Girls just wanna have funds, right? It's never a bad time to get your money right, and the first step is getting our budget under control.
Whether you're in a place where you want to switch up how you handle your coins or you have never really thought about money at all, a budgeting app is definitely a must for your phone's home screen. And the best part is, each of these apps offers a free version. These apps have a unique way of showing you how to track expenses, look at your spending habits, and let you know how much you can afford to save.
Get ready to live your best life while keeping your money in check.
11 Best Budgeting Apps For Saving
1.Mint
Mint
Mint has been running the budgeting game for years now. It has already served as the go-to for many of us who know we want to get our money right but aren't quite sure how to start. It lets you sync your bank accounts (which is perfectly safe on this app, of course) and your bills to not only remind you when they're due but also help you develop a system that will make budgeting a breeze. And the clean interface makes it really user-friendly.
2.You Need A Budget (YNAB)
The name really says it all. We all need a budget, but this app does even more than helping you set limits and boundaries for your coins. From letting you know every dollar needs a job, to urging its users to "embrace" their "expenses" and even "roll with the punches" when the unexpected happens, YNAB is an app that understands the realities of saving, spending, and all things budgeting. A bonus is that the app can sync with your computer and phone, so you can have access to it at all times.
3.Albert
iTunes
Albert was one of the first to take budgeting apps to a new level. It goes beyond the traditional way budgeting has been done in the past as it features a Siri-like budgeting friend, named Albert, who can chat with you. He'll tell you how you're doing with your saving goals, let you know if you can afford to eat out for the week, and even give you a friendly side-eye if you start spending more than normal. It's seriously the budgeting friend we could all use.
4.Every Dollar
iTunes
Every Dollar is another budgeting app that has been making major moves in the money industry. This one is a win for those who not only want to budget but also want to develop a plan to get out of debt sooner rather than later. It encourages users to develop a monthly budget, evaluate their spending (and literally track every dollar) while giving them tips on how they can start reducing their debt one dollar at a time.
5.Digit
This is one of the best ways to save money without even missing it. The app, which gives you $5 for each friend you refer, will automatically transfer amounts of money that you don't need into a savings account. This amount is typically between $2 and $17. But no need to freak out because it certainly won't ever transfer more than you can afford. It spends way too much time evaluating your income, bills, and spending habits to make you over-save. The key is that you really won't realize it's gone until you look in the Digit app to see how much you've saved. And you can always request it to be transferred back if you need it.
6.Pocket Guard
iTunes
This just sounds like it has your pockets' best interest at heart. Like many other budgeting apps, it first instructs you to link your credit cards and bank accounts so you can have an overview of your financial structure. It then categorizes your bills and expenses for you so you can see a comparison of your income and your expenses. With the money left over, or as Pocket Guard calls it, "in my pocket," you can spend or save depending on your goals.
7.Goodbudget
iTunes
Goodbudget is a great app for couples and families who want to start budgeting and saving together. While it does offer solo budgeting options, one of its main features is providing budgets for entire households. And for those who want to go back to the traditional envelope system, this app will definitely help you go in that direction, so you're never surprised by a checking account deduction you either forgot about or didn't see coming at all. It also helps couples and families develop a budget so they can spend their dollars on what truly matters to them.
8.Prism
iTunes
Known as "magic for your bills," Prism will have you feeling yourself when it comes to taking care of your expenses. The app gives you a major bird's eye view of your bills to help you stay ahead of them. After all, a key to budgeting is calculating and figuring out bills and what we have to pay each month. So apps like Prism and others on this list ease users' minds by letting them know they don't have to figure it all out on their own.
9.Wally
iTunes
This is an amazing app if you want to track your expenses and update your budget on a daily. While that might be too much for some to handle, for others it's a must, and that's where Wally comes in. From putting your regular bills into categories like home, transportation, entertainment, and clothes, to allowing you to scan receipts so it can update your budget ASAP, Wally is one of the most efficient ways to stay on track with what's really going on with your moola.
10. Personal Capital
iTunes
If you already have your budget intact and want to start investing, Personal Capital is an efficient start. While there's a paid version, the free version has its perks too. You can take advantage of a Net Worth calculator and a Cash Flow reviewer and even track your portfolio, key holdings, and all of the ups and downs that come with investing no matter how long you've been in the game. If you splurge for the paid version, you can get a professional investment management feature and have a portfolio created just for you.
11. BONUS: Acorns
Acorns is another investing app that automatically saves your spare change from purchases you make with a linked credit or debit card using a system called "round-ups". So, if you get your Starbucks fix for $2.75, Acorns will round up to $3.00 and automatically invest the $.25. There's also the option to turn off auto transfers if you ever have times when you need all your coins.
What are some apps you use to save? Let us know!
Related Articles:
The Best Articles On Money For People In Their Twenties – Read More
The 5 Money Myths That Are Keeping You Broke, Sis – Read More
How Disagreements About Money Can Ruin Relationships – Read More
What Your Zodiac Sign Says About Your Money – Read More
- 4 Ways I’ll Continue To Save Money Post-Quarantine - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- How To Start A Budget - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- 8 Things You're Definitely Spending WAY Too Money On Every Month - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- How to Fix Your Credit - xoNecole: Women's Interest, Love, Wellness, Beauty ›
- 2018 Budgeting & Savings Apps Worth Checking Out | Canstar ›
- Mint:Personal Finance & Money on the App Store ›
- Review: The best budgeting apps and services in 2019 | Haven Life ›
- Best Budget Apps | Saving and Budgeting | US News ›
- Budgeting Apps: 10 Best Ways to Automate Your Savings | Best Life ›
- 16 Best Budget Apps for 2019 ›
- The Best Budgeting Apps for Android and iOS | Digital Trends ›
- 8 Best Personal Finance Apps of 2018 ›
- The 8 Best Budgeting Apps to Download in 2019 ›
- Best Budget Apps and Personal Finance Tools for 2019 - NerdWallet ›
RELATED
Now, with more than 20 years of experience in professional aviation, starting with American Eagle Airlines and then on to becoming a captain at American Airlines, she has continued to pay it forward. In 2022, she made history as the first commercial airline captain to lead an all-Black, women-led flight crew. She has also written a biography on Bessie Coleman, the first African-American and Native-American woman to earn a pilot’s license, and produced and directed, Discovering Bessie Coleman, working alongside the family to get the project completed. Add to that her role as a founder of consulting firm LadyAv8rBeth, which offers a guide of pathways into aviation, and as a podcast host covering all things aviation.
For Women’s History Month, xoNecole caught up with the busy pilot, in between flights, to talk about her career journey, her role in a Bessie Coleman documentary and book, how she balances self-care and safety, and how other Black women can add to the aviation legacy:
xoNecole: You’ve built an successful career in aviation. And you were only 15 and already had your first flight. Were you afraid at all, or did it feel like second nature to you?
Beth Powell: It felt completely natural. There was no fear, just excitement and curiosity.
Now, it’s what they call STEM, and my teacher at the time thought that I was really good at numbers. He recommended three career paths, and I tried the first one.
I didn't understand why it made sense back then at 15, but as I grew up and met other pilots, I recognized that the reason I liked math and physics was that we were technical learners. So we like to break things apart and put them back together. We like to check procedures. We like to write manuals. We were technical artists.
xoN: That’s such an important message. Many young women and girls are often discouraged from pursuing careers in STEM or aviation, so it’s incredible to hear your story. Now, fast forward a bit—how did you transition into your corporate career with larger airlines?
Courtesy
BP: After that first discovery flight, I quickly finished my high school classes and graduated at 16. By 17, I had earned my private pilot’s license, and by 18, my commercial license. Then, I moved to the U.S. to attend flight school in Florida. While working on my degree in professional aeronautics, I began working for American Eagle Airlines at just 21. Over the years, I’ve built my career and have now spent 25 years in the airline industry, including 14 years at American Eagle and 11 years at American Airlines. In terms of leadership, being a captain is key.
As a captain, I’m responsible for the aircraft, the crew, and the passengers. It’s a huge responsibility, and you learn a lot about leadership when you’re in charge of so much.
Being a captain definitely teaches you leadership. You’re in charge of every aspect of the flight from the moment you sign in to the moment you sign out. From overseeing the crew to managing the safety and well-being of passengers, you have to make quick decisions and take responsibility. Even when you’re starting out as a first officer, you’re learning vital leadership skills that prepare you for the captain role.
xoN: There's a lot going on with airlines right now that might make someone feel afraid in terms of some of the tragedies that have recently happened. How do you sustain your self-care balance and your resilience in the aviation industry when those sorts of things happen?
BP: I truly believe that aviation is still the safest and the No. 1 safest means of transportation. I say that proudly. For any airline, any pilot, any air traffic controller—anyone who works in the industry—safety is our number one priority. However, of course, we see things happening in the news, and it is concerning to passengers.
What I'm telling everybody to do right now, including myself, is that it's very important to have your source of strength. I'm a Christian, and one of my sources of strength is prayers. I go deep within my prayers every morning, and I pray to God, giving things that I can't control to him, and the rest— I can do my best to deal with.
No. 2 is meditation on the Deepak Chopra app. Ever since COVID happened, that was the first time I thought that I needed something more than just my prayers to help me go through to calm down the noise around me.
And last but not least, I'm really big on self-development. I read, I read, and I read. If your foundation is strong, you have something to build from. And so, when I read, I learn a lot about myself. I learn about what triggers me and when something triggers me. I literally hear the Kendrick Lamar song, "TV Off" in my head, because sometimes you need to shut the noise off.
xoN: That's amazing—the combination of faith and just being excellent at what you do. Now, how did you get involved with the Bessie Coleman project?
Courtesy
BP: I sit on the board of advisers for an organization called Sisters of the Skies, and was at a gala celebrating with all our Black women of our achievements. At the end of the night, Dr. Sheila Chamberlain walked up to me. She was the first Black woman U.S. combat intelligence aviator in the Army. So, if she's walking up to me, it's very serious. She said, ‘I have a favor to ask.’ I said, ‘Yes.’ I did not hear what the favor was. I didn't know what she was going to ask me, but somebody like that walking up to you saying, ‘a favor’? The answer is yes.
She told me [the project involved] helping the Bessie Coleman family elevate the story. ‘I'd like you to ask your company if they will do a flight in honor of Bessie Coleman.’ I went to the different departments at American Airlines, and the rest was literally history. We did that flight on August 8, 2022, and it became a historical flight because everyone on that flight, from the ground up, was a Black woman.
Gigi Coleman, Bessie’s grand-niece, was also on that flight. We started chatting at the end of the flight. Another night, we were hanging out—Sheila, Gigi, and I—and she kept telling me she wanted to write a book, that she wished there was a movie, and that people approached her about it. Nothing had been done as yet. And I thought, sounds like another mission.
I literally took it on. We do have a documentary with the family sharing their perspective of who Bessie Coleman is. And we do have a book called Queen of the Skies.
xoN: For the young women who are looking for career paths in aviation, what are some skills they need to thrive?
BP: While you don't necessarily have to love math to be a pilot, technical knowledge is important. You’ll need to understand aircraft systems and aerodynamics. This includes weather patterns and instrument training. It might seem daunting at first, but the great thing about flight training is that it builds on itself. The more you learn, the more it all clicks. Also, aviation is constantly changing, and you need to be adaptable.
It’s a field where you need to be ready for anything, from unexpected weather to technical issues. Being open to learning new things and adjusting to change is crucial.
My daughter, who has her private pilot’s license, once said, “This journey is both challenging and rewarding. I feel like I’ve grown so much since starting.” It’s important to keep going, even when it gets tough.
To help others, I’m outlining how they can go from “zero to hero” as a pilot. I offer this information freely on my Instagram account, and it’s something I’m passionate about sharing. I want everyone to have access to the resources they need to follow their dreams.
For more information on Beth Powell, the Bessie Coleman documentary, and aviation career resources, visit LadyAv8rBeth.com.
Featured image courtesy