When you're having trouble saving money and balancing your budget, a little support goes a long way to help build smarter money habits.
Here are some apps that may help:
If you need to save for a specific purpose, this could be the banking app for you. Qapital allows you to add "rules" to your spending habits, combining them to reach the goals you set for yourself. Take the Round Up Rule for example, which adds your spare change to your savings goal.
Connect your checking account to this app and it will calculate how much money you can afford to save each month depending on your income and typical spending habits. From there, it will automatically transfer that magic amount to your Digit account.
This mobile bank allows you to set up a Chime account and debit card, plus an automatic savings plan. The app will automatically set aside 10 percent of every paycheck you deposit into Chime, plus you can round up every purchase and transfer the difference into savings. Unlike other banks, there are no monthly, overdraft or foreign transaction fees.
This app appears to do it all: From categorizing transactions to developing a budget to providing credit scores, Mint helps you stay on top of bills and track your spending habits.
5. You Need a Budget (YNAB)
After some lengthy research and testing, WireCutter named YNAB the best of the budgeting apps out there. That's because it's easy to setup and coaches you through the process rather than doing everything for you, making it feel like even more of an independent achievement.
6. Tip Yourself
With this app, you literally tip yourself for a job well done. After setting up your Tip Jar, you can add money to it whenever you see fit. You might give yourself a few dollars when you resist ordering out and make food at home. Or you treat yourself to a handsome tip after earning that promotion at work.
Guilty of opening one too many credit cards? Walla.by can help. This app helps you stay on top of your accounts, including which credit cards are the best to open and how to use each one most effectively.
Another money-saving tip is to purchase a home repair plan. And being prepared before home repair issues arise is always a good strategy. Plans from HomeServe can help with the costs of covered repairs. See what plans are available in your area.