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In the digital age, managing personal finances has shifted from pen and paper to smartphones, with budgeting apps becoming invaluable tools for those looking to save money.

With an array of features designed to track spending, save money, and invest, these apps can provide Australians with the assistance needed to transform their financial habits.

Here are five budgeting apps that could change the way you manage your savings.

5 budgeting apps that will transform your savings

1. Pocketbook

Pocketbook is an Australian budgeting app that simplifies personal finance. Designed to be user-friendly, it securely syncs with your Australian bank accounts to automatically categorise transactions, helping you to see where your money is going and identify areas to save.

Features:

• Automatic categorisation of spending
• Bills and income tracking
• Safe spending limits to help with savings goals

Pocketbook also generates monthly reports, giving you a clear overview of your financial activity, which can be a game changer for your savings regimen.

2. MoneyBrilliant

MoneyBrilliant is like having a personal financial advisor in your pocket. It goes beyond budgeting to provide insights into all aspects of your financial life, from superannuation to insurance, helping you make more informed decisions about your money.

Features:

• Comprehensive overview of finances
• Tax deduction tracking
• Advanced insights on spending habits

The app also offers a ‘Bill Watch’ feature, which monitors your recurring expenses and suggests ways to cut down on them, potentially boosting your savings significantly.

3. Goodbudget

Goodbudget is based on the envelope system where you allocate your income to different spending categories (envelopes). It’s a great tool for those who like to be proactive with their budgeting, as it encourages you to set aside money for specific purposes.

Features:

• Envelope budgeting method
• Sync and share budgets across multiple devices
• Expense tracking and historical reports

This method ensures you have money allocated for your savings goals, making it easier to resist the temptation to overspend.

4. YNAB (You Need A Budget)

YNAB is a popular budgeting app internationally and is perfect for Australians who want a robust tool to help them live within their means. The app’s philosophy is built around giving every dollar a job, ensuring that you’re intentional about every dollar you earn.

Features:

• Personalised budgeting methodology
• Goal tracking
• Detailed reporting and personal support

YNAB’s proactive approach to budgeting ensures that users are constantly thinking about their financial priorities, which can lead to more effective savings strategies.

5. Frollo

Frollo is an Australian fintech company that offers a budgeting app designed to make personal finance management simple and rewarding. It features a user-friendly interface and a community aspect that makes the journey towards savings goals a shared experience.

Features:

• User-friendly interface with financial wellness score
• Community challenges to improve financial health
• Bill comparison tool

The app’s bill comparison tool is particularly useful, helping users find better deals on their regular expenses, leaving more room for savings.

---

Budgeting apps are more than just digital ledgers. They’re comprehensive tools that can significantly improve your financial literacy and discipline.

By providing insights into spending patterns and helping to automate the savings process, they offer a modern solution to the age-old problem of how to save more effectively.

Each app listed here offers unique features, but all are geared towards helping you take control of your finances. With any of these options, the power to transform your savings is at your fingertips – quite literally.

Remember, the best budgeting app is one that aligns with your personal financial goals and habits, so choose the one that fits you best, and start your journey to financial empowerment today.

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• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(5191) "

In the digital age, managing personal finances has shifted from pen and paper to smartphones, with budgeting apps becoming invaluable tools for those looking to save money.

With an array of features designed to track spending, save money, and invest, these apps can provide Australians with the assistance needed to transform their financial habits.

Here are five budgeting apps that could change the way you manage your savings.

5 budgeting apps that will transform your savings

1. Pocketbook

Pocketbook is an Australian budgeting app that simplifies personal finance. Designed to be user-friendly, it securely syncs with your Australian bank accounts to automatically categorise transactions, helping you to see where your money is going and identify areas to save.

Features:

• Automatic categorisation of spending
• Bills and income tracking
• Safe spending limits to help with savings goals

Pocketbook also generates monthly reports, giving you a clear overview of your financial activity, which can be a game changer for your savings regimen.

2. MoneyBrilliant

MoneyBrilliant is like having a personal financial advisor in your pocket. It goes beyond budgeting to provide insights into all aspects of your financial life, from superannuation to insurance, helping you make more informed decisions about your money.

Features:

• Comprehensive overview of finances
• Tax deduction tracking
• Advanced insights on spending habits

The app also offers a ‘Bill Watch’ feature, which monitors your recurring expenses and suggests ways to cut down on them, potentially boosting your savings significantly.

3. Goodbudget

Goodbudget is based on the envelope system where you allocate your income to different spending categories (envelopes). It’s a great tool for those who like to be proactive with their budgeting, as it encourages you to set aside money for specific purposes.

Features:

• Envelope budgeting method
• Sync and share budgets across multiple devices
• Expense tracking and historical reports

This method ensures you have money allocated for your savings goals, making it easier to resist the temptation to overspend.

4. YNAB (You Need A Budget)

YNAB is a popular budgeting app internationally and is perfect for Australians who want a robust tool to help them live within their means. The app’s philosophy is built around giving every dollar a job, ensuring that you’re intentional about every dollar you earn.

Features:

• Personalised budgeting methodology
• Goal tracking
• Detailed reporting and personal support

YNAB’s proactive approach to budgeting ensures that users are constantly thinking about their financial priorities, which can lead to more effective savings strategies.

5. Frollo

Frollo is an Australian fintech company that offers a budgeting app designed to make personal finance management simple and rewarding. It features a user-friendly interface and a community aspect that makes the journey towards savings goals a shared experience.

Features:

• User-friendly interface with financial wellness score
• Community challenges to improve financial health
• Bill comparison tool

The app’s bill comparison tool is particularly useful, helping users find better deals on their regular expenses, leaving more room for savings.

---

Budgeting apps are more than just digital ledgers. They’re comprehensive tools that can significantly improve your financial literacy and discipline.

By providing insights into spending patterns and helping to automate the savings process, they offer a modern solution to the age-old problem of how to save more effectively.

Each app listed here offers unique features, but all are geared towards helping you take control of your finances. With any of these options, the power to transform your savings is at your fingertips – quite literally.

Remember, the best budgeting app is one that aligns with your personal financial goals and habits, so choose the one that fits you best, and start your journey to financial empowerment today.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(75) "/save-money/how-to-budget/5-budgeting-apps-that-will-transform-your-savings" ["image"]=> string(141) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701070447/5_budgeting_apps_that_will_transform_your_savings_ej1xn9.png" ["image_alt"]=> string(0) "" } [1]=> object(stdClass)#8579 (57) { ["id"]=> int(18206) ["title"]=> string(59) "Handy tips to send your money worries to the chopping block" ["alias"]=> string(59) "handy-tips-to-send-your-money-worries-to-the-chopping-block" ["introtext"]=> string(200) "

Sorting out your finances can be easier said than done, especially in the aftermath of the short Easter break when distractions are unrelenting and stress levels are worked up at fever pitch.

" ["fulltext"]=> string(4112) "

But according to an expert from one of Australia’s leading accounting associations, Chartered Accountants (CA), people who have hoarded a sizable chunk of coin during the height of the COVID-19 lockdowns are well insulated from further potential unforeseen economic catastrophes.

It may come as a shock to those who are well aware that those pent-up savings might have meant bad news for many frontline industry sectors like retail, hospitality and tourism, whose dependence on people casually burning their disposable income on their products and services is critical to their survival.

But CA ANZ financial advice leader Bronny Speed feels there’s a silver lining for committed savers, and there’s no time like the present to create a robust plan that cushions people’s delicate nest eggs in potential times of financial strife.

The Commonwealth Bank has estimated that Australians collectively netted a handsome total of $250 billion in personal savings – and about six million Australians got a further one-off $250 tax-free payment in the budget as well.

But Ms Speed warned that with cost of living starting to bite, expected interest rate hikes and other financial clouds on the horizon, “Easter is a perfect time to take stock”.

“While the past two years have been incredibly challenging from a health and welfare perspective, others were fortunate enough to build a savings war chest or pay down their mortgage,” Ms Speed said.

To combat the big problems that Australians have with mortgages, rent, depreciating assets and the risk of having to budget for bills that may ultimately result in cuts to other household essentials, Ms Speed has offered a handy checklist of six tips that can potentially help savers navigate the hazardous terrain that may yet lie ahead.

The first includes a firm warning not to waste your savings on depreciating assets, like a car.

“Easter often throws up temptations – usually of the chocolate variety – and it can be the same when you have a nice pot of money sitting there, to purchase something flashy,” Ms Speed said.

“But cars are often money pits, especially the luxury ones, so think carefully before using your nest egg to buy a new set of wheels. Think about how you can get your nest egg to work for you, rather than burn a hole in your pocket.”

Her next salient advice is to use some of that extra cash lying around to pay off some debt.

“Australia still has high household debt on an international scale so a good place to use some of your nest egg would be to pay down mortgages, investor debt, personal debt, student debt and credit card debt,” Ms Speed said.

She also feels it’s worth thinking about using any surplus funds to bring debt under control, and initially focus on small debts and ones with higher interest rates, especially as they tend to sting the most.

Another important piece of advice from Ms Speed is to top-up super, especially as many people decided to make significant withdrawals from their super accounts when the federal government opened the floodgates in the early time of the pandemic in 2020.

Another tip from Ms Speed is to practice good saving habits, which she feels got a good headstart during the pandemic because lockdowns “provided a once-in-a-generation savings lifeline”.

She cites the small things to be a good saver, like borrowing power tools from friends, neighbours or local neighbourhood ‘tool libraries’ instead of buying them from the hardware shop.

Although it might be tempting to head out for an overseas trip to unwind, Ms Speed warned to hold off on “luxurious” holidays for now, especially given how inflated travel prices are right now.

And finally, she recommends seeking advice from an accountant to better protect the liquid and illiquid assets, which require a dose of effective know-how in balancing the books and ensures people are well prepared for potential future challenges to their personal finances.

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• Yes

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Sorting out your finances can be easier said than done, especially in the aftermath of the short Easter break when distractions are unrelenting and stress levels are worked up at fever pitch.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9091 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8780 (3) { ["data":protected]=> object(stdClass)#8596 (1) { ["options"]=> object(stdClass)#8598 (2) { ["options0"]=> object(stdClass)#8599 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8597 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8779 (3) { ["data":protected]=> object(stdClass)#8594 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(85) "/save-money/how-to-budget/handy-tips-to-send-your-money-worries-to-the-chopping-block" ["image"]=> string(48) "images/article-826x550/man-counting-money-ne.jpg" ["image_alt"]=> string(10) "Handy tips" } [2]=> object(stdClass)#8578 (57) { ["id"]=> int(17372) ["title"]=> string(41) "6 ways to clean up your personal finances" ["alias"]=> string(41) "6-ways-to-clean-up-your-personal-finances" ["introtext"]=> string(142) "

Bringing your spending under control can sometimes feel daunting. Here are some ways to start.

" ["fulltext"]=> string(4488) "

More than a few titans of the finance world have suggested that earning money isn’t the hard part. Keeping it is.

Speaking to nestegg, 86 400 CFO Belinda Hogan shared a few tips for those looking to spring-clean their personal finances.

To start with, she recommended those looking to declutter and organise their expenses do a regular assessment of just where their money is going.

“You may have a firm understanding on when your regular bills are due, but since the pandemic, your expenses may have changed,” she said.

For example, Ms Hogan noted that working from home has meant less monthly spending on things like public transport or petrol costs.

“Whatever the case may be, re-examine your expenses by listing them from biggest to smallest. Once you’ve mapped this out, it will be easy to identify where you need to cut back, or where you’re actually saving,” she said.

After you’ve identified just where your money is going, Ms Hogan said that the natural next step is to dive a little deeper into them.

“This might sound basic, but when was the last time you sat down and made a budget or perhaps reviewed your current one? Now is the perfect time to reassess where you’re spending and what you can save on,” she said.

According to Ms Hogan, the bigger items at the top of your expense list are usually the hardest ones to eliminate. That being said, you can usually squeeze a little of savings out of each if you’re smart. Over time and added together, those small savings can add up.

“To bag those extra hip-pocket savings, reach out to your provider and ask them if you’re getting the best deal available to you,” she said.

For those who manage a “maze” of bank accounts, keeping track of your spending and saving can be especially hard. Trying to untangle your finances manually can be downright nightmarish at times, Ms Hogan admitted.

“The reality is many Aussies find this method overwhelming and off-putting,” she said.

As a shortcut to avoiding this, Ms Hogan recommended using a smart search app or tool.

Following the launch of open banking in Australia, numerous banks and budgeting apps now offer this functionality, which can make keeping track of your spending across multiple accounts a little easier.

While some expenses have gone down in lockdown, Ms Hogan noted that others have gone up. If you’re looking to rein in on your spending post-lockdown, she said that streaming services like Netflix are a good place to start.

On that note, she added that unsubscribing from marketing emails can be another less-obvious way to reduce your spending.

“It’s easier to not be tempted to buy another pair of yoga tights you don’t need if you don’t see that your favourite brand is 30 per cent off to begin with,” she said.

Ms Hogan’s final tip is one that many consumers fail to consider: super.

While superannuation is something many Australians prefer to set and forget, Ms Hogan said that it can pay to pay closer attention to it.

“Most Aussies don’t have regular visibility of their super and are blind to how much they have sitting in their accounts, the fees and insurance they’re paying, and how it’s performing,” she explained.

Pointing to the Australian Taxation Office’s recently released Your Future comparison tool, she recommended consumers make time for a deep dive to see where they can save money with their super fund.

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Bringing your spending under control can sometimes feel daunting. Here are some ways to start.

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Start the new year on a high note by stepping away from bad financial habits. 

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If your finances are a mess, maybe it’s time to consider hacking them back in shape.

Speaking to nestegg, Wealth Within chief analyst Dale Gillham said that it’s easy to fall into the same old traps when it comes to managing your money.

Fortunately, the start of the new year can be a rich opportunity to break bad habits when it comes to your financial wellbeing.

His first tip? Pay yourself first.

“We work hard for our money, so why do we fall into the trap of paying everyone else first and then live off what is left in our bank account. Managing money this way means you are putting yourself last and living the cycle of the broke where you go from pay to pay,” he said.

To break free of this cycle, Mr Gillham recommended placing at least 10 per cent of any money you earn straight into your savings before paying any bills or other expenses.

His second tip is to make spending less than you earn a habit rather than a happenstance.

“After you have paid yourself, your aim is to end the week with money left in your bank account, if you do that, then you can move that extra into your savings so it can compound faster,” he explained.

Now that you’ve gotten the hang of being smarter about saving money, Mr Gillham recommended consumers begin to think about investing.

Regardless of whether you choose to stock up on a wide range of different shares or a handful, Mr Gillham said that the more valuable thing is that you’re building your portfolio at all.

“It is not how much you start with that is important, rather it is important you start,” he said.

Once you’re regularly saving and investing, Mr Gillham recommended cracking down on credit cards and other debts.

Even if they seem like manageable expenses month-to-month, they can hold you back when it comes to saving and investing over the long term.

Mr Gillham’s final tip is to remain vigilant of loyalty taxes.

“Hack number five is to shop around for better deals on all of your regular expenses, the money you save is better off in your investment account. The more you put into this account, the quicker you will become financially independent,” he explained. 

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Start the new year on a high note by stepping away from bad financial habits. 

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Stopping yourself from going overboard ahead of Christmas might be easier than you think. 

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Committing to being smarter about your money can be a new year’s resolution that pays for itself, but it can be hard to make a start during the holiday season itself.

Speaking to nestegg, Wealth Within chief analyst Dale Gillham said that the lead-up to Christmas often makes it easier to lose control of your finances.

“We all get stuck in traps this time of year that cause us to overspend, like feeling obligated to buy presents for others,” he said.

“Now I am not suggesting you forget your spouse or mother, but often we feel pressure to spend on gifts that others really don’t need or want, so why do it.” 

Mr Gillham made the case that, when it comes to gifts, less can sometimes be more.

“Often a handwritten note or card is far better as it says what you feel and does not cost you much,” he said.

Another trick for those looking to avoid overspending is to start your shopping process by putting a number on the most you’re willing to spend for each individual on your Christmas list.

“This will help you avoid that impulse to overspend because you will not just look for a present the recipient will love, but rather you will focus your attention on presents they will love in the price range you set,” he said.

It can also pay to prepare when it comes to your seasonal shopping.

Rather than wander around a shopping centre until you find what you’re looking for, Mr Gillham advocated for an approach that he called destination shopping.

“Let your fingers do the shopping online, then write down exactly what stores you need to go to, the price of everything you want, then go to the shops with one purpose and that is to get out with everything on your list as fast as you can.

“Doing this means you will not suffer bill shock when you get your credit card statement in January, and more importantly you will not be working the next three months just to pay off the extra you spent,” he explained.

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Stopping yourself from going overboard ahead of Christmas might be easier than you think. 

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The return of international travel may mean hard lessons for those who aren’t sticking to good financial habits.

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With the reopening of international borders, many Australians have started thinking about travel again.

However, personal finance expert Christopher Zinn told nestegg that there are a few budgeting habits that Australians may need to relearn before they go anywhere.

To begin with, he recommended that those looking to travel abroad begin preparing by getting a better sense of their expenses over the course of a year.

Learning to see where your potential savings opportunities lie can often be a necessary first step towards taking advantage of them.

“Set aside some money from each payslip for the significant outgoings, including your travel ones,” he said.

If possible, would-be travellers may even want to consider opening a dedicated account for them.

“The advantage here is that you won’t have to scramble to find the money for your next holiday – it will be sitting right there in your holiday’s account, ready to be accessed when you need it,” Mr Zinn explained.

Beyond your annual expenses, it may also be worth looking at how much you’ve spent on previous trips abroad.

While such an undertaking can feel daunting for those who typically don’t spend that much time budgeting, it can help you identify what expenses didn’t give you value or areas you could have spent less.

“An annual plan makes you feel in control before, during and after the trip. Feeling you’re not making any real sacrifice, you’ll enjoy your holiday even more,” Mr Zinn said.

Smart travellers will also want to keep a close eye on official government warnings, restrictions and regulations first, before and even during your trip.

“The rules change fast, and apart from feeling ‘safe’, you do not want to face avoidable costs, delays and uncertainty,” Mr Zinn said.

He recommended regularly checking in with the federal government’s smart traveller and doing your research when it comes to travel insurance.

“Some travel insurers now offer limited cover for COVID-19 if you, or someone you’re traveling with, tests positive to the virus. But there are several restrictions you need to consider, including if the country you’re traveling to is on the list of the government travel bans,” he added. 

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The return of international travel may mean hard lessons for those who aren’t sticking to good financial habits.

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string(0) "" } [4]=> object(stdClass)#9134 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8763 (3) { ["data":protected]=> object(stdClass)#8761 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8762 (3) { ["data":protected]=> object(stdClass)#8790 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" 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["data":protected]=> object(stdClass)#8809 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(76) "/save-money/how-to-budget/budgeting-habits-to-re-learn-as-the-borders-reopen" ["image"]=> string(46) "images/article-826x550/travel-world-map-ne.jpg" ["image_alt"]=> string(16) "Budgeting habits" } }