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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You've Never Seen Luke James In A Role Quite Like This
Over the years, we've watched Luke James play countless characters we'd deem sex symbols, movie stars, and even his complicated character in Lena Waithe's The Chi. For the first time in his career, the New Orleans-born actor has taken on a role where his signature good looks take a backseat as he transforms into Edmund in Them: The Scare—a mentally deranged character in the second installment of the horror anthology series that you won't be able to take your eyes off.
Trust us, Edmund will literally make you do a double take.
xoNecole sat down with Luke James to talk about his latest series and all the complexity surrounding it—from the challenges taking on this out-of-the-box role to the show's depiction of the perplexing history of the relationship between Black Americans and police. When describing the opportunity to bring Edmund's character to life, Luke was overjoyed to show the audience yet another level of his masterful acting talents.
"It was like bathing in the sun," he said. "I was like, thank you! Another opportunity for me to be great—for me to expand my territory. I'm just elated to be a part of it and to see myself in a different light, something I didn't think I could do." He continued, "There are parts of you that says, 'Go for it because this is what you do.' But then also that's why it's a challenge because you're like, 'um, I don't know if I'm as free as I need to be to be able to do this.' Little Marvin just created such a safe space for me to be able to do this, and I'm grateful for everything I've been able to do to lead to this."
Courtesy
Them: The Scare, like the first season, shines a light on the plight of Black Americans in the United States. This time, the story is taking place in the 1990s, at the height of the Rodney King riots in Los Angeles. While the series presents many underlying themes, one that stands out is Black people and the complicated relationship with the police. "For the audience, I think it sets the tone for the era that we're in and the amount of chaos that's in the air in Los Angeles and around the country from this heinous incident. And I say it just sets the tone of the anxiety and anxiousness that everybody is feeling in their own households."
James has been a longtime advocate against police brutality himself. He has even featured Elijah McClain, the 23-year-old Colorado man who died after being forcibly detained by officers, as his Instagram avatar for the past five years. So, as you can imagine, this script was close to his heart. "Elijah was a soft-loving oddball. Different than anyone but loving and a musical genius. He was just open and wanted to be loved and seen."
Getty Images
Luke continued, "His life was taken from him. I resonate with his spirit and his words...through all the struggle and the pain he still found it in him to say, 'I love you and I forgive you.' And that's who we are as people—to our own detriment sometimes. He's someone I don't want people to forget. I have yet to remove his face from my world because I have yet to let go of his voice, let go of that being [because] there's so many people we have lost in our history that so often get forgotten."
He concluded, "I think that's the importance of such artwork that moves us to think and talk about it. Yes, it's entertaining. We get to come together and be spooked together. But then we come together and we think, 'Damn, Edmund needed someone to talk to. Edmund needed help... a lot [of] things could have been different. Edmund could have been saved.'
Check out the full interview below.
Luke James Talks Ditching Sex Symbol Status For "Them: The Scare", Elijah McClain, & Morewww.youtube.com
Featured image by Getty Images