5 apps that will help you manage your money effortlessly

Use your phone to manage your finances

Keeping on top of your finances can be a frustrating affair. With different payments to be made monthly, many cards to keep track of and more ways to pay than ever before, important issues can slip through the cracks – so why not download one of these handy apps and ensure that you’re always on top of your money?

Pennies is an award-winning app for managing your personal budgets & spending money on the go. Be it on your smartphone or smartwatch, this app allows you to discretely budget for one-off outlays and frequent, scheduled payments alike. A great tool to rein in your spending, the clean look of Pennies keeps things simple and makes it easy to zone in on those pesky payments that keep draining your balance.

MyWallet is exactly what it sounds like – a digital wallet where you can store not only all of your credit and debit cards, but also loyalty cards, gift cards and travel tickets. With a high level of personal security, passwords and passcodes are needed before you can use the cards and – in these times of contactless paying – that makes MyWallet even more secure than your real wallet.

Smart, simple and free, the cleverly-named OnTrees looks after your money without fanfare or fuss. You can see precisely how much money is going out of your account – and on what – and this promises to help you identify areas of excess, cut down, and save money in the long run.

Promising instant and secure access to your HMRC account whenever you need it, the official HMRC app allows you to check your next tax credits payment date, renew your tax credits award, view your personal tax account, and track forms you may have sent to HMRC. It sounds like pretty dull stuff, but it’s a handy way to keep on top of your taxes.

HomeBudget with Sync allows you to effortlessly keep track of all of your finances across all of your digital platforms. And, not only can you update, track, add and chart your expenses, HomeBudget also allows the devices of everybody in your household to sync with the central account – meaning no outlays go unnoticed.

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