• Gold West Financial

Apply Know-How To Your Savings With A Budgeting App

Everyone knows the absolute best way to get rich has nothing to do with schemes or shrewd investments or dumb luck. Although all of those things can sometimes lead to wealth, the absolute guaranteed way is regular contributions into compound interest accounts. Over time the money builds on itself.

Gold West Financial

That’s all well and good if you have money to contribute to those accounts but what happens when you can’t manage to save your money? When there just never seems to be anything left at the end of the month to put away?


You know you make enough to have a little something extra at the end of every month, but somehow or other that extra money evaporates away into – who knows what!

Some people are organized and disciplined enough to create and stick to a budget using no more than a pen and paper or spread sheet on their computer. Others of us need a little more help. That’s where budgeting apps come in. We’ve sourced a few for you to check out:


Mint

Mint is the go-to app for anyone new to budgeting. The app brings all of a user’s bills and accounts together, including loans, credit accounts, bank accounts and creates budgets tailored to the user.


Mint features reminders for upcoming bills and warnings when funds are low. It also provides access to unlimited free credit scores – along with tips to improve it. By classifying the budget into categories like “Shopping” and “Entertainment” users can determine if it’s possible to save by cutting back in specific areas of their lives.


YNAP

According the website of YNAP or You Need a Budget, the app will help teach you how to manage your money and get ahead. Their motto is, “Give every dollar a job.” The app is all about prioritizing the allotment of funds, then creating a plan to meet those priorities and following the plan. It’s especially great for helping people reach specific financial goals.


PocketGuard

The idea behind PocketGuard is to help you track your spending by linking credit cards, bank accounts, investments and loans in one place to see the big picture. By updating and categorizing your transactions as they happen, the app enables you to understand where your money is going and discover opportunities to save. PocketGaurd helps you build a personalized budget based on your income, bills and goals.


Albert

Once you’ve connected all your financial accounts to the app, Albert builds a unique budget based on your income, spending habits and goals and automates your finances. It notifies you when you are overpaying and helps you cut costs.


Users can text The Albert Genius anytime (a team of human financial experts). The geniuses alert you to savings you’re missing, identify bills you’re overpaying, help you pay down debt faster and custom-tailor a financial plan for you. The app analyzes your income and spending every day and sets aside small amounts of money you can save safely.


Wally

Comparing income to expenses, Wally helps users understand where their money goes and set and achieve goals by keeping track of daily details. To do that, Wally gives users a 360º view of their money, what goes in, what goes out, and what has been saved. The app is free and available for both iPhone and android users.


Goodbudget

For people who want to try envelope budgeting without a paper envelope, Goodbudget is the answer. Each month users earmark their money for specific purposes and distribute it into virtual envelopes like groceries, accommodation, utilities etc. Throughout the month they transfer money from the envelope to its designated purpose. It helps the user see exactly where their money is going every month. The app can be shared with partners across different platforms so it’s great for couples who want to pool resources toward designated expenses.


Once you have your budget under control you have extra money at the end of every month, you can think about investing it.


For more helpful articles on saving and repairing credit, check out our other blogs. Gold West Financial is your source for debt resolution solutions -- bad credit OK. Ask us how we can help by giving us a call at (855) 200-0586 or apply online today!

ONLINE APPLICATION | CONTACT | PRIVACY POLICY

Tel: +1-855-200-0586 | Em: info@goldwestfinancial.com

© 2019 Gold West Financial LLC | All Rights Reserved.

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. We do not charge any fee or cost to submit a loan request. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender or lending partner, and to accept the loan agreement made directly between you and the lender or lending partner. The lenders and lending partners we work with may charge an origination fee for facilitating the loan to you.

We do not charge any fee or cost to submit a loan request on EvenFinancial.com. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender or lending partner, and to accept the loan agreement made directly between you and the lender or lending partner. The lenders and lending partners we work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan. Please note, our lenders' and lending partners' privacy policy and security practices may differ from Even Financial standards. Even Financial assumes no responsibility, nor does it control, endorse or guarantee any aspect of your use of the linked site.

Representative Example: If you borrow $5,000 on a 36-month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws that may limit the APR that the lender or lending partner can charge you. Rates will vary based on your creditworthiness, loan size among other variables with the lowest rates available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend you read the lender's and/or lending partner's personal terms and conditions in full before proceeding for a personal loan.

Even Financial, Inc. is the technology platform powering financial services online. Even's API enables its partners to connect their users with real-time decisions and personalized offers and rates from premium financial services providers. Even Financial offices are located at 43 W. 24th Street - 5th Floor, New York, NY 10010, Telephone number: (800) 614-7505. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws limiting the APR that the lender or lending partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lender or lending partner. We recommend you read the lender's and/or lending partner's personal terms and conditions in full before proceeding for a personal loan.