Emergencies happen and we often can’t handle the situation ourselves. In need of extra money we have to apply for loans, most frequently short-term Payday Loans or higher amount Personal Installment Loans. It’s OK if you have no other way out. But sometimes it’s possible to avoid borrowing if you know how to plan your budget so that you had enough funds to live on and even had some savings for a rainy day. Find out what experts recommend to do to forget about financial troubles.

Table of Contents:

What is a budget planner and why should I use it?

Can I find a free budget planner?

What are the benefits of a budget planner app?

Choose the Best free budget app

Quicken budget app

Mint app review

Acorns app review

Wally app

Every Dollar app

Goodbudget

Countabout

Personal Capital review

Mvelopes

How to get Fast money if you get out of budget?

What is a budget planner and why should I use it?

A budget planner is a useful tool to plan your expenses in order to balance your spendings with your income, determine whether you’ll have enough money to pay for all the things you need or want to. It’s sometimes very important as many people don’t realize how much money they waste, buy more than they have to, or forget about some bills, which all leads to debt.

A budget planner, whether it’s a free online device, or a mobile app will help you prioritize your expenses and focus on the most urgent purchases and bills rather than wasting money randomly. With a budget planner you’ll always stay assured that you have enough money which will let you avoid any debts, or get rid of the existing ones.

Can I find a free budget planner?

Yes, you definitely can. There’s a wide choice of free mobile apps and online budget planner spreadsheets, templates and calculators.

They are a perfect solution to manage your finances without spending any. Just install the app on your mobile or desktop and you’ll be able:

  • To categorize your spending
  • See your budget in real time
  • Take pictures of receipts
  • Provide spending data for your taxes
  • Besides using a budget planner app for free, you sometimes can also get a free annual credit report with their help.

What are the benefits of a budget planner app?

  • First of all, you get your money under control. It helps you to avoid stress of running out of funds and lets you get rid of constant debts and the necessity of applying for emergency loans.
  • Planning your budget helps you reach important financial goals without wasting on unnecessary things.
  • Being able to see the accurate data of all your money transactions keeps you constantly aware of how much money you get, how much you spend, when, on what, etc.
  • Seeing which category you spend most money on helps you to adjust your expenses.
  • You can decide in advance how you’re going to use the money so that it worked for you.
  • Budgeting is also a great way to learn to save money for any emergency situations. In case you’re used to taking out cash advances budget planners are just for you.
  • Budget planners serve as a financial educational tool as well. Besides, they may help resolve any conflicts between relatives on the problem how their common money is spent.
  • Seeing your financial future will let you predict any problems and try to avoid or solve them on time.
  • In case you do need a loan, budget planners will let you determine if you can afford it. You’ll know how much you can apply for and repay it on time without any problems.
  • Planning your budget you can not only save but also make some extra money by avoiding additional penalty fees, interest, etc.

Choose the Best free budget app

Quicken budget app

Quicken budget app

Quicken budget App is a desktop application that lets you update your budget from your mobile device. It has multiple versions of its application — from Window and Mac to apps for the iPhone, iPad, and Android.

Quicken will help you keep track of your money, pay bills, plan the budget and even manage your investments.

Mint app review

Mint app

Mint budget planner is a simple free personal finance app that's web-based. It has easy interface with graphs and tables, etc. The information is automatically updated. With Mint you get a full access to your financial data through its website or a mobile device. It’s easy to install and sync up with your Mint.com account. And you’ll always get notifications of changes to your finances.

Acorns app review

Acorns app

Acorns is not free but it charges only $1 a month for a taxable investment account, $2 a month to add on an individual retirement account, or $3 a month for an Acorns checking account.

Acorns helps you to save by rounding up your purchases on linked credit or debit cards. Then the changes are swept into your investment portfolio.

Wally app

Wally app

Wally budget planner is free. It’s available on iPhone. As most other apps it helps you to balance the income and expenses, to track the money you spend and earn.

Every Dollar app

EveryDollar app

EveryDollar helps users to get every dollar they make or spend accounted for so that you knew for sure every detail of your expenses and income.

There’s a free version and a paid version of the program which costs $99 a year.

Goodbudget

GoodBudget app

Goodbudget app is designed to allocate your finances. It’s available through your web browser or via the app on iOS and Android.

On this app your money is put into digital “envelopes,” or categories.

Goodbudget provides the users with “regular” envelopes like rent, groceries and entertainment or others. You assign a certain amount into each envelope and then enter transactions and observe how your spendings affect the budget.

Countabout

CountAbout app

CountAbout lets you keep track of your expenses, categorize transactions and create or manage budgets.Besides, you can create and edit budgets, run reports and manage any current transactions.

Colourful information-rich graphics of the App will provide a quick visual picture of your expenses and other budget plans.

Personal Capital review

PersonalCapital app

Personal Capital is an online financial advisor, which charges 0.49% - 0.89% account management fee. The App allows you to link existing accounts and track spending, to plan retirement, etc.

Mvelopes

Mvelopes

Mvelopes reminds putting real money in paper envelopes. You can link Mvelopes app to all financial institutions, including bank and credit card accounts. The basic Mvelopes app is free, but other plans charge certain fees. The app works rather simple. As soon as you enter your bank credentials, all your account balances and transactions are imported into the application.

Transactions are automatically categorized with the chance of being edited. When you plan your budget, you can schedule your paychecks, budget amounts for your expenses, add or delete envelopes, add limit or copy budgets from month to month.

How to get Fast money if you get out of budget?

If budget planners or other tricks didn't work for some reason and you've actually got out of budget, there're other ways to find emergency funds. They are applying for instant cash advance. The most popular types of fast funding are short-term Payday Loans and longer term Installment Loans paid over months in equal installments. You'll be able to get up to $5000 loan even if you have bad credit. Find out more about this opportunity in our articles or apply online now.

Ad

Loans for ANY NEEDS
APR from 4.99%

Read more: Payday Loans.

Read more: Installment Loans.