Wally does require monthly payment to link your bank account to the app, but you can refer friends to earn “coins” that you can exchange for premium features. You can also create payment reminders and notifications and plan out your expenses on a calendar. On the other end of the cost spectrum, there is Wally, which allows you to track and plan your monthly budget for free. If you are in a stable position and looking for a way to unify your checking accounts, savings accounts, credit card accounts, investment accounts, and all your other forms of personal capital, Banktivity may be the budgeting software for you. On that note: This app probably isn’t for anyone who struggles with financial health, and could be better for someone who has account balances in the black and is looking to increase their net worth through strong budgeting. You will also need a subscription to their Direct Access program if you want to automatically connect your financial information to it. While Banktivity has a free trial and a free iPhone version, you will have to spend around $70 if you want to use the software on different Apple devices. If this sounds like you, or if mobile phone addiction or gaming is a problem for you, it may be wise to skip this expense tracking choice. Of course, if you aren’t careful, you may feel incentivized to make additional purchases so you will have more transactions to record. As your town grows, you will be able to track how you have been spending money. The game will reward you for recording each of your expenses, which will hopefully encourage you to use to use the app without forgetting. It’s a town-building game where the resources to build different categories of buildings come from recording different categories of spending. If you are having trouble just recording your purchases, then Fortune City may be able to help. Perhaps you do not feel comfortable linking your money management apps to your financial institutions, or you make a lot of purchases in cash. While many of these apps link to your financial accounts to automatically track credit card and debit card spending, that option will not work for everyone. 2: Fortune Cityĭifferent budgeters need different budgeting tools, and the best app for one person might not be the right choice for someone else. Money Lover also supports all currencies around the world, so if you are someone who tends to travel internationally, that could be a huge benefit. It’s free to start using, but if you want to add additional wallets, budget categories, and export through Excel, you will need to pay some money. You can link Money Lover to your bank accounts and sync it across multiple devices. Once you know where you can and need to cut, you can use Money Lover to set savings goals and watch your financial situation improve as you cut down on overspending. Enter your monthly incoming cash flow and Money Lover will generate charts to show where your money is going so you can properly make a budget. Money Lover allows you to track spending in real time, either through taking pictures of receipts or manual input. If you can’t afford an army of personal financial advisers, these may be some of the best budgeting apps you can find as an alternative. Through the magic of technology, you can use your smartphone or other device to manage your spending habits and live your best financial life. Unfortunately, creating a budget won’t be enough to accomplish your financial goals. Building a budget is one of the most important steps toward improving your personal finance status.
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