Best of: Personal Finance Apps

By Lauren Sharkey

Managing your finances is hard and time consuming.  It’s even more of a pain when you’re trying to balance homework, that paper you’ve been putting off, and getting to the next level in Candy Crush.  No matter what, it always seems like there aren’t enough hours in the day and the last thing you want to do when you get home is check your finances.  Thankfully, there are a bunch of nifty apps that can help you keep an eye on your finances so you can focus on other things.

Tracking Your Expenses

1.  Mint

Mint is both an app and an online service that allows you to keep track of all your accounts – savings, checking, credit, etc.  It can take some time to set up (depending on how many accounts you have), but once things get going, you will be able to gauge what money is coming in and, more importantly, where that money is going.  The good thing about Mint is that it gives you awesome visual reports of your spending habits, which makes seeing where you can cut some costs easier.

mint_app_retina1

Available for: iPhone, Android
Price:  FREE

2. Manilla 

Manilla is similar to Mint as far as organizing your accounts in one, secure location.  But the real benefit of using Manilla is that it automatically sets reminders to prevent you from missing payments.  Manilla is great for students on the go and can really help you avoid overdraft, returned payment, and late fees.

Manilla-App

Available for: iPhone, Android
Price: FREE

3. iWallet

iWallet is more of a budgeting tool than anything else.  iWallet allows you to keep track of your expenses and income, categorize your spending, and provides analytics on your spending over time.   In addition, if you set a budget, iWallet will alert you if you happen to go over.

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Available for: iPhone
Price: $2.99

4. LearnVest

LearnVest offers you more than just a way to keep track of your expenses – it also provides you with important information regarding the basics of personal finance.  LearnVest will allow you to get a handle on your finances, while guiding you on the path towards a more stable financial future.  It divides your purchases into different categories, allows you to connect bank accounts and credit cards, and give your tips on how to manage your money.  This app is great for those of us who hope to have strong financial futures!

LearnVest

Available for: iPhone and Android
Price:  FREE

For Keeping Track of Those Receipts!

I don’t know about you, but I can’t stand receipts…that is, until I need to return something.  Now, I’m not saying that if you take these apps to the store and show the cashier a screen shot that you’ll be able to get your money back, but these apps come in handy when you’re trying to remember where all your money’s gone when it comes time to make your monthly budget.

1.  Slice

As an avid Amazon.com shopper, I love Slice!  Once you link your e-mail to Slice, the app filters out your shopping information and in turn gives you real-time updates on what’s in your package, when it’s going to ship, and where it is.  You can also set it up so it will notify you on your package’s progress.  In addition, Slice provides nifty charts based on your spending habits.  So not only will you know where your money goes, but you’ll also be able to keep track of your purchases whether they’re on the road or in your room!

Slice.App

Available for: iPhone, Android
Price: FREE

2.  Expensify

Expensify allows you to scan your receipts, track your mileage, links your various cards, and generates expense reports so that you can not only keep track of your spending, but your time as well.  Expensify is great for those of us that travel a lot for work.  The great thing about Expensify is being able to track your mileage – you can see how much you spend on gas!

expensify-app

Available for:  iPhone, Android
Price: FREE

So You Don’t Have to Split Checks

One of my biggest pet peeves is when you go out to dinner with someone and that person asks for separate checks.  Like, dude, you can’t just toss me a $20 and we can call it even?

Usually, my friend says something like, “I only have my card” or “I don’t like to carry cash” which is perfectly understandable.  But as a food service veteran, it really bothers me when people split checks or ask for separate checks.  So, these next couple of apps will hopefully help you avoid that awkward situation 🙂

1.  PayPal

PayPal is probably one of the easiest way to give and receive money on the go.  You are able to link bank accounts and credit cards in order to make payments on purchases fast and securely.  In addition, PayPal is great for when you need to send money to a friend or family member (i.e. “Hey mom and dad, would you mind sending me a few bucks?”).  The only downside is that there are sometimes fees attached.  So, you might want to check those out before you tap.

paypal-app

Available for:  iPhone, Android
Price:  FREE

2.  Chase QuickPay

Chase QuickPay is easily the best way to send money to anyone, anywhere, any time.  As long as one of you has a Chase checking account, you can use this app to send money to pretty much anyone with an email address or phone number.  It also happens pretty much instantly which is pretty cool.

chase quickpay

Available for: iPhone, Android
Price: FREE

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