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10 Budgeting Apps That Will Get Your Coins All The Way Together

Finance

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.


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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)

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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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ACLU By ACLUSponsored

Over the past four years, we grew accustomed to a regular barrage of blatant, segregationist-style racism from the White House. Donald Trump tweeted that “the Squad," four Democratic Congresswomen who are Black, Latinx, and South Asian, should “go back" to the “corrupt" countries they came from; that same year, he called Elizabeth Warren “Pocahontas," mocking her belief that she might be descended from Native American ancestors.

But as outrageous as the racist comments Trump regularly spewed were, the racially unjust governmental actions his administration took and, in the case of COVID-19, didn't take, impacted millions more — especially Black and Brown people.

To begin to heal and move toward real racial justice, we must address not only the harms of the past four years, but also the harms tracing back to this country's origins. Racism has played an active role in the creation of our systems of education, health care, ownership, and employment, and virtually every other facet of life since this nation's founding.

Our history has shown us that it's not enough to take racist policies off the books if we are going to achieve true justice. Those past policies have structured our society and created deeply-rooted patterns and practices that can only be disrupted and reformed with new policies of similar strength and efficacy. In short, a systemic problem requires a systemic solution. To combat systemic racism, we must pursue systemic equality.

What is Systemic Racism?

A system is a collection of elements that are organized for a common purpose. Racism in America is a system that combines economic, political, and social components. That system specifically disempowers and disenfranchises Black people, while maintaining and expanding implicit and explicit advantages for white people, leading to better opportunities in jobs, education, and housing, and discrimination in the criminal legal system. For example, the country's voting systems empower white voters at the expense of voters of color, resulting in an unequal system of governance in which those communities have little voice and representation, even in policies that directly impact them.

Systemic Equality is a Systemic Solution

In the years ahead, the ACLU will pursue administrative and legislative campaigns targeting the Biden-Harris administration and Congress. We will leverage legal advocacy to dismantle systemic barriers, and will work with our affiliates to change policies nearer to the communities most harmed by these legacies. The goal is to build a nation where every person can achieve their highest potential, unhampered by structural and institutional racism.

To begin, in 2021, we believe the Biden administration and Congress should take the following crucial steps to advance systemic equality:

Voting Rights

The administration must issue an executive order creating a Justice Department lead staff position on voting rights violations in every U.S. Attorney office. We are seeing a flood of unlawful restrictions on voting across the country, and at every level of state and local government. This nationwide problem requires nationwide investigatory and enforcement resources. Even if it requires new training and approval protocols, a new voting rights enforcement program with the participation of all 93 U.S. Attorney offices is the best way to help ensure nationwide enforcement of voting rights laws.

These assistant U.S. attorneys should begin by ensuring that every American in the custody of the Bureau of Prisons who is eligible to vote can vote, and monitor the Census and redistricting process to fight the dilution of voting power in communities of color.

We are also calling on Congress to pass the John Lewis Voting Rights Advancement Act to finally create a fair and equal national voting system, the cause for which John Lewis devoted his life.

Student Debt

Black borrowers pay more than other students for the same degrees, and graduate with an average of $7,400 more in debt than their white peers. In the years following graduation, the debt gap more than triples. Nearly half of Black borrowers will default within 12 years. In other words, for Black Americans, the American dream costs more. Last week, Majority Leader Chuck Schumer and Sen. Elizabeth Warren, along with House Reps. Ayanna Pressley, Maxine Waters, and others, called on President Biden to cancel up to $50,000 in federal student loan debt per borrower.

We couldn't agree more. By forgiving $50,000 of student debt, President Biden can unleash pent up economic potential in Black communities, while relieving them of a burden that forestalls so many hopes and dreams. Black women in particular will benefit from this executive action, as they are proportionately the most indebted group of all Americans.

Postal Banking

In both low and high income majority-Black communities, traditional bank branches are 50 percent more likely to close than in white communities. The result is that nearly 50 percent of Black Americans are unbanked or underbanked, and many pay more than $2,000 in fees associated with subprime financial institutions. Over their lifetime, those fees can add up to as much as two years of annual income for the average Black family.

The U.S. Postal Service can and should meet this crisis by providing competitive, low-cost financial services to help advance economic equality. We call on President Biden to appoint new members to the Postal Board of Governors so that the Post Office can do the work of providing essential services to every American.

Fair Housing

Across the country, millions of people are living in communities of concentrated poverty, including 26 percent of all Black children. The Biden administration should again implement the 2015 Affirmatively Furthering Fair Housing rule, which required localities that receive federal funds for housing to investigate and address barriers to fair housing and patterns or practices that promote bias. In 1980, the average Black person lived in a neighborhood that was 62 percent Black and 31 percent white. By 2010, the average Black person's neighborhood was 48 percent Black and 34 percent white. Reinstating the Obama-era Fair Housing Rule will combat this ongoing segregation and set us on a path to true integration.

Congress should also pass the American Housing and Economic Mobility Act, or a similar measure, to finally redress the legacy of redlining and break down the walls of segregation once and for all.

Broadband Access

To realize broadband's potential to benefit our democracy and connect us to one another, all people in the United States must have equal access and broadband must be made affordable for the most vulnerable. Yet today, 15 percent of American households with school-age children do not have subscriptions to any form of broadband, including one-quarter of Black households (an additional 23 percent of African Americans are “smartphone-only" internet users, meaning they lack traditional home broadband service but do own a smartphone, which is insufficient to attend class, do homework, or apply for a job). The Biden administration, Federal Communications Commission, and Congress must develop and implement plans to increase funding for broadband to expand universal access.

Enhanced, Refundable Child Tax Credits

The United States faces a crisis of child poverty. Seventeen percent of all American children are impoverished — a rate higher than not just peer nations like Canada and the U.K., but Mexico and Russia as well. Currently, more than 50 percent of Black and Latinx children in the U.S. do not qualify for the full benefit, compared to 23 percent of white children, and nearly one in five Black children do not receive any credit at all.

To combat this crisis, President Biden and Congress should enhance the child tax credit and make it fully refundable. If we enhance the child tax credit, we can cut child poverty by 40 percent and instantly lift over 50 percent of Black children out of poverty.

Reparations

We cannot repair harms that we have not fully diagnosed. We must commit to a thorough examination of the impact of the legacy of chattel slavery on racial inequality today. In 2021, Congress must pass H.R. 40, which would establish a commission to study reparations and make recommendations for Black Americans.

The Long View

For the past century, the ACLU has fought for racial justice in legislatures and in courts, including through several landmark Supreme Court cases. While the court has not always ruled in favor of racial justice, incremental wins throughout history have helped to chip away at different forms of racism such as school segregation ( Brown v. Board), racial bias in the criminal legal system (Powell v. Alabama, i.e. the Scottsboro Boys), and marriage inequality (Loving v. Virginia). While these landmark victories initiated necessary reforms, they were only a starting point.

Systemic racism continues to pervade the lives of Black people through voter suppression, lack of financial services, housing discrimination, and other areas. More than anything, doing this work has taught the ACLU that we must fight on every front in order to overcome our country's legacies of racism. That is what our Systemic Equality agenda is all about.

In the weeks ahead, we will both expand on our views of why these campaigns are crucial to systemic equality and signal the path this country must take. We will also dive into our work to build organizing, advocacy, and legal power in the South — a region with a unique history of racial oppression and violence alongside a rich history of antiracist organizing and advocacy. We are committed to four principles throughout this campaign: reconciliation, access, prosperity, and empowerment. We hope that our actions can meet our ambition to, as Dr. King said, lead this nation to live out the true meaning of its creed.

What you can do:
Take the pledge: Systemic Equality Agenda
Sign up

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