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Tuesday, 11 June 2024 10:04

Putting your finances first with the help of 9 apps

By Honeygain
Putting your finances first with the help of 9 apps Photo by Sincerely Media on Unsplash

GUEST OPINION: Having your financial situation in check has never been as crucial as it is now. In 2024, when the cost of living is rising, it’s essential to know how much you’re spending and what you can do to make the numbers in your bank account grow.

Here are nine apps that will help you budget effectively, invest wisely, and maximize your income—all in a safe and secure way.

Budgeting

YNAB

If you’re concerned about your spending habits and want to start controlling them, YNAB will be the perfect zero-budgeting app. In contrast to other methods, this one will aid you in planning your budget ahead, not just tracking what you’ve already spent. So, whenever you receive your salary, you log it in and put a sum towards each category. Additionally, YNAB is completely secure for connecting your bank accounts – it uses technology like two-factor authentication and encryption.

Goodbudget

Similarly to YNAB, Goodbudget is responsible for your spending habits preemptively. After getting paid, you can plan your finances. Goodbudget uses the envelope-based approach, so you place the money in virtual envelopes dedicated to different spending categories. The app has quite a lot of other helpful content, like videos and articles. It’s also accessible through the web browser.

EveryDollar

Users who want more simplicity in their budgeting methods can try EveryDollar, which is a great counterpart to YNAB. While it’s plain and clear to use with the zero-based approach, it also allows you to set reminders for bill payments. All you do to control your finances is enter what you receive and what you spend. In the premium version, you can link your bank account to the app.

Investing

Webull

Webull lets its users invest through the app without opening a new account, additional fees, or a set balance. At the same time, there are a ton of options on the platform, from stocks, ETFs, and fractional shares to cryptocurrency, features, and securities. With its robo-advisory and margin trading options, even newbies with a little extra money can invest wisely.

Firstrade

If you’re curious about mutual funds, Firstrade is your choice. There are more than 11,000 funds on the app, with other investment options ranging from stocks and bonds to ETFs and CDs. To prepare yourself for the addition to the portfolio, you can also explore content created by Morningstar, Zacks, and Benzinga specifically for Firstrade.

SoFi Invest

Despite being created to aid young people as they repay their student loans, SoFi is so much more now. In SoFi Invest, you can access assets like stocks, ETFs, mutual funds, options, and so much more. To protect its users from volatile investments, it doesn’t provide cryptocurrency options. Even if you’ve got just a few dollars in your bank account, you can still invest with SoFi – there’s no minimum sum.

Earning

Honeygain

Thanks to our lives becoming digitalized more and more each year, earning passive income has never been this easy. On Honeygain, you get money for close to effortless tasks or by simply sharing your internet bandwidth. If you want to start something similar to investing but still lack knowledge or are afraid to play with big sums, this is a good option to earn a few extra bucks to get you excited.

Survey Junkie

There are quite a few ways to earn some extra money, with quick options like completing surveys available to anyone with an internet connection. That’s exactly what Survey Junkie provides its users with. After taking a survey, you earn rewards. Then, you receive them either through gift cards or PayPal. So, you help companies better their services and earn money at the same time.

Rakuten Rewards

Looking for new cashback opportunities? Then, try shopping with Rakuten Rewards. There are more than 3,500 stores you can try, and they range from entertainment and pet supplies to subscription boxes and shoes. So, you basically buy what you already do and earn cash back for it. Then, you receive your rewards quarterly by check or a PayPal payment.

Fiverr

Freelance services are quite popular within the realms of extra earnings. You can also try it on Fiverr. Pick from various activities like translation, animation, tutoring, writing, programming, and others to get some bonus income – you’ll definitely find something for yourself. You receive 80% of the pay after fees.

Final Words

As you can see, there are many opportunities to prioritize your finances, from saving more and budgeting to investing and earning extra in your free time. Hopefully, you saw a few good apps that will enrich your financial management experience. Don’t be afraid of the everchanging economic situation – just try to elevate your knowledge and skills and employ apps for it.

ITWire editorial disclaimer: The information outlined in this article should not be interpreted in any way as financial advice or as a recommendation by iTWire's employees, partners or suppliers. This content is intended for informational purposes only. Before making any investment decision, iTWire recommends that you take independent financial advice from an accredited professional advisor.

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