apps http://www.wisebread.com/taxonomy/term/11591/all en-US How to Score Free Rides on Uber, Lyft, and Sidecar http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-score-free-rides-on-uber-lyft-and-sidecar" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_city_phone_000039070354.jpg" alt="Woman learning how to snag free rides on uber, lyft, and sidecar" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>The story of Blake Jareds acts as both travel hack inspiration and a cautionary tale. Last year, the Long Island native was able to rack up $50,000 in Uber credit via referral codes, but that reward was reduced to $500 when Uber took notice of his exorbitant earnings. However, the way he went about it is pretty savvy &mdash; first he created his own legit-looking custom promo code (&quot;UBER$20FREERIDE&quot;) to help with search engine optimization, and then he posted that code to Reddit's <a href="https://www.reddit.com/r/eFreebies">eFreebies</a> section, where it picked up viral steam.</p> <p>Although&nbsp;<a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft">Uber</a> now has rules in place about making codes available to the general public (beyond your own network reach) or paying to advertise them, we can all take a few tips from Jareds' approach to snagging free rides on services like Uber, Lyft, and Sidecar. (After all, even celebs like Lindsay Lohan, Snoop Dogg, and Neil Patrick Harris have gotten in on the action, <a href="http://news.yahoo.com/cheapskates-lindsay-lohan-neil-patrick-harris-10-every-204852569.html">referring their massive Twitter followers</a>.) And even if you don't have quite the large fan base that Lohan, Snoop, and Harris do, you can still earn valuable coin toward free rides.</p> <p>Here's how each company's referral program works:</p> <h2>Uber</h2> <p>As an <a href="https://www.uber.com/">Uber</a> user, both you and the new user you refer will receive a $20 credit in your respective accounts. You can even create your own personalized promo code so that it's easier to remember and share with others. (Here's a useful <a href="http://therideshareguy.com/how-to-personalize-your-uber-passenger-referral-code/">primer on referral codes</a>, although it's written from a driver's perspective rather than a rider; the advice still works, though.) As of now, there's no ceiling to the amount of credit you can earn &mdash; although it must be earned legitimately.</p> <h2>Lyft</h2> <p>Like Uber, both referrer and referee get a $20 credit, and a unique personalized referral code can be created. Unlike Uber, <a href="https://www.lyft.com/">Lyft</a> has a lifetime referral ceiling of $15,000 maximum. However, Lyft is currently sweetening the deal with a promotion in 19 of its markets: Refer three friends and get $60 in referral credits, plus $25 in bonus credits. Refer five friends, and get a $100 credit, plus $50 in bonus credits. Refer 10 friends, and get $200 in referral credits, plus $100 in bonus credits.</p> <h2>Sidecar</h2> <p>Through its &quot;Refer-a-Friend&quot; program, new users get $20 in ride credit, while the referring user gets $10 to use toward future Sidecar rides. Currently, <a href="http://www.side.cr/">Sidecar</a> is only available in San Francisco, Oakland, Los Angeles, San Diego, Long Beach, Seattle, Chicago, Boston, Charlotte, and Washington, D.C. Users can also save up to 50% off by taking advantage of its unique ride-sharing program.</p> <h2>Extending Your Referral Reach</h2> <p>These amounts are often in flux, as each company often runs promotions or adjusts the current amount of credit given. Consider subscribing to the <a href="https://blog.uber.com/">Uber Blog</a>, <a href="http://blog.lyft.com/">Lyft Blog</a>, and <a href="http://www.side.cr/category/promotions/">Sidecar Blog</a> to stay up-to-date on the latest and greatest savings.</p> <p>Also, think about ways you can pump up your earning prospects by reaching out to your greater network. Are you a blogger? Share your referral code with your readers. Have a lot of Facebook friends? Let them know about your unique code &mdash; and reap the rewards! Work at a place that gets a lot of foot traffic? Put out referral cards on your desk or another common area, and watch the referrals roll in. (Here's more information on how to order snazzy-looking <a href="http://get.lyft.com/referral-cards/">Lyft referral cards</a> and <a href="http://uberr.weebly.com/print-uber-business-cards.html">Uber referral cards</a>.)</p> <p>And if you're in a market where Lyft, Uber, or Sidecar is relatively new, take advantage of your early adapter savvy by making others the wiser. (Here's a great blog post from someone who snagged <a href="http://patrickcines.com/blog/how-i-turned-50-into-over-1500-in-free-uber-credit/">$1,500 in Uber credits</a> by spreading the word when the service came to State College, Pennsylvania.) Unlike some programs, it's a win-win situation for people on either side of the referral &mdash; and you might be surprised at how quickly the credits stack up.</p> <p><em>Have you racked up referral credits? Tell us how!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jen-jones-donatelli">Jen Jones Donatelli</a> of <a href="http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft">How to Earn Extra Money Driving for Uber or Lyft</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tips-to-win-any-argument">6 Tips to Win Any Argument</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-diy-dog-toys-you-can-make-for-pennies">10 DIY Dog Toys You Can Make for Pennies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks apps lyft ridesharing sidecar taxis Uber Fri, 22 May 2015 13:00:22 +0000 Jen Jones Donatelli 1429781 at http://www.wisebread.com 9 Ways to Avoid Overdraft Charges http://www.wisebread.com/9-ways-to-avoid-overdraft-charges <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-avoid-overdraft-charges" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_smartphone_city_000051110530.jpg" alt="Man finding ways to avoid bank overdraft charges" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I would venture to guess that mine was the last generation that was taught how to balance a checkbook. (I remember a Junior Achievement course in the 8th grade, circa 1995, that provided me the skills to keep my cash flow in the black.) But there's something to be said for the ease and convenience of mobile banking.</p> <p>With that ease, however, comes errors &mdash; sometimes multiple errors &mdash; in the form of overdraft fees because we've overspent without knowing it. Keep those unnecessary expenses in check with these ways to avoid <a href="http://www.wisebread.com/charged-with-an-overdraft-fee-get-your-money-back">overdraft fees</a>.</p> <h2>1. Get Familiar With Your Bank's Policies</h2> <p>Before you choose a bank, it's important to familiarize yourself with its policies. Not all banks are alike, after all. Some banks offer overdraft protection, while some offer no-fee transfers from savings to checking. All banks have fine print that you should absolutely read. Going into a financial situation educated will help you cut back on costly mistakes that can be easily avoided.</p> <h2>2. Use Mobile Banking to Track Spending</h2> <p>If you're one of the few people in America who still use paper checks as a primary source of payment, thus constituting the balancing of a checkbook, I should introduce you to my grandmother &mdash; because I think you'll have lots in common.</p> <p>But if you prefer to be part of the majority who live in the 21st century, it's wise to keep track of your finances via mobile banking. Most banks have apps that you can download to your phone to keep track of your finances anytime, anywhere. There are lots of cool features as well, like the ability to transfer between accounts and deposit checks with a few taps and photo image. The latter is a godsend for me as a small business owner, since I no longer have to take time out of my day to deposit checks at a banking brick-and-mortar.</p> <h2>3. Login Daily to Monitor Your Balance and Transactions</h2> <p>What's the first thing you do when you wake up? When you asked this question in the 1980s, the answer was usually &quot;Go to the bathroom.&quot; Fast-forward 30 years and that answer is altogether different &mdash; for me, at least. The first thing I do in the morning is check my social media and bank accounts.</p> <p>Because before I start my day, I want to make sure that 1,500 strangers still like me, and none of them have robbed me blind. Logging in everyday reminds me to check for erroneous charges, allows me make a mental note on recent charges that may not have posted yet, and informs me on whether I can afford to go out to lunch or I should reign in the spending a bit &mdash; all of which help me avoid overdraft fees.</p> <h2>4. Get Alerts When Your Account Dips Below a Certain Threshold</h2> <p>When researching the ins and outs of your banking institution &mdash; particularly the checking account services it offers &mdash; look for information regarding text or e-mail alerts that notify you when your account dips below a certain threshold. For instance, I have alerts set at $100. If I make transactions that cause my account to go below $100, I'll receive an alert that serves as a warning to stop spending immediately and build my account back up.</p> <h2>5. Transfer Funds Immediately</h2> <p>If you think you've perhaps made more purchases than you have money, transfer those additional funds from your savings to your checking account immediately. I don't recommend dipping into your savings often (it defeats the purpose), but you should deal with the issue at hand first, which is avoiding overdraft fees. It's also wise to bank at an institution that offers no-fee transfers when you're in a bind. Sustaining a hit to avoid a hit is sure to put a kink in your day.</p> <h2>6. Ask to Have Overdraft Fees Waived</h2> <p>Pull a page from my playbook and call your bank if you feel like you deserve a pass on an overdraft fee. If it's been awhile since you've made that mistake, or if you've been a loyal customer to the bank for many years, it's worth the effort. In most cases, the bank will work with you to eliminate the fee on a one-time basis.</p> <h2>7. Opt Out of Overdraft Protection</h2> <p>Overdraft protection is good on one hand because it lessens the fee you pay if you overdraw the account &mdash; usually a $10 fee instead of $25 or $35. On the flip side, overdraft protection will allow you to continue to make purchases for which you don't have the money. This is an especially unfortunate consequence if you're not aware that you're overdrawn and you continue making multiple purchases. You'll rack up a fee for every single transaction, which, by the time they've all posted, could become a significant amount.</p> <h2>8. Don't Use the Credit Option on Your Debit Card</h2> <p>Back in the early days of debit cards, my bank would charge me a nominal fee for each purchase when using it as a debit card, kind of like a competing ATM does. Made absolutely no sense to me, but because of that I started using the credit option when making purchases, which had no fees attached. Nowadays, debit charges are fee-free, so I try to remember to push the purchases through using that method, for one reason: Debit transactions post immediately, whereas credit transaction could take a few days to post. The former will help you stay on top of your financial situation in real-time while the latter could have you overdrawing your account unknowingly.</p> <h2>9. Keep X Amount of Dollars in Your Checking Account at All Times</h2> <p>The best way to avoid overdraft fees is to keep your bank account in the black at all times. To help ensure that you don't go into the red, choose a self-imposed amount at which you'll always keep your account &mdash; $100, for instance. If you mentally make it standard policy that your account consistently has at least $100 in it, you'll rarely overdraw, if at all.</p> <p><em>Do you have other suggestions on how to avoid bank overdraft fees? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-ways-to-avoid-overdraft-charges">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-things-to-do-with-your-bonus">6 Smart Things to Do With Your Bonus</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/charged-with-an-overdraft-fee-get-your-money-back">Charged With an Overdraft Fee? Get Your Money Back!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-paying-these-6-unfair-banking-fees">Are You Paying These 6 Unfair Banking Fees?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-natural-for-me-to-spend-as-i-do-0">It&#039;s NATURAL for me to spend as I do!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-ways-to-safeguard-against-bank-bullying">6 Simple Ways to Safeguard Against Bank Bullying</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking apps mobile banking overdraft fees savings spending Fri, 15 May 2015 09:00:14 +0000 Mikey Rox 1416668 at http://www.wisebread.com 15 Modern Life Skills Everyone Should Master http://www.wisebread.com/15-modern-life-skills-everyone-should-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-modern-life-skills-everyone-should-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_tech_skills_000042638902.jpg" alt="Woman with basic tech skills needed for everyday life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's 2015, people! That means there's no excuse not to learn these 15 basic tech skills that will save you money, time, and embarrassment when talking to more tech-savvy know-it-alls.</p> <h2>1. Use Uber and Lyft</h2> <p>Taxis are expensive, and not every city has a fast and expansive public transit system. That's why <a href="https://www.uber.com/">Uber</a> and <a href="https://www.lyft.com/">Lyft</a> are great alternatives, especially when you plan to drink.</p> <h2>2. Make a Basic Website</h2> <p>You never know when you might need to have your own website, and if you're a freelancer, it's a must. With platforms like <a href="http://squarespace.com/">Squarespace</a> and <a href="http://wix.com/">Wix</a>, it's never been easier (or cheaper) to make your own website.</p> <h2>3. Set-Up Online Banking</h2> <p>Are you still going to the bank to check balances and move money around? That's insane. It's about time you enrolled in online banking at your institution. It's as easy as going to your bank's website, clicking on &quot;online banking,&quot; and following the instructions.</p> <h2>4. Update Your Facebook Privacy Settings</h2> <p>Don't want just anyone to see your private posts? It's time to learn how to <a href="https://www.facebook.com/help/325807937506242/">edit your privacy settings</a> on social networks, especially Facebook.</p> <h2>5. Transfer Money Instantly</h2> <p>At this point, Western Union and other traditional money wire companies are useless. Every bank offers transfers within their banking app, and it's instant when transferring within the same bank. Failing that, <a href="https://www.paypal.com/us/webapps/mpp/mobile-apps">PayPal's new app</a> is simpler than ever.</p> <h2>6. Operate Bluetooth Accessories</h2> <p>Want to use all the cool new speakers, keyboards, mouses, headphones, and more? You will need to master the Bluetooth connection. Here's how to do it for <a href="http://windows.microsoft.com/en-us/windows7/add-a-bluetooth-enabled-device-to-your-computer">Windows</a>, <a href="https://support.apple.com/kb/PH13704?locale=en_US">Mac</a>, <a href="http://www.techrepublic.com/blog/smartphones/get-the-most-out-of-bluetooth-on-an-android-device/">Android</a>, and <a href="https://support.apple.com/en-us/HT201205">iPhone</a>.</p> <h2>7. Edit a Smartphone Photo</h2> <p>Are you one of those people who uploads your photos sideways or too dark? There's no excuse! Most mobile phones allow for you to crop, rotate, adjust brightness or contrast, and more, all with a couple finger taps. Want to get creative? Try some cool photo editing apps.</p> <h2>8. Comparison Shop With Barcodes</h2> <p>Out shopping and want to check prices elsewhere? A great cheat is to use the <a href="http://www.amazon.com/gp/feature.html?ie=UTF8&amp;docId=1000645111">Amazon app</a>, which uses your phone's camera to scan barcodes. It will show you the same product and its Amazon price. <a href="http://www.google.com/shopping">Google Shopping</a> is also helpful when on a computer.</p> <h2>9. Crowdsource Information</h2> <p>Learn the art of the ask. Sometimes you don't have the time or enough prior knowledge of something to Google it, and that's when asking your friends comes in. Being able to ask your social network for their expertise is clutch in this modern age.</p> <h2>10. Invest Your Own Money</h2> <p>Why hire someone to take over your money management when you can day trade and manage your investments online? If you're putting off saving for retirement, it has never been easier to start. Learn more about <a href="http://www.wisebread.com/4-cheap-easy-ways-to-invest-your-first-1000">how to start saving</a>.</p> <h2>11. Upgrade Your Email</h2> <p>Email is still a very important part of work and personal communication, but issues like cluttered inboxes, unsynced calendars, non-replies, and copious newsletters make email frustrating. There are plenty of extremely useful email plug-ins to increase your productivity!</p> <h2>12. Google Better</h2> <p>Everyone knows about using quotes and the plus and minus while searching, but did you know about the tip calculator? What about reverse image search? Polish your Google prowess with these <a href="http://www.popsugar.com/tech/Things-You-Can-Do-Google-35330843#photo-35330843">key search hacks</a> to get the results you're looking for.</p> <h2>13. Use Siri</h2> <p>&quot;Siri&quot; (or &quot;Cortana,&quot; or &quot;Google&quot;) as a tool can seem silly and time consuming, so many people don't use her. However, there are some instances in which she's indispensable, such as sending text messages and making calls in the car. There are tons of other <a href="http://www.businessinsider.com/13-cool-things-siri-can-do-for-you-2014-8?op=1">cool things Siri can do</a>, too.</p> <h2>14. Use GPS Apps</h2> <p>If you're still printing out maps before you leave the house, it's time to stop. GPS has come a long way. (Remember those old Garmin GPS machines you had to buy back in the 00s that worked poorly?) <a href="https://maps.google.com/">Google Maps</a> is the best, but <a href="https://www.waze.com/">Waze</a> is excellent for those looking to snake their way out of traffic or avoid highways. You can save locations, pre-plan trips, and add new locations with voice-control while driving.</p> <h2>15. Troubleshoot Your Wi-Fi</h2> <p>You don't need an IT person to fix your Wi-Fi. Computers have made it extra easy to troubleshoot a connection. Check your laptop's network settings and <a href="http://www.computershopper.com/feature/ten-fast-fixes-for-wi-fi-problems">troubleshoot your Wi-Fi</a> on your own. When all else fails, you can always reset your router! Another hack: many smartphones can be used as a Wi-Fi hotspot. Simply go to your phone's general settings, to networks, then tap &quot;use as hotspot&quot; and follow the password directions.</p> <p><em>What modern life skill do you think everyone should master?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-apps-for-business-owners-on-the-go">5 Apps for Business Owners on the Go</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-multipurpose-iphone-4-cases-fit-for-a-freelancer">5 Multipurpose iPhone 4 Cases Fit for a Freelancer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-back-to-school-iphone-apps">10 Back-to-School iPhone Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances">These 5 Apps Can Fix Your Finances</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity Technology apps email life skills online banking smartphones social networks Tue, 21 Apr 2015 13:00:21 +0000 Amanda Meadows 1392289 at http://www.wisebread.com Can a Robot Called Digit Really Help You Save More? http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-a-robot-called-digit-really-help-you-save-more" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/momdaughter_saving_piggy_bank_000022124763.jpg" alt="Mom and daughter putting coins in a piggy bank " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The frugal living world is full of exhortations to save more for emergencies, to save for important purchases, to save for big life goals. Along with that comes lots and lots of advice about how to trim costs, earn more, and to budget and plan. Despite all of that, Americans still don't save as much as they should &mdash; <a href="http://www.nbcnews.com/business/personal-finance/62-percent-americans-cant-cover-unexpected-expenses-bankrate-n281796">&nbsp;60% of us don't have enough set aside</a> for even <em>minor </em>emergencies like a car repair or an emergency visit to the dentist.</p> <p>So why don't we save when we know we should? Because even though it seems easy, saving money actually isn't that simple.</p> <h2>Digit Is Designed to Make Saving Easy</h2> <p><a href="https://digit.co/">Digit</a> is a free smartphone app that analyzes a connected checking account and makes periodic withdrawals to a separate, Digit-controlled savings account. The algorithm monitors spending and income habits to determine the size and frequency of the transfers. They are generally small ($15 to $20) and occur once or twice a week. Individual transfers are capped at $150.</p> <p>Most interaction with the service is via mobile text. Every morning Digit sends an account update with details about recent transactions and current balance. Users can send texts to issue commands and check balances, too. There's also a clean and simple website interface.</p> <h2>I've Saved $58.75 in Two Weeks With Digit</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Peterson_Digit_Screenshot.jpeg" width="605" height="330" alt="" /></p> <p>After I got over some squeamishness about letting a mysterious algorithm connect to my checking account and begin transferring funds, I signed up through the website (it's easy, of course) and waited for Digit to do its thing. The first transfer, for $6.50, came about a week later. A handful of transfers have followed since (they seem to come in pairs, about a week apart), and I've amassed a tidy little nest egg of $58.75. When it reaches $100, I'll transfer it back to my checking account and from there into my savings account. Woo-hoo! An extra hundred bucks in my vacation fund.</p> <h2>What I Like About Digit</h2> <p>Here's why I'll probably keep my Digit account live even after I've written this review.</p> <h3>It's Easy</h3> <p>Setting up an automatic transfer between a checking account and a savings account is easy. Digit is easier, and works alongside my current transfers to help me find extra money to put aside for whatever. Signup is quick and painless. The interface is simple, clear, and direct. The list of commands is short and to the point.</p> <h3>It Sends Me Daily Text Updates</h3> <p>I try to check in with my banking and credit accounts every couple of days to see where my money's going and to keep an eye out for mistakes or erroneous charges. Unfortunately, sometimes life happens, and I may not check in for a couple of weeks. Digit sends me an update every morning with account balance and transaction details. It doesn't seem like much, but it goes a long way toward keeping money and personal finance &quot;top-of-mind.&quot; I'm thinking more about my money, and that's good.</p> <h3>Digit's Designers Are Thinking About Psychology</h3> <p>Digit doesn't ask me how much money I would like to save &mdash; it just does it, based on my financial habits. Compare that with an automatic transfer between accounts. The user has to make the decision to save, the decision to set up the accounts, and finally the decision on the amount of money to withhold. Each of those decisions are &quot;opt-in&quot; moments, which are surprisingly difficult to overcome. The last one is especially difficult because in addition to opt-in, we have to overcome &quot;loss aversion,&quot; which is what psychologists call our reluctance to give up what we have in order to gain something else. When you set up an automatic transfer between checking and savings, you have to decide how much to give up from spending now in order to gain some savings later. That's hard.</p> <p>Digit doesn't eliminate all the &quot;opt-in&quot; obstacles (you still have to click a link and sign up, after all), but it does help us get over loss aversion. Once you're in, you're saving.</p> <h2>What I Dislike About Digit</h2> <p>Digit does a lot of things right, but not everything.</p> <h3>Digit Interacts With My Checking Account</h3> <p>It felt really weird at first to let a third-party service transfer money out of my checking account &mdash; automatically. Digit's designers have recognized that this is a tall hurdle for some people. They insist the algorithm will never cause a user's checking account to become overdrawn, and they offer an overdraft guarantee, just in case. So far, nobody's had to take them up on it.</p> <h3>My Money With Digit Doesn't Earn Any Interest</h3> <p>Funds transferred and held in Digit's savings account do not earn interest. Of course, funds in my checking account and regular bank savings account earn only paltry interest, so maybe that's a wash. In any case, this is how Digit keeps the service free and pays themselves &mdash; they are capturing the interest instead of passing it to users.</p> <p>Also, transferring money out of my Digit savings account and back to my checking account takes about a day. (Meanwhile, transfers out of my PayPal account can take up to <em>five</em>.)</p> <h3>Digit's Psychology Can Work Against Me, Too</h3> <p>Speaking of getting my money out of Digit, the process is more like transferring funds between checking and savings accounts. It's all manual, with some &quot;opt-ins&quot; and a big &quot;loss aversion&quot; moment to overcome at the end. Automatic withdrawals back to my checking account &mdash; or even my savings account &mdash; based on preset goals met would be a nice feature. Maybe they'll add that in the future.</p> <h2>A Few More Details About Digit</h2> <p>If you're considering trying out Digit, you should know a few more things. (There's lots more at<a href="https://digit.co/about/faq"> Digit's FAQ</a>.)</p> <h3>Funds Are FDIC Insured up to $250k</h3> <p>Digit holds users' money at Wells Fargo or BofI Federal Bank, both of which are FDIC insured.</p> <h3>It Works With Most US Banks and Credit Unions</h3> <p>Digit is United States only currently, and while most major banks and credit unions are covered, not all are.</p> <h3>Passwords Are Anonymized and Secure</h3> <p>Digit claims they adhere to industry standards with respect to password and user data security.</p> <h2>Signing Up for Digit</h2> <p>If you'd like to signup for Digit, you can do so, <a href="https://digit.co/">right here</a>, in just a few moments. Once you've spent some time with it come back and share your experience in comments.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lars-peterson">Lars Peterson</a> of <a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget">10 Free (or Almost!) Tools and Resources for Creating a New 2015 Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances">These 5 Apps Can Fix Your Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-easy-ways-to-save-100-this-month">16 Easy Ways to Save $100 This Month</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps behavioral economics digit reviews saving Wed, 18 Mar 2015 21:00:07 +0000 Lars Peterson 1345891 at http://www.wisebread.com Fake a Fab, Rich Lifestyle With These 7 Free Apps http://www.wisebread.com/fake-a-fab-rich-lifestyle-with-these-7-free-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/fake-a-fab-rich-lifestyle-with-these-7-free-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000047555948_Double.jpg" alt="woman smartphone city street" title="woman smartphone city street" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ever wonder what it might be like to have some extra help around the house to take care of errands and chores? What if you could afford some extra help managing your finances or keeping your New Year's resolution to get in shape and eat better? (See also: <a href="http://www.wisebread.com/16-time-and-money-saving-apps-for-freelancers?ref=seealso">16 Time and Money-Saving Apps for Freelancers</a>)</p> <p>Well, you're in luck &mdash; there are apps for that, and they're totally free.</p> <h2>1. A Driver</h2> <p>Need to go somewhere and don't want to drive? <a href="https://www.uber.com/">Uber</a> and <a href="https://www.lyft.com/">Lyft</a> will pick you up. These free apps make requesting, tracking, and paying for a car service quicker, easier, and less expensive than a cab. A few clicks on your mobile phone and you'll be cruising in style without getting behind the wheel.</p> <h2>2. A Home Security Guard</h2> <p>Wouldn't it be nice to have someone keep an eye on your place while you're away and keep you updated if any incidents happen? You don't need a home security guard. <a href="https://www.alarm.com/">Alarm.com</a> and <a href="http://www.ichano.com/">AtHome</a> offer free mobile apps that connect to your existing home security system or utilize your home webcam to alert you of any issues while you're away.</p> <h2>3. A Bookkeeper</h2> <p>Sometimes I think my paper receipts are getting together and having little baby receipts. The papers pile up, and if I let it go too long, it builds up to a scary pile. <a href="https://levelmoney.com/">Level Money</a> is a free app (and desktop application) that helps you easily keep your savings and spending on track. Unlike other options such as Neat and You Need a Budget (YNAB), Level Money has fewer frills, but is entirely free.</p> <h2>4. A Personal Shopper</h2> <p>Another chore that weighs me down is shopping. While some people love to indulge in retail therapy, I'd love to never have to go shopping again. The free app <a href="https://www.buywithfetch.com/">Fetch</a> was made for people like me &mdash; and for people who love shopping but just don't have the time in their day to do it. Snap a photo or type in an item, your Fetch personal shopper looks for the best deals around, and then you click to purchase.</p> <h2>5. A Dog Walker</h2> <p>Your pup is family. There are a variety of apps to help you keep your furry friend cared for in every way. <a href="http://dogvacay.com/">Dogvacay</a> helps you find a sitter or boarder. <a href="http://www.petmd.com/symptom-checker">PetMD Symptom Checker</a> helps you assess your dog's health and take next steps when it comes to his or her health. <a href="http://www.mapmywalk.com/">MapMyDogWalk</a> tells you how far you've walked and how many calories have been burned so you can keep your pup slim, trim, and in shape.</p> <h2>6. A Personal Trainer</h2> <p>Samsung is making huge strides in health-related apps. I've been using the free <a href="http://content.samsung.com/us/contents/aboutn/sHealthIntro.do">S Health app</a> for a year and I love it! It tracks my steps, calories burned, exercise, nutrition, weight, and sleep, and charts all of these against the goals I've set. It's easy to see how I'm doing and it gives me encouraging alerts to keep me motivated.</p> <h2>7. A Chef</h2> <p>I had to move twice in 2014, and they were both stressful events. I also had a lot going on with personal projects and my freelance career, so making time to cook healthy food at home was challenging. <a href="http://www.seamless.com/">Seamless</a> was an incredible resource for me and the food was to my door in minutes. It's easy to filter by type of cuisine, location, and price. It stores my payment information and I can add the tip, too, so I didn't have to worry about having cash on-hand either.</p> <p>While it's tempting to dream of having staff on-hand to help when life gets hectic, you already have a powerful assistant right in your pocket &mdash; your mobile device. Get these apps, do the quick setup, and you'll be on your way to living life in comfort and style.</p> <p><em>What apps and services do you use to live the lifestyle of the rich and famous?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/fake-a-fab-rich-lifestyle-with-these-7-free-apps">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps">You CAN Learn a New Language — Just Use One of These 3 Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-only-3-budgeting-apps-you-need-to-know-about">The Only 3 Budgeting Apps You Need to Know About</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar">How to Score Free Rides on Uber, Lyft, and Sidecar</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-wonderful-uses-for-witch-hazel">15 Wonderful Uses for Witch Hazel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips apps convenience household staff Wed, 11 Feb 2015 12:00:04 +0000 Christa Avampato 1288491 at http://www.wisebread.com 10 Free (or Almost!) Tools and Resources for Creating a New 2015 Budget http://www.wisebread.com/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-home-budgeting-Dollarphotoclub_36161752.jpg" alt="woman home budgeting" title="woman home budgeting" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So your spending went a little haywire during the holidays. Now is the time to get back on track with a new budget for 2015.</p> <p>These days, it's easy to track spending and set up budgets, often without the need to log in to any complicated software program.</p> <p>For those looking to do a better job of tracking spending and keeping their financial goals within reach, these tools should help you as you head into the new year.</p> <h2>1. Mint</h2> <p><a href="https://www.mint.com/">Mint</a> offers an array of tools to help with budgeting. It's possible to link all of your financial accounts, including your investments, and view them on a single platform. You can also track and categorize all transactions, and export your financial data to your TurboTax account at tax time. Best of all, you can set up an unlimited number of budgets and even establish goals to track. Mint is available online and on apps for smartphones and tablets.</p> <h2>2. Personal Capital</h2> <p>If you like Mint, you'll also like <a href="https://www.personalcapital.com/">Personal Capital</a>. Its budgeting tools are not quite as robust, but I find it's a little snappier than Mint. Personal Capital also offers financial advice and management for a fee.</p> <h2>3. Buxfer</h2> <p><a href="https://www.buxfer.com/">Buxfer</a> allows you to sync all of your accounts just like Mint and Personal Capital, but has an added feature that allows you to send money to friends and family online. It also helps you dole out shared expenses, like portions of rent or groceries, so it's perfect for young people with roommates.</p> <h2>4. BudgetPulse</h2> <p>This web-based application is a good option for those who prefer to not link all of their accounts. <a href="https://www.budgetpulse.com/">BudgetPulse</a> requires a little bit more work, because you have to enter all of your financial information manually, but it has a nice interface and some easy-to-adjust budgeting tools.</p> <h2>5. Level Money</h2> <p><a href="https://levelmoney.com/">Level Money</a> allows you to enter your income, expenses, and &quot;spendable cash&quot; and then offers a real-time picture of what you're buying and how much cash you have left. It's best feature is its simplicity.</p> <h2>6. GnuCash</h2> <p>The <a href="http://www.gnucash.org/">GnuCash</a> personal and small business accounting program has many devotees because it's free and works on almost any computer platform, including Linux. Because it's based on the double-entry accounting system, it's very robust (and sometimes confusing for those unfamiliar with double entry). Still, with it you can track bank accounts, stocks, and other financial information, and get helpful charts. It's also possible to import from software programs such as Quicken.</p> <h2>7. Spendee</h2> <p>The first step to budgeting is learning where your money is going. And that's <a href="http://www.spendeeapp.com/">Spendee</a>'s strength. It's easy to enter transactions with just a few taps on the app (iPhone and Android), and the interface is about as clean as you can get. The budgeting tools aren't as robust as other apps, but you may find it's just perfect enough for tracking spending.</p> <h2>8. HomeBudget</h2> <p>A well-reviewed app for iOs, Android, and desktop platforms, <a href="https://itunes.apple.com/us/app/homebudget-with-sync/id306257910?mt=8">HomeBudget</a> is great for couples who want to manage budgets together. The app has a slick interface and offers a syncing capability that allows more than one user to track spending and income. The downside to this app is that it costs $4.99, but many find it worth it.</p> <h2>9. Paper Envelopes</h2> <p>Yes, just a handful of plain white envelopes will help you stay on the right financial path. Fill each envelope with a specific amount of cash for certain items. Once the envelope is empty, you can't spend any more on that item. It's a simple, but effective, way to reduce your dependency on credit cards and rein in your spending.</p> <h2>10. Microsoft Excel</h2> <p>This may seem a little outdated &mdash; and it's only free if you already have MS Office installed &mdash; but it can be effective. Microsoft's spreadsheet program offers a <a href="http://office.microsoft.com/en-us/templates/simple-monthly-budget-TC103428920.aspx">simple monthly budget template</a> that allows you to compare monthly income and expenses. Sometimes simple is best.</p> <p>If truly free is your thing, you might try a <a href="https://drive.google.com/previewtemplate?id=0AqSw5UvrxNaFdFRHNFlkbzEtR2xXNWJCS0JNRTZNdEE&amp;mode=public">similar template on Sheets</a>, google's free alternative to Excel.</p> <p><em>How do you track your budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-most-valuable-thing-debt-takes-from-you-isnt-money-its-this">The Most Valuable Thing Debt Takes From You Isn&#039;t Money — It&#039;s This</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buying-shiny-new-things-without-the-guilt">Buying Shiny New Things Without The Guilt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/making-every-penny-count-with-a-zero-based-budget">Making Every Penny Count With A Zero-Based Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-cell-phone-app-thats-saving-me-a-smal-fortune">The Cell Phone App That&#039;s Saving Me A Small Fortune</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Android apps budgeting iPhone saving Mon, 05 Jan 2015 14:00:06 +0000 Tim Lemke 1275173 at http://www.wisebread.com 8 Personal Finance Moves You Can Make While Jogging http://www.wisebread.com/8-personal-finance-moves-you-can-make-while-jogging <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-personal-finance-moves-you-can-make-while-jogging" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature-man-jogging-Dollarphotoclub_74121318.jpg" alt="mature man jogging" title="mature man jogging" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Exercise is important, right? It makes us happier, healthier, and (if you're anything like me) takes everyday stress down to a manageable level. But it can also take quite a bit of time. (See also: <a href="http://www.wisebread.com/10-financial-moves-you-can-make-during-your-commute?ref=seealso">10 Financial Moves You Can Make During Your Commute</a>)</p> <p>Wouldn't it be better if you could multitask &mdash; if you could get other things done while you were out running? When it comes to personal finance, you absolutely can. Here are my top favorite things to improve my finances while I'm out on a run.</p> <h2>1. Check Your Balances</h2> <p>Every run has those annoying interruptions in their exercise. You know, traffic lights, people in your way, or maybe you just got tired and need to walk. Make sure you have your bank and credit card apps downloaded, and you can check your balances on the fly. While accessing each account can feel like an annoying drag most of the time, it's fast enough that you can easily look at one account per stop light. By the end of the run, you'll have a big-picture view of your financial situation.</p> <h2>2. Pay Your Credit Card Bill</h2> <p>As soon as I head out the door with my running shoes on, it happens: I remember things that I need to do. So many times, I realize that I need to pay a bill. Fortunately, I've had my credit cards so long that I've got all my payment information saved in my credit card apps, so it only takes a few clicks to get that bill paid. It's such a relief to get that done, and I don't have the burden of remembering it for later.</p> <h2>3. Clip Electronic Coupons</h2> <p>I love to save money, but it takes so long to clip coupons. In the last few weeks, I've started using apps instead, and they save a ton of time &mdash; in fact, you could easily find some coupons while waiting for the light to change. The right apps for you will depend on where you want to shop and what you want to buy, but it's almost always easy to navigate to the app, find coupons for items you want or need, and activate those to your account. Not sure where to start? Try <a href="http://www.retailmenot.com/mobile/">RetailMeNot</a>, <a href="https://play.google.com/store/apps/details?id=thecouponsapp.coupon">The Coupons App</a>, or <a href="http://cartwheel.target.com/">Cartwheel for Target</a>.</p> <h2>4. Budget On the Fly</h2> <p>Do you need to check your budget or major expenses? Most finance apps have some sort of budgeting tool, so you can easily make the changes you need while you're literally (and figuratively) on the run. If you're not sure where to start, <a href="https://www.mint.com/how-it-works/anywhere/">Mint</a> makes a great app that has some budgeting capability. Otherwise, check your bank and credit card apps for this feature or, if you're really serious, lay down the cash and get <a href="http://www.youneedabudget.com/features/iphone">You Need a Budget</a>.</p> <h2>5. Get Tax Advice</h2> <p>Worrying about taxes? Instead of letting the anxiety build, <a href="https://itunes.apple.com/us/app/ask-tax-preparer-tax-answers/id586582640?mt=8">search for answers</a> or ask a question via your tax app. There are versions of both the <a href="http://www.dpbolvw.net/click-2822544-11281907">TurboTax</a> and <a href="http://www.kqzyfj.com/click-2822544-10986083">H&amp;R Block</a> apps that allow you to get tax help via email (but be sure you have the app for the right year!). You can type in a quick question while you're running and maybe you'll have your answer by the time you get home.</p> <h2>6. Ponder Your Money Mindset</h2> <p>Your money mindset encompasses many things, such as what money means to you, how you like to be able to spend your money, and whether finances are a comfortable or uncomfortable topic for you. These are big questions, and you can ponder them while you run. Break it down by looking at <a href="http://www.forbes.com/sites/michaelkay/2014/04/22/deciphering-your-money-mindset/">a list of money</a> <a href="http://www.thesimpledollar.com/100-questions-to-ask-yourself-about-your-financial-mindset/">mindset questions</a> before you go out, then use your workout time to pinpoint how you think about money, what you like about that mindset, and what you'd like to change.</p> <h2>7. Organize Your Expense Report</h2> <p>Expense reports can be a huge pain, especially if you need to be reimbursed for a lot of things. An app like <a href="https://www.expensify.com/">Expensify</a> can make the whole process easier, though. Once you've got your transactions in their system, you can categorize them or make the necessary notes during pauses in your run. By the time you get home, your report will be ready to print out and turn in.</p> <h2>8. Find the Best Deal</h2> <p>There are a lot of ways to find the best deal using your smartphone, but <a href="http://www.theverge.com/2014/9/30/6873665/path-talk-lets-you-text-businesses-talkto">Path Talk</a> is one of my new favorites. It lets you text local businesses with requests for all sorts of information, like what time they open, how long their lines are, and their current prices on specific items. The amazing thing is, it usually works. Most of the time, you have a response within just a few minutes! So head out for your run with your Christmas list in tow, send a few messages while you're exercising, and determine the best deal when you get home.</p> <p>Exercise doesn't have to interfere with getting things done, at least when it comes to your finances. These quick, streamlined methods allow you to get your workout and be financially responsible, too!</p> <p><em>Do you get things done while you jog? What's your favorite quick-and-dirty personal finance move?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/8-personal-finance-moves-you-can-make-while-jogging">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-free-and-low-cost-ways-to-protect-your-credit">7 Free and Low Cost Ways To Protect Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Productivity apps fitness jogging multitask personal finance Tue, 23 Dec 2014 14:00:07 +0000 Sarah Winfrey 1271111 at http://www.wisebread.com 8 Free Apps to Boost Your Online Productivity http://www.wisebread.com/8-free-apps-to-boost-your-online-productivity <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-free-apps-to-boost-your-online-productivity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businesswoman-working-computer-474862453-small.jpg" alt="businesswoman working" title="businesswoman working" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I feel fortunate to be in my thirties. In my opinion, it's the sweet spot for all things related to technology. I'm old enough to remember life before computers took over entirely. Yet, I'm young enough to quickly adapt and learn new things that make my life happier and more productive. No matter your age, however, you could be using your computer (and time) more effectively and efficiently. (See also: <a href="http://www.wisebread.com/6-tools-that-stop-computer-distractions-and-help-you-stay-on-task?ref=seealso">6 Tools That Stop Computer Distractions and Keep You on Task</a>)</p> <p>Here are some free applications you can download today to do just that.</p> <h2>1. Inbox Tamer</h2> <p>There's no greater distraction than those little email notifications popping up at the bottom of your screen. I used to waste a lot of time checking email whenever I'd get anything new. Eventually, I tried closing the application entirely, only to find I'd forget to check and miss important messages. Well, now there's <a href="http://inboxpause.com/">Inbox Pause</a>, which delays the notifications so they won't interrupt your workflow.</p> <h2>2. Social Director</h2> <p>There are a lot of tools out there to block social media and other programs while you work, but <a href="http://getcoldturkey.com/">Cold Turkey</a> happens to be free. You can even customize the settings to block certain pages during certain activities through specific groupings. There are upgraded versions with scheduling capabilities, the power to identify certain users (for parents), etc. &mdash; but the basic version gets the job done.</p> <h2>3. Blue Light Blocker</h2> <p>I downloaded <a href="https://justgetflux.com/">f.lux</a> just last month, and I already see it's the beginning of a beautiful relationship. The software makes the colors on your screen adapt to the time of day. If it's late and nearing bedtime, it'll filter out the blue light, which can disrupt sleep patterns, and replace it with an amber glow. You can customize how little or much you want your display to shift, but I'm already falling asleep much faster after firing off articles before my head hits the pillow.</p> <h2>4. Message Wrangler</h2> <p>If you use Gmail, <a href="http://www.boomeranggmail.com/">Boomerang</a> is your new best friend. It lets you draft messages now and schedule to send later. It reminds you if you don't hear back on that important email you sent last week. And it even lets you clear out your inbox &mdash; and mind &mdash; temporarily and return the messages when you're ready to read them.</p> <h2>5. Time Tracker</h2> <p>Do you know how you're spending your time on the computer? <a href="https://www.rescuetime.com/">RescueTime</a> can make it a lot easier to track. The Lite version (it's free) enables you to record your time on websites and in different applications and set goals for yourself. The application also provides you with a weekly email report of your progress (or lack thereof).</p> <h2>6. Program Launcher</h2> <p>Have you ever wanted to open your programs with just a few keystrokes? <a href="http://www.launchy.net/">Launchy</a> lets you do just that. You'll forget about your menu, the icons cluttering your desktop, and even your file manager with this smart application. With over 120K users, I'd say it's working well for the masses.</p> <h2>7. Image Manipulator</h2> <p>Can't afford the leading image manipulation software? Try <a href="http://www.gimp.org/">GIMP</a> for your photo retouching needs. You can paint, add text, create layers, rotate, scale, and much more. This application will save you time on creating images for your presentations and give you some powerful tools for personal use as well.</p> <h2>8. Password Keeper</h2> <p>Over time, all those passwords can get quite hard generate and remember. And keeping them in a book next to your laptop isn't exactly convenient &mdash; or safe. Enter <a href="https://lastpass.com/">LastPass</a> &mdash; the last password you'll need to remember. The application manages all your login information for different sites and autofills for you. You can even streamline your online shopping experience by setting up secure payment accounts. Best of all, LastPass helps create unique passwords that follow the best security practices.</p> <p><em>What's your favorite (and free!) computer productivity hack? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/8-free-apps-to-boost-your-online-productivity">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-critical-steps-to-protect-your-data-in-the-cloud">10 Critical Steps to Protect Your Data in the Cloud</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-time-saving-tools-everyone-should-own">15 Time-Saving Tools Everyone Should Own</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-back-to-school-iphone-apps">10 Back-to-School iPhone Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity apps computers PC time savers Fri, 21 Nov 2014 19:00:09 +0000 Ashley Marcin 1257593 at http://www.wisebread.com Best Money Tips: The Technology Edition http://www.wisebread.com/best-money-tips-the-technology-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-technology-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/office-technology-144110290-small.jpg" alt="office technology" title="office technology" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's Best Money Tips Roundup! Today we are featuring some of the best articles from around the web about technology, ranging from apps to smartphones to green tech and more!</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneytalksnews.com/2014/05/05/save-thousands-by-cutting-dying-tech-from-your-life/">Save Thousands by Cutting Dying Tech from Your Life</a> &mdash; Cutting your landline and ditching cable can help you save thousands. [Money Talks News]</p> <p><a href="http://www.learnvest.com/2010/10/from-mobile-apps-to-online-storage-10-techy-ways-to-save-money/">From Mobile Apps To Online Storage: 10 Techy Ways to Save Money</a> &mdash; Using TextFree can save you money on text messages while Skype can save you money on VoIP. [Learnvest]</p> <p><a href="http://www.savvysugar.com/Online-Organization-Tools-11281762">12 Online Tools to Organize Your Life This Month</a> &mdash; Remember the Milk and Hootsuite can help you keep your life organized. [PopSugar Smart Living]</p> <p><a href="http://www.moneycrashers.com/green-energy-technologies-solutions-home-improvement/">Top 10 Green Energy Technologies &amp; Solutions for Home Improvement</a> &mdash; If you want to update your home using green energy technologies, consider solar water heaters and double window panes. [Money Crashers]</p> <p><a href="http://livingonthecheap.com/5-surprising-ways-smart-phone-can-save-money/">5 Surprising Ways Your Smartphone Can Save You Money</a> &mdash; Have you ever used your smartphone to help you pay your bills on time? [Living on the Cheap]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.kiplinger.com/slideshow/business/T059-S001-5-ways-technology-will-change-the-way-you-travel/">5 Ways Technology Will Change the Way You Travel</a> &mdash; Cars with wi-fi are now an option in certain brands of certain GMC, Cadillac, and Buick models. [Kiplinger]</p> <p><a href="http://www.creditsesame.com/blog/15-helpful-apps-single-lady-without/">15 Helpful Apps No Single Lady Should Be Without</a> &mdash; AroundMe and Lumosity are a couple great apps every single lady should have. [Credit Sesame]</p> <p><a href="http://www.fatwallet.com/blog/10-technologies-invented-less-than-10-years-ago-we-cant-imagine-going-without/">10 Technologies Invented Less Than 10 Years Ago We Can't Imagine Going Without</a> &mdash; Can you imagine living without podcasts or Kindles? [FatWallet.com]</p> <p><a href="http://parentingsquad.com/top-10-tech-safety-tips-for-parents-of-tweens-and-teens">Top 10 Tech Safety Tips for Parents of Tweens and Teens</a> &mdash; To keep your kids safe around technology, be aware of ALL the technology they are using. [Parenting Squad]</p> <p><a href="http://www.bargaineering.com/articles/done5-tips-mobile-coupons.html">5 Tips for Using Mobile Coupons</a> &mdash; When using mobile coupons, use an app that can apply multiple coupons at once. [Bargaineering]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-the-technology-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-computer-last-almost-forever-with-some-simple-tricks">Make Your Computer Last (Almost) Forever With Some Simple Tricks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-how-to-be-a-geek-goddess-win-a-copy">Book Review: How to Be a Geek Goddess (Win a Copy!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-a-laptop-computer">How to Buy a Laptop Computer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology apps best money tips cell phones computers laptops technology Mon, 21 Jul 2014 19:00:07 +0000 Ashley Jacobs 1147199 at http://www.wisebread.com 5 Apps That Pay You To Exercise http://www.wisebread.com/5-apps-that-pay-you-to-exercise <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-apps-that-pay-you-to-exercise" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/exercise-462021117-small.jpg" alt="exercise" title="exercise" class="imagecache imagecache-250w" width="250" height="161" /></a> </div> </div> </div> <p>There are lots of websites and apps out there that will help you track your eating and log your miles. However, these programs are typically the most useful for those individuals who have a great internal drive or commitment to healthy living. Or at very least, the motivation to remember to log in and stick to the plan. What about the rest of us who need a little (or a big) push? (Related: <a href="http://www.wisebread.com/8-ways-to-track-your-diet-and-fitness-for-free?ref=related">8 Ways to Track Your Diet and Fitness for Free</a>)</p> <p>Well, there are several unique apps out there that provide just that. You can enjoy anything from monetary compensation for a job well done to support for your favorite cause as the fruit of all your efforts. So, if your current health app isn't doing it for you, be sure to check out this list for some fresh ideas that have the power to propel your routine into another dimension.</p> <h2>1. PACT</h2> <p>With <a href="http://www.gym-pact.com/">PACT</a>, users make weekly healthy living goals and track their progress all for cash stakes. Those users who eat well and exercise frequently reap cash rewards paid by those members who don't meet their goals. Yes &mdash; you can lose money, which is certainly motivating to a penny pincher like me.</p> <p>Sign on to make veggie pacts, gym pacts, food log pacts, and more. Rewards generally range between $0.30 to $5 per week.</p> <p><strong>Cost</strong>: Free with exception of how much money you commit to meeting your goals.</p> <h2>2. Healthy Wage</h2> <p>If you'd like to up the stakes, try <a href="https://www.healthywage.com/">Healthy Wage</a>. Users simply log in, get a verified weigh-in, and then wager to win big cash prizes for pounds lost in the timeframe allotted. Payouts come in the form of Amazon credit or PayPal balance. Plus, you can engage in a solo journey or sign up as a team.</p> <p><strong>Cost</strong>: Free with the exception of what you wager monthly.</p> <h2>3. DietBet</h2> <p>The money pot grows as more players join up with <a href="http://www.dietbetter.com/">DietBet</a>. Over $6,761,605 has been paid out since the site's inception. That's some major cash! You can start a new game of your own or join an existing challenge to start. And the site claims that over 90% of DietBetters indeed lose weight through their extra incentive &mdash; some upwards of $1,000.</p> <p><strong>Cost</strong>: Free besides bets.</p> <h2>4. Nexercise</h2> <p>The folks at <a href="http://www.nexercise.com">Nexercise</a> believe that &quot;healthy living is a mindset that's 99% mental.&quot; I wholeheartedly agree. And what's better to entice the mind than positive reinforcement (a payout)?</p> <p>Users support one another and track activities to earn points by working out and eating well. Points can then be cashed in for credit at Amazon, CVS, and many other merchants.</p> <p><strong>Cost</strong>: Free.</p> <h2>5. Charity Miles</h2> <p>If you'd like to do some good with all your exercise, check out <a href="http://www.charitymiles.org/">Charity Miles</a>. Bikers earn 10 cents a mile and walkers and runners earn 25 cents a mile. Charities include Habitat for Humanity, Stand Up To Cancer, RED, Every Mother Counts, Pencils of Promise, Feeding America, Wounded Warrior Project, The Nature Conservancy, and more. Money is earned up to the group's initial $1,000,000 sponsorship pool.</p> <p><strong>Cost</strong>: Free.</p> <p><em>How do you stay motivated to keep up with your diet or fitness routine? Please share in comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-apps-that-pay-you-to-exercise">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-doing-these-4-exercises-your-workouts-are-worth-nothing">If You&#039;re Doing These 4 Exercises, Your Workouts Are Worth Nothing</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easy-ways-to-burn-almost-1000-extra-calories-per-day">10 Easy Ways to Burn Almost 1000 Extra Calories Per Day</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-their-bodies-do-these-12-things-do-you">People Who Love Their Bodies Do These 12 Things — Do You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-7-exercises-are-scientifically-proven-to-increase-happiness">These 7 Exercises Are Scientifically Proven to Increase Happiness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Personal Development apps diets fitness fitness trackers motivation Mon, 14 Jul 2014 11:00:05 +0000 Ashley Marcin 1157260 at http://www.wisebread.com 6 Surprising Ways Your Smartphone Can Keep You and Your Family Safe http://www.wisebread.com/6-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family-smartphone-458844997-small.jpg" alt="family smartphone" title="family smartphone" class="imagecache imagecache-250w" width="250" height="147" /></a> </div> </div> </div> <p>They used to be a luxury, but now, almost every American home has at least one smartphone. With their ability to organize and simplify so many of our daily tasks, it's no surprise that today's iPhones, Androids, and Windows-based gadgets are allowing us to be safer than ever before. Here are some of my favorite ways to use my smartphone to keep me and my six kids secure! (See also: <a href="http://www.wisebread.com/how-men-and-women-use-smartphones-differently?ref=seealso">How Men and Women Use Smartphones Differently</a>)</p> <h2>Weather Warnings</h2> <p>Last month, my property suffered damage from a tornado. Living out in the country, we have no warning sirens, so it's important that I have an alert system that stays with me and is updated in real time.</p> <p>In addition to the &quot;alert&quot; feature on my phone that is tied into my zip code and sets my phone off when a storm warning is issued for my area, I can use any number of apps to check radar and even follow the social media accounts for the meteorologists for my part of the state. This past storm, I was able to get the kids into the cellar just in time to avoid softball sized hail and an actual tornado touch-down that tore 100-year-old trees out by the roots. I was very thankful for technology!</p> <p><strong>Tip</strong>: Check your local TV station's website for a link to their specific weather app. Most will be tailored to the viewing area. The Red Cross also has an app for a <a href="http://www.redcross.org/prepare/mobile-apps">variety of environmental emergencies</a> unique to your climate and region.</p> <h2>Traffic Reports</h2> <p>I remember the days of sitting in my car at 5:01 p.m. and listening to my local AM radio station for the traffic report. While it was helpful, it was no match for the real-time reports you can get from phone apps and even the GPS service available on most phones. While using your cell phone is prohibited while driving in my jurisdictions, it's OK to have your traffic app or GPS mode running while your phone is in your seat or placed safely on the dash. Avoiding an accident isn't just a time-saver; it could be a life-saver!</p> <p><strong>Tip</strong>:The <a href="https://www.google.com/mobile/maps/">Google Maps app</a> does a pretty good job of alerting you to accidents on major highways and the interstate. If you don't have an Android phone, the <a href="http://www.mapquest.com/traffic/">Mapquest version</a> works well.</p> <h2>First Aid</h2> <p>If you are a parent, you know very well that some kids have an insane desire to put everything into their mouths. For those moments, a call to Poison Control may be advisable, and, if you plan ahead, you can program your phone to connect via a shortcut on smartphone screen.</p> <p>If the situation isn't life threatening, a quick reference to some basic first aid tips might be called for. The Red Cross makes first aid apps available for the<a href="http://www.redcross.org/mobile-apps/first-aid-app">people members</a> of your family, <a href="http://www.redcross.org/mobile-apps/pet-first-aid-app">as well as pets</a>!</p> <p><strong>Tip</strong>: While poison is serious business, sometimes a game is called for. The <a href="https://itunes.apple.com/us/app/choose-your-poison/id419949128">Name Your Poison app</a> teaches kids and parents that common poisons can easily be mistaken for safe materials &mdash; like candy.</p> <h2>Emergency Contact</h2> <p>Most of us don't carry around little cards in our wallet telling medical personnel or the police who to contact if they find us unconscious. Most of us do, however, carry around our smartphones.</p> <p>If you don't already have an &quot;emergency&quot; contact designated in your phone's contact list, do so right now. Otherwise, your phone might also have some unique features to help you in a life-threatening situation. My Samsung Galaxy, for example, will automatically connect me with my designated contact with three short pushes of the power button, and it will record sound, take photos, and send along GPS coordinates until I deactivate emergency mode. Other smartphone have similar features in their settings screen. (Consult your user's guide for more info.)</p> <p><strong>Tip</strong>: Medical professionals recommend an &quot;ICE&quot; (In Case of Emergency) contact clearly labeled on your phone, but many rumors claim that doing so leaves your phone open to viruses. <a href="http://www.snopes.com/crime/prevent/icephone.asp">Snopes clearly debunks this myth</a>.</p> <h2>Food Allergies</h2> <p>Not everyone is allergic to peanuts or pineapple, but if your kids are, it can seem like the whole world is against you. While it may be obvious to you that certain foods contain allergens, not all caregivers are savvy to the language of food labeling. Giving your kids access to information on food ingredients via a handy app empowers them to choose safe foods when they aren't obvious to everyone; <a href="https://itunes.apple.com/us/app/food-additives-2/id287917148?mt=8">Food Additives 2</a> gets good review from parents of allergy-sufferers.</p> <p><strong>Tip</strong>: Food allergies don't go away when you dine out. <a href="http://www.allergyeats.com/?gclid=CNTKvZSJ974CFSlgMgodTRYARQ">Allergy Eats mobile dining guide</a> helps you make safe decisions when on the road and at your favorite restaurant.</p> <h2>Child Location</h2> <p>If little Johnny wandered off without his phone, tracking him down may be difficult. Since most kids carry their phones with them at all times (even into the bathroom), there is a good chance you can find him with a good GPS location tool. <a href="http://www.securafone.com/subpages/securafone.php">Securafone</a> is a comprehensive tool that not only offers geographic location services, it alerts you when a child may be driving over the speed limit or texting while driving.</p> <p><strong>Tip</strong>: In the case that your child really does go missing, having a &quot;kit&quot; on hand with their info and identifying features can be the difference between finding them and not. The <a href="http://www.fbi.gov/news/stories/2011/august/child_080511/child-id-app-content">FBI offers</a> a high-tech version of the traditional &quot;ID Kit&quot; for most smartphones.</p> <p><em>Do you use any smartphone safety apps not mentioned here? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/6-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-photoshop-fixes-for-your-family-photos">7 Easy Photoshop Fixes for Your Family Photos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-terrifying-things-that-can-happen-when-someone-steals-your-phone-and-how-you-can-protect-it">11 Terrifying Things That Can Happen When Someone Steals Your Phone (And How You Can Protect It)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Technology apps first aid safety smartphone Mon, 07 Jul 2014 17:00:11 +0000 Linsey Knerl 1151053 at http://www.wisebread.com These 5 Apps Can Fix Your Finances http://www.wisebread.com/these-5-apps-can-fix-your-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-5-apps-can-fix-your-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/finance-app-160888117-small.jpg" alt="finance app" title="finance app" class="imagecache imagecache-250w" width="250" height="137" /></a> </div> </div> </div> <p>They say money has wings and that it tends to fly away before we even realize it. That's a product of the time we're living in, unfortunately. The good news, however, is that some wasteful spending can be curtailed and prevented, and a great way to do that is to use something else that's a product of our time: Smartphone apps. (See also: <a href="http://www.wisebread.com/the-i-knew-it-benefit-of-expense-tracking?ref=seealso">The &quot;I Knew It!&quot; Benefit of Expense Tracking</a>)</p> <p>Our phones do a lot of things that we don't really need on a regular basis, but one thing that they're capable of that we'd do well to take advantage of regularly is tracking our expenses. There are a lot of great apps (free and paid) that allow us to do this without having to sit down at a computer or write in a checkbook. These are the ones worth looking at.</p> <h2>1. Mint</h2> <p><a href="http://www.mint.com/how-it-works/"><img width="130" height="230" align="right" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Mint.jpeg" alt="" /></a>Mint is one of the most popular and widely used apps available for tracking spending, and it's completely free.</p> <p>The data itself is stored in a cloud account where it can be accessed by a number of different supported devices. Either your phone, Internet browsers, and even a Linux application can be used to access your data and track your spending.</p> <p><a href="https://www.mint.com/how-it-works/">It works</a> by keeping all your transactions and balances in one spot and can even pull data from your respective financial institutions.</p> <h2>2. Quicken</h2> <p><a href="http://quicken.intuit.com/personal-finance-software/quicken-mobile-app.jsp"><img width="130" height="230" align="right" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Quicken.jpeg" alt="" /></a>Originally one of the more popular desktop applications for tracking your spending, Intuit's Quicken provides a <a href="http://quicken.intuit.com/personal-finance-software/quicken-mobile-app.jsp">mobile version of their software</a> as well.</p> <p>Some of the more helpful features include the ability to snap and store receipts, syncing with the desktop application, graphical GUI with tablet versions, and secure password protection with encryption.</p> <p>The mobile app is perfect if you're already familiar with Quicken's software and would like to use your smartphone to manage it.</p> <h2>3. iSpending</h2> <p><a href="http://itunes.apple.com/us/app/ispending-expense-tracker/id484100875?mt=8"><img width="130" height="230" align="right" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/iSpending.jpeg" alt="" /></a>Graphical reports and a sleek UI give this <a href="https://itunes.apple.com/us/app/ispending-expense-tracker/id484100875?mt=8">free app</a> a lot of appeal for the more casual user.</p> <p>Though it lacks some of the features that you'll find with other apps like receipt snapping or a desktop counterpart, iSpending is ideal for someone who primarily keeps data on their phone with no need to sync with other devices.</p> <p>It handles all the basic spending and expense tracking the average person needs, including custom spending categories, summaries and adding income/expense transactions.</p> <h2>4. Visual Budget Expense Tracking and Management</h2> <p><a href="http://itunes.apple.com/us/app/visual-budget-expense-tracking/id458571562?mt=8"><img width="130" height="230" align="right" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Visual%20Budget.jpeg" alt="" /></a>Assigning budgets to individual categories, managing multiple accounts, accessing overview tools, and taking advantage of easy-to-read pie graphs can all be done with the free version of <a href="https://itunes.apple.com/us/app/visual-budget-expense-tracking/id458571562?mt=8">this awkwardly named app</a>, though it does limit you to 10 transactions per account.</p> <p>Purchasing the unlimited version is $5, which lifts the transaction limit and gives you full use of the app.</p> <p>It's also compatible with iTunes file sharing if you want to import spreadsheets.</p> <h2>5. Spending Tracker</h2> <p><a href="http://www.mhriley.com/spendingtracker/"><img width="130" height="230" align="right" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Spending%20Tracker.jpeg" alt="" />The interface</a> is pleasant, intuitive, and easy to use, offering all the essential features for tracking your spending.</p> <p>Budget mode, spending categories, and reports are all available to you without the pro upgrade, which is only $2.99 regardless.</p> <p>If you do upgrade, you'll have the app ad free and will be able to set up repeat transactions and export transactions. Otherwise, the app is completely functional without you having to pay any money.</p> <p>It's available for iOS, Android, and Windows phone.</p> <h2>Making It a Habit</h2> <p>Expense-tracking apps are valuable tools in your hand, but they'll only make a difference if you make a habit of using them. Work it into your daily routine to either download or manually input your income and expenses of the past 24 hours. (See also: <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget?ref=seealso">10 Sites and Apps That Help You Track Spending</a>)</p> <p>If you keep it up, you'll eventually be able to use reports and graphs to get a clearer picture of how you're spending your money and where you need to cut back or where you could save. It's a time commitment, for sure, but it won't get much easier than being a few swipes away in your pocket. And, let's face it, it's still easier than writing everything down in your checkbook. All hail technology!</p> <p><em>Do you have an expense-tracking app that you like to use? Has it changed the way you handle your finances? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-big-expenses-you-can-easily-get-rid-of">10 Big Expenses You Can Easily Get Rid Of</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget">10 Sites and Apps to Help You Track Your Spending and Stick to Your Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-have-an-above-average-life-for-below-average-prices">How to Have an Above-Average Life for Below-Average Prices</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Productivity Technology apps budgets expense tracker expenses spending Tue, 01 Jul 2014 13:00:03 +0000 Mikey Rox 1150925 at http://www.wisebread.com You CAN Learn a New Language — Just Use One of These 3 Apps http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-can-learn-a-new-language-just-use-one-of-these-3-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/languages-186007356.jpg" alt="languages" title="languages" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Learning a new language used to mean taking years of classes in high school. When you graduated, you knew enough Spanish, French, or German to buy a sandwich, find a bathroom, or ask if anyone speaks English &mdash; should you travel to another country. Learning a new language outside of school meant buying expensive CD sets that you listen to while you were driving or sitting around your home. You could go at your own pace but didn't have anyone to converse with or practice your new skills. (See also: <a href="http://www.wisebread.com/5-ways-to-learn-a-language?ref=seealso">5 Ways to Learn a Language</a>)</p> <p>Thanks to the growth in technology and the development of language learning apps, you can acquire new language skills in a short amount of time and from the comfort of anywhere. Great apps can range from free to a small monthly fee to the purchase of a $25 app. The best apps offer a range of features for various learning preferences. Here are three great ones to consider.</p> <h2>Duolingo</h2> <p><a href="http://www.duolingo.com">Duolingo</a> is a free app available for IOS and Android devices. It is an easy-to-use program that will leave you feeling successful after the first lesson and has been highly regarded as one of the best language learning models available. One independent research study found that Duolingo works as well as one semester of college level language classes in just 34 hours of time on the app. Imagine spending one hour a day for one month working on learning a language and acquiring the same skills you would have had you paid thousands of dollars and many weeks attending a university course! (See also: <a href="http://www.wisebread.com/learning-without-the-high-cost-of-higher-education?ref=seealso">Learning Without the High Cost of Higher Ed</a>)</p> <p>Duolingo works by asking its language learners to translate real sentences that have been uploaded to their software. Users can vote on whether translations are correct. Once a document is fully translated, the one who uploaded it pays Duolingo. This keeps it free for the language learner.</p> <p>Lessons are broken up into small chunks which offer repeated practice of the same five or six words in isolation, in phrases, and in complete sentences. It pairs audio and text to teach you the phrases and then uses your microphone to verify your pronunciation. There are a number of languages available to learn but not as many as other apps. (Available at this time are Spanish, French, German, Italian, and Portuguese.) The app has a simple layout and is easy to navigate. (A friend's child was learning Spanish within seconds of loading the app onto a phone, making it worth a download by everyone.)</p> <h2>Memrise</h2> <p>Another free app that is available on both IOS and Android devices is <a href="http://www.memrise.com">Memrise</a>. This app allows users to learn all of the languages that Duolingo does plus Russian, Japanese, Arabic, and many more. (There is a premium feature in the works that may change what is free and what is not in the future.)</p> <p>Memrise provides a combination of text, audio, and pictures to help you learn words and phrases. It offers the learner repeated exposure with the same phrase, which may or may not feel repetitive to a user. There is an option to listen to a phrase as many times as you need to hear and practice pronouncing it.</p> <p>One unique feature of Memrise is that it doesn't focus solely on language learning. You can use the lessons to learn about classical works of art, geography, science, or entertainment. Using the science behind how the brain learns, Memrise offers short, easy-to-complete lessons, repeated practice, and regular review to ensure that you have learned the information for good. It should definitely be used if you are looking to acquire a new language or learn something new about the world. (See also: <a href="http://www.wisebread.com/11-ways-to-learn-something-new-every-day?ref=seealso">Learn Something New Every Day</a>)</p> <h2>Anki</h2> <p><a href="http://ankisrs.net/index.html">Anki</a> is a free desktop program that you can download to your computer. It uses a flashcard model to help you remember languages and other information. Anki has developed software that incorporates active recall testing (asking you questions just after you learned the information rather than waiting a period of time to ask) and spaced repetition (spreading out review of the information over time). The combination of the two means you are answering questions about the information you just learned and then answering questions on that same answer over time. For example, you may be reviewing the same information every day for three days. If you get it right every time, then you will start reviewing it every week. As you continue to answer correctly, the review questions are spaced out further and further apart.</p> <p>Anki takes time to master. You are not going to be diving into lessons immediately upon download. However, there is a large community that is developing and sharing flashcards for you to use. If you are trying to learn a common language, you may be able to use a &quot;deck&quot; (what Anki calls a set of flashcards) that someone else has already developed. If you are trying to learn something rare, you may have to create your own deck, which can take a lot of time. (See also: <a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier?ref=seealso">10 Great Self-Improvement Apps</a>)</p> <p>Anki is available for use with Android devices for free, but the IOS app is $24.99. Many users find this a small price to pay for mastering a language.</p> <h2>Other Options</h2> <p>If these three apps do not meet your needs, check out <a href="http://www.lingq.com/">LingQ</a> and <a href="http://www.busuu.com/enc/">Busuu</a>. Both apps have free lessons available but require a purchase (or monthly fee) to progress beyond that. They are worth checking out if you are serious about learning a new language and don't mind investing money in the process.</p> <p>Whether you are hoping to brush up on what you learned in high school, looking to travel in the future, or need to master a new language, any of the apps mentioned here will bring you closer to your goal.</p> <p><em>Have you tried a master a new language? What worked for you?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-expanding-their-minds-do-these-13-things-do-you">People Who Love Expanding Their Minds Do These 13 Things — Do You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/change-your-life-by-learning-how-to-admit-youre-wrong">Change Your Life by Learning How to Admit You&#039;re Wrong</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/invest-your-time-in-these-13-things-while-youre-in-your-20s">Invest Your Time in These 13 Things While You&#039;re in Your 20s</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Personal Development apps language learn a language learning smartphone apps Wed, 23 Apr 2014 08:48:24 +0000 Linsey Knerl 1136592 at http://www.wisebread.com These 5 Apps Will Save You Money on Your Next Vacation http://www.wisebread.com/these-5-apps-will-save-you-money-on-your-next-vacation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-5-apps-will-save-you-money-on-your-next-vacation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/travel-175282805.jpg" alt="travelers with smartphone" title="travelers with smartphone" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>There are few modern pieces of technology that are considered as much of an everyday necessity as the smartphone. Indeed, most people are practically tethered to their mobile devices, so suggesting they leave them at home before embarking on a business trip or vacation is a laughable proposition at best. Also, smartphones often come in very handy in this department, whether it's planning the logistics of a trip or saving cash during the actual trip.</p> <p>These are some of the best tools and apps that can help those intrepid and frequent travelers pocket some much-needed extra dough. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Rewards Credit Cards</a>)</p> <h2>Currency</h2> <p>Before leaving for that trip abroad, it's vital to download a quality currency converter. Having precise exchange rates at the ready can save a traveler quite a bit. Yes, there are plenty of private exchange houses in nearly every country. However, as a rule, they offer crummy rates. And those folks who change money on the street? Don't even think about it. It's best to simply download a solid option like <a href="http://currencyapp.com/">Currency</a>, which covers over 100 countries. Of course, you can't actually exchange currency with Currency, but at least you'll know what the going rates are (or should be) when you visit a bank to change your money. Currency is available for Android, iOS, and even webOS. (See also: <a href="http://www.wisebread.com/37-hidden-travel-fees-youve-probably-paid-but-shouldnt-have?ref=seealso">37 Hidden Travel Fees</a>)</p> <h2>Kayak</h2> <p><a href="http://www.kayak.com/mobile">Kayak</a> is quickly becoming the first name in travel savings. This has to do with its mass user approval (those why try it once seem to get hooked on all the deals). On the surface, the app offers prime savings across the three standard platforms: flights, hotels, and car savings. Users can even set their own price alerts and watch as the costs of tickets and reservations go up and down on a daily basis. But where the app really shines is in the smaller details. For example, Kayak provides contact info for all major air carriers as well as airport maps. It also breaks down the hidden fees many airlines like to charge for such incidentals as baggage check and snacks. Even better? It manages and tracks all of your itinerary details. It is available for iOS, Android, Windows, and Kindle. (See also: <a href="http://www.wisebread.com/10-things-youre-paying-too-much-for-when-you-travel-and-how-to-pay-less?ref=seealso">Things You Overpay When You Travel</a>)</p> <h2>Desti</h2> <p>This iPhone app acts as a kind-of superpowered Yelp for frequent travelers. <a href="http://www.desti.com">Desti</a> touts its use of artificial intelligence to help folks narrow down their search results from thousands of places. That means users can enter just a few keywords to help them find ideal listings on amenities, rooms, and vehicle rentals. Looking for a hotel with free breakfast or discounted rooms for the night? This app can do that. (See also: <a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers?ref=seealso">25 Secrets from Frugal Frequent Travelers</a>)</p> <h2>Hotwire</h2> <p>Hotwire's business model is to fill hotel rooms before they go unsold for the night. All that's required of the app user is to input his or her city or town and a list of discounted hotel rooms will appear by price. The drawback is that it doesn't provide the names of said hotels in the list. Having said that, there is basic hotel info, like star ratings, next to the listed price per night. The <a href="http://www.hotwire.com/app">app</a> is available for iOS and Android. (See also: <a href="http://www.wisebread.com/4-powerful-smartphones-that-arent-overpriced?ref=seealso">4 Powerful Smartphones at a Reasonable Price</a>)</p> <h2>CarRentals</h2> <p>While it isn't exactly difficult to access car rental services online, <a href="http://www.carrentals.com/page/iphone">CarRentals</a> excels at consolidating all agencies into one place. Users can search options by company, price, and type of car. Probably the best part about CarRentals is that users can make their reservation right from the app, which is available for iPhone.</p> <p>By downloading one or all of these options, travelers should be able to save quite a bit of money on everything from flights and hotels to car rentals and Internet usage. And the best part is that all of the above app options are free.</p> <p><em>What apps do you rely upon when you travel? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chris-mcmurphy">Chris McMurphy</a> of <a href="http://www.wisebread.com/these-5-apps-will-save-you-money-on-your-next-vacation">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-can-learn-a-new-language-just-use-one-of-these-3-apps">You CAN Learn a New Language — Just Use One of These 3 Apps</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar">How to Score Free Rides on Uber, Lyft, and Sidecar</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-your-bank-account-can-boost-your-travel-rewards">3 Ways Your Bank Account Can Boost Your Travel Rewards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-worst-travel-values">The 7 Worst Travel Values</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel apps smartphone apps travel apps Tue, 22 Apr 2014 08:48:18 +0000 Chris McMurphy 1136433 at http://www.wisebread.com The Only 3 Budgeting Apps You Need to Know About http://www.wisebread.com/the-only-3-budgeting-apps-you-need-to-know-about <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-only-3-budgeting-apps-you-need-to-know-about" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/phone-477483519.jpg" alt="smartphone" title="smartphone" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Gone are the days when balancing a budget required pages of spreadsheets, a pencil, a calculator (and a large eraser), and a great deal of patience. Thanks to technology, budgets can be managed easily on your tablet or phone with minimal work. (See also: <a href="http://www.wisebread.com/build-a-better-budget-in-5-minutes-flat?ref=seealso">Build a Better Budget in 5 Minutes</a>)</p> <p>There are lots of budget apps available to try. Many cost nothing, most cost just a few dollars, and some can cost $50 or more. Below are three of the best budgeting apps available for both Android and iOs devices.</p> <h2>Mint</h2> <p>If you are looking for an app that has been around for awhile and has had time to get all the kinks out, then <a href="https://www.mint.com/how-it-works/">Mint</a> is the one for you. It has been available since 2007 and is now owned by Intuit. It's totally free. (See also: <a href="http://www.wisebread.com/8-cool-mint-tools-for-manaing-your-money?ref=seealso">8 Cool Mint Tools</a>)</p> <p>Mint is initially set up on a computer through their website. You will connect your bank, credit, and investment accounts there. Mint will then give you a three-month comprehensive view of your spending. It will sort spending into categories and suggest a budget for you. You will have the ability to make changes to the budget for places that you want to decrease spending and increase saving. Mint also offers advice on where you can save or improve your budget. (Here is where you will find ads that help pay for the service.)</p> <p>The mobile app, which have been voted Best Finance App in the 1st Annual App Awards and TIME Magazine's 50 Best iPhone Apps of 2011, allows you to view your finances in real-time, make changes to information, and monitor your spending from your smartphone. The app is password protected, so if your phone is ever lost or stolen, you can feel comfortable that no one can access your financial information.</p> <h2>You Need A Budget</h2> <p>Another product that has been around for a while is <a href="http://www.youneedabudget.com/features">You Need A Budget (YNAB)</a>. It costs you $60, unless you're a college student, in which case it's free. This cost will give you the desktop version of YNAB, the mobile app, and all updates for the current version of the software. Unfortunately, if the app goes into a new version (for example, YNAB 5.0), you will need to pay the $60 again. YNAB does offer a 34-day trial period to try out their software.</p> <p>YNAB has proven to be very user-friendly and helpful with managing budgets. It also educates users on four basic but essential principles. These principles are the foundation to how YNAB works. Users are taught to assign a place for every dollar, save for unexpected expenses, deal with mistakes without stress, and live on last month's income. With these principles, a budget is easy to create and allows you to know exactly how much money you have to spend. (See also: <a href="http://www.wisebread.com/evolve-your-money-management-beyond-the-budget?ref=seealso">Money Management Beyond the Budget</a>)</p> <p>The mobile app lets you to sync to your desktop software through the cloud, giving you easy access to your budget. You can enter transactions while you are on-the-go as well to keep your budget current.</p> <p>Note that YNAB does not automatically sync with your bank, credit, and investment accounts. Users have to enter transactions manually or import from their accounts. YNAB's developers insist that <a href="http://www.youneedabudget.com/support/article/will-ynab-ever-directly-connect-to-my-bank-and-download-my-transactions">manual transaction entry encourages</a> users to have a closer understanding of where their money goes. It's also a good option if you're concerned about sharing your account sign-ins and passwords with an app.</p> <h2>Level Money</h2> <p>Want to know how much money you have to spend each month after all your bills are paid for so you can plan for extras? <a href="https://levelmoney.com/">Level Money</a> will do that for you. This free app connects to your accounts, and based off the previous month's income and spending, will tell you how much money you have to spend on a daily, weekly, and monthly basis. When a transaction is updated into the system, Level Money will adjust your available amount accordingly.</p> <p>Level is great for anyone who finds themselves short on money at the end of the month due to unnecessary spending. It's easy-to-use, offers many different ways to view your money through graphs, pie charts, and graphics, and has a great, sleek look. (See also: <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget?ref=seealso">Sites and Apps That Help Track Your Spending</a>)</p> <h2>Also Worth Mentioning...</h2> <p>There is one more app that looks promising but is too new and, as of yet, does not have many reviews. <a href="https://budgetease.com/what-it-does/">Budget Ease</a> is one app that appears to be easy-to-use and effective at maintaining a budget on your mobile device. It is based on the envelope system, which categorizes all your money into envelopes.</p> <p>One great aspect of Budget Ease is the ability to send a text to their system every time you spend money. You simply type in the name of the envelope, the amount you spent, and the store, and Budget Ease will text you back with your current balance. For example, if you spent $35 for gas at Shell, you would text &quot;Gas $35 Shell.&quot; A moment later you will receive a reply telling you how much you have left in that envelope. This is a great way to keep track of your spending when you don't have access to Wi-Fi to use the app.</p> <p>Budget Ease does have a monthly fee which ranges from about $5.50 a month to $7.</p> <p>Whether you are struggling to pay off debt, trying to save for the future, or just want to know where your money goes each month, a budget is essential. These apps will help you keep your budget in place and allow you to improve your financial situation.</p> <p><em>Do you use a budgeting app? Has it helped you stay on budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/the-only-3-budgeting-apps-you-need-to-know-about">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-often-do-you-get-your-paycheck">How often do you get your paycheck?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget">10 Free (or Almost!) Tools and Resources for Creating a New 2015 Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-staying-on-budget-can-be-fun-really">9 Ways Staying on Budget Can Be Fun (Really!)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting General Tips apps budget tools budgeting financial apps Thu, 10 Apr 2014 08:36:39 +0000 Linsey Knerl 1135030 at http://www.wisebread.com