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Tuesday, June 23, 2015

4 Awesome Financial Applications That Are Free

There are several free budgeting tool applications that can help everybody keep better track of their finances, and spending habits. These tools allows users to sign into their own personal account and electronically connect through a security portal and have their spending habits broke down to show the consumer an overall picture of their accounts. We are going to take a look at what I feel are the top four money management and budget management tools that are free to consumers to use.

The first one that we are going to look at is BillGuard.

Billguard was rated number one application in 2013 and 2014 by PCMag and TechCrunch magazine and along with being rated number one by CNNMoney for being the best application for money management.

The application is great for tracking your spending habits over time and comparing your habits to months previous in order to show you where you are doing great or where you are doing bad with spending or tracking on your budget. This app will also compare your spending habits and scans the internet for coupons that match your habits in order to save you time and money when you go to the store.

BillGuard sends personalized messages to it members in order to notify users if they've shopped at a merchant who has been breached, this is very helpful especially for the last couple of years where large department stores data has been breached and consumers credit cards has been compromised.

There are three categories to BillGuard, there is the free version that entitles you too: Smart Inbox, Spending Analytic's, Transaction Intelligence, Card Fraud Alerts, Data Breach Alerts, and Card Concierge.

The second version cost $2.99 a month and it entitles you will too: everything the free version offers plus, Live support 24/7, Lost wallet recovery, Credit Monitoring from one bureau, Identity Restoration.
The third version cost $6.99 a month and entitles you too: everything the first two versions offers plus Credit Monitoring from all three credit bureaus, Full Identity Restoration, Black Market Surveillance, SSN Fraud Alerts and $1 million ID Theft Insurance.

The second service that we will look at is

Many of you have heard of this awesome application called This is a free money management tool that is built by Intuit which brought us Quicken. The key features of this application is for you to be able to view all your accounts in one place so you know where you are spending to much money and the areas that you are saving money in. is a great tool to help you build your financial budget, especially for people that have never lived by a budget before. This budget tool comes with all the step by step instructions to help you build your budget, start a savings plan, and helps you pay down your bills.

If you are an investor in the stock or commodities market offers a nice tool to help you track your stocks and commodities. There are also some good learning tools to help new investors learn about investment strategies.

Another great feature with Mint is that you can keep track of your credit score at anytime with this program.

When you sign up for Mint you do not have to give them any credit card information. Many people including myself get really skeptical about being charged for something when it is advertised as a free service. But with Mint you do not have to worry about this, they will never ask for your credit card information.

The third app we will look at is called Checkbook.

This application is very similar to the application but with Checkbook you can transfer funds from one account to another account. This application is a great tool to manage your personal written checkbook, set up a budget for your home, keep track of spending habits and etc.

This tool is also free and easy to use.

The forth tool we are looking at is Spending Tracker.

Spending Tracker is another easy to use free application for tracking your expenses and helps you setup and run a household budget. Just like the other apps it offers you great looking charts and graphs to help you with all your budget needs.

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