Originally posted on https://www.mypressplus.com/technology/5-free-apps-to-help-you-budget/

Saving is almost always hard, but the trick is the more money you have the easier it is to save. But no matter how much money you have or don’t have, everyone could use a little help budgeting more effectively. Luckily there are all kinds of free applications that can help you save, allocate funds, and even invest. You have plenty of options, but taking the extra time to find the budget app that works for you will make a big difference. You need to figure out what motivates you to save and utilize it through an app. Read below for some of your options.

Bean

Bean is available on Android and iOS and is completely free. Bean helps you get rid of subscriptions you don’t need and find ones that are a better deal. Connecting your bank and credit accounts, the dashboard will find recurring payments. You may find an old gym membership that you never use. You can sort cancellations and use the comparison service to switch to a cheaper gym. Bean will also notify you if your bills, renewal dates, or insurance contracts go up. Bean helps you make sure you’re not paying more than you need to.

Yolt

Another free app, Yolt is available on Android and iOS as well as on the Web. The service puts all of your bank accounts, credit cards, and investments in one place. Spending is split up into categories so you can see how much you’re spending on each particular thing. There are also three-month spending history charts. Upcoming debits will be highlighted so you can avoid surprises. Keep track of your spending limits for each category, monitor bills and renewal dates, and make payments with Yolt. The app supports more than 35 banks and financial institutions.

Money Dashboard

Money Dashboard is a free app that is a lot like Yolt, except it supports more than 70 UK banks. The dashboard allows you to see all of your accounts, including savings and credit. The experts at MoneyPug, which is used to find deals and pay day loans, your spending and income are automatically categorised on Money Dashboard, so it’s easy to see where your money is being spent. You can set targets for each category, which is particularly helpful when you need an incentive to save.

One of the best parts of money dashboard is that it can look into the future with predicted income, expenditures, and balances. If you are worried about a holiday, birthday, or Christmas, you can use Money Dashboard to see how your finances will be and what you need to do to save enough.

Emma

Emma is described by many as a financial advocate for your money. The service aims to help you avoid overdrafts, track debt, cancel needless subscriptions, and save. It gives you the option to track spending and set budgets. Plus you will be able to receive notifications that let you know when you’ve received a refund. When your direct debits are going to leave your account and when your salary has been paid. Emma also supports cryptocurrency investments. With the app you can track them over time. All of this converges to give you a full view of your finances, allowing you to better identify where you can save money.

Oval

Oval Money allows you to monitor your spending on iOS and Android. The free app also encourages you to set up steps, rules, and parameters for spending. These can be based on anything, including when you buy coffee or log onto Facebook. Choose when you transfer money into your savings accounts or simply set up a weekly deposit. Oval is currently working with 28 banks and credit cards, which you can sync to your account.

There are plenty of options when it comes to budgeting apps. Find the right one for you and you will likely see a big improvement in how you are spending money, saving, and budgeting for specific expenses. However much money you have, you could probably use a little help. Find the app that works best for you today and get saving towards a better future.