Do you find budgeting boring or rather, stinking? Do you feel inclined to sit down and crunch all the numbers simply because you have no other options? Perhaps you have always had a spendthrift attitude to life and were guided by the notion that there is money in your wallet only to live the present to the fullest, to have all the fun before you, or to buy all the stuffs that come on your way. But maybe you are thinking twice now before buying the latest Breitling model because the recent recession has snatched all the luxuries from you. Maybe now you are buried under huge debt burden and searching for all possible debt management options leaving behind all the lavish thoughts.
However, to help you with your budgeting journey, below is provided 7 exclusive iPhone apps, which are specifically built for budgeting and money management purposes.
Mint.com
Mint has always been a pioneer in personal finance management. It aptly does what it says: “Track, budget and manage your money on-the-go.” Mint.com’s iPhone app securely connects to your bank accounts in order to track and categorize expenses, and to optimize the budgeting program. This app simply puts all your accounts in one place and helps you plan your budget so that you can achieve your financial goals easily. However, there is one drawback of this app. You can easily get it from iTunes, but you have to create a membership account first on mint.com.
BillTracker
If you have BillTracker in your iPhone, you will never pay a bill late again. This handy app tracks due dates, amounts owed, and confirmation numbers for your payments. With this unique application, you can set up reminders so that your phone can remind you whenever a payment is due. It also lets you set up reminders for recurring bills and see full payment history to know when you sent a payment. You can make use of this app for all your monthly bills – water, electricity, cell-phone bills and insurance payments.
Ask Dave Ramsey
By installing this app into your iPhone, Dave Ramsey’s popular financial radio show enters directly into your pocket. Through this app, you can reach out to hundreds of popular phone calls made to the show with real-life money related questions and answers. Using this app, you can either read a summary of the case or listen to the actual and unabridged radio clipping. You can get this app absolutely free from iTunes.
Debt Minder
If you are struggling hard with your monthly credit card payments and student loans, Debt Minder can help you get back on your ‘debt free’ track. This innovative app tracks your debts for huge purchases like houses, cars, and student loans and moreover, observes how you pay them off. In order to help you pay off your debt burdens, this app prepares personalized debt repayment plan for you. With colorful graphics and charts, this app lets you see where your money is going each month and how you are managing your overall debt.
Gas Cubby
Gas Cubby is one of the best tools to track gas mileage and vehicle maintenance. Whether you are a hyper-user, or just need a timely reminder to change the oil, Gas Cubby will help you save money and get the maximum out of your vehicle. This app makes use of your phone’s GPS to show car mileage and what amount of gas the car is using. Besides, the app also tracks gas prices at different locations so that you can get the best possible deal. You can also use this app to get informed about when you need to change your car’s oil and do other regular maintenance.
BudgetBuster
BudgetBuster is such an app that helps you monitor your daily, weekly and monthly spending goals. Though you try hard to walk according a monthly household budget, often some small expenses like a cup of coffee, some books, an extra meal or some snacks may ruin your budget. But if you have BudgetBuster in your phone, it will help you stick to your goals. You just have to setup a daily, weekly, or a monthly budget and then start adding expenses. This app will let you know how much you have spend on what during this period and how much you have still left to spend.
Grocery IQ
Grocery IQ is a handy app where you will find all the features that you expect from a grocery app. It offers barcode scanning, list sharing and integrated coupons. If you use this app, you will be able to compare and find the cheapest rates in your local grocery stores and certainly save some in this process.
Author bio:
Pablo Gibson is an Associate Editor with Oak View Law Group. He has been writing on financial topics over the years with special focus on American and European economy. Pablo also takes interest in debt related issues and contributes articles on debt settlement letters to personal finance blogs.
