6 Budget Apps For People Who Hate Budgeting

Don’t let boredom discourage you from budgeting: There are so many programs out there that can make this process simple, organized, and even fun! Gone are the days when you have to keep a ledger book and messy piles of receipts in order to track your spending. There are many apps that will let you keep up to date with your bank account in real time while setting savings goals, tracking spending in specific areas, and even taking pictures of receipts! Here are six unique budgeting apps you can access from your phone or computer.

1. Mint (free, available on iOS and Android)

You can use Mint to plan and organize your whole financial life with one easy-to-use app. You can sync it with your bank account and see changes updated live in the app. Use it to make payments, plan your monthly budget, and even calculate tips. It also includes investment tracking, and in many cases, you can use Mint to pay your bills. Everything you need is packaged into one free, convenient app that will help you take control of your financial life.

2. PocketGuard (free, available on iOS and Android)

Don’t lose track of what’s in your wallet. PocketGuard can help you keep track of your spending and help you plan and stick to a budget. This app can help you get an idea of where your money is going and take a look at the big picture of your monthly spending and net worth. PocketGuard can even help you find savings on your monthly bills.

3. EveryDollar (free, available on iOS and Android)

Building and tracking your budget has never been easier when you use EveryDollar. Set goals and achieve them thanks to the simple spending tracking system that breaks down how much you’ve spent each month, and watch to see if you meet spending and saving goals. It takes as little as 10 minutes to build your first budget.

4. YNAB (free for 34 days, then $6.99 a month, available on iOS, Android, and Web browsers)

You heard it from this app first: “You need a budget”! YNAB can help you build a budget for success with comprehensive tools and even includes classes and workshops to help you learn more about managing your financials. The workshops available through YNAB are a valuable and a strong tool to help you create a budget you can stick to and meet your savings goals.

5. Wally (free, available on iOS and Android)

Wally is a popular app praised for its simplicity and versatility. It allows users to monitor income, track expenses, and keep track of where, what, and why you spent money. It will work for any currency in the world and will let you save pictures of your receipts. Wally uses the philosophy that by being mindful of money, you’ll have an easier time saving.

6. Dollarbird (free with basic package, available on iOS and Android)

Dollarbird will let you watch your budget balance out in real time as you track where your expenses are going, day to day, month to month, and year to year. You can add family members to your account so you can budget together. If you’re looking for simplicity in your budgeting app, do check out Dollarbird! You might find that it’s so easy that it’s fun.

– California Residents: As of January 1, 2020, TitleMax of California, Inc., d/b/a TitleMax, no longer originates new loans in California. TitleMax will continue to service existing loans originated before January 1, 2020. California Finance Lenders Law License No. 603K014. Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– Illinois Residents: As of March 23rd, 2021, TitleMax® of Illinois, Inc., d/b/a TitleMax, no longer originates new loans in Illinois.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

– TitleMax of Virginia, Inc. d/b/a TitleMax is licensed by the Virginia State Corporation Commission, license number VTL-11. As of January 1, 2021, TitleMax of Virginia, Inc., d/b/a TitleMax, no longer originates new loans in Virginia.

– TMX Finance of Virginia, Inc. d/b/a TitleMax Loans is licensed by the Virginia State Corporation Commission. As of January 1, 2021, TMX Finance of Virginia, Inc., d/b/a TitleMax Loans, no longer originates new loans in Virginia.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the Pledge max of $2,500 and Secured LOC max of $4,000. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires valid government-issued ID, a credit inquiry, and a motor vehicle appraisal. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit.

Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

Refinancing is not available in Mississippi or Tennessee.

2 In-Store Personal Unsecured Loans: Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, bring in proof of income (dated within the last 30 days), active bank account details (dated within 45 days), proof of residency, a void check, a valid government-issued ID, and in AZ, a valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Unsecured loan/LOC products not available in all stores or states. Minimum/maximum loan/LOC amounts vary by state; not all loan amounts available in all states. Max loan/LOC amount for first time borrowers is $1,000 ($500 in AZ). Returning customers with a good payment history may qualify for higher amounts, currently up to $2,500 in most states. Without SSN or ITIN: Max loan is $300. Certain other terms and conditions may apply.

3 Online Personal Unsecured Loans/LOCs: Must be at least 18 years of age. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, you must provide proof of steady income (within 30 days), valid and verifiable bank account (statement dated within 45 days), a voided check, valid and active email address and telephone number, valid SSN, valid government-issued ID, and you must reside in the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI) and provide proof of residency. In AZ, must present valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Minimum/maximum unsecured online loan amounts vary by state: SC min is $610. Maximum unsecured online loan/LOC amount for first time borrowers is $1,000. Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Certain other terms and conditions may apply. Unsecured online loan products and amounts not available in all states. TN customers: Only one LOC per customer, inclusive of other lenders.

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