Where Do I Start?

MARTIN PICTURE croppedLast week we talked about knowing your enemy and budgeting every bit of input and output in your life. Budgeting is the first step to eliminating debt and obesity. It’s almost impossible to keep an accurate budget in your head. You might need a little bit of help. In this two part blog, we are going to review several apps that can help you monitor your caloric and monetary practices.

We’ll start with the apps that will help you keep an eye on your spending. There are more out there than you can count on both hands but we are focusing on saving money. We won’t be reviewing any of the paid apps.

  1. Expense ManagerThis app doesn’t cloud up your interface with fancy gadgets. It allows you to quickly input expenses and tracks monthly expense on the apps homepage.  The app maintains a searchable history of your previous expenses.
  2. One Touch ExpenseThis free app comes with all the bells and whistles. You can organize your budget into categories so you know exactly where your money is going. Home page widgets let you quickly input expenses and reminds you when bills are due.
  3. Toshl FinanceIf you are looking for something with compatibility across all of your devices, this is the app for you. When you begin using this app, you must start a Toshl account that can access from your phone, tablet or computer.
  4. MoneyWiseFor visual graphics, this app goes above and beyond all others on this list. MoneyWise lets you manage multiple budgets and quickly analyze your spending with easy to read graphs and charts.
  5. Mint Personal FinanceMint not only keeps an eye on your personal budget, it seamlessly integrates your credit cards and bank accounts into one comprehensive look at your personal finances. This is a little too much if you are just looking for a little budget help but if you want a complete overview of your finances, Mint is the app for you.

There are hundreds of apps out there to help you get a budget started. The five above are just a few options that we have used and recommend. Check back in next week when we’ll review calorie counting apps.

Martin Sher is CEO of AmSher Collection Agency and a recent past president of ACA International, the Association of Credit and Collection Professionals.  Martin is the author of the 54 word Collector Pledge, committing credit and collection professionals around the world to the ethical and respectful treatment of all consumers.  Martin’s personal mission is to get 5 million people out of debt-for good, and for FREE.

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