In lean times like those we have all been experiencing, it's important to get your personal finances under control and understand how important it is to manage them properly. Creating a detailed budget and having the discipline to stick to it is often easier said than done.
Thankfully there are plenty of apps available that can help you not only track your income and expenses, but also stash some extra cash which we can all learn to do better.
If you need a little extra help managing your income, bills and spending and with setting aside funds for a rainy day you try one of our favorite free personal finance apps for personal finance:
Mint.com draws data directly from all of your financial accounts, including your personal bank, retirement, college loan and credit card accounts. Then it tells you what you owe to whom, in real-time. It also generates individualized payment and savings plans to help you reach your financial goals.
Mint can be a smart choice for busy people who don't have the time to manually, meticulously enter each and every one of their financial transactions. It automatically tracks and categorizes your activity in each of the accounts you give it permission to sync up with, making it easier to build -- and hopefully adhere to -- a realistic budget. Mint is available for Android, iPhone and iPad.
Just like its piggy bank-inspired name implies, SmartyPig helps you save money. There's only one catch you have to open a free, FDIC-insured SmartyPig savings account. Luckily they're free, just like the app, which lets you save for things you want, like perhaps a house, a car or a vacation. Add money to your savings goals whenever you want right from your phone or tablet. It is rally easy and really user friendly.
You'll need to link up an existing bank or credit union savings or checking account to siphon funds to your SmartyPig account from. Interest rates for SmartyPig on balances between $0 and $50,000 earn 0.995 percent (one percent annual percentage yield).
SmartyPig is available for Android, iPhone and iPad.
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