This popular app has a lot of fans, and it runs on Linux systems courtesy of Adobe AIR, a platform that allows for You Need a Budget’s slick look with easy-to-read graphic qualities. YNAB is great for anyone who’s really into keeping tabs on their budget, and it’s the budgeting software to check out for anyone who wants to get started with budgeting. It offers some great options for support, and for learning about budgeting and living within your means.
Best Visuals: Mobills. Mobills organizes your expenses in categories so you can track your spending is progressing toward your budgeted amount. See the amount you have remaining to spend in each budget category so you can rein in your spending as needed. The budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place. You can add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the app’s features.
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In a separate section that breaks down your interest charges, you’ll see a break down of your finance charges by the type of balances you’re carrying. For example, if you have a purchases balance and a transfer balance, you’ll see details of the finance charges for each. This is because these balances often have different interest rates and grace periods. How to Pay Off Your Finance Charge. Making your minimum credit card payment, which is printed on the first page of your credit card billing statement, is usually enough to cover your finance charge plus a small percentage of the balance. However, if you’re only paying the minimum payment, your balance will shrink at a small pace since so much of the payment goes toward paying interest. You’ll need to increase your minimum payment if you want to pay off your balance faster.
When Are Finance Charges Assessed? Your credit card issuer sends you a bill for your charges every 24 to 29 days based on your billing cycle. Credit card finance charges are typically added to your balance on the last day of the billing cycle. That way, your credit card issuer can take into account all the activity on your account to calculate the correct finance charge.
You’ll be charged a finance charge whenever: the transaction isn’t made under a 0% interest promotion you had a balance at the beginning of the billing cycle the transaction doesn’t receive a grace period, usually cash advances. Any billing errors that you’ve disputed in writing won’t be assessed a finance charge while your credit card issuer investigates your dispute.