I can still remember those days when we used to complain about how quickly our money from the pay check disappear. It is like receiving the pay check on one hand and out goes the pay check on the other hand. And we used to complain that we don’t even have to chance to enjoy spending our hard earn money. All of our money had gone into paying off utility bills, credit card payments, and etc. It is only much later that we realized that we were bad money manager and we didn’t make the effort to track how we spent our money and most of the time, we spent more than what we could afford. I guess it is because some of us were young and ignorant but we get to learn from our careless mistakes to become wiser.
Looking back, I suppose we were quite contented to be able to stay clear of debt by being able to clear our outstanding bills. The only thing is that we don’t get to see any balance in our bank account and didn’t get to enjoy some of what we had earned. To me, the word budget is a boring word. After all, not every one of us like dealing with figures and accounts. But most of us learnt the hard way that creating a budget is very important. It is actually foolishness to ignore our cash flow and our careless spending habits.
Nowadays, we are fortunate to have access to some of the top spending tracker apps that we can download and install onto our mobile phones or computers to help us track and manage our finance. When we find it difficult and overwhelming, let these spending trackers do the job for us. Depending on what you have chosen, these apps are designed for managing your money. These can sync your bank accounts, your credit cards, and the monthly bills that needed to be paid to one account.
If you are using an Apple mobile device, you can download the best apple budgeting app from iTunes. The app helps you categorizes your spending into several categories and also helps you to calculate your average monthly spending for each categories. It will also inform you if you are spending too much with charts and graphs for your easy viewing at any given time. The app will send you notifications for paying bills and for over spending.
For those using android mobile phones, you can also have access to these apps by going to Google Play store to search and download any of the Google play finance app. Make use of the free trial period to experiment the app until you find one that meets your requirement and is easy to use.