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New Year Tip – Try a Budgeting App

Are you using a budget this year?

WalletHub compared 17 different budgeting apps that help people reach their financial goals. They’re convenient and easy to use and allow you to check your status from your phone. They can alert you when you’ve reached a spending limit. They can also provide an overview of income and expenses. Some offer personalized spending insights and debt payoff plans. Budgeting apps can motivate you to adjust your habits. They can’t actually change bad habits, but they’ll give insight into your behavior.

WalletHub identifies the best free apps that don’t require linking your bank accounts. They include: EveryDollar, GoodBudget, PocketGuard, HoneyDue, and their own WalletHub. While you do have to manually enter your transactions, budget tips can help you manage your finances. YNAB is another great option though there is a minimal fee.

The safest apps encrypt your data to prevent fraud and block scammers from accessing your information. Some also support biometrics like touch ID. Read online reviews before deciding which one is best for you. You may prefer spreadsheet programs like Microsoft Excel, Google Sheets, or OpenOffice Calc. They’re also beneficial tools for budgeting.

Everything we have is a gift from the Lord. A budget simply helps us to be faithful. It eliminates the fear and anxiety of wondering if bills can be paid. The tools take some time to prepare, but the benefits are countless. So, try a budget and see how it helps you steward better this year.

For more help with your finances, check out our budget coaching program. It can put you on the road to financial freedom. Go to crown.org and click the “Get Help Now” tab. You can start today at crown.org.