We live in a world of consumerism. We buy what we need and what we don’t need on a regular basis, to the point we are all ‘first world poor’. In the first world, we are skint – because we have $800 smartphones and $1500 laptops, so we can log into our online banking and see how much money we don’t have for our groceries. We struggle to make ends meet while enjoying the most upgraded technology, and yet we can use the upgraded tech on the market to help us to budget better.

Prices are rising, and salaries are being frozen in time, and because of this, we are finding it harder to keep ourselves above water and in the black with our bills. We try to keep our financial situation as secure as possible by applying for fair credit cards and other finance options, but when it comes to financial security, we are barely getting by. Even the savviest of saver needs a little help sometimes, and that’s why these tech apps below are going to be your saving grace to help you track your spending and learn where you can curb it. Some do cost a little cash, but make sure you include it in your budget!

YNAB (You Need A Budget) If you are looking for a budget app that will stand out, YNAB is the one for you. There’s some bold claims floating about that you could have just over $3000 saved within a year, which is going to light up the life of anyone desperate to make a dent in their savings. It’s not a free app, carrying a subscription fee with it, but it’s one that is worth it. The concept here is that you have different pots for different bills to pay, and if you overspend in one area you can move money over to the next pot. It’s clever, it’s quick and it works.

Goodbudget

Based on the ‘envelope budget’ method, Goodbudget allows you to track what you put into each envelope of money as well as your bank account budget. You can sync your balances on more than one device, and you can choose to use the free version or the paid version with more features. Read about it here and see whether it’s the right one for you.

Money Dashboard

You link all your bank accounts to Money Dashboard, and you can see all your balances in one go. The app groups all your spending into different groups and you can live track how much you spend and in which areas you are overspending. It can give you a real sense of where you are wasting money and how much you are overspending by.

There are so many apps out there to help you earn money from receipts, cashback in supermarkets and even grocery comparison to help you make the best decisions for your wallet. Getting a hold of your finances doesn’t have to be hard as long as you are mindful.

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Walter Guevara

Walter G. is a software engineer with over 10 years of professional experience. When he isn't blogging or being a CTO he enjoys coding randomly complex things that he hopes many people will get a chance to use one day.

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