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A life you love on a budget you can afford.

Here on TBM®, I provide you with simple, easy-to-follow solutions to help you budget your money, pay off debt, save more, and crush your financial goals. But more than that, I give you the tools to start doing the things that matter most to you, on a budget that actually works!

4 Free Phone Apps I Love

March 4, 2016
Budget Tips

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app

I am hoping this post answers the question, “What would you recommend for so-and-so?” From everything helpful, to all that is dreadful, I have tested many different apps. I hope you discover something new here that helps you with your busy life!

 

YNAB

Well hello there YNAB! There seems to be almost a cult-like following for YNAB (You Need A Budget). I have personally tested the YNAB budget software, and I also became a believer. Are you thinking, what the heck is YNAB? This nifty little software package has 4 defined rules.

  1. Give every dollar a job
  2. Save for a rainy day
  3. Roll with the punches (even when you make mistakes)
  4. Live on last month’s income

Being able to live on last month's income is the desirable end outcome for using YNAB. Something I think we all strive for. Do you need a budget? Head on over to YNAB and grab a different experience to budgeting.

Download the You Need a Budget (YNAB) iOS app.

 

CREDIT KARMA

Credit Karma definitely is the winner in my eyes when it comes to getting a free credit score. Whoa, hold your horses! Did I just say it was free! You bet your little bottom I just did. This is a free credit score tracker that I have been using personally for over 4 years. Back in the crazy debt days of Kumiko, I discovered this little gem from a friend. At this point in my life, my credit score really took a beating, so I thought to myself “Why not?”. What a life saver!! I wrote a more detailed post on this product I think you should check out. (Does Your Credit Score Need A Boost?)

Download the Credit Karma iOS app or go to CreditKarma.com now to check your credit score.

 

DIGIT

Do you want to save money without even thinking about it? Poof, your dreams have come true! Link your bank account to Digit (I know, I know…it's safe), and it will automatically start inspecting your spending. In about 2 days, it starts shoving itty-bitty amounts of your money into a savings account. The great thing about Digit, it's very smart computer brain knows exactly how much to shove into that savings account without you even noticing it's gone. If you have problems with the very powerful rule of paying yourself first, or just have trouble saving in general, this is a great thing to look into.

Sign up for Digit >>

EBATES/RAKUTENebates-logo

You don't even have to think about this one. In fact, stop what you are doing and go get yourself signed up for Ebates (now known as Rakuten)! It literally gives you money back on online purchases and then depending on your time preferences you have selected, a check will be on it's way to you. Before shopping online, go on over to Ebates / Rakuten, search for the store you want to shop from, and wa-bang! – money in the mail. The money you receive is for percentage points back on your online purchases. So if you online shop – which is everyone I know – go score some extra savings at Ebates / Rakuten! Mind blown, I know!

Sign up for Ebates / Rakuten and save money >>

SHARE WITH ME YOUR FAVORITE APP DISCOVERIES!

 

 

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Filed Under: Tagged With: BUDGET, BUDGET TIPS, REVIEW

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Comments

  1. Inez says

    March 19, 2016 at 8:09 pm

    I think I’ll be downloading Credit Karma and Digit right now!

    • The Budget Mom says

      March 19, 2016 at 11:12 pm

      Digit is an amazing little app! Thanks for the comment Inez!

  2. Chelsea Blackmore says

    June 20, 2017 at 11:40 am

    Thanks a bunch for this guide! I just started using WalletHub, and it’s also pretty great! It’s totally free as well, but it shows me a new score every day! You should deff try it, see what you think of it.

Hello, I'm Kumiko, but everyone just calls me Miko. Welcome to my blog, The Budget Mom. I am an Accredited Financial Counselor® , and mom to a rambunctious boy. Come along with me as I strive to live a life I love on a budget that I can afford. Read more about me.

RECENT YOUTUBE VIDEO

The Budget Mom

The Budget Mom
It’s time for another Real Life Budget. I asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.

I am taking those real-life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.

If you would like to submit your budget information to possibly be picked for a Real Life Budget that we will show on YouTube, please reach out to budgets@thebudgetmom.com.

Diane is a single mom who is a Database Administrator for an IT Department at a local college. She lives in Queens, NY, and eventually wants to move to a lower-cost of living area in the future. 

Diane submitted her information because she is struggling to organize and tackle all of her larger short-term goals.

CHAPTERS:
00:00 Introduction
02:15 Why & Personal Story
04:20 Income 
04:37 Fixed Expenses
05:48 Variable Expenses
06:31 Debt
07:53 Savings Goals
10:18 Budget By Paycheck Method
14:51 My Recommendations

➡️ HOW I TRACK MY SPENDING: https://bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: https://bit.ly/2IzF2Vj
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ABOUT ME

Kumiko Love is a single mom who empowers women everywhere to regain control of their financial lives. An Accredited Financial Counselor with over nine years of experience in the finance industry, she founded The Budget Mom, a community of millions of women on a path to financial fulfillment.

She's also the creator of the wildly popular Live Rich Planner® and Budget by Paycheck® Workbook. Love has been featured on Good Morning America, the Today show, CNN, CBS, ABC and in USA Today, US News, World Report, Huffington Post, Money Magazine, Parents Magazine, the Washington Post, and Real Simple. She lives in Spokane Valley, Washington.

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