latest nhpb_banner 1__compressed



State Financial Resources

Assistance Programs by County

Rent Assistance

Free Food Pantries

Utility Bill Help

Free Stuff

Extra Income & Work From Home Jobs

Public Assistance

Disability Assistance Programs

Section 8 Housing

Senior Assistance

Free Job Training

Free Money

Grants For Bills

Free Clothes & Supplies

LIHEAP Energy Bill Assistance

Charity Assistance

Church Assistance

Community Action Agencies

Medical Bills

Free Healthcare

Free Prescription Drugs

Free Medical Clinics

Free Dental Clinics

Loans For Paying Bills

Car Loan Assistance

Interest Free Loans

Debt Help

Mortgage Help

How to Save Money

Financial Literacy Help

Search the Website


Best Budgeting Apps and Tools To Take Back Control of Your Money.

There are a variety of ways to budget your income and expenses on your smartphone. Find a summary and review of them below. These budgeting tolols can also help low to moderate income families, as it is important to have a robust, easy to use app on your phone for monitoring your spending and income, which are the foundations of a budget. Below are the best money-saving and budgeting apps for your smartphone or computer.

After all, you more than likely spend a lot of money on your smartphone or computer, so why not let the devices save you some cash along the way and help you budget? Financial and free budgeting apps are designed to improve your relationship with money by changing the way you shop, spend and save.

As after all, instead of sleeping in each day, spending time with your kids, or enjoying your day off, you make personal sacrifices and go to work day after day to earn a paycheck. Wouldn’t it be better if you budgeting your income and expenses to make it worthwhile?

Many Americans try their best but are horrible at budgeting and living within their means. Many work hard then realize that they are still short on rent. Or they do not have enough money for the bills or even afford a vacation abroad. Where did all of your hard- earned money go?

Regardless of your paycheck amount, a budget app (which are easy to use) could be the simple solution to your restless thoughts, spending habits, and it will solve some of those financial mysteries. Maybe it will help you live within your means and a more “simple” life. After all, setting a budgeting is very importnant for low income families and those who live check to check.

Do you have a costly cable plan? Overspending money on things you do not need? An app that is used for budging allows you to rethink your spending habits and will help you to prepare for unexpected emergencies, retirement, paying off debt and reaching your financial goals. The apps are critical, yet free and easy to use.

Traditionally, budgeting often means having a pen, paper, calculator and extra time to track your expense. Gone are those days. Now it is simpler. Smartphones are part of daily lives and creating a budget is effortless using an app or a related technology tool.




There are many Android and iOS apps budgeting apps and tools that makes managing money, sticking to a budget and monitoring spending a lot easier. Not all of these apps and tools are worth downloading. Find one that best fits your approach to manage money.

Best apps for budgeting

Mint App

A personal finance and money management app with over 15 million users. It is free to use and easy to get started. The Mint Bills app lets you see and pay your bills all from place as well as providing financial literacy and asset management tools. The app also provides reminders of when each bill is due so you can pay your bills on time and avoid costly late fees. In addition, the free to download and use Mint application even warns you when it spots suspicious activities. That early warning system is certainly important in a world of constant data breaches and identity theft.

Mint works by connecting with any US financial institution and the internet. It can be used with major lenders such as Bank of America, Citi, Chase and others. Within seconds you will be able to see where your money is going and your spending habits. This is critical to managing your bills, and find a list of other programs and how to get out of debt.

Some basic financial advice is given too. Users can get ideas on how to make your money stretch farther and recommendations on saving accounts based on your financial goals and lifestyle. Mint has a very easy-to-use interface, and your financial data automatically gets updated.

Best For:
•Young Adults
•Budget Beginners
•Smartphone Users

Special features:

•Bill Tracking: Stay on top of all your bills payments, save time and say goodbye to late fees. Mint will send reminders to your email or mobile phone, so you can plan ahead and never have a missed payment. This is an excellent feature if you are trying to improve your credit score. You will also be informed on suspicious activities and warnings on low funds- so you can accept those overtime hours and find gigs to make extra money.

•Easy Budgeting: Mint will analyze and calculate your spending by category. You will be able to see how much you are spending on shopping, groceries, electronics, rent, food, ATM cash withdrawals, medications, and other spending activities. Mint easy budgeting feature will help you to meet financial goals by cutting back on any category in where you are overspending.

•Free Credit Score: Is your credit score is preventing you from getting a loan, credit card, insurance or renting your dream apartment? Mint offers free credit report summary within minutes to know where you stand, explanation and suggestions on improving your credit score and free monitoring alerts.





•Weekly personalized alerts and advice: With mint, you will receive weekly summary of your spending habits to understand where your money went. It allows you to have visibility so you can start to save money on bills.

•Simple Categorization: Unlike bank statements that list activities as "C0245 GBH  CA" $30.25, Mint uses plain English and will automatically suggest the right category for your spending. There are hundreds of default categories, and you are also able to rename or re-categorize any transaction, which will apply to all future charges.

YNAB (You Need A Budget)

A personal budgeting software for iOS, Android, Windows, and Mac. YNAB was created by two married college couples with a meager income. They used the tool to help them pay off debt, saved their marriage, eliminated stress and rediscovered peaceful sleep. YNAB is available for a free 34-day trial then a small fee per month.

If you need to control your spending but do not have a head for numbers, the YNAB app is for you. The  app lets you enter some basic details about your income and living expenses, then tells you how much you can spend each day and it gives you free budgeting tips.

If you come in under your daily expenditure, you can roll the money over to the next day. If you go over budget, the app warns you and provides options for lowering your spending going forward. It is just like having a budget in your pocket.

Best For:
•Paying off debts
•Achieving long-term financial goals

Special Features:

•Bank Syncing: Connect all of your accounts and cards to increase awareness of your monthly spending and expenses.

•On the Go: It is simple and easy to access real-time info from any devices, and you can also share finances with a partner.

•Debt Paydown: Sure, life can become uncomfortable with limited food, electricity, and shelter, However being debt-free without financial obligations such as loan payments is fantastically freeing. After all paying down debt is the first step to financial freedom. This means better credit score for loans, credit cards, low car insurance rates and for potential landlords. Your savings will also increase from not paying interest fees and debt payments. YNAB offers tools and will help teach financial literacy. In addition, find other car title loan help.





•Goal Tracking: Whether if your goal is to repair your home, go back to school, or a dream trip to Hawaii, budgeting becomes irresistible and motivating with goals. YNAB offers five different goal-tracking features, three for spending categories and two for Credit Card Payments.

•Personal Support: YNAB offers unlimited support with help from the community, weekly newsletter, podcasts, weekly videos and help-docs for technical questions.

PocketGuard App

A free money and budgeting app that sync all of your accounts, including bank accounts, credit cards, loans, savings and investments in one place. The free app lets you know where you stand and how much money you can safely spend once your bills and expenses are paid. Pocketguard is free to all users, with a minimal monthly and yearly cost for the paid version. In addition, there are other investment apps for low income families.

Best For:
•Those looking to lower their bills
•Net worth tracking
•Automatic spending limits (which is great for low income families)
•Bill tracking and recurring subscriptions
•Income tracking

Special Features:

•Recurring Income: Pocketguard will automatically calculate your regular income. For most people, this may include paycheck, pension, self-employment earnings, side gig jobs, rental income and/or alimony.

•Bills Tracking: Setting up recurring bills on PocketGuard will carve out funds from your income every month to ensure your bills are covered before spending money on non-essentials purchases. Bill payments may include, utility bills, cell phone bills, mortgage/rent, credit card & loan payments, insurance and membership/subscription fees (gym, Netflix, etc.).

•Spending Limits: Pocketguard allows you to set a spending limit if you would like to cut back on a specific kind of expense such as shopping and eating out.

•Savings Goal: Creating a savings goal on PocketGuard is simple and it starts every month.

PocketGuard Plus (paid version feature) Adding customized categories: Pocketguard paid version allows members to add additional and customized categories such as charity donations, parking, gas, pets and hobbies expenses. Emojis are also available with icons to match your category.

•Cash transactions: With Pocketguard plus, you can manually add and adjust cash spending, ATM withdrawals and the ability to edit and delete transactions.

•Cash Bills:  This feature is useful if you pay your bills and rent in cash.







Albert App

A financial service with a team of human experts that provides guidance and answers questions. The app and technology based company tries to resolve the most complex financial questions. As a result of this, the Albert app offers a more human touch to budgeting and financial advice. This app works by using algorithms to analyze your income, expenses and it automatically set aside money for savings or investments, including for a retirement account. The first month of using Albert is free then a few dollars per month for operational costs.

Best For:
•People with financial questions.
•Motivation to save
•Bill Lowering
•Overview & Budgeting
•Text Messages

Special Features:

•Genius Team:  Albert has a team of financial experts that can help with all of your financial needs, such as paying off debt, improving score, building wealth, setting up insurance and/ or investment accounts.

•Intelligent spending alerts: You will receive text messages if you are over your budget or overpaying for a service. In addition to that, you will also receive suggestions on lowering your bills.

•Smart Savings: Create a savings goal on Albert then earn 1.00% annual bonus of free money.

TPG To Go - Wallaby App

If you have a wallet full of reward and cash-back credit cards, this is the app for you. Wallaby keeps track of all your cards and lets you know which one will give you the most bang for your spending buck. For example, it will help you determine which credit card gives the most cash back on a purchase or reward points for say traveling. It helps with budgeting as well as cash back payment management.

As another example, if you need to fill up your tank, Wallaby can tell you which credit card or payment app (such as Paypal, Venmo, etc.) provides the highest percentage of cash back. When you eat out, Wallaby lets you know which card provides the biggest bonus and the highest cash reward. This free app is a must for savvy credit card users who want to use their cards most efficiently and budgeting their money.

GoodBudget App

A home budget app that is available on the web, iOS and Android app. GoodBudget is a software based on 'enveloping method', which means you can digitally set aside money for groceries, rent, eating out, date nights etc.  Goodbudget free version comes with 10 regular envelops on two devices and the paid version is $6 per month or $50 per year for unlimited envelops, accounts, up to five accounts and email support.

Best For:
•Growing Family
•Sharing household expense

Special Features:

•Budget planner: Plan and save in advance for big expenses such as family vacations, a new car or home. The GoodBudget planner makes it easy and organize to save money and keeping track of expenses, which is critical for families living check to check..

•Budget Sharing: Sync your expense sheet your spouse and/or other family members to split household expenses.

•Envelop Budgeting System: This feature makes it easy for families/couples to compartmentalize daily, monthly and yearly expenses and allows you to spend money within your budget.

Debt Tracker

Debt Tracker is one of the top-rated personal finance apps for iOS and Androi and it has been downloaded hundreds of thousands of times. It offers a free, easy way to track your debt and get ahead of it before it gets out of hand. Track car payment loans, credit cards, medical bills, even personal loans and/or debts with this free applications.

The app connects to your bank account and desktop or laptop computer to show you how much you have paid, what categories of debt you have, when payments are due, where the money is going, and what interest rates are on your various loans. Debt Tracker automates the process.





Every push notification from Debt Tracker Pro tells you how much time until your next payment is due so that you know when to make a big purchase or save up for a big trip. It also offers budgeting tools so that you can figure out how much money you'll need in retirement, as well as financial wellness checklists with tips.

Saved Plus App

Saving is hard, but the free Saved Plus app makes it automatic. When you use your checking account to make a purchase, the Saved Plus app automatically moves a percentage of that purchase to your savings account. You do not have to do anything extra - the app takes care of everything for you. How about the form of assistance for budgeting your money!

You can set the percentage from 5-20%, and you can change it whenever you want. In no time at all, you will have boosted your savings account and put your money on automatic.

The Bottom Line on Budgeting Applications

Saving money and budgeting is not always easy, but modern technology can certainly make it less painful. From finding free coupon codes and boosting credit card rewards to beefing up your emergency funds and helping you budget, these free smartphone apps can make shopping, spending, budgeting and saving a lot easier.


By Jon McNamara

“Related and Sponsored Links” are listed below.




Contact Us

About Us


Privacy policy


Search Site