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Make the Most of your Money App Review

John McKinney    |
John McKinney

Almost everybody wants to save and budget their cash to get the so-called financial freedom. Thanks to financial tools, the tech world has to offer. We've reviewed 3 of the best apps that help you make the most of your money.

We have so many choices, and we tend to sift through many budget apps and stick to useful ones. Whether you wish to subscribe to selected apps that provide you with budgeting method or one that merely allows you to grasp once your checking account is running low, the answer is on this list.


You Need a Budget. This app is serious when it claims to teach you how to manage your money. 

This app was made to help you make the most of your money by implementing these four rules. 

Give Every Dollar a Job. This helps every dollar in your budget allocated to a particular purpose.

Upon receiving your paycheck, you'll decide how to use it based on a rock-solid plan. This rule work in 3 steps, you get your paycheck, assign every dollar of it to your expenses, and stick to the plan.

Embrace Your True Expenses. This rule helps you allocate money each month to all your expenses, including less-frequent expenses. This way, you won't have to worry about missing out on expenses like insurance and birthday celebration. 

Take those large expenses and break them into manageable, monthly bills as you create a goal to fund it monthly.

Roll With The Punches. This rule makes you flexible and addresses overspending as it happens. When you overspend in a budget category, adjust. If you overspend in one category, move funds from another to cover it.

Age Your Money. This final rule will help you set a goal of spending money that is at least 30 days old. To do this, you will consistently spend less than you earn and prepare for the future. 

YNAB offers first 34 days free so that you can test it out; to continue, it charges $5 a month or $50 a year.

budget app


The most reliable budgeting tool known these days is Mint. It is very reliable as it creates a picture of spending in real-time and automatically updates and categorizes transactions. 

You can customize the use of this app by adding your preferred subcategories; it will then track bills, split transactions, and set budgets that alert them when they're exceeding their maximum spending threshold. For premium access to your credit scores and credit score monitoring, that is available for a small fee.

Download the app and add your bank accounts. It will synchronize your transactions and automatically separates them into predefined categories.

This user-friendly app also notifies you for late fees, over budget, bills reminder, rate charges, or large purchases, sign up for alerts to be sent via email, or directly to your smartphone.

If you plan to use a budgeting app for the first time, Mint is a free online personal finance application, and it offers easy-to-use financial planning and tracking tools. The app is available for iPad, iPhone, Android, and Windows mobile devices. 



The PocketGuard app was made to make it easier to stick to your budget, set goals, and track your spending.

It has a feature called "In My Pocket." When you pass by a shop, you see a bag you've wanted to buy is on sale. When you check on "in my pocket," it will tell you if you have money to buy the bag so you can say no to impulse spending. This app helps you decide to buy or to pass; now that's making a smart decision.

You link your accounts to the PocketGuard app, and then it will automatically pull your transactions and post them in the app.

Look at the features of the app and see if it will work for you.

Hashtags. Assign a hashtag to add a layer of an organization as you can apply them to transactions no matter what category they belong to and see the total spending for each tag.

Spending pie-chart. This is great for anyone who needs visuals. It will show your spending and puts it into an easy-to-read chart. 

Setting goals with PocketGuard. To prioritize saving or pay off your debt, this can help you. PocketGuard will make recommendations on the savings account that you need to open for each purpose. You will then set up your contributions.

Set spending limits. You can set your spending limits using this feature. It will make it easy to stay within your budget as it provides notification when you're close to reaching your limit.

If you like these features, you can get more on PocketGuard's paid membership called PocketGuard Plus.

Eeny, Meeny, Miny, Moe 

YNAB will make you stick to your budget as it's mission reflecting in the platform's user-friendliness and ease. 

Mint is also easy to use and visually appealing.

PocketGuard helps you see if you are spending money on extras.

These apps help you manage your paychecks, pay your debts or save, and make it easy to prepare for your future expenses. It would come down to your personal preference as to which one appeals more to you as a user. 

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