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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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- 2018 Budgeting & Savings Apps Worth Checking Out | Canstar ›
- Mint:Personal Finance & Money on the App Store ›
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- Best Budget Apps | Saving and Budgeting | US News ›
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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 .
This article is in partnership with Sensodyne.
Our teeth are connected to so many things - our nutrition, our confidence, and our overall mood. We often take for granted how important healthy teeth are, until issues like tooth sensitivity or gum recession come to remind us. Like most things related to our bodies, prevention is the best medicine. Here are five things you can do immediately to improve your oral hygiene, prevent tooth sensitivity, and avoid dental issues down the road.
1) Go Easy On the Rough Brushing: Brushing your teeth is and always will be priority number one in the oral hygiene department. No surprises there! However, there is such a thing as applying too much pressure when brushing…and that can lead to problems over time. Use a toothbrush with soft bristles and brush in smooth, circular motions. It may seem counterintuitive, but a gentle approach to brushing is the most effective way to clean those pearly whites without wearing away enamel and exposing sensitive areas of the teeth.
2) Use A Desensitizing Toothpaste: As everyone knows, mouth pain can be highly uncomfortable; but tooth sensitivity is a whole different beast. Hot weather favorites like ice cream and popsicles have the ability to trigger tooth sensitivity, which might make you want to stay away from icy foods altogether. But as always, prevention is the best medicine here. Switching to a toothpaste like Sensodyne’s Sensitivity & Gum toothpaste specifically designed for sensitive teeth will help build a protective layer over sensitive areas of the tooth. Over time, those sharp sensations that occur with extremely cold foods will subside, and you’ll be back to treating yourself to your icy faves like this one!
3) Floss, Rinse, Brush. (And In That Order!): Have you ever heard the saying, “It’s not what you do, but how you do it”? Well, the same thing applies to taking care of your teeth. Even if you are flossing and brushing religiously, you could be missing out on some of the benefits simply because you aren’t doing so in the right order. Flossing is best to do before brushing because it removes food particles and plaque from places your toothbrush can’t reach. After a proper flossing sesh, it is important to rinse out your mouth with water after. Finally, you can whip out your toothbrush and get to brushing. Though many of us commonly rinse with water after brushing to remove excess toothpaste, it may not be the best thing for our teeth. That’s because fluoride, the active ingredient in toothpaste that protects your enamel, works best when it gets to sit on the teeth and continue working its magic. Rinsing with water after brushing doesn’t let the toothpaste go to work like it really can. Changing up your order may take some getting used to, but over time, you’ll see the difference.
4) Stay Hydrated: Upping your water supply is a no-fail way to level up your health overall, and your teeth are no exception to this rule. Drinking water not only helps maintain a healthy pH balance in your mouth, but it also washes away residue and acids that can cause enamel erosion. It also helps you steer clear of dry mouth, which is a gateway to bad breath. And who needs that?
5) Show Your Gums Some Love: When it comes to improving your smile, you may be laser-focused on getting your teeth whiter, straighter, and overall healthier. Rightfully so, as these are all attributes of a megawatt smile; but you certainly don’t want to leave gum health out of the equation. If you neglect your gums, you’ll start to notice the effects of plaque buildup, which can irritate the gums and cause gingivitis, the earliest stage of gum disease. Seeing blood while brushing and flossing is a tell-tale sign that your gums are suffering. You may also experience gum recession — a condition where the gum tissue surrounding your teeth pulls back, exposing more of your tooth. Brushing at least twice a day with a gum-protecting toothpaste like Sensodyne Sensitivity and Gum, coupled with regular dentist visits, will keep your gums shining as bright as those pearly whites.
Many have wondered if one time is ever enough to see Queen Bey. Some argue yes. However, many of us on the opposite end of the spectrum, including myself, would disagree. Beyoncé's "Renaissance World Tour" is a universal yet varying experience for everyone who attends. In the words of Oprah Winfrey, the concert is "transcendent." For millennials, we have over two decades of her catalog that has served as the soundtrack for many of our lives and painted a personal portrait of our most coveted thoughts. Her music provides mental clarity and self-expression by serving as a universal language that has united fans from all walks of life through community, fashion, self-acceptance, and healing.
With a multi-layered approach to her artistry, just as she did on that winter day in December 2013 with the infamous digital drop of her self-titled album, she changed the game again on February 1, 2023, when she announced her world tour in support of Renaissance, her seventh studio album. Her cultural impact set the internet ablaze, with everyone trying to gather their coins, barter for presale codes, and figure out which cities to attend. The group chats were lit, and the Beyhive was stressed trying to get their hands on tickets.
Photo courtesy of Dontaira Terrell
Unfortunately, I was in that number. As the concert dates passed by and the one in my city drawing near all roads led to disappointment. With time ticking on the day of the Miami show and less than two hours to spare, my wallet bit the bullet, and I purchased three last-minute tickets, costing roughly $700.00 a piece (including fees) for me, my 9-year-old and 16-year-old nieces in Section 121 at the Hard Rock Stadium. With 10 minutes before showtime, we eagerly awaited the Queen to take the stage. A sea of metallic fringes, cowboy hats, disco fans, and western boots were in full effect and filled the entire stadium.
As the lights dimmed, a flood of emotions instantly overtook my body. It continued with each note she belted, along with nearly 50,000 roaring fans. The reverberating sound of the music through the stadium transported me from one era of my life to the next. As a teen girl in her bedroom daydreaming about her first love to blossoming into an unapologetic Black woman who is still on a road of self-discovery while learning to lean into the power anthem of "You won't break my soul." For over two hours, and with each set, I felt joy, love, peace, and a commanderie with fellow concertgoers. It was therapeutic as I danced like no one was watching and sang as if I were alone in my bathroom mirror.
There were no bars held, and I realized at that moment, "Nobody can judge me but me." The "Renaissance World Tour" proved to be so vast, and my Black girl joy was re-invigorated. It was magnetic and liberating, and I had to attend again, but this time, I needed to be up close and personal; I needed to be on the floor. In the days that passed, I watched more social media clips in different cities and asked myself if I would really splurge again to attend another Renaissance show.
Photo courtesy of Dontaira Terrell
After all, this would be my thirteenth time (maybe more because I lost count) seeing Beyoncé live, whether she was on tour with Destiny's Child, as a solo artist, or doing a live appearance. I contemplated for a while, but it worked itself out on its own. I was gifted two tickets and the next thing I knew, I was off to LA to attend another Renaissance show with floor seats at SoFi Stadium during Beyonce's 42nd birthday weekend! This time, things were different: no kids were allowed. It was adults only this go round.
Although the energy at the Miami and Los Angeles shows was empowering, infectious, and a celebration of life, happiness, and identity, they each provided their own unique experience. However, both concerts were what I needed for my well-being, leaving me with sore feet from dancing the night away, on vocal rest for the next few days from screaming at the top of my lungs, and on an indefinite high on life.
My introduction and love for Beyoncé began in 1996, while my older sister lived in Houston, TX, right before Bey hit the scene in 1998 with "No, No, No" as a budding R&B member. Her evolution twenty-seven years later as an international superstar and into womanhood has been an incredible journey to witness. As Mrs. Carter reminds each of us in the audience every night before the curtain closes, "I want you to remember this moment, where you're standing, who you came with, and take it with you. I hope you feel inspired."
I truly felt inspired, so thank you, Queen Bey. You awakened my inner child, and I will definitely remember these moments and take them with me.
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Feature image by Kevin Mazur/WireImage for Parkwood