Table of contents:
It is probably the most difficult month of the year. And even though it's the first and we're still full of good resolutions for the next twelve months, the Christmas havoc has left the cards smoking. And now it's hard to reorganize , get the numbers to come out in black instead of red and recover normality in bank accounts.
But beware, although difficult, there is no impossible challengeNot if you set your mind to it and have the necessary tools to achieve it. Managing finances can be difficult if you live in a permanent chaotic state. To have he althy accounts, it is convenient to be very alert with expenses, try to save and avoid whims.
You have to become aware, but also let yourself be helped by everything that can help us to be more efficient and logical with our economy. What we propose today are the best finance apps to survive the January slope and the whole year.
Fintonic
Surely that sounds familiar to you, because the truth is that for a while Fintonic has been an application advertised on TV Let's start with the most interesting : the application is free, so you can organize and control your finances without having to spend a penny, which is always good.But, what is this application and how does it work?
The first thing you need to clean up your finances is to have clear accounts. Fintonic is a very useful app in this sense, because it offers users the possibility of writing down each and every one of the movements that occur in our bank accounts and cardsAt a single glance we will obtain a summary of the money we have and graphs will be generated automatically, with which we will be able to quickly know what we have spent the money on.
If you find it difficult to be logical and practical when it comes to finances, you can also have the help of a personal assistant This will help you will provide advice on how to manage money. The first thing you will have to do as soon as you install the application is to indicate the bank and the access codes to it.
You will also need to to enter your gender, date of birth, zip code, and your notifications.Because you will be able to receive alerts for everything you want/need: transfers, payroll income, bank commissions, various movements, etc.
The app is available for both iOS and Android.
https://youtu.be/jN1mQHryhl0
Spendee
Are you looking for an application that is a little simpler, but with which you can also control your personal expenses? Well, here we go, because we have Spendee. It is a very useful application to record all your expenses and income, also doing it in a very attractive way.
To use the application you will also need to connect your bank accounts – from one or more entities – so that the system can record all movements. It is the way that the application has to categorize your expenses,so that you can know at a glance how much money you spend on education, on insurance, on purchases at the supermarket , in restaurants or in transportation.
In addition, from the same tool you can configure budgets for each of the items. And in this way avoid exceeding each month. So, if you think you're spending too much on entertainment, you can set a budget and receive alerts so you don't waste it
You can also download Spendee for iOS and Android.
Toshl Finance
If you're looking for an application that will get you out of trouble in January – and incidentally help you control your spending throughout the year – We recommend installing Toshl Finance. It is a very attractive application, which more than meets the objectives that we set ourselves when it comes to controlling our finances from our mobile phones: that the tool be easy to use and that it is also safe.
To be able to use Toshl Finanzas you will have to register, of course But if you are worried about connecting your bank, we will tell you that with this tool you can add expenses and income yourself, manually. You will be able to classify each movement in a category, add labels and select payment methods, so that in this way the system can balance the money that comes in and the money that goes out.
In addition, you can access a graph section (for both income and expenses), create budgets for projects (the vacations, renewing your computer...), planning projects and, if you are interested, connecting the accounts you have open with banks. In this way it will be easier for you to obtain more reliable and realistic graphics.
Discard Toshl Finance for iOS and Android.
Control expenses
Let's now take a look at another application, probably simpler, with which you can manually control all your expenses. It is an ideal tool for people who do not have very advanced knowledge of economics and only want to keep track of the minimum.
The application is not too heavy and is very graphic, so far from being very heavy, it is quite agile. It will come in handy if you don't want to link your bank accounts to any app, but in return you should know that you will have to add all the amounts yourself.
You can download it for Android. It is not available for iOS, but you have another very similar one, which is iExpense.
52 Week Challenge
One of the best resolutions you can make to clean up your accounts is surely to create small savings projects. As? Well, very easy. Think for a moment how much money you need to get what you want: for example, a vacation, Christmas presents, your children's career.
From there, you must propose a savings plan. Have you heard of the 52-week Challenge? It consists of saving little by little, to end up getting nothing more and nothing less than 1,378 euros with hardly any effort. Do you have enough for a vacation? This application called Desafío 52 weeks will be great for you to keep good control of your savings deposits. You must combine it with a physical piggy bank or with a bank account to which you can make the corresponding deposits.
You can download Challenge 52 weeks on your Android.
