Struggling With Finances? These Apps Can Help You Budget

It’s easy to find yourself drowning in debt if you’re not careful. As it is, the second you graduate college you’re burdened with student loans that you must pay off. Add to that the stress of starting your job and paying all your bills, you’re sure to be strapped for cash. And while it may be difficult, borrowing money is not the best route. What you can do however, is practice budgeting and become financially responsible. If you’re wondering how to do that then worry not. Technology has come far and a good finance app goes a long way. Here are some of the best finance apps out there that you’re sure to find useful.

You Need a Budget

For those of you trying to get the student loan off your backs, this is the perfect app. This personal finance app helps you budget your income and gain control over your spending habits. How does it do that? Well, the app is based on four rules.

The first rule gives each dollar a job, the second rule asks that you embrace your real operating expenses, the third focuses on you rolling with the punches and fourth rule has to do with you aging your money which is extremely important as it means you’re also planning for your retirement.

The app allows you to import the transactions from your account and place them under each of the budget categories. By ensuring the budget categories don’t exceed you ensure you don’t overspend. Then at the end of the month, you can see your progress report detailing where you might have splurged unnecessarily.

Personal Capital

Your goals shouldn’t simply be focused on paying off a debt, but rather be aimed towards building your own wealth and while you’re struggling self may not give this much thought, this should always be a consideration no matter how much you earn.

Personal Capital is great for wealth management.Well integrated with more than 14,000 financial institutions, no matter which bank you use, you’ll be able to connect it with this app easily. It helps you manage your assets and your investments along with your checking account. You can create your monthly budget and track you spending, but what it’s really known for is its ability to track and optimize investments. It tells you if you’re on the track to meeting your investment goals and it even provides you with registered financial advisors whose advice is sure to come in handy.

Clarity Money

A lot of companies have moved to the subscription model and chances are that there are many subscriptions you’ve taken out that you don’t remember and that add little value to your life now. The only thing they’re doing now is draining your account and this exactly why having Clarity Money is a must.

It helps you uncover the subscriptions you’re not using and cancel them. It also helps you examine your spending habits and makes recommendations that’ll improve you financial position. In addition to this, you can also attach savings goal. You can make several savings funds, each with a different goal. And the best part, your deposits are helped at a bank that is FDIC insured so you can’t rest assured it’s safe. What’s more, it’s insured for up to $250,000.


If you’re looking for an assistant to help you manage your money, then Prism is a great alternative. Just add your bills to the app and it will help you track the payments made and reminds you of the due dates in advance. Connected with more than 11,000 billers including banks and utility companies, Prism lets you make your payments through the app and even lets you schedule them so you’re never late.  It is the best app out there for making payments.


For those that need to create shared wallets with friends and family, the Spendee is the app you need. It makes managing shared expenses a walk in the park.

The app allows you to import bank transactions, create categories and lets you see how much you’re spending in each area. You can also add the expenses manually to get a more accurate picture of where your money is going. It also helps you track your bills and sends you reminders for the due date to save you from paying late penalties.

Final Words

With these apps on your smartphone, your budgeting worries are sure to be over. Just make sure they have a high-speed internet connection so all your information is available to you at the tip of your fingers. Considering the convenience it provides, your budget should be able accommodate this necessary expense. A call to Spectrum telefono will let you know all the plans offered so you can find the one that fits your pocket. You might as well bundle it with a cable plan and get your financially responsible life started. What do you think?