2 Money Apps You Need to Use Today!

Best Money App

You know, it’s really hard to live within a budget when I have no idea how much money I have to spend! Well, checking my bank balance helps some but I don’t want to spend it all, even though I might be tempted when I see some amazing 3 inch heels on sale at Macy’s. So how do I keep track of my money on the go, with my busy life? With these 2 money apps.

Wondering how to start a budget? This tutorial with images will help you begin a budget with a simple app! www.MrsSavvySaver.com

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Let me tell you, these have changed my views on budgeting and net worth! They are amazing.

We all know how apps have simplified tasks and this is no exception. Being able to look at my app and see where I stand in every budget category while I’m out shopping makes decisions a simple yes or no. There is no guessing or guilt about my purchases any more.

So, how does it work? I’m glad you asked. I’m going to walk you through it all, with pictures too. I’m a visual person and learning something new is hard for me unless I see it demonstrated, so here we go.

Drum roll here for…

Money App #1 – YNAB

You Need A Budget is a website and an app. I recommend signing up on your computer though because connecting it is just easier than doing it on a smartphone, that is just my option but you can do it how ever you want. Once you have it finished, then download it and log in via your app.

You connect the account to your bank account and it brings in your income and expenses which you then slide into a specific category. As you spend money you just tell it what category that money is coming out of and it does the math for you. No calculator needed, no spreadsheets and best of all, no hassle! I love it!  It’s a money app that saves you time and money, win-win in my book!

Step 1. Sign up

Once you go to www.YouNeedABudget.com just click on a Try YNAB tab. The sight has alot of information on it so once you have finished reading and watching the how to videos you can get started.

It is free to try, which I recommend. It lets you get your account setup and begin using it for free and because it’s 34 days and not just a 30 day trial, you will see how it works with a whole month of expenses and income.

YNAB - Two money apps that help you save money. www.MrsSavvySaver.com A how to for starting a budget and saving money.

Step 2. The Dashboard

Once you have completed the sign up information you will come to the dashboard which looks like this. At the top you will see “Set a Goal” and the Blue tab. That area will help guide you through the process of setting up your information and get you started on everything.

Step 3. Connecting to Your Checking Account

Now to connect it you will just type in the name of your bank and click on it. Woohoo! we are almost done!

Once it connects you will see the dollar amount pop up in the big green tab on the top of the page. This is where the fun part begins. 🙂 It’s so cool to add money to the category’s. You’ll see soon enough!

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Step 4. Adding Categories

Now, they have set up the account with a set of regular expenses. But you may find you want to add some categories or your own. I recommend that you do that first. Just click on the + tab on any of the blue bars

Step 5. Deleting Categories

I didn’t think to do this when I was starting to set my budget up but I wished that I had deleted the ones I wouldn’t use. It would have just made my list easier to read. But, now that you know, you wont make my mistake, right?!

Simply click on the writing of the category and this box will open up. You can change the name of it right there or delete it all together. Simple as that.

Step 6 Enter Your Budget

Now that your categories are all listed, go through and put down how much should be in each one. As you do, it will begin subtracting it from your green tab at the top. Otherwise know as your income. Once it is down to $0 you have set up your whole budget for the month or 2 week period, how ever you get paid!

Sweet! You have done it! That was the hard part.

You have completely set up your budget. Now every transaction will be available for you when it hits your bank account. You can keep up with it on a daily basis which it critical for you if you are working to get out of debt or save.

Now, app #2. Personal Capital.

Net worth. For years I had heard this term but never thought it mattered because net worth always was used in context of millionaires! Forbes talks about it alot but I’m not a millionaire so why should I care right?

Well, I didn’t until I began using Personal Capital. 

Again, I recommend setting your account up on a desktop computer and then downloading the app. Once that is complete you will gain a clearer picture of just how much your debts are effecting you. For more on that be sure to read “The Worth of Net Worth”

So that you have it! 2 Money apps you need to have today.

For encouragement to become a more savvy saver be sure to join our tribe! So many ladies are learning to save money, budget and become knowledgeable decision makers! Don’t miss out!


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2 Budget Apps for every Busy Mom to help your personal finances be a breeze!

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10 Comments

  1. Ray June 20, 2017 at 11:35 am

    I love these tips and I just might one of the apps a try. I enjoyed reading this. Thanks for sharing.
    http://www.underaytedray.com

    1. mrssavvy June 20, 2017 at 12:18 pm

      Hi Ray, thank you for stopping by! I’m glad you enjoyed the post.

  2. Nadalie June 21, 2017 at 2:29 pm

    OH wow, so cool!
    This is way more techie than my envelope saving scheme. Can’t wait to check it out!
    Thanks for the encouragement to save,
    Nadalie, It’s All You Boo
    NEW POST: When You Just Don’t Feel Like It

    1. mrssavvy June 21, 2017 at 8:47 pm

      Thank you Nadalie,
      YES. I love it for that fact! It’s so, so easy to keep track of everything on the go!

  3. Meg Smidt June 28, 2017 at 10:22 pm

    This is awesome! Thanks for all of the wonderful tips to help save money!

    1. mrssavvy July 1, 2017 at 4:33 pm

      Hi Meg,

      You are more than welcome!

  4. Charlsye July 12, 2017 at 5:44 pm

    You share some great content! I’ve enjoyed looking over your blog and learning. Because of this, I’ve nominated you for the Blogger Recognition award! You will be featured on my blog post tomorrow. Go to www. realliferealmom.com and check it out!

    1. mrssavvy July 17, 2017 at 10:50 pm

      Thank you so much Charlsye!! I appreciate your kind words and the award is very kind.

  5. Nia Simone September 6, 2017 at 7:06 pm

    I love the first app; I think I’ll definitely look into that one and see how it can help me and my finances. Lord knows I need it LOL

    1. mrssavvy September 7, 2017 at 11:55 pm

      Nia, it is one of the best financial apps I’ve found. It does have a learning curve to join one of their free workshops and it will help you out so much! The workshops can be found next to your log out button, once you have an account with them.

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