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Try These 5 Top Tech Apps for Managing Money Smarter
Tom Hartford, Senior Editor
May 29th, 2020
Affected by COVID-19? Here are a few resources to help during this unprecedented situation.
On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law to aid individuals and businesses impacted by the COVID-19 pandemic. This bill is the largest of its kind in U.S. history.
Individuals will receive tax credits in the form of a check or direct deposit. No action is required to receive this benefit. This includes $1,200 per adult and $500 per child to individual filers earning less than $75,000 annually, along with other stipulations. Track your Stimulus Check here.
This CARES Act also includes expanded unemployment benefits. Requirements now include self-employed, independent contractors, gig economy workers, and more. To apply, contact your state unemployment office. Find their contact information on the U.S. Department of Labor website.
At this time, mortgage lenders and servicers can provide payment deferral of up to 180 days on federally backed loans. If needed, contact your mortgage provider to discuss deferring mortgage payments.
If you cannot pay rent, talk with your housing provider, as you may be protected under the CARES Act. Read more about COVID rent relief here.
Are you considering taking a fresh approach to managing your money? With springtime in the air, now’s a great time to spring clean your finances.
As you probably know, maintaining a balanced budget is crucial to your financial well-being. But we don’t always make it a priority to sit down, review our receipts, and come up with a financial plan. Thankfully, there are dozens of tech apps for managing money that can help you get started.
With money management apps, you can track your spending, create budgets, and set financial goals on the go. These tech tools are easy, paperless, and help you stay on top of your finances. Best of all, most of these apps are free to download.
Here are a few suggestions on top tech apps for managing money smarter
1. Mint: Personal Finance & Money
Try managing your money with Mint, a free personal finance app that helps maintain your account balances, create a budget, establish financial goals, monitor your credit score, and more. Here are a few favorable features:
Set Financial Goals — Mint allows you to set goals within the app. Say, for example, you want to save up to buy a new car. The app will help to suggest steps you can take to achieve this goal. The app will track and remind you of your progress, too.
Track Your Spending — Mint lets you see exactly where you’re spending your money. You can monitor multiple bank accounts to get a full picture of where your finances are going. You can also keep an eye on when your bills are due here as well.
Build a Better Budget — The app also creates smart budgets based on your unique spending habits. Take advantage of the daily budget tracker and see what you have left over at the end of each month.
2. PocketGuard: Money & Budgeting
Like most money managing apps, PocketGuard syncs your personal accounts so you can track them all in one place. This will help you visualize your spending, and thus, make smarter financial decisions. Here are a few other cool features:
Put Together a Plan — This app can base your financial plan upon your spending and earning patterns. It can also track your income, bills, and recurring subscriptions.
Spend Less on Bills — One of PocketGuard’s most helpful features is showing a list of services users can pay less for. This will help to reveal the best deals and show where you can cut your spending.
Analyze Your Spending Habits — See where your money gets spent most often, and compare this to last month and the month before. You’ll also be able to see what’s left in your “pocket” after bills and savings are all accounted for.
3. Goodbudget Budget Planner
Goodbudget is another app for managing money and budget planning. This one works with a virtual envelope system, just like back in the old days. What’s neat about this app is that you can share the same budget with multiple users. This function is great for families. Here are a few more highlights:
Build a Family Budget — Like we just mentioned, Goodbudget lets you share your financial planning with your spouse, children, or friend, for example. The app syncs with multiple devices or over the web to keep everyone on the same page.
Manage Your Envelopes — The app uses virtual envelopes to help you keep track of how much money you have left to spend for each category. This will let you live within your means and keep an eye on your monthly spending.
Helpful Reporting — Goodbudget also lets you analyze your spending with financial reports that you can download to your desktop. Compare your income vs. spending, view pie charts, and much more.
4. Acorns: Invest Spare Change
Small habits can have a big impact. The Acorns app can round up your everyday purchases and automatically invest them. For example, if your grocery store purchase is $35.78, Acorns will draw $0.22 from your account and invest it. Here are other cool features:
Invest Your Change — Sync your debit card to have the app automatically round up purchases and invest your change. Or, set a recurring investment. The app can withdraw as little as $5 every day/week/month and invest it for you.
Choose Your Portfolio — Choose the stock portfolio that fits your preference. These recommended stocks and bonds are curated by experts and can align with your preferred level of risk.
Find More Cash — With this money managing app, you can partner with other businesses and Acorns will add extra into your investment account. It’s sort of like a cash back program. Also, refer friends to the app for an added bonus.
This app is an easy way to get started with personal investing.
5. Robinhood: Invest. Save. Earn.
Are you new to the world of financial investing? Always wanted to try it out, but not sure where to start? Try the Robinhood app. This tech tool is great for learning the ropes without incurring trading fees. Here’s what makes it great:
No Trading Commissions — This app took the investing world by storm when it began offering no-fee trading. This helps your hard-earned money go further.
Learn About Investing — The Robinhood app also includes education to help new investors get started in the financial marketplace. Learn the terminology and find detailed financial info, too.
Manage Your Portfolio — Get access to ETFs, stock options, dividends, and even cryptocurrency on the Robinhood app.
But remember, investing can be risky. So, you’ll certainly want to do tons of research or maybe even consult a professional before you dive in.
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