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How much money do you have, and how much do you owe? Figuring out the
answer to those two questions is the first step to getting out of debt
or growing your money. After that, you can focus on paying your bills on
time, budgeting across different categories, and making better
investments. The best personal finance apps for your iPhone or Android
phone can offer advice and tools for you to manage all those matters,
anytime and anywhere you're holding your smartphone.
Personal finance apps extract real-time data from your service
providers—including banks, investment houses, lenders, and credit card
companies—to paint the most accurate portrait of your finances on the
fly. This is a far cry from the pre-PC days when tracking your expenses
involved saving receipts, writing down transactions, opening paper
bills, and going to the bank every now and then.
Our very favorite mobile app does all that and more. Our Editors' Choice
in the personal finance mobile app category is Mint.com, which has full
featured budgeting tools, goal setting features, and even
advertisements that are actually useful. Ads in Mint make use of the
information you give it about your current interest rates and other financial details to offer you better deals.
A natural concern about using a personal finance app is security.
Frankly, the name-brand apps we recommend are probably more secure than
carrying your credit card around in your wallet. These apps don't store
any personal financial data on their servers or even the mobile device
itself, so any hacker who suddenly gets his hands on your device won't
be able to find anything of value. Plus, if you lose your phone, you can
always wipe it remotely… and trust your PIN code to keep out perps
until you do.
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