Many people find it very difficult to organize with money, they get complicated when it comes to putting together a budget and planning future purchases or vacations.
If you are one of those who need a little help to accommodate your personal economy, there are different
applications
that are useful to order and have
control of your expenses
.
These apps were developed with the advancement of technology and allow you to monitor even the smallest payments and thus not have worries when enjoying a family dinner, a celebration or a trip.
Through
simple tools and graphics
, users will be able to be more aware when spending their money, categorize their income, fixed and eventual expenses, and will have the opportunity to
plan or save
something if possible.
These applications allow you to control every little expense and organize the economy.
Photo: File.
What are the applications that you can download on your cell phone to organize your expenses?
1.iCoach
It is a
free app
designed by an Argentine teacher and scientific researcher from Misiones.
The application acts as a "virtual finance coach" and helps organize personal finances, although it is also adaptable to companies.
It allows recording movements by type of income and type of expenses and the money available on a daily, monthly or annual basis through reports.
In addition, the application allows you to upload an economic goal, and by recording income and expenses plus the advice of the financial expert, it is possible to achieve it.
2.fintonic
This expense control app won the
Google Award for Mobile Innovation
.
Its main tool allows users to add their personal financial information to see the details of each movement: it allows linking credit or debit cards, bank accounts or insurance policies, as well as suggesting financial products such as insurance or loans.
With all the data that the person enters, the app does its job by itself.
In a nutshell, the platform provides
advice to users
to achieve their financial goals.
3.Monefy
It is one of the most popular apps.
Manage finances easily, intuitively and efficiently with
graphs and percentages of expenses
.
Allows you to manually load the amounts that enter and exit the user's pocket.
Every time you buy a coffee, pay a bill or make a daily purchase, you just have to enter it to keep track of expenses and money, as if it were a diary.
It is done with a single click, so you only have to load the amount.
In this way, it is possible to visualize, with date and description,
what is earned and spent
according to the different categories (food, health, etc.).
The information is presented in a list format and with a pie chart with different colors and percentages for each sector.
There are also applications that allow you to divide expenses among several users, on a trip for example.
Photo: Shutterstock.
4.Travel spend
It is the ideal application
for travelers
, since it does not need internet to work, it converts currencies and exports the information in Excel files.
One of the difficulties when traveling is keeping expenses within the budget.
This app allows you to keep track of each expense made on a trip, categorize it and compare it with the assigned budget.
It also
allows you to divide expenses
and converts the information that is loaded between currencies.
5. MoneyHero
The application is based on
saving as a challenge
.
It allows setting savings goals in such a way that the application itself will tell the user at all times how much money they can spend each day so as not to exceed the limit and thus be able to meet their goals.
The app also stands out for its simplicity, since it will suffice to indicate the monthly income, as well as the fixed expenses and the savings goal.
From this data, it will generate the expense variable that the user should not transfer.
6. Challenge 52 weeks
It is based on the
Japanese saving method, "Kakebo",
in which the user sets financial challenges for himself.
The idea is simple and ideal for those who do not know how or find it difficult to plan and save.
The challenge is to save a little money each week.
In the first, $100 in the second, $200, and so on.
At the end of the challenge, that is, at the end of the 52 weeks of the year, the user will have $137,800 for Christmas purchases, holidays, etc.
If you cannot save that amount, you can start with $10 and continue like this: at the end of the year you will get $13,780.
App features include:
Add a challenge
, with value and start date, leaving it up to the app to handle all dates and values from there.
Accompany the challenge
created throughout the weeks and have control of the deposits.
Weekly notifications
as a reminder for deposits.
52 weeks to save.
Some help save with different methods based on challenges.
Photo: Shutterstock.
7.Wallet
This app allows you to track expenses or the budget, in such a way that you can have continuous information on the financial situation to
plan
in the longer term.
It also allows automatic bank updates and sharing specific accounts with family members.
8. Spendee
Expenses segmented by categories
are entered
, the app adds them up and gives guidelines for how much money was spent and on what, with very easy
-to-understand
infographics .
The amounts can be loaded manually or the app can be linked to the account of some banks included in the list. It is also possible to customize, create alerts and view the records on a daily, monthly or annual basis.
The distinctive element of this application is the possibility of
incorporating savings goals
with a notification system that notifies the user how close or far they are from the goal.
In addition to analyzing expenses, budgets can be generated to
plan finances
.
9. My budget
With this application, the user can see income and expenses in order to
better manage their money
.
It is a kind of common account pad, very simple, in which simple and periodic notes can be made.
In addition, it can also be seen in a graphical summary to better plan important purchases throughout the months.
This system allows you to adjust objectives according to different criteria and periods.
For example, creating a monthly limit to load gasoline or a weekly limit for supermarket purchases, etc.
No internet connection is required and data can be protected by activating password protection.
What applications are there to share expenses?
There are different very efficient apps to organize expenses, whether as a couple or during a trip with friends.
Here are the most recommended:
Honeydue:
ideal for couples or members of families who live together, since it allows you to set monthly limits and has an option to establish a common balance even though each member spends individually.
SplitWise:
allows you to create infinite lists of payments and establish in a common fund how much each one must pay.
In addition, it automatically performs debt reduction if someone has overpaid.
It also sends reminders to those who have yet to pay off their debt.
Settle Up:
You can use PayPal and schedule transactions.
It covers many different cases (half payments, percentage payments, multi-person payments, income etc) and shows who should pay next to make it more equitable.
However, it is only available for Android.
Divvy:
The feature that sets it apart from the rest of the applications is that it is possible to scan a ticket and it automatically translates what the expenses were.
Therefore, it is ideal in case of sharing meals in a restaurant.
If there is an error in the machine translation, the user can correct it manually.
Tricount: It
is similar to Settle Up, but also works on iOS.
Organize the expenses of a group without the need to be connected to the internet.
Images can be added and it includes an "expense category" heading, which helps visualize how much is spent on certain items, such as food or entertainment.
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