How to Manage Your Money With a Smartphone


5 Smartphone Apps to Budget, Save or Make MoneyIf you’re not properly budgeting and managing your money, achieving financial independence can feel like a fantasy. Just looking at your bank account can be a daunting task. You’re not alone; in fact, a recent poll of over 2500 people in the United Kingdom found that as many as 25 percent of respondents did not have money saved.1

But with so many personal finance tools and apps available, there are more ways than ever to get your money in order. If you have a smartphone or access to the internet, you can use some of the best personal finance, saving, planning and money-earning tools for free. Though change doesn’t happen overnight and you likely won’t make a mountain of money just with these tools alone, these five apps can help you chip away at your debts over time.


1. Squirrel

Price:  Free for 8 weeks; £9.99 per month after trial

Access:  Web, iOS and Android


If you’re new to personal finance or have trouble making your income last until your next paycheque, Squirrel may be able to help you work out a budget. You’ll have to set up your monthly expenses and goals, but this app essentially does the budgeting work for you. When you get paid, it releases spending money to your account while paying your bills one day early and saving for your predetermined goals.


2. Money Dashboard 

Price:  Free

Access:  Web, iOS and Android


If you have multiple credit, savings or personal accounts, this personal finance tool lets you see them all in one convenient place. Money Dashboard combines information from all of your linked accounts to help you plan, budget and save for whatever your goals may be.


3. Yolt

Price:  Free

Access:  iOS and Android


Another great option for budgeting and personal finance, Yolt gives you a detailed view of your money across multiple accounts, such as current, savings, pensions and investments. This app has advanced tracking and tagging features that make setting up a budget fast and easy.



4. Shpock


Price:  Free to list items with no transaction fees

Access:  Web, iOS and Android


Shpock is a good option if you have a lot of belongings to unload, or are looking to pick up some affordable second-hand gems. From smartphones and computers to clothing and furniture, the simple, photo-based interface lets you list or browse items for sale in your geographic area.


5. Job Spotter

Price:  Free; there is no limit to the points you can earn

Access:  iOS and Android


You may not make a fortune with this app, but if you’re out on a walk and spot a job advert, this app will literally pay you to use it. Job Spotter rewards you with points for each job advert that you find that you can use to purchase gift cards.





1Elsworthy, E. (20 March 2018). One in four British adults have no savings, study finds. Retrieved 5 July 2019, from

Bonnie P


Bonnie is a Chicago transplant who's committed to seeing the world on a dime. As an avid news junkie with a fascination with finance, she loves to help others do more with less.