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.
Your Money or Your Life’s subtitle, ”9 Steps to Transforming Your Relationship with Money & Achieving Financial Independence,” says a lot about co-authors Vicki Robin and Joe Dominguez’s philosophy about personal finance, which is that personal finance is as much as emotional exercise as it is mathematical. Your Money or Your Life was first published in 1992 and has since gone through a revised edition that brought the New York Times Best Seller into the 21st century. Robin and Dominguez give consideration to some of the most common personal finance questions: Do you spend more than you earn? Would you like to change jobs but can’t afford to?
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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.
Strange Stuff. If investors are behaving rationally, there are certain events that should not happen. But they do. Consider, for example, some evidence that stocks will have greater returns on the last few days and first few days of the month. Or the fact that stocks have been known to show lower returns on Mondays.
Best for Shared Expenses: Spendee. Many other personal finance apps are for individual use. Spendee allows you to create shared wallets with friends and family that you can use to manage shared expenses for a household budget. Import your bank transactions and let the app categorize them for you to tally how you’re spending money each month. You can manually add cash expenses for a more accurate picture of where your money goes. Keep from going over budget by creating budgeted amounts for each spending category and tracking your progress toward the budgeted amount. The bill tracker functionality ensures you remember to pay each of your bills and avoid late payment penalties. If you’re going on a trip or another special event, you can create a category specifically for that event to track your spending and keep yourself on budget.