do so, Excel displays the Function Arguments dialog, which might offer all the help you need.

                                But if you still want to see the complete help topic, click the blue “Help on this function” hyperlink in the lower-left corner of the dialog. This technique works with all documented Excel functions.

                                5. Copy stuff down the column without scrolling with Ctrl+D

                                If you added a formula in a new column on the right of a huge dataset, and you want to copy that formula down without scrolling, do these steps:

                                • go to the right to the column that has data (the column to the left of the new column with the formula);
                                • press Ctrl+Down – to get to bottom;
                                • move one cell to the right (with arrow key naturally);
                                • press Ctrl+Shift+Up to select the new column, at the top of which is the formula you just created;
                                • press Ctrl+D to fill down the formula.

                                6. Quick access to any function with Alt+

                                By customizing the quick access toolbar, you can create simple shortcuts to commands that you would otherwise have to find in the Ribbon tabs, or macros you have created yourself.

                                The keyboard shortcut is simply selecting Alt+ (the number of the command you wish to select).

                                For example, if you have customized your quick access toolbar to have Calc Sheet, Save, Open. To calculate sheet you would hit Alt+1, for save Alt+2, and for open Alt+3.

                                A lot of people are unaware of this useful function, and it’s a great time saver.

                                7. Format cells with Ctrl+1

                                When you need to format cells, use Ctrl+1. Most people know this as the shortcut for the Format Cells dialog, but you can also use it to format almost anything in Excel, without a care about the state of the ribbon. Try this amazing and simple shortcut!

                                8. Choose visible cells with Alt+

                                When you need to choose visible cells only – use Alt+. This is the trick to copy only what you see. It is a priceless shortcut when you’re manually hiding rows and columns in the table.

                                9. Use filtering

                                Filtering – it is a powerful way to slice, dice, and sort through a huge table of information.

                                It’s amazingly effective when you’re participating in a meeting to discuss something like a sales forecast, and everyone is looking in real-time at your spreadsheet projected on a screen (or on their monitors).

                                To some people, you will be seen as the God of Spreadsheets, and this is not a joke!

                                10. Insert or delete column/row easily with the Ctrl key

                                Some people waste a lot of time even for simple operations, for example, when they need to insert/delete columns and rows in Excel.

                                Use this shortcut to insert: with an entire row or column selected, use Ctrl+Shift ++.

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                                To delete: with an entire row or column selected, use Ctrl + –.

                                11. See formula results with F9

                                If you want to check formula results within multiple formulas, highlight the formula and select F9 to see formula result.

                                Don’t forget to undo before exiting the formula.

                                12. Use ALT+Enter for more text within a cell

                                If you want to add a second line of text within a cell, use ALT+Enter.

                                13. Use EDATE to move a date on by a full calendar month:

                                Here’s how to use EDATE:

                                =EDATE(15/01/16,+1) = 15/02/2016 (15th Feb 2016)

                                =EDATE (15/01/2016,-2) = 15/11/2015 (15th Nov 2016)

                                14. Use EOMONTH to move a date onto the end of the month:

                                Here’s how to use EMONTH:

                                =EOMONTH(15/01/2016,0) = 31/01/2016 (31st Jan 2106)

                                =EOMONTH (15/01/2016,-2) = 30/11/2015 (30th Nov 2015)

                                15. Remove spaces with TRIM

                                TRIM is a useful function known by few people. It removes any spaces at the beginning of a value. This is useful if you are pulling in values from somewhere else.

                                16. Repeat commands with F4 or Ctrl+Y

                                In many cases, you may need to repeat your last action. Use F4 or Ctrl+Y; you can repeat many commands like applying the same borders, format, or insert a worksheet again.

                                17. Quick access to cells with the Ctrl key and Shift key

                                When you need to go to the first or last cell of a worksheet, no matter where you are, use Ctrl+Home, Ctrl+End combinations.

                                And here is a pleasant bonus for you: add the Shift key to select everything on the way!

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                                18. Use Ctrl+ to create a timestamp

                                If you need a date stamp and/or a timestamp in your document, there is no need to type a date and time! Use shortcuts Ctrl+ ; (date) Ctrl+Shift+ : (time). It works like a magic and helps to save your time and nerves.

                                19. Use autosum shortcut for sum function anywhere

                                Autosum shortcut – use Alt =. It is a “magic” shortcut of Excel to automatically insert a sum function.

                                You can use this shortcut to sum rows, columns, or even an entire table in one step without wasting your time.

                                20. Use data validation

                                This is an amazing but underutilized tool in Excel, which can be used for a variety of things:

                                • Create dependent drop-down lists;
                                • Create drop-down lists;
                                • Protect/restrict data input of specific cells (without the need for VBA macros).

                                21. Use conditional formatting

                                It can be used for various purposes such as color format or cell format of cells, rows or columns based on dependent cell values or formats.

                                22. Use formula auditing

                                This is a great tool to analyze and trace precedent or dependent cells, check errors and evaluate formulas.

                                The “Watch Window” is a feature to keep a snapshot of an area of the spreadsheet, and then move to another area of the workbook – particularly valuable if you’re managing large spreadsheets or don’t have a second screen.

                                23. Use Scenario Manager to generate summary outputs of a spreadsheet

                                Scenario Manager (under “What-if Analysis”) enables users to generate high-level, summary outputs of a spreadsheet – without the need to replicate the entire workbook.

                                It will present multiple scenarios of a spreadsheet in a succinct, high-level summary worksheet.

                                24. Use INDIRECT to set up large tables

                                INDIRECT makes it easy to set up tables which reference larger tables without a lot of referencing work or cutting and pasting; especially for dynamic spreadsheets.

                                25. Use OFFSET for complicated calculations or formulas

                                OFFSET can be useful for things like calculating YTD numbers or creating formulas that take data in rows and using in columns.

                                The bottom line

                                As you can see, when you have a boring or tedious job to do, the best way to do it fast is not looking for a way how to avoid it, but searching for the shortest variant to do it!

                                That is why we suggest keeping in mind these Excel shortcuts that will help you to save a lot of time and nerves.

                                If it seems hard for you to remember all them, you can print out the list of shortcuts and keep it on your worktable. Use it to search for some help when you need it, and over time, you’ll remember all shortcuts easily.

                                Featured photo credit: Unsplash via unsplash.com

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