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7 Budgeting and Saving Apps to Help You and Your Money

No matter what it is, there’s an app that claims to help you do it better. Saving and budgeting are no exception. There are so many saving and budgeting apps that it can be hard to know which to trust. While this is not a comprehensive list, here are seven favorites: YNAB: Comprehensive Personal Budgeting Similar to Mint (another fantastic comprehensive budgeting app), You Need A Budget – better known as YNAB – is designed to help you live within your means, get out of debt and stop living paycheck to paycheck. It works by automatically tracking your income and expenses and then providing education and support to help you make better choices based on those numbers. YNAB will teach you to give every dollar a job, help you embrace your true expenses and prepare you to expect the unexpected, financially. Mvelopes: Bringing the Envelope System into the Digital Age…

12 Apps to Help Elevate Your Finances

There’s an app for almost everything these days. So, it comes as no surprise you have a wealth of choices to help you budget, save and earn money. With so many options, it can prove difficult to find the best fit for your needs. Here are several of the leading apps in the finance category. Each of these apps has an Apple App Store rating of 4.5 stars or higher. As with any app, the key to success is consistent use. With the help of technology, you’ll have one more tool in your financial toolbelt. Five Awesome Apps That Help You Budget Better Creating and sticking to a budget is one of the best ways to find financial freedom. The following apps keep your budget at your fingertips. Mint: With Mint, you can manage all your finances in one place. Connect the app to your bank accounts, credit cards and…

Save Big With Coupons

If you think couponing is about trimming squares of paper to save 25 cents on toilet paper, you have another thing coming. Couponing looks incredibly different in today’s digital age. Couponing has become much more streamlined and efficient, not mention more lucrative. Whether you are looking to pay down debt or hit a savings goals, learning to take better advantage of discounts and coupons really adds up. The Changing Face of Coupons Once upon a time, coupons were only found in the sales section of the weekly newspaper. Some papers came filled with sale inserts and manufacturer coupons on Sundays. Others included them midweek. While it is true that some newspapers still contain coupons, there are plenty of other ways to obtain them. There are popular online coupon databases to browse. Coupons.com makes it easy to sort by category and then print the coupons t help you save on your…

7 Ways to Keep Your Money and Identity Safe When Using Mobile Payment Apps

It’s not far-fetched to think that someday soon, you’ll be able to leave home needing nothing more than a smartphone. Even today, more and more consumers are beginning to use payment apps to make purchases online, in-store, and to transfer money to friends, family and other organizations. A report from BI Intelligence predicted usage rates of in-store mobile payments would grow 80 percent year-over-year between 2016 and 2020, meaning mobile wallets and payment apps are likely to become even more common. The Rise of the Mobile Wallet Currently, there are two primary categories of payment apps: those that use near-field communication, and peer-to-peer apps. Near-field communication apps, such as Apple Pay, Android Pay (Google Pay) and Google Wallet, store your payment information inside your phone, which you then use in-person to pay for something by scanning the phone to complete the transaction. Peer-to-peer (or person-to-person or P2P) payment lets you send…

7 Tips for Investing When You Don’t Have Much Money to Start

While investing isn’t right for everyone, it is a tried-and-true method of building wealth over time. Many people have the mistaken impression that investing is only for the super-rich, but that isn’t the case. Even if you only have a small amount to get started, you can absolutely invest. Follow along with these seven tips for investing when you don’t have much money to start. Start Small With Investing Apps Some brokerage accounts require a $100 minimum balance or more to get started, but modern investing apps let you open an account with no minimum. An app like Acorns let you start investing with only $5. App Robinhood is a brokerage with no trade fees or commissions so you can buy and sell stocks in small lots without losing a large portion of your investment to fees. Also, some larger brokerage firms allow you to open retirement accounts with a…

How to Curb the Growing Dangers of Distracted Driving

If you’ve purchased a new car anytime in the past few years, you’re driving what amounts to a powerful motorized computer that can reach highway speeds in seconds. Beyond the many mechanical and electrical functions your car’s computer systems control or monitor, are many helpful features and enticing distractions on that glowing computer screen that sits front and center in your dashboard. Dangerous Liaisons You can select among hundreds of radio and satellite stations, browse for your favorite music on your iPod, change the temperature in the car, heat or reposition the steering wheel and the seats, adjust your mirrors, program your GPS to navigate to your next stop, make phone calls, send text messages, check the weather and road conditions, search for restaurants and much more. All of those activities fall under the heading of distracted driving and are extremely dangerous. Even if you don’t drive a car equipped…