One simple way to save and manage your money is to download free or cheap money management apps. These apps are designed to work with your unique financial situation to help you create and maintain an effective financial budget for a long period of time. Not only can this save you money in the long run but practicing these skills with an app to guide you can help you fine-tune your financial skills. If you are not into apps, you can also try out different templates for Microsoft word and other programs. You can also talk with a Tennessee bankruptcy lawyer for guidance during financial struggles like bankruptcy.
TOP BUDGET APPS
Some of the most well-known and effective budgeting apps are Mint, You Need a Budget, Clarity Money, and Personal Capital. Choosing amongst these depends on your preferences and might be as simple as this one costs money and this one is free or this one has this feature and this one does not. When it comes down to it, using any of these apps can save you time and money.
Mint is a free budgeting app that lets you see how much money you have in your account at all times along with how much money you spend each month. This app calculates spending habits for you by breaking down your spending into categories. The You Need a Budget app offers a 34-day trial with the ability to create budgeting goals by assigning portions of your money to different categories.
Clarity Money is free to use and allows you to not only keep track of your spending but also lets you cancel unwanted spending. You would only pay a fee if you want the bill negotiation option available. Personal Capital is also only free if you use the budgeting tools but comes with fees for investment advice. This app gives you tools for finding hidden fees, planning retirement, tracking spending, and seeing what financial assets you have.
BUDGETING TEMPLATES
If you are not into budgeting apps or cannot find a budgeting app that meets your needs, you always have the option of using budgeting templates. These templates can be downloaded online for free. You have the option of choosing between Microsoft Office templates or Smartsheet templates for Excel. Vertex42 offers a variety of templates for Open Office, Google Docs, and Excel.
If you do not have any office programs, you can also find templates on Pinterest and SeedTime. Visit these websites to figure out which budgeting template works best for you. Using a template means you will have to manually input all the information, but your information will be better organized, which can save you time on planning a budget.
BANKRUPTCY LAWYERS IN CHATTANOOGA, TN
Creating a budget plan is tedious work, especially if you are in the middle of a financial crisis and have little time on your hands. Reach out to our legal team in Chattanooga, Tennessee and North Georgia if you are struggling financially or have questions about bankruptcy options.
Contact Tom Bible Law to talk to a Bankruptcy attorney in Tennessee at (423) 690-7712 for a free consultation today. Our bankruptcy attorneys are located in Chattanooga and Tullahoma.