The 4 Best Budgeting Apps to Get Your Finances in Order

MakeUseOf | 3/21/2019 | Ben Stockton
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Let’s not sugarcoat it—it’s hard to keep track of your finances. With bills to deal with, debts to pay, and receipts to track, keeping your financial health in the best condition possible isn’t always the easiest task.

If you know the best budgeting tools to use, that task becomes much easier. You don’t have to be a math genius, you just need to find the best budget app for your finances. Here’s a short list to help you decide.

YNAB - Budget - Budget - App - Change

YNAB (You Need a Budget) isn’t just a budget app; it’s a change in mindset. The app has developed a strong following thanks to its innovative method to budgeting your finances. Really, it’s better described as a money management app, because YNAB makes you look at how you actually organize your money.

In the YNAB way, every dollar you spend has a purpose, and every dollar you earn gets allocated. Bills, trips out, the rainy day fund—they all get allocated to different “envelopes” which you draw money from for spending. Rather than living paycheck to paycheck, YNAB helps you build buffers so you’re less reliant on your payday, helping you steadily build your finances up instead.

Debts - YNAB - Debt - Repayments - Spending

If you’re looking to pay down your debts, YNAB helps you by tracking your debt repayments and helping you question your current spending. The app encourages you to only spend what you have. This should stop you from spending beyond your means and reduce the need for credit cards and loans.

YNAB has mobile apps, but it’s also got a modern web interface if you want to work out your finances on your PC. It syncs with your checking, saving, and credit accounts (if you’re based in the U.S. or Canada), so you don’t have to worry about tracking or adding your transactions manually. Thanks to the envelope method YNAB...
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