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As much fun as it is to enjoy the family, friends, food and gifts over the holidays, for most people, the hangover always comes in January when all those credit card bills start arriving.
Whether you stuck to a strict budget during the festive period or maybe went just a little overboard, we have a great solution that can help you get a handle on spending plus help you save more to meet your goals this New Year 2017.
The first question is, “Do you know how much money you are actually spending?”
Finding out the answer to that one simple question could save you thousands of dollars.
While you may have kept a spreadsheet of your finances in the past, that spreadsheet wouldn’t have actually lasted long for most people.
It’s a lot of effort to keep track of every purchase that you make. That’s why we’re bringing you this list of apps, downloads and cool sites that let you build a budget and stick to it every month.
The three that you’ll find on this list each provide different methods for tracking your finances, but all of them do one important thing: Let you visualize how much you’re spending and saving every month.
Mint.com Personal Finance App
This app is one of the most popular and well-known personal finance apps on the market. It syncs up with your bank accounts, tracks your purchases, and provides you with a comprehensive picture of your financial habits and financial standing. If you want to be able to plan a budget for yourself and always know where you stand when it comes to your investments, accounts, and debt, you’ll find this app to be invaluable. As of now, the Mint.com app works on personal computers, Android tablets and phones, iPhones, and iPads.
Pageonce
If you always forget to pay the electricity bill and your monthly insurance fees, you’ll love Pageonce. It’s an app for Android and Apple devices that nudges you when it’s time to pay a bill and even lets you use the app to instantly pay fees you owe. Pageonce, like the Mint.com app, also syncs up with your bank accounts to provide you with information about how much money you have and how much money you owe.
PriceGrabber
Tired of paying top dollar for the products you buy? Try out PriceGrabber on your Android or iOS device. This app allows you to find the least expensive products for sale online and compare prices among all the top online vendors. The makers of PriceGrabber also offer an app called DealGrabber, which lets you search for coupons and deals at brick-and-mortar stores in your area.
BudgetSimple
BudgetSimple does basically what the name suggests: Budget, simple. Its free offering is a little weaker than everything else you’ll see on this list. That’s mainly because it doesn’t automatically sync with your bank account unless you subscribe to the company for $5 monthly.
That’s not a hefty price to pay, though, and if you want a quick look into your finances then BudgetSimple might be a reasonable solution. The site also offers a mobile app to its paying users so you can verify that you’ve got the cash to pay for that big-ticket item that just went on sale.
One of the real features that we like about BudgetSimple is the design. All of these budgeting tools will help you build a budget, but the biggest difference between them is what they teach you about budgeting.
BudgetSimple seems to be built from the ground up to show you your budget and look nice doing it.
Grocery Gadget
If you find yourself overspending at the grocery store, Grocery Gadget is the solution. It lets you create electronic shopping lists on your phone or tablet and it helps you find coupons for the products you plan to buy. If you stick to only purchasing the items on the lists you create, you’ll avoid spending too much on non-essential items, and you’ll improve your financial situation in the process. Grocery Gadget works on almost all smartphones and tablets, including Blackberry, Windows, and Nokia phones. So, practically anyone can use this app to save on their groceries.
Doing everything you can to get your finances in order will give you the peace of mind you need in these difficult economic times. So, try out the apps above, and always know where you stand financially!