Maintaining healthy finances is never easy, and with a number of obstacles thrown in the way as well, such as unexpected bills, a payday loan for people with bad credit may seem tempting just to make ends meet. However, this form of payment is for financial emergencies only and therefore alternative finding will be needed to cover any costs that you may face over the course of the month. Here, we are going to look at a number of programs to help you manage your finances to the best of your ability to avoid overspending every month.

Mint

Mobile banking is something that is becoming more and more common in everyone’s lives and with mint, you can stay on top of all your bills and outgoing payments all in one place. You can set direct debits and another budget directly from your phone and all is organised in one place to help you keep track of your spending. With the AI and credit score built in, this app is specifically designed to help you make the most out of your spending and alert you of any strange charges coming out of your account.

Money Dashboard

Another free program to help you manage your finances is money dashboard. Once again, featuring heavily on mobile devices, this custom dashboard gives you live access to your finances showing you where your money is going almost instantly! This simple to use interface uses colours as well as charts and graphs to perfectly showcase your ingoing and outgoing finances, as well as comparing the balance from that time last month to this month. This is interesting information to have as it allows you to compare your spending habits and ensure you are spending wisely on every item that you buy.

Loot

Loot is your own personal account that allows you to have all your spending in one place with you on an online digital current account. This can be accessed both online and on desktop, allowing you to monitor your funding from anywhere – taking back control of your finances over time. You can log on and edit your budget at any time, making this perfect for those that have a lot of outgoing payments. This is particularly beneficial for a start up business as all the finances can be monitored all in one place both in and out of the office.

Official HMRC App

Although this is not directly for managing your finances, the official HMRC app allows you to manage your business finances by working out the amount of tax that you will have to pay. This is ideal for small business owners that do not have access to a specialised accountant as it will help you to work out the amount of tax by taking your annual wage yearly and using this to calculate the tax. This gets updated regularly and uses government information that is on hand to ensure that you get the most accurate results possible.

Managing your finances with one of the programs above is perfect for both an individual and a business looking to maintain a healthy level of spending. Despite each app having a completely different user interface, you are sure to find the perfect one for you whether on PC or on mobile.

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