Budgeting has come a long way since the days of sitting down at the kitchen table and jotting everything down with pen and paper. With the advent of smartphone apps, budgeting is a whole new ballgame: holistic, simple, and intuitive.
No, this isn’t your parents’ budgeting process anymore.
To help make managing your money even easier, we scoured the market to find the best apps for our customers to rock their budgets. We narrowed it down to two apps — one free and one that requires a paid subscription — that take the guesswork out of the entire process and stand out above all the rest. Even better, these two apps connect with your UBTgo account, pull in all your expenditures, and give you a roadmap that leads to a better financial situation today, tomorrow, and well into the future. Read on to learn about our top two recommendations.
Mint’s proprietary programs Mintsights™ and Bill Negotiator will help find savings to give you even more money to put into your budget after you connect your UBTgo accounts. Bill Negotiator will allow you to negotiate savings on things like internet and cable services through the app.
Their budget planner lets you add and update your categories as well as track your spending in real time. Credit monitoring is a big feature of Mint, as well, updating you on your score and any changes that happen.
Setting up your budget is a breeze, too. Connect all your accounts, track your cash flow, and the app categorizes all of your expenditures, so you don’t have to.
34-day free trial, then two payment options — $14.99/month or $98.99/year
YNAB helps you set up a budget using a four-rule method to help you organize your finances: 1. Give Every Dollar A Job™; 2. Embrace Your True Expenses; 3. Roll With The Punches; and 4. Age Your Money. The YNAB app’s system teaches you to prioritize dollars, pre-fund large infrequent expenses, and be purposeful with your spending.
The app also helps with goal setting and achieving, spending and net worth reports, and a loan calculator to help you save money by calculating interest and time for every dollar you pay extra on your loans.
These are just our two favorite apps for budgeting, but there are many more options available in your device’s app store, so have fun playing around until you find the right fit for you! And if you ever have any questions or need help with budgeting, we’re here to help.
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