10 Budgeting Apps That Will Get Your Coins All The Way Together
Girls just wanna have funds, right? It's never a bad time to get your money right, and the first step is getting our budget under control.
Whether you're in a place where you want to switch up how you handle your coins or you have never really thought about money at all, a budgeting app is definitely a must for your phone's home screen. And the best part is, each of these apps offer a free version. These apps have a unique way of showing you how to track expenses, look at your spending habits, and lets you know how much you can afford to save.
Get ready to live your best life while keeping your money in check.
11 Best Budgeting Apps For Saving
1.Mint
Mint
Mint has been running the budgeting game for years now. It has already served as the go-to for many of us who know we want to get our money right but aren't quite sure how to start. It lets you sync your bank accounts (which is perfectly safe on this app, of course) and your bills to not only remind you when they're due but also help you develop a system that will make budgeting a breeze. And the clean interface makes it really user-friendly.
2.You Need A Budget (YNAB)
The name really says it all. We all need a budget, but this app does even more than helping you set limits and boundaries for your coins. From letting you know every dollar needs a job, to urging its users to "embrace" their "expenses" and even "roll with the punches" when the unexpected happens, YNAB is an app that understands the realities of saving, spending, and all things budgeting. A bonus is that the app can sync with your computer and phone, so you can have access to it at all times.
3.Albert
iTunes
Albert was one of the first to take budgeting apps to a new level. It goes beyond the traditional way budgeting has been done in the past as it features a Siri-like budgeting friend, named Albert, who can chat with you. He'll tell you how you're doing with your saving goals, let you know if you can afford to eat out for the week, and even give you a friendly side-eye if you start spending more than normal. It's seriously the budgeting friend we could all use.
4.Every Dollar
iTunes
Every Dollar is another budgeting app that has been making major moves in the money industry. This one is a win for those who not only want to budget but want to develop a plan to get out of debt sooner than later. It encourages users to develop a monthly budget, evaluate their spending (and literally track every dollar) while giving them tips on how they can start reducing their debt one dollar at a time.
5.Digit
This is one of the best ways to save money without even missing it. The app, which gives you $5 for each friend you refer, will automatically transfer amounts of money that you don't need into a savings account. This amount is typically between $2 and $17. But no need to freak out because it certainly won't ever transfer more than you can afford. It spends way too much time evaluating your income, bills, and spending habits to make you over save. The key is that you really won't realize it's gone until you look in the Digit app to see how much you've saved. And you can always request it to be transferred back if you need it.
6.Pocket Guard
iTunes
This just sounds like it has your pockets' best interest at heart. Like many other budgeting apps, it first instructs you to link your credit cards and bank accounts so you can have an overview of your financial structure. It then categorizes your bills and expenses for you so you can see a comparison of your income and your expenses. With the money left over, or as Pocket Guard calls it, "in my pocket," you can spend or save depending on your goals.
7.Goodbudget
iTunes
Goodbudget is a great app for couples and families who want to start budgeting and saving together. While it does offer solo budgeting options, one of its main features is providing budgets for entire households. And for those who want to go back to the traditional envelope system, this app will definitely help you go in that direction, so you're never surprised by a checking account deduction you either forgot about or didn't see coming at all. It also helps couples and families develop a budget so they can spend their dollars on what truly matters to them.
8.Prism
iTunes
Known as "magic for your bills," Prism will have you feeling yourself when it comes to taking care of your expenses. The app gives you a major bird's eye view of your bills to help you stay ahead of them. After all, a key to budgeting is calculating and figuring out bills and what we have to pay each month. So apps like Prism and others on this list eases users' minds in letting them know they don't have to figure it all out on their own.
9.Wally
iTunes
This is an amazing app if you want to track your expenses and update your budget on a daily. While that might be too much for some to handle, for others it's a must, and that's where Wally comes in. From putting your regular bills into categories like home, transportation, entertainment, and clothes, to allowing you to scan receipts so it can update your budget ASAP, Wally is one of the most efficient ways to stay on track with what's really going on with your moola.
10. Personal Capital
iTunes
If you already have your budget intact and want to start investing, Personal Capital is an efficient start. While there's a paid version, the free version has its perks too. You can take advantage of a Net Worth calculator and a Cash Flow reviewer and even track your portfolio, key holdings, and all of the ups and downs that come with investing no matter how long you've been in the game. If you splurge for the paid version, you can get a professional investment management feature and have a portfolio created just for you.
11. BONUS: Acorns
Acorns is another investing app that automatically saves your spare change from purchases you make with a linked credit or debit card using a system called "round-ups". So, if you get your Starbucks fix for $2.75, Acorns will round up to $3.00 and automatically invest the $.25. There's also the option to turn off auto transfers if you ever have times when you need all your coins.
What are some apps you use to save? Let us know!
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Charmaine Patterson is a journalist, lifestyle blogger, and a lover of all things pop culture. While she has much experience in covering top entertainment news stories, she aims to share her everyday life experiences, old and new, with other women who can relate, laugh, and love along with her. Follow Char on Twitter @charjpatterson, Instagram @charpatterson, and keep up with her journey at CharJPatterson.com .
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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ItGirl 100: Get To Know Some Of The Most Inspiring And Empowering Women On Our List
The ItGirl 100 List, in partnership with Hyundai, is a celebration of 100 Black women who aren’t afraid to pull up their own seats to the table.
We often see lists featuring amazing women who are seasoned in this thing called life, and our ItGirl 100 List gives flowers to the people they’ve passed the torch to: young millennial and Gen Z women who are innovating and disrupting in today’s world of advancement.
xoNecole has partnered with Hyundai for its inaugural ItGirl 100 List to give these women their flowers today. It’s a celebration of 100 Genzennial women who have built their own tables, launched new businesses, and redefined what it truly means to be blessed, booked, and busy.
Here’s a snapshot of fun facts from a few of the women listed on the ItGirl 100, representing the East, West, Midwest, and South:
EAST
Courtesy
DJ 9AM: DJ & Curator
Representing: Brooklyn
Ultimate ItGirl Song: "On My Mama" by Victoria Monét
Favorite OG It Girl: Nia Long
Zodiac Big Three: Cancer Sun, Taurus Moon, Pisces Rising
Favoring open-format, multi-genre mixes, this DJ has created a winning reputation for rocking a crowd with seamless transitions and selections, always representing Southwest musical and cultural influences.
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Tiffany James, Founder, Modern BLK Girl
Representing:Brooklyn
Ultimate ItGirl Song: "Lucky Girl" by Carlina
Favorite OG It Girl:Naomi Campbell
Zodiac Big Three: Sagittarius Sun, Leo Moon, Virgo Rising
Modern BLK Girl is one of the leading investment groups among women of color, and the founder serves as an avid investor, community builder, and advocate. Tiffany James is also a mentor, utilizing her unique combination of financial and fashion expertise.
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Kat Mateo, Casting Director
Representing: New Jersey
Ultimate ItGirl Song: "Princess Going Digital" by Amaarae
Favorite OG It Girl: Kelis, Eve, Lil Kim
Zodiac Big Three: Aries Sun, Cancer Moon, Cancer Rising
Thriving as a casting director and stylist, Kat Mateo offers a unique point of view that has shaped New York Fashion Week shows, ad campaigns, and editorials. She has also been a major contributor to cultural conversations related to fashion and inclusivity.
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Denise Stephanie Hewitt, Photographer
Representing: Brooklyn
Ultimate ItGirl Song: "Experience" by Victoria Monét
Favorite OG It Girl: Hannah Montana
Zodiac Big Three: Taurus Sun, Aquarius Moon, Aquarius Rising
This Gordon Parks Foundation scholar is a full-time student who has been working to expand her freelance career in photography. Denise is also been featured among Essence'sinaugural list of "Top 10 Creators Under 30," for her unique aesthetics and perceptions through her art.
WEST
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Nayamka Roberts-Smith, Aesthetician
Representing: Los Angeles
Ultimate ItGirl Song: "Tomorrow 2" by GloRilla & Cardi B
Favorite OG It Girl: Meagan Good
Zodiac Big Three: Sagittarius Sun, Leo Moon, Capricorn Rising
Nayamka Roberts-Smith is an award-winning professional in the skincare industry and serves as an educator, offering knowledge on beauty culture. She also is a well-sought-after speaker on beauty and women’s issues, with a following of more than 1 million on social.
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Desiree L. Talley, Esq., Vice President, Legal & Business Affairs, Revolt TV
Representing: Los Angeles
Ultimate ItGirl Song: "Nice" by The Carters
Favorite OG It Girl: Issa Rae
Zodiac Big Three: Cancer Sun, Scorpio Moon, Cancer Rising
An attorney and storyteller, Desiree L. Talley meshes relatability with her legal smarts for the culture. She advocates for cultural advancement and societal change through her POPLAW Podcast while balancing her executive duties at Revolt TV.
Marley Rae
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Marley Rae, Organizer, WalkGood
Representing: Los Angeles
Ultimate ItGirl Song: "Nice For What" by Drake
Favorite OG It Girl: Mariah Carey
Zodiac Big Three: Capricorn Sun, Taurus Moon, Leo Rising
Marley Rae is a Nike Athlete, certified yoga instructor, COO, and Director of Health and Wellness for WalkGood LA, a family-founded non-profit organization. She is dedicated to fostering understanding and care in local and global communities.
MIDWEST
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Shawnee Dez
Representing: Chicago
Ultimate ItGirl Song: "FreeBody Freestyle" by Shawnee Dez
Favorite OG It Girl: Toni Morrison
Zodiac Big Three: Cancer Sun, Aquarius Moon, Cancer Rising
Shawnee Dez is an artist who's all about captivating her audience through encouragement and empowerment. Her music features fluid harmonic layering, live instrumentation fused with digital production, and her unique multi-talented voice in an alto melodic tone.
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Bianca Pastel, Visual Artist
Representing: Chicago
Ultimate ItGirl Song: Anything by Whitney Houston
Favorite OG It Girl: Grace Jones
Zodiac Big Three: Taurus Sun, Leo Moon, Sagittarius Rising
Bianca Pastel's artistic portfolio includes fine art, illustrations, and animation, and she's worked with clients including Disney Pixar, and the NFL, to name a few. Her focus is "empowering the experience of being a Black child and dealing with mental health issues."
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Donyale Walton, Founder, Hoop Mobb
Representing: Detroit
Ultimate ItGirl Song: "Yeah I Said It" by Rihanna
Favorite OG It Girl: Aaliyah
Zodiac Big Three: Virgo Sun, Libra Moon, Capricorn Rising
Donyale Walton's brand Hoop Mobb, celebrates the Black and Brown fashion and cultural impact and presence of hoop earrings. It's grown to earn more than seven figures in annual revenue and a nationwide community of loyal consumers.
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Ticara Devone, Content Creator
Representing: Chicago
Ultimate ItGirl Song: "She's a Bitch" by Missy Elliott
Favorite OG It Girl: Ananda Lewis
The Zodiac Big Three: Libra Sun, Taurus Moon, Virgo Rising
A trusted sneaker enthusiast and content creator, Ticara Devone uses dynamic storytelling to hold space for others with a passion for sneakers. A published writer, she’s worked with brands including Nike and Footlocker and inspires us all by ensuring women are vocal and seen in the multi-billion dollar shoe space.
SOUTH
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AllyiahsFace, Content Creator
Representing: Atlanta
Ultimate ItGirl Song: "Go Off" Doja Cat
Favorite OG It Girl: Gabrielle Union and Halle Berry
Zodiac Big Three: Gemini Sun, Leo Moon, Scorpio Rising
AllyiahsFace's YouTube channel has more than 830,000 subscribers, and she's been hitting the ground running since 2015. Her content creation, which centers on beauty, fashion, and lifestyle, has led to a lucrative career and drawn a close-knit social and real-life community to view and be inspired.
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Jaycina, Executive Director, Tender
Representing: Atlanta
Ultimate ItGirl Song: "All I Got" by Amel Larrieux
Favorite OG It Girl:Tracee Ellis Ross
Zodiac Big Three: Leo Sun, Sagittarius Moon, Sagittarius Rising
Jaycina is a signed model with a nonprofit that works to provide support and community for single mothers in Atlanta. She's also appeared in campaigns for brands including Fenty and GAP as well as features in all your favorite magazines and on billboards across the country.
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Asha Christian, Founder, Coily App
Representing: Atlanta
Ultimate ItGirl Song: "It's My Life" by Mariah Carey
Favorite OG It Girl: Toni Childs (Girlfriends)
Zodiac Big Three: Sagittarius Sun, Leo Moon, Leo Rising
Asha Christian created Coily to provide beauty recommendations utilizing social data. It offers a more personalized, AI-driven experience for users and part of her mission is to provide solutions related to diversity and put the focus back on the consumer. Meshing tech and culture, Christian is innovating with options that exemplify the Black girl magic needed in tech.
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