Living in the digital age is both a blessing and a curse but right now let’s talk about the blessings. One of the things I love love love about being in the digital age is the access to FREE and Low-cost apps! Yes, free for the win! Here are 5 apps that I use to keep track of my financial status, goals, and save money. And even better, they are free 🙂 ![Tweet “Apps I use to keep track and save money”]
The first free app on the list is Mint. Mint is a free budgeting app that tracks all of your money accounts (banks, credit, loans, retirement, and more) and it keeps a digital version of your budget with you at all times. It allows you to keep a running total of all of your accounts in one place and updates the balances on demand. Another cool thing about Mint is that it keeps track of your net worth! As your debt gets smaller and your savings gets larger this awesome green number gets bigger. I love that because it satisfies the achiever in me 🙂 [Tweet “Use Mint Keep Track of Net Worth”]
Next on the list of awesome free apps is Credit Karma. Credit Karma is amazing. Credit Karma shows you a representation of your credit scores for free. It gathers your data from Transunion and Equifax, two of the top three credit bureaus, and it determines your score based on the information they provide. In addition to this, it shows you the areas where you are lacking and it gives you great tips on how to improve. It’s free for users but in order to make money, they show you credit card offers based on your score. Let me just say that even though I think this app and website are awesome they do not replace getting your actual credit scores from myFico.com and your free annual credit report from annualcreditreport.com. That being said, if you need to see progress in the palm of your hand then the credit karma app is the way to go. [Tweet “Keep Track of Your Credit Score”]
Your Bank’s App
Third on this list is the personal banking app through your bank. This might seem like a no-brainer but you’d be surprised to know how many people don’t have their personal banks’ app! The banking app is good keeping track of your funds, getting alerts when something just isn’t right like unauthorized purchases, or below specified limits to avoid overdraft fees and the like. A lot of banking apps also allow you to pay bills through them so no more late fees. Woohoo! Now this might also be a good time to make sure you have a great password on your account and activate any security features your device may have to just be on the safe side. Even though I have mint I also check my actual accounts quite frequently, partly because I want to make sure, and partly is just because. 😀
Money Saving Apps
Next on this list is something for those who are thrifty and those who want to save money (all of you!). Coupons.com and their app are the business! Their app lets you check out shopping deals from major and boutique stores, search online coupons, and find grocery coupons to use in store. Win! We all know that food is one of most expensive consumables because well…we gotta eat! If you have an Apple device and a wifi enabled printer you can print coupons directly from your phone! How awesome is that? They have a ton of grocery coupons which will help lower your costs on food. Saying that just because they have a coupon for it doesn’t mean you need to buy it! Make the grocery list first then check for coupons 🙂 .
Cartwheel by Target
Finally, I don’t know about you but I love Target. They have this awesome app called Cartwheel! It’s like a mini discount on top of the great prices. Score! Cartwheel has exclusive Target discounts that might be advertised in store but a lot of the times it’s not. I usually make my list, pick up the items I want, then run the barcodes through the app. Usually, mini discounts tend to come up like 5% off here, and 10-15% off there. I love it. I travel to the Target in the Bronx because they have better prices on many things than the supermarket that is a few blocks from me. Even though it costs $3 to park and takes 10 minutes to get there its worth it for the amount of savings.
Here is a small tip! Those coupons you printed out using the Coupons.com app? They can be used at Target on top of the Cartwheel app! YES!
I think these apps are great to begin getting a handle on your money. The banking apps to help you keep track of your money and the coupon/saving apps to make the dollars you spend work a little harder. These are all wins for the digital age!
Now it’s your turn! Do you use any of these apps? Do you have any apps to add to the list? Let me know in comments below! I’ll check them out for future posts!