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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…

5 Free Financial Apps You Can’t Live Without

When it comes to managing our finances, the struggle is real. According to a 2015 report from the Pew Research Center, 56 percent of Americans are worried about their financial situation. While staying on top of budgets, investment portfolios and expense reports can be an uphill battle, smartphone technology is making tasks like these a lot easier. These five free financial apps will help you manage everything from your budgets to your investments – for free!  Mint One of the most popular personal finance apps available, Mint gives you a real-time, 360-degree view of everything from your bank accounts and credit cards to your 401(k) plan – complete with infographics! After helping you set a savings target and budget amount based on your income, Mint automatically tracks your spending, categorizes it, and alerts you if you’re about to blow your budget. And if you need to cut your spending, the…

Payment Due On

shutterstock_61210954If you’re afraid to open your mail or inbox for fear of the bills inside, you’re not alone. The cost of living is going up, and that means more, pricier bills. As your costs climb, you might be tempted to cancel or reduce coverage on your insurance products for a little extra cash each month. Although this tactic could give you a bit of immediate relief, it’s a poor financial decision. Not only are your insurance expenses some of your lowest when compared with your other bills, but cutting down on insurance now could mean big bills in the near future.
How Do My Insurance Costs Stack Up?
Cutting down on insurance to reduce monthly bills isn’t an effective money-saving plan because, when compared with your other expenses, insurance isn’t that pricey. For example, money guru Dave Ramsey lists the average monthly car payment at $475 per month, but the average monthly car insurance premium is just $150.

A Quick Guide to Purchasing Term Life Insurance

shutterstock_165733118Protecting your financial future is just a few steps away.
If you’ve been avoiding getting a life insurance policy because you think the process is too complicated, think again! All you need is a little bit of time and some follow through to put a policy in place. Term life insurance is one of the simplest and easiest ways to make sure your loved ones have the money they need to survive comfortably if something happens to you—and if you are young and healthy, it’s probably the cheapest protection around, too. Don’t leave your finances in the hands of fate: instead, follow these simple steps to a secure future.
1. Choose an insurance amount
It makes sense to get sufficient insurance right out of the gate. The bare-bones rule of thumb: 10x your current salary. For a more accurate amount, use SelectQuote’s easy-to-use calculator, and in moments you’ll know exactly how much you should be insured for.

20 for 30: 20 Tips for 30-Year-Olds

reading a list“All of us, at certain moments of our lives, need to take advice and to receive help from other people.” -Alexis Carrel

For today’s post we have formed a list of 20 tips that can truly make a positive difference in your life. Although our list is primarily intended for the “thirty-somethings,” we believe there’s something here for everyone. We hope you find our list helpful and fruitful.

20 for 30: 20 Tips for 30-Year-Olds