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One of the easiest ways to save money is by saving money you never had. Probably the foremost example of this is to have money taken out of your paycheck to fund your 401K account. Since you don't actually "see" the money you don't miss it as much as if you had to write a check. Digit is another way to do this. It reviews your income and spending patterns, determines how much money you can afford to put away and then saves it for you. This is just a very cool way to automatically build a nest egg.
Manage your spending with Goodbudget
Have you ever heard of the envelope method for budgeting? This was an old-school approach where you would take a bunch of envelopes and label them based on your budget categories such as groceries, utilities, clothing, etc. When you got paid you would divide the money into the envelopes based on what you had budgeted for each of your categories. The Goodbudget app is based on this but puts it into digital format. You can use it to set up an "envelope" for each of your budget categories and then deposit a certain amount of money in each of them. It will nag you if you spend more than you had budgeted in any category. While this might seem like a sort of rudimentary approach it is a great way to see how much money you're spending in certain categories. Plus, it offers a helpful reminder when you spend too much.
Get your credit score free from CreditKarma
One of the most important things this app does is give you your credit score free. Credit Karma will also monitor your credit card accounts and then recommend better cards or loan programs that will save you money – mostly on interest. It includes a suite of services that will advise you about auto insurance and mortgages. It's a great tool when you want to do some comparison-shopping to save money and do a better job of managing your finances.
You don't have to do all of these at once
If the idea of downloading and learning to use all seven of these apps seems a bit overwhelming, relax. Start with one of them like Mint, learn to use it until you're comfortable with it and then add a second app such as Acorns or RetirePlan. In other words, don't try to do everything at once. In fact, you may find you don't even need all seven of these apps. The important thing is to give them a try, learn what works best for you and then sit back knowing your personal finances are now resting comfortably on autopilot.