Mint, Intuit’s personal finances apps, is one of the most well-known personal finance apps that provides your complete financial picture in one place. Once you link your credit and debit cards to your account, Mint pulls your transactions, categorizes them and shows how you’re spending your money. You can keep track of your bills and spending and create a budget you can stick to. Free access to your credit score is one of the more recent additions. You can get a breakdown of the factors contributing to your credit score to stay on top of your credit health. Plus, you can track your investments and schedule utility payments. For bills that you manually pay, the app can send e-mail reminders or add the due dates to your phone calendar. You can use the app exclusively or access your account via computer.
How Promotional Rates Affect Finance Charges. Some credit cards offer a zero percent introductory interest rate to entice new customers who want to avoid interest. During the promotional period, you generally won’t receive a finance charge even if you don’t pay your balance in full. However, once the promotional period ends, any remaining balance will start accruing finance charges at the regular APR. During the promotional period, you can also be assessed a finance charge on balances that aren’t subject to the promotional rate. For example, if the promotional rate applies only to balance transfers, then purchases you make will be charged a finance charge.
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Best for Wealth Management: Personal Capital. Personal Capital. Courtesy of Personal Capital. Personal Capital is a personal finance and wealth management app that allows you to manage your assets and investments along with your everyday spending accounts. The service integrates with more than 14,000 financial institutions so you can link your accounts within the app. While you can connect to your bank account to track spending and create a monthly budget, the app really shines in helping you track and optimize your investments. You can track your portfolio by account, asset class or individual security. With built-in intelligence available on the tablet version of the app, you can discover opportunities for diversification, risk management, and discover any hidden fees you may be paying. Comparing your own portfolio to major market benchmarks allows you to determine whether you’re on track to meet your investment goals. Personal Capital provides registered financial advisors who can provide you with customized advice tailored to your goals.
How Much Is the Finance Charge? Finance charges are calculated each billing cycle based on your APR and credit card balance, so your exact finance charge will typically vary from month to month. Creditors have different methods of calculating finance charges based on how they calculate your balance. Credit card issuers may calculate your finance charge using your daily balance, an average of your daily balance, the balance at the beginning or end of the month, or your balance after payments have been applied. It’s now illegal for credit card issuers to charge a new finance charge on a balance you paid off in a previous billing cycle.
Complete Idiot’s Guide to Managing Your Money. Don’t be offended by the title. This plainly written book shows that anybody can learn to manage their money effectively, and is full of consumer tips, advice on mortgages, debt, mutual funds, auto loans, bank fees, credit cards, and other money-related matters. The book, written by expert financial columnist Robert K. Heady and financial writer Christine Heady, has already gone through four editions and sold millions of copies.