As the sole proprietor of a small business, one of the things I struggle most with is money management. It’s not that I’m bad with money; it’s that my income flow is erratic and hard to keep up with. I’ve tried using Mint, but I find that it spends too much time asking me to volunteer my banking information, and not enough time letting me live my life like I normally would. Its focus on budgets isn’t very manageable.
When I set out to try Dollarbird, it looked like it handled everything I needed for my basic needs. It makes me aware of how much I’m spending and allows me to monitor my cashflow, all without presuming it knows more than I do about my finances. Let’s take a deep dive into the app and see if it could work as well for you.
Do you ever have a moment in which you thought you really liked something, but then over time you started to feel the opposite? This sometimes happens to me with apps. I’ll write a raving review, and a few weeks later I’ll start to notice issues that didn’t make themselves known early on, or they were noticeable but weren’t annoying just yet. Luckily, I’m often given a chance to review apps a second time when they’ve received a major update, which provides me the opportunity to provide are more impactful analysis on whether the app is worth its weight in gold.
On this occasion, I’m taking a second look at noidentity’s Next, which enables you to track day-to-day expenses to get a big picture of your spending habits. In my initial review, I stated that Next was really fun to use, and that “between the design eye candy and extremely enjoyable sound effects, I actually look forward to entering an expense.” In September, version 2.0 of Next was released, giving me a chance to reassess what makes the app good and no so good. Read on to find out how my opinions have changed. (more…)
In this modern-day smartphone era, it’s become far easier to manage your finances. DailyCost is an app that instead of trying to help you organise your bills, expenses, mortgages and loans, focuses on helping you keep track of the expenses you rack up each and every day — the coffees, the nights out and so on. You do so by entering an entry in the app every time you spend, and in doing so can help you better understand how all those little things can add up. In turn, it can help you become smarter with your money.
Are you struggling to keep track of your spending? Perhaps you’re saving up for something special, or maybe you would just like to have a little extra cash left over at the end of each month? Well, iPhone.AppStorm can help.
We have compiled a list of 25 free or inexpensive apps that can help save you money in the long run. Hit the jump to discover which ones made the cut!
Finance is one area of my life where I always like to feel that I am in control and I know what is going on. When I was single it was easy to handle, but now with a wife, her small business and a son, the financial accounts have grown and become a little more complicated. I still want to stay on top of things and like to make sure that we are doing okay, but now I get a little help from an app called Personal Capital.
I have the bad habit of never keeping a very good record of our money, in that I don’t log somewhere every time we make a transaction. With debit cards and automatic withdrawals, it has made that process so much harder, in my opinion. What I would do is that I would just check my bank accounts every day to make sure that the transactions that took place the previous day, matched up with what I thought it should be. That can be a tedious process, and so I began searching for an app that could help me out, and that is where Personal Capital came into play for me. (more…)
People talk all the time about the release of a “low-end” iPhone. What denotes low-end? Sometimes it’s a lower amount of memory, other times it’s a non-Retina display. But whatever they say today, the concept is that Apple needs to release some kind of free iPhone at the same time that they release whatever the next model happens to be. So, in theory, there would be an iPhone 5S (or 6, or whatever), and this hypothetical low-end iPhone.
What do you think? Do you want a low-end iPhone or do you care? Let us know in the poll to the right!
There are multiple theories on how to best track spending. Many people employ budgeting, while others choose to use alternative methods such as the envelope system. Personally, I’ve always found it best to simply keep track of my spending by using a checkbook app (I’m currently using Moni). But the main problem with most of these methods, especially my preferred method, is that most people simply don’t know what they’re using their money to buy.
Sure, I know in the immediate present that I purchased a tank of gas for $45, but how much am I spending on gas a month? Every once in awhile, I’ll break down my spending habits to get a bigger picture, and I’m always amazed on where I can cut costs. The problem is, it’s an extremely tedious task that I wish were a lot more simple. Developers noidentity hope to make big picture expense tracking very simple with their new app, Next. (more…)
In my early days of freelancing, I ran a pretty simple operation. Most of my clients were friends and my expenses amounted to less than the standard deduction (in the USA at least). I used an Excel sheet for both my invoices and my expenses. Then things started to pick up a bit and I realized that I needed something a little more robust than a spreadsheet.
A friend of mine introduced me to FreshBooks and I never looked back. It’s great invoicing software that added expense tracking shortly after I joined, as well as a slew of other features. The only thing they were really missing was a good mobile app. Well recently, that changed, too, with FreshBooks Cloud Accounting. (more…)
LearnVest started out in 2010 with the mission of educating and empowering women to take control of their finances. With financial planning tools and online workshops, access to financial planning professionals (for a fee), and a free budgeting tool that rivals anything Mint.com or others have come up with, LearnVest has shown that it’s not playing around. What it’s lacked, though, is an app that puts the tools you find in your browser in your phone.
With a recent site refresh and SEC registration as a financial planner, LearnVest is adding more tools to the financial toolkit, including (finally), their own iOS app. While LearnVest still lets you know right on their mission page that their target demographic is women, everyone can use a little help, and their slick budgeting tool may be enough to make you make the switch. (more…)
Going on vacation is often an expensive event that includes costs from all areas. Add to that the confusion of an additional, perhaps unfamiliar currency and it might be easy for you not to take advantage of the best deal out there.
One place you can be subtly charged a quite significant fee is in currency exchange when buying from a commission-based bureau de change. Currency exchangers make a profit by adjusting exchange rates to guarantee a profit when a transaction takes place. Most of the time however, you won’t notice what is essentially their fee because it’s part of your overall exchange rate, which they take as commission. With each retailer offering a different rate, it can be difficult to deduce which one is offering the best deal with minimal commission.
Currency Exchange Fee Calculator is a very simple, straightforward app that will cross-reference a retailer’s offer with the going market rate to calculate the fee they’re adding on. Let’s find out more after the jump. (more…)