The Best Budgeting Apps for Tracking Your Spending

The App Store is saturated with tools for helping you keep track of your budget, spending, income, credit score, and more. However, each app is different, offering varying levels of user-friendliness, security, and helpful features. We’ve built a list of the most useful apps for keeping track of your finances–from budgeting and paying bills, to learning about investing and credit, these apps have you covered.

Mint

Mint is the juggernaut of budgeting apps. You can securely sync all of your bank accounts, loan accounts (credit card, student loans, etc.) and even income accounts like PayPal. Once you’ve logged in, Mint does most of the work for you. In fact, just yesterday I got a notification from Mint that I was charged extra for my gym membership.

In the app or from the website you can design your own personalized budget that includes things like food, shopping, groceries, gas, etc. When you make a purchase with one of your linked cards, Mint automatically sorts the purchase into the correct category.

Aside from budgets, Mint also helps you set up a timeline for paying your debts. It shows you how long it will take at your current monthly payment amount and tells you how much you would save in interest by paying it off faster.

PocketGuard

PocketGuard is like a sleek, minimal version of Mint. However, its main strength, as the name suggests, is security. It boasts several barriers to identity theft and complicated and technical security measures that we won’t get into here (we’re talking 128-BIT SSL encryption).

PocketGuard is also simpler than Mint, both in terms of content and display. Plus, you won’t see as many advertisements for credit cards that Mint so slyly sneaks into just about every screen you view.

Home Budget with Sync

The name’s a little awkward, we know. But they added that “with Sync” in there for a reason. Home Budget’s most redeeming feature is that it allows you to sync up with other budgets in your household (your spouse, roommate, etc.). This makes it much easier for couples who are splitting bills to keep track of their expenses and savings.

One piece of advice is to choose what you share wisely. Not everyone wants to share all of their personal finance information with others.

You Need a Budget

You Need a budget, or as its many happy customers call it, YNAB, is a whole lot more than just a way to keep track of your money. It boasts several learning resources that empowers you with financial knowledge. Where other apps just let you plug in numbers, YNAB teaches you what all of those numbers mean and helps you make more informed decisions with your money.

YNAB is created with the intention of reducing your financial stress. It has simple videos, instructables, and more to help you learn the ins and outs of budgeting. Then it helps you build your own budget and stick to it with many of the same features as Mint or PocketGuard.

Personal Capital

If you’re ready for the big leagues of finance and want to start investing and tracking your assets, Personal Capital will help you get there. This app is designed for managing and analyzing assets.

The app’s main features are broken into categories: cashflow, retirement, investing, and net worth. The outstanding feature here is investing. It simplifies investing, checks up on your investments, and gives you useful tips that will help you get your toes wet in the investment world.

The Six Main Things That Determine Home Value

Estimating the market value of your home isn’t a precise science. There are several factors that go into assessing the value of a home and the process is complicated by changes in the market that can sway home prices in either direction.

Since homes are so expensive and are such a huge investment, the pragmatist and worrier in us all wants it to be a clear cut decision backed up by facts. Unfortunately, no two people will ever arrive at precisely the same number for the value of a home. The good news is that you can use this ambiguity to your advantage when bargaining with prospective buyers.

To learn more about the six main factors that determine a home’s value, read on.

Condition

Homebuyers don’t want to walk into what could be their new house and discover months of expensive repairs and upgrades waiting for them. Especially for busy, young professionals there is great appeal in a home that is move-in ready. If your home needs some work, it will knock off some digits from your asking price.

Location

We would all love to say that having a home near the ocean or the mountains is our top priority. But, let’s face it–having a place that is close to your work and that is in a good school district will probably take precedence over our daydreams.

Location factors that add value to your home could include close proximity to schools, shopping, highways, and other amenities. However, if your home is far away from them or is in a neighborhood that appears run-down or dangerous you will find the value of your home decreasing.

An easy way to get a ballpark figure for your home value is to look up the value of other comparable homes in your neighborhood.

Age

Age is just a really expensive number. For some, buying an old home is a dream they’ve always had. Old homes have character and offer challenges when it comes to DIY repairs and renovations. For others, an old home means more headaches and more expensive utilities if it’s drafty or outdated.

Features

Curb appeal is important, but once your prospective buyers are inside you’ll have to keep them around with great, convenient household features. Lots of storage space, updated kitchens with new appliances, finished basements, or a beautiful backyard with a view can all add thousands to a home value.

Size

Square-footage is important to many homebuyers. In spite of the current trends around minimalism and being eco-friendly, the numbers show that Americans are buying increasingly larger homes and vehicles.

Market

You’ve probably heard the terms “buyer’s market” and “seller’s market” thrown around in conversations about real estate. They are essentially descriptions of the supply and demand of homes. Many buyers with few homes means you’re in a seller’s market, whereas a surplus of vacant homes and few prospective buyers means it’s a buyer’s market. This is closely tied to location, different cities and suburbs experience different rates of growth and decline depending on the local economy.

Open house on 8/21/2016 at 1161 Franklin St Stoneham, MA 02180


Date: 08/21/2016 Time: 1:00 PM to 2:30 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Grand Victorian 2 family home with lots of period details located near the Melrose line. The upper apartment consist of 7 rooms with 3 bedrooms and has an updated K&B and is located on the 2nd and 3rd floor. The 1st floor apartment has 6 rooms with 3 bedrooms and 2 full baths and includes the finished lower level. There is a beautiful wrap around front porch and 25’x15′ rear deck plus a detached 2 car garage with a double with driveway for plenty of off street parking. Spacious corner lot and fenced yard. Just a short walk (.6 mile) to the Melrose Highland train station. Act now – this is a great opportunity for and owner occupied or investor.

Rental – 55 East Central Natick, MA 01760 now has a new price of $1,650!

Walk to the train station from this sunny 2nd floor apartment in a 3 family house just a few blocks from Natick center. Kitchen has been remodeled with new white cabinets and stainless steel appliances (gas stove, dw, refrig and microwave). The interior has been painted and there are wood floors with ceiling fans in all the rooms. Easy in unit laundry and parking for 2 cars. Gas hot and hot water (paid by the tenant). Available late August or September 1. Sorry no smoking allowed or pets.

This property features 4 total rooms, 1 full bath, 2 bedrooms, and is currently available for $1,650.

For complete details click here.