Let’s face it managing money isn’t always easy for everyone and for those still living in the stone age please lose the handwritten checkbook register. How can someone keep up with writing down every transaction nowadays. Pretty much everything we do now is electronic and takes debit or credit cards. Managing your finances on simple spreadsheet can get messy and confusing.
There are so many resources that can link to all your smart devices that will pretty much manage your money for you. You may be one of those people who constantly watch their every money move. Looking at the bank transactions on your phone then subtracting the money you can’t touch. Forget doing that math there are free, yes free personal finance tools that can do the calculations for you. Providing a clear picture of your finances, where your money is going, and where you want it to go.
You need you own personal accountant and these tools give you that in the palm of your hand. Technology is moving fast and there are so many resources out there like online budget planning, why say no? Getting your personal finances in order will help destress your life and let you enjoy the little things. It is so much easier to keep track of everything in one spot when it comes to your finances.
These tools can help you manage your money simply by clicking buttons. We are an ever evolving modern society why not take our budgeting strategies to the same level. These applications are all free. There is no excuse not to try to end your debt and manage your finances in an organized manner. Here are five of the best online tools for managing personal finances.
Mint
No we are not talking about breath saving candies. We are talking about a free, downloadable application. This four and a half star rated and highly recommended app. is brought to you by the makers of the famous TurboTax, QuickBooks, Mint Bills, and Quicken. You can easily and conveniently pull all of your accounts, credit cards, debit cards, and investments on to this one app. 
Mint will help you set up a budget and organize your finances. Bill reminders can be set up so you never miss a payment. Mint provides you with customizing tips for your personal finances. It will show you how to reduce fees and other money saving opportunities. This app can keep track of your day-to-day spending and create money saving suggestions for your personal budget even your retirement and 401k. It allows you to make goals for yourself and can adjust according to your life.
It allows you to manage your money from anywhere in the U.S. and Canada. Mint cannot access your money but simply watches it and makes suggestions and organizes it in a way you can clearly see how to improve your monetary status. Mint is available for the majority of your smart devices and newly including the Apple watch. Syncs with mint.com means that your information is readily available to you on any of your devices. This app is safeguarded and only you will know the four digit PIN to view your account. Uses the same encryption technology as many banks.
Wally
This app allows you to take control of your money. Balance expenses and income in one spot. Setting financial goals and helps you to actually achieve them with simple solutions and suggestions. It has been voted the number one finance app in twenty-two different countries, so it is great for those who travel internationally.
It is a completely free app that provides you with safe and secure way to manage your finances and create a budget with ease. Focus on where your money goes and understand your spending habits. Wally enables people to create a budgeting plan that allows for long-term savings. This app is only compatible with iOS 6.0 or later and iPhone, iPad, and iPod Touch. It has also been in the top ten of finance apps in fifty-two countries.
Wow!. You can save all your receipts with every transaction and download the data to Excel and then back up the information to with iCloud. This app works by location based speed and with automatically categorize your location and all you have to do is enter the amount that was spent. It can notify you when there are upcoming payments with smart notifications. Never miss anything with Wally. Take the stress of financing away with this app.
Ready For Zero
This also free and award-winning personal finance app helps tackle debt and keep track of your credit. Those of you who have had credit card issues, medical expenses, or that you just want to improve or maintain your credit can you this app. Did school loans crush your credit get back on track with this easy and confidential app. Ready For Zero can manage your debt and get your credit back on the right track. It seems like credit controls everything nowadays. Let yourself have the knowledge we can give you with this simple app to combat your financial struggles. Whatever it may be why not make solutions for your finances and keep it simple and readily available. Financial failure will not be an option when it comes to this app. 
This app allows you to customize a personal pay down plan. You can get personalized alerts and recommendations. Know that your data is safe and kept private with the bank-level encryption technology. Tackle your debt and set a budget to improve your finances. Ready For Zero has accounts with all major banks and other financial institutions so all your accounts can link in. This app has been recognized by CNNMoney, Forbes, and MSN Money. This app will even find you special offers and savings just for your specific financial situation. It is easy to get in debt but getting out of it is hard and time-consuming.
This simple app works in four easy steps:
1.Download the ReadyForZero app.
2.Link all your accounts you want to keep track of with this app.
3.Then you will get your free credit score.
4.Stick to the plan, stay on track, and soon you can start making money and building up wealth.
Set yourself up for financial freedom from debt with this app easy to follow recommendations and money saving tips.
Goodbudget Budget Planner
This personal finance app at one time known as the Easy Envelope Budget Aid or EEBA is to get a budget plan set up specifically for you and your personal financial needs. This app allows you to share your budget with your spouse, friend, or family member. Syncing is available on multiple devices. Budget planning can be difficult with two people. You will learn how to modify your budget plan after reviewing the budget reports that are made based off your personal finances.
Taking into account both expenses and income, retirements, and more. Goodbudget will make it easy for your and your family to become financially sound. This app has been downloaded over one million times and suggested by The New York Times, Lifehacker, and featured in Apple. You do not have to worry about having to personally sync your data the Goodbudget’s website automatically does that for you.
The app provides you with personalized spending and budgeting reports so you can see your spending and saving habits clearly. Goodbudget is based on a proven system that has clearly worked for many. This system is the well-known envelope budgeting method. For those who do not know that simply means after bills how much money is left and how do you budget and how to spend it. Everyone wants to enjoy life without the financial stressors this app will help you live within your means.
Fudget
Fudget is one of the most simple budgeting apps. Without going into great depths of credit and other financial stuff not needed for everyday living. This app creates and easy way for people to get ahead in life. You simply add your income and expenses into the app and it will calculate everything for you. It is a universal app with touch ID security. There are no time constraints with this app.
It can be used as often or as little as you need. It declutters what other budgeting apps have. For those who don’t need all the extras just an efficient, easy, and concise way to keep track of your spending. This app is a great tool for those who are just starting out and are new to paying bills and having to save money for the first time.
If this type of app was available years ago lots of people could have avoided the financial trouble they found themselves in by not having an easy way to keep track of their finances. Those are people who need apps like Ready For Zero because they didn’t use this app. This app has been rated over four stars by users. Don’t start off on the wrong track. Be smart and use your resources. Fudget can point you in the right direction and give you the tools to succeed.
These Tools are Worth the Try
With all of these tools available, don’t let debt be an issue. If you are just starting out in life use Fudget. It will provide you with the financial readiness and information needed to make smart budgeting and spending decisions. Today everything is based on credit. You can’t just buy things without having your credit checked first it seems. From buying a car, boat, house, or even renting a house credit is checked everywhere and can affect one’s life forever.
Don’t let poor personal finance be the source of you losing sight of the things you want out of life. Do you like to shop? Store credit cards give you great deals and can be a good way to even
build your credit up. Don’t you hate when your favorite store sales clerk says to you “ would you like to open an account with us.” and you already know that it’s not in the cards for you or you say yes just to be shut down with a sorry we can’t allow you to open an account with us. That’s embarrassing.
Do the right thing. These applications are free and readily available just about anywhere you have internet access which nowadays is pretty much everywhere. They are easy to use and do not take time, but just a few short minutes to set up. It is so sad to see how so many people are in financial crisis and that do not know the way out. Not everyone especially needing a personal budget planner even knows about the free applications out there. Letting people know they do not have to spend money on a financial planner or a personal accountant is key. Some of these apps make is so easy and give you the confidence to set financial goals that are really not hard to reach when it is all laid out there for you.
Don’t let yourself get down by bad credit, these tools will provide you with the guidance to get you out of that dark hole. Who doesn’t want to hear “Yes we can approve you for the loan.” Get that dream house you have always been waiting for. Buy that new car you need. Even if you just want to stay ahead in life and have been on the right financial track let these tools be an option to keep everything together in one place. Give yourself the opportunity to use online tools for financial success. You have nothing to lose by using these tools they are worth a try. There are some other online resources available however these applications have been ranked the best by consumers. Grant yourself the power to be financially independent.
