Quantcast
RELATED

If you're like me, you like the freedom that money can bring. Budgets, investments, and proper money management are all part of creating the life that you want and making your coins work for you. But sometimes life happens, and the dreaded B-word (budget) can seem like a noose around your neck, not a resource that ensures you reach your goals. Between taking care of everyday bills, managing households, trying to advance in our work, practicing self-care, or taking on new challenges, there can seem like there's barely enough time in the day to really zero-in on financial fitness or keep up with ways we can save or invest as often as we should.


Well, these 8 money management apps make keeping an eye on your financial growth a bit easier and take a bit of stress out of it all:

1.EveryDollar 

This is an app by Ramsey Solutions (yes, think, Dave Ramsey and Rich Dad, Poor Dad) and it allows you to plan your spending, manage savings and debt payments, and track expenses. Transactions can be set up to stream automatically and create custom budget reports.

2.Mint

Mint is a tried-and-true app that's easy to use for budget planning, and a place to manage all of your bank accounts. You also have an online resource for all of your personal finance needs.

3.Acorns

Another OG in the personal finance app game, the Acorns app helps you by automating your savings, rounding up your purchases and putting the extras in an investment portfolio.

4.PocketGuard

This one is great for overspenders (i.e. me) because it uses a special algorithm to track how much you earn and spend, along with your savings goals, and then gives you a limit based on those factors. It takes the guesswork and the temptation out of the equation.

5.YNAB (You Need A Budget)

If the name doesn't spark your interest, this should: Not only does this app give guidance to meet your financial goals via tutorials and educational materials, it's made to cater to people with modest incomes. YNAB sticks with the basics of personal finance because your dollars are assigned to a particular task and the account information is in real time (so no delays thinking you have money to spend when you might have forgotten about a bill due or that pack of gum you bought.)

6.Joy

This one is all about the user's happiness, and it provides financial coaching and savings resources. Joy allows you to rate your emotions when buying certain things and then logs this for a report. It's an awesome resource to keep track of your motivations for the purchases you make and evaluate your spending choices based on that. Their website also has awesome content on income-earning options, money tips and more.

7.Digit 

Digit is another that uses data on your income and spending habits to automate your savings. Every few days, it will transfer money into a Digit account based on how you spend your money, your upcoming pay and the state of your linked bank accounts. There's also a text option for transferring funds.

8.Zeta

If you have a serious significant other or spouse, this app is perfect for you. Zeta is made for managing joint accounts or simply keeping track of one another's spending. There's also an option to sign up for a joint no-fee account, and their website offers resources and tips for couples who tackle to financial fitness together.

Featured image by Getty Images

 

RELATED

 
ALSO ON XONECOLE
Generation To Generation: Courtney Adeleye On Black Hair, Healing, And Choice

This article is in partnership with Target.

For many Black women, getting a relaxer was a rite of passage, an inheritance passed down from the generation before us, and perhaps even before her. It marked the transition from Black girlhood to adolescence. Tight coils, twisted plaits, and the clickety-clack of barrettes were traded for chemical perms and the familiar sting of scalp burns.

KEEP READINGShow less
A 5-Year Healing Journey Taught Me How To Choose Myself

They say you can’t heal in the same place that made you sick. And I couldn’t.

The year was 2019, and I knew I had to go. My spirit was calling me to be alone and to go alone. It was required in that season. A few months prior, I had quit my job. And it was late 2017 when I had met trauma.

KEEP READINGShow less
What Loving Yourself Actually Looks Like

Whitney said it, right? She told us that if we simply learned to love ourselves, what would ultimately happen is, we would achieve the "Greatest Love of All." But y'all, the more time I spend on this planet, the more I come to see that one of the reasons why it's so hard to hit the mark, when it comes to all things love-related, is because you first have to define love in order to know how to do it…right and well.

Personally, I am a Bible follower, so The Love Chapter is certainly a great reference point. Let's go with the Message Version of it today:

KEEP READINGShow less