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The Best Ereader Review (2020)


An ereader is an electronic device designed specifically for reading. They are often small and easily held in one hand, but large enough to comfortably display a book’s page.

You want an ereader because they are usually made with a special screen designed for reading and easing eye strain. Reading on a regular screen will wear out your eyes faster, but ereader screens don’t have the same amount of light coming off of them.


Ereaders are also able to hold the digital copies of many books on one single device. Now you can fit your entire library of books on one device and take all your books with you anywhere.


When picking the perfect ereader, there are a few things to consider. For instance, what type of screen do you want? Do you want a tablet type device with an ordinary screen so you can do more than read on your device? Or do you want a reading-friendly screen and a device that focuses on being a great reading device?


Some ereaders also come with a built-in light so you can read in the dark without problems. Other ereaders are even waterproof in case you want to take your ereader to the beach or the bathtub.


This article will help you learn more about the most popular ereaders and the features you do and don’t want in the ereader you pick.


But you also don’t have to buy an ereader to start enjoying your digital library right now!


With the Kindle and Google Play Books apps you can download digital books and start reading on any device.


Kindle Ereader

Kindle ereaders come in various shapes, sizes, and colors.


And this selection is only expanding.


The newest Kindle ereader editions are even waterproof!


The first Amazon Kindle ereader was launched in 2007 and has only been improving ever since.


Kindle ereaders also come with an endless array of accessories from covers to tote bags to inspire the booklover within.


The Kindle


Price: $89.99 to $109.99


The basic Kindle ereader comes in both black and white. This is the best ereader for basic readers.


When you buy your first Kindle you can also purchase it with 3 free months of Kindle Unlimited.


It has built-in reading lights so you won’t ever lack proper lighting to read by.


The screen of the Kindle is made of a glare-free display, that has a 167 ppi. This means the Kindle screen isn’t like a typical phone or tablet screen. It looks and reads like real paper instead.


This is great for your eyes. You’ll get less eye strain with these paper-like, glare-free screens.


You can also highlight and leave notes on Kindles. You can also click words on the page to see their definitions. This gives you a rounded and personalized reading experience. Annotation features like this are also useful for student and book club reading.


Not only do you get all that, but the charge on an Amazon Kindle can last you for weeks.


The Kindle Paperwhite


Price: $129.99 to $179.99


The Kindle Paperwhite is even more lightweight than the regular Kindle. This makes it great for readers who want a light device to easily carry around wherever they go.


The newest Kindle Paperwhites are also waterproof now!


You can choose between 8 gigabytes and 32 gigabytes of storage.


It also comes in more colors, like black, plum, sage, and twilight blue.


Like with all the Kindle ereaders, a purchase can get you 3 months of free Kindle Unlimited if you so choose.


The wonderful thing about the Kindle is not only how much it can hold, but all the content types available in Kindle format.


You can find and read books, magazines, comics, and even listen to audiobooks.


Pair your Kindle Paperwhite with some bluetooth headphones or even speakers to listen to your audiobooks!


The Kindle Oasis


Price: $249.99 to $299.99


The Kindle Oasis is a little bit bigger than the other Kindle versions. It also has some real buttons instead of being only touch screen.


So if you get annoyed by accidentally pressing the touch screen and flipping the pages accidentally, then you might want the Kindle Oasis model.


The added space for the buttons are on the side of the device. This also gives you more surface area for holding onto your ereader comfortably.


Kindles make great ereaders because they are affordable, have trade-in options, and there are Kindle editions of every book you could ever want.


NOOK Ereader

The first NOOK ereader was launched a little while after the Amazon Kindle ereader. The NOOK ereader was launched onto the market in 2009.


The NOOK ereader also comes with some nifty accessories of it’s own, so you can feel like you’re carrying around a real book.


The NOOK was also created by book retailers, so you know avid readers are behind it’s design.


The NOOK GlowLight Plus


Price: $169.99


The NOOK GlowLight Plus has a classic night mode. So instead of turning on an internal light on the device, like with Kindle, you can switch on night mode for calmer night reading.


This NOOK is also waterproof so you don’t have to stress too much about protecting your device from the wet.


NOOK also comes with a nifty reading app, so you can pick up where you left off on your phone or tablet too.


You can also get a one year warranty with your purchase to further protect your device usage in the first year.


The NOOK devices are also backed up by Barnes and Noble, one of the biggest bookstores around.


The NOOK GlowLight 3


Price: $119.99

The NOOK GlowLight 3 is another NOOK version available right now.


Kind of like the Kindle Oasis, this version comes with side buttons for turning the pages.


Unlike the Kindle Oasis, these buttons are on both sides of the device. So if you’re left handed, you don’t have to worry about the page buttons only being on the right side.


You can also buy refurbished versions of the NOOK with some great discounts!


Kobo Ereader

The Kobo ereader might not be as well-known as the NOOK and the Kindle, but it’s a strong contender for best ereader.


The name “Kobo” in fact, is an anagram of the word “book.” This means they just moved the letters in the word “book” around a bit to create the name of this ereader.


The Kobo ereader came into being even later, in the year 2010.


It is meant to be a minimalist alternative to other ereaders that are often more expensive with features you don’t need.


The Kobo Forma


Price: $249.99 to $299.99

The Kobo Forma is an innovative reading device with a side panel for page turning buttons.


This side panel also makes it easier to hold and handle.


What’s unique about the Kobo Forma is that you can read it both vertically and horizontally. That’s right, the Kobo Forma has a landscape mode and a portrait mode!


They also have a book borrowing feature that allows you to share books with friends.


The Kobo Forma design is also lightweight, with a slight curve to make this ereader as ergonomic as possible.


You can even take the Kobo Forma swimming with you since it’s waterproof for up to 60 minutes in 2 meters of water.


The Kobo Libra H2O


Price: $169.99


As far as design goes, the Kobo Libra H2O is very similar to the Kobo Forma.


It has the same side panel with page turning buttons and portrait and landscape modes. It even has the same waterproof capabilities.


But it’s a bit smaller and lighter than the Kobo Forma.


That smaller, more compact size comes at a bit of a price though. The Kobo Libra only has 8 GB of storage while the Forma can have up to 32 GB.


Other than that, the Forma and Libra H2O are very similar. But if you want something smaller, more compact and half the price, then you should pick the Libra H2O over the Forma.


The Kobo Clara HD


Price: $119.99


The Kobo Clara HD is formatted more like the regular NOOK and Kindle.


It doesn’t have the added side panel or the page turning buttons. It’s a simple, compact design that is easy to carry with you wherever you go.


On the Kobo Clara HD you can enjoy a beautifully crisp, high resolution screen.


It also has lighting perfect for reading with the ComfortLight Pro. This light reduces your blue-light exposure so your eyes don’t get as strained.


The Kobo Nia


Price: $99.99


The most affordable Kobo ereader is the Kobo Nia.


The Kobo Nia has a very classic ereader look. It also comes with all the classic ereader features but at a reasonable price.


If you don’t need the extra frills of 32 GB storage and page button panels, then the Kobo Nia is just right for you.


Boox Ereader

The Boox ereader is produced by Onyx International Inc.

But Onyx Boox likes to take things further with electronic paper technology.


Electronic paper is a screen that looks like paper. So it’s free from the screen glare of ordinary screens.


This means that Boox ereaders and other devices are also free from intense screen lights that strain the eyes.


With a Boox ereader, you can get a working tablet for drawing and note taking on a screen that feels like real paper.


The Onyx Boox


Price: $165 to $779


Onyx Boox is an international brand that offers the most wide array of ereaders. At Onyx Boox you’ll find a very wide selection of e-ink or e-paper devices to choose from.


So if you’re extremely picky about the technology use, and you want all the choices possible, try shopping for an ereader with Onyx Boox.


They have lots of different models, so if you want lots of feature options, this brand is the way to go.


Reading also isn’t all you can do with an Onyx Boox device. Onyx Boox takes e-paper electronics to a whole new level.


With select devices you can even write, draw, and take notes on e-ink paper that feels like real paper!


Start exploring their wide selection today and get an innovative ereader and e-paper tablet in one.


Bigger Screens Premium Readers Classic 6 Inch Device
MAX 3 Monte Cristo 5 Livingstone
Nova 2 Poke 2 Volta
Kon-Tiki Darwin 7
Note 2 Caesar 4
Gulliver (Note)


Ereading Worksheets

Reading worksheets can help your reading comprehension go from average to professional.


Reading worksheets can also help guide discussions for your book club reading.


You can find free ereading worksheets all over the internet, but here are a few ereading worksheet websites to get you started.


Download free ereading worksheets at:


In Conclusion,

Get the Amazon Kindles if you want to link your ereader to your Amazon account, your Kindle Unlimited account, and your Audible account. The Kindles also come with built-in, adjustable reading lights, so it feels like you’re literally reading off a regular page.


Get the NOOK if you want a classic Night Mode for nighttime reading. The NOOK also allows you to access more file types like PDFs. the NOOK GlowLight 3 is also a great option for people who are left handed and want page turning buttons on either side of their device.


Get a Kobo ereader if you want both portrait mode and landscape mode capabilities. The Kobo ereaders also has a more ergonomic shape for as a handheld ereader.


Finally, get an Onyx Boox if you want a tablet that has the e-ink an e-paper screen. you’ll probably end up paying some of the highest prices but it’ll be worth it if you want one of the most innovative electronic paper tablets on the market.


The Best Investment Apps

investment apps to use

Investing is a great way to take your finances from mediocre to professional.


You might have never invested before because it seems like a big complicated hassle. But it’s not!


Investing is a way to make your money grow. You can also use investments to help you fast track savings for important things in life like retirement, a home, to guard you against inflation, or to start your own business.


With an investment app, you can start investing today, in small amounts, all from your phone.


What is Investing?


Investing is when you put money into something that can return even more money to you sometime later in the future.


You might put money into a business, a project, real estate, or in stocks. The purpose of these investments is to grow your initial monetary investment into a profit later on.


Why Should You Invest?


It’s important to have a diverse financial portfolio. A diverse financial portfolio means having a healthy savings account, an emergency fund, assets, and investments.


This gives you multiple sources of income, future capital, and emergency capital. Investing can grow your wealth and help prepare you for future expenses.


Best Investment Apps for Beginners


Not all investment apps are created equal.


Some are great for beginners while others are great for investors who are already professional.


Many beginners to investing should try any of the micro investing apps because they usually have little to no fees and allow beginners to start small.


Another great option for beginner investors is to see if the financial provider you already use has any investing options.


Many financial institutions have investment accounts and even apps you can use to easily manage your bank account right alongside your investment accounts.


Here’s a list of some other investment apps that are great for beginner investors:

  • Acorn Investment App
  • Robinhood Investment App
  • Stash Investment App
  • M1 Finance Investment App
  • Betterment Investment App


Micro Investing Apps


Micro investing is just what is sounds like. Instead of investing large amounts of funds you invest small amounts of money.


Many investing accounts have minimum amount requirements and service fees that are too high for the average person.


Not everyone is able to put down $1,000+ on an investment right now, especially if you’re like the 59% of Americans who live paycheck to paycheck.


But with micro investing, you can invest just a little. If you have even a few cents to spare, you can invest what you can and start building this part of your financial portfolio.


Below are some apps you can download today to start investing your spare change.

  • Acorns Investing App
  • Stash Invest App
  • WiseBanyan Investment App


These apps like Acorns, Stash, and Robinhood might suit your specific purposes.


This is why it’s important to sit down and consider what your goals are before you invest. Then you can enact a strategic plan for your investments.


Don’t go into investing alone.


Bring the proper tools with you by researching and committing to one of the best investment apps.


Free Investing App


Some investment apps come with management fees.


These are because professionals are helping you handle your financial portfolio through the app. But there are some free investment apps too.


Below are just a few examples of some free investing apps you could jump on and start using today!

  • Personal Capital
  • Betterment
  • Acorns
  • WeBull
  • Robinhood
  • Ally Invest
  • M1 Finance
  • Fundrise


Best Stock Investing Apps


Each investment app comes with its own features. So some investing apps are better for stock investing, free investing apps, and micro investing apps.


The best stock investing apps will help you buy, sell, and trade stocks from your phone. Some great stock investing apps include:

  • TD Ameritrade
  • Fidelity
  • Webull
  • SoFi
  • tastyworks
  • Ally


Best Real Estate Investing Apps


Real estate is its own sector of investing. The market has different rules and guidelines to follow when investing in properties.


Real estate investing can also be a really popular way to invest all while getting into the real estate business.


When investing in real estate though, you don’t just need a place to keep and manage your brokerage accounts.


You also need apps like Zillow to help you find properties for sale that you can invest in and other apps that help you manage the residents at your rental properties.

  • Fundrise
  • Alpha investment app
  • Rentometer
  • Personal Capital
  • Landlord Studio
  • Zillow


Cash App Investing

cash app investing


The cash app is a finance app that can help you manage all your money. You can pay people you know, get a free debit card that comes with discounts when you use it, and get faster direct deposits for your paycheck!


Merrill Lynch Edge Investment App

Merrill Lynch Edge


The Merrill Lynch Edge app has all the features you could ever need.


You can get alerts, move money, deposit checks, utilize the secure message center, use touch ID, and even customize your dashboard.


Make a seamless portfolio for each business if you’re juggling multiple investments and see important data about your finance portfolios, all in one spot.


TD Ameritrade Investment App

TD Ameritrade


TD Ameritrade is one of the best trading apps you can find.


It’s so easy to trade with the TD Ameritrade app too because there aren’t a million fees for everything you do.


You can trade stocks, ETFs, and keep easy tabs on the market. Just set up alerts and you’ll always be the first to know when the stock market changes in your favor.


E Trade Investments App

E Trade


On the E Trade app all you need to do is follow 4 simple steps to get into the market and start investing like a pro.


E Trade will help you build your portfolio so you don’t have to figure it all out on your own.


E Trade also has an easy to follow, step-by-step guide to help you trade when you’re ready.


What’s more, E Trade offers zero commissions, so your transactions on E Trade won’t be loaded with tons of fees.


Robinhood Investing App



The Robinhood app’s goal is to make investing easy and accessible to everyone.


Robinhood charges a monthly fee for its margin-lending service, Robinhood Gold.


But Robinhood also doesn’t have commission fees to block you from getting on the investment wagon today.


Acorns Investing App



Acorns is an investment app that rounds up your expenses to the nearest dollar and invests that spare change.


Acorns costs $1 a month for accounts under $5,000.


Once you have invested more than $5,000, Acorns charges an annual fee of 0.25 percent of your assets.


This is how many investment managers charge for their services, but something to consider nonetheless.


Stash Investing App



On the Stash app you can start investing with whatever funds you have to spare.


This is because Stash lets you invest in fractional shares, so you don’t have to pay the larger expenses of an entire share to start investing today.


Stash charges a monthly fee of $1 to $9 depending on the type of plan you choose.


While Stash offers several learning tools, and its unique search method helps you find ETFs that match your goals or values, the app doesn’t actually manage money for you as robo-advisors do.


Sofi Investing App



You can invest and so much more with the SoFi app. Pay off debts sooner, get the loans you need, or refinance your mortgage!


The base service costs at Sofi are $0 for anyone with an existing SoFi loan or anyone with less than $10,000 in assets invested at SoFi.


If you have more than $10,000 to invest or if you aren’t a current SoFi borrower the cost is a rate of 0.25% per year.


Ally Invest App

Ally Invest


At Ally invest you can actually choose between self-directed trading and a managed portfolio.


Ally also provides beautiful charts and graphs to help you in your investment and finance portfolio endeavors.


Another great aspect about Ally Invest is that you can start start investing in a managed portfolio for just $100.


Charles Schwab Investment App

Charles Schwab


With Schwab trading services you can enjoy $0 commissions and $0 online options and trades.


You satisfaction is guaranteed with some of the best trade prices around.


The platforms available to Schwab users are award-winning with fast execution speeds.


The Schwab investing app also gives users unlimited access to all kinds of trading platforms and trade support.


Fidelity Investments App



The Fidelity investing app is a useful choice for investors who want to trade a lot and a little.


The Fidelity app also includes decision-making technology. So if you aren’t sure how to proceed in the investment world, the Fidelity app can help you make smart investment decisions too.


Choose from a broad range of investment opportunities and stocks available to you through Fidelity.


Wealthfront Investment App



On the Wealthfront app you can manage up to $5,000 for free!


Most other investment apps will charge different fees depending on how much of your funds you have invested.


On Wealthfront, you can also earn 0.35% APY with a Wealthfront Cash Account.


This APY percentage is almost 5 times the national APY average according to the FDIC.


Start growing your savings exponentially through the Wealthfront app.


Betterment Investing App



Betterment and Wealthfront both charge an annual fee of 0.25% for digital portfolio management.


For those who want human interaction, Betterment has a second tier, Betterment Premium.


It includes a team of financial advisors available via phone and email and costs 0.40%, with a minimum $100,000 investment.


M1 Finance Investment App

M1 finance


Use the M1 finance app to make more money, save more money, and invest your money for free.


The M1 app is also an easy to use platform with a user-friendly design.


There are also two different kinds of accounts you can start with the M1 app. The basic M1 account and the M1 plus account. App is following the ‘two and twenty’ structure often seen in hedge funds.


This means they charge you a flat 1.5% annual fee for accounts under $10,000, and 0.99% fee on accounts over $10,000. You will then pay 15% on profits.


Get market quotes in real time all on your phone! can give you updates on more than 30,000 different financial instruments.


My Wall Street Investment App

My Wall Street


The My Wall St app is designed to show you how to succeed on the market.


On My Wall St, an analyst team will handpick the best investments for you. You can also easily link your brokerage accounts with your My Wall St account.


Vanguard Investments App

vanguard investment app


Vanguard lets you design a portfolio with ETFs, mutual funds, individual stocks, CDs, and bonds.


If you’re new to investing, they can even help you decide what your first steps should be.


They also offer lower investment minimums and have transparent pricing. You can also enjoy easy, commission-free online trading.


Putnam Investments App

putnam bank investment app


Are you looking for fixed income opportunities in the investment world? Because you can find them at Putnam investments.


Putnam also has a great Fund Visualizer that helps advise you on all your investment decisions.


Alpha Investments App

alpha investment app


Build your private equity with Alpha Investments. Alpha offers a private capital network where you can build important financial relationships.


Get access to high-class investors and exclusive sponsors.


If you’re interested in real estate investments, Alpha is a great choice for you. They offer top-tier investments in multifamily rental housing, student housing, and senior housing.


Smart Asset. “The Best Investment Apps for Every Investor,” by Hunter Kuffel.

Nerd Wallet. “11 Best Investment Apps of 2020,” by Andrea Coombes.

Investopedia. “Why Upper-Middle Earners Are Living Paycheck to Paycheck,” by Rebecca Lake.

Benzinga. “Best Micro Investing Apps,” by Dan Schmidt.

Stash Learn. “What is Micro-Investing and How Do I Start?.”

Well Kept Wallet. “8 Best Investing Apps in 2020,” by Josh Patoka.

Financial Wolves. “12 Best Apps for Real Estate Investors in 2020.”

The Best Money Transfer Apps


Money transfer apps are a quick and convenient way to effortlessly send and receive money.

We need money transferring services for all kinds of reasons. Money transfers help us pay back our friends when splitting the bill for dinner or a night of fun. It’s also how we might pay our rent or utility bills, or send money to someone far away.

When you need a money transfer, you can look to your preferred money transfer app to get your funds where they need to go. This article goes over some of the most popular and highly rated money transfer apps available right now so you can choose the best one for you and your money transfer needs!

Find your local Check City Location where you can process Western Union money orders and money transfers! Check City Money Transfer are convenient, quick, and simple.

XE Money Transfer App


The XE app is useful for transferring money back and forth between countries. On the XE app you can easily read current charts on currency exchange rates and compare prices. XE is a great app for people who frequently travel overseas, foreign students, freelancers, and anyone else living, working, studying, or visiting abroad.

XE lets you keep up to date with transactions all while monitoring up to 10 different types of currencies. It also has a calculator that lets you compare prices and convert currencies for when you need to transfer funds abroad.

World Remit Money Transfer App


World Remit is yet another great money transferring app for when you need to send money around the world. They have low fees and are straight forward about their exchange rates. World Remit allows money transfers for 150+ countries.

Money transfers with the World Remit app are also fast, transferring 10 minutes or less in almost all cases. World Remit is even approved by the FCA and is licensed by many government regulators. Recipient’s just have to wait for an SMS text message or an email alert when the funds are available.

Currencies Direct Money Transfer App


Currencies Direct is all about alerting you to the best exchange rates so you can get the most for your money. Set up Rate Alerts with Currencies Direct and you’ll be the first to know when the exchange rates are in just the right spot.

Currencies Direct also prides itself on beating the exchange rates at banks. They also don’t have any hidden fees you need to worry about when paying for a transfer.

OFX Money Transfer App


Make fast and secure payments and money transfers with OFX. With the OFX money transfer app you can make money transfers 24/7, no matter the hour, all while keeping up with the latest market trends. They also have a global support team available 24/7 for whenever you have questions, day or night.

TransferWise Money Transfer App


TransferWise uses the real exchange rates around the world so you can get the most authentic exchange rates when transferring funds. You can also hold your money to wait and convert it when the exchange rate is the best.

Xoom Money Transfer App


The Xoom app is an extension of PayPal. With Xoom you can deal with your finances abroad. Xoom lets you reload phones, pay utility bills, or transfer funds in other countries. You can even send funds to cash pick up locations in other countries.

Xoom also keeps the information from the people and places you send money to, so you just have to hit resend to make another transfer. Then, Xoom will send text updates to let everyone know when transfers are ready.

PayPal Money Transfer App


PayPal is a simple app set up for peer to peer money transfers. PayPal even lets you buy and sell with the app and a QR code. Send money back and forth between the people you know to easily split the bill. You can also request for people to pay you back through PayPal for anyone who also has a PayPal account.

All you need to set up your PayPal account is an email address, a mobile phone number, and a bank account to link to your PayPal account. With PayPal’s encryptions your information will be kept safe and secure.

Venmo Money Transfer App


Venmo is another popular money transferring app that lets you split the cost between your friends for anything. Venmo is also great when you need to pay roommates for your portion of the rent and utilities, or pay a parent for your part of a phone plan each month.

Venmo also offers a card now that lets you shop with your Venmo balance anywhere Mastercard is accepted. The Venmo card also offers cash back rewards for certain purchases.

Ria Money Transfer App


The Ria app can help you transfer money and connect you to over 369,000 money transfer locations worldwide. Now, instead of carrying around cash or checks, you can just pull up the Ria app!

The funds you send with Ria can reach recipients in as little as 15 minutes that same day. You can also easily make repeat transfers when you need to by saving your transfer information.

The Ria app lets you upload payment information quickly by snapping a photo with your camera instead of having to manually type everything in. Take advantage of Ria’s price calculator too!

Chime Money Transfer App


Chime isn’t just a money transfer app. You can also do all your banking with Chime! With Chime you can enjoy all kinds of neat banking perks like zero hidden fees, get your paycheck up to 2 days early, get spotted with free overdraft, daily balance notifications, and so much more. Transfer money with ease and find the perfect place to handle all your other finances too with the Chime app.

Zelle Money Transfer App


Zelle is a money transferring app that partners with banks and credit unions so that their customers can easily send money back and forth to each other. Zelle lets members quickly send money directly to someone else’s bank account all on the app.

All you need to know is the email address or phone number of the person you want to send money to. This is helpful when you want to send money to someone else’s bank account but you don’t have their personal bank account information. The only downside to Zelle is that users must have a bank account within the US.

Western Union Money Transfer App


Western Union is a money transfer system that has been around for a very long time. Before they specialized in sending money they specialized in sending telegrams.

Now Western Union has systems online, in store locations everywhere, over the phone, and on the Western Union app to help customers easily use their services.

With Western Union you can send money to loved ones or pay your bills. You decide. You can even send international money transfers to over 200 different countries.

Paysend Money Transfer App


On the Paysend app you can send money to bank accounts, even international ones, with no fees. For a flat fee of $2 you can send money to any card, whether a credit, debit, or prepaid card. Now you can skip the long lines at the bank and send money internationally for some of the lowest fees.

ACE Money Transfer App


Ace strives to go above and beyond with their money transfer app. With their professional customer service and user-friendly interface, they provide easy money transferring services with low fees and ideal exchange rates. Ace also lets you choose between several money sending options. You can send your funds through a debit card, a credit card, or an online bank transfer.


Make your life easier with an easy to use money transfer app. Get your money where it needs to go and receive money in an instant! Paying bills and paying back your friends and family was never easier than it is today in this modern technological age.

(Book Review) The Unbanking Of America: How the New Middle Class Survives by Lisa Servon


Who is Lisa Servon?

Lisa Servon is an author, public speaker, professor, and former school dean. As a university professor she has studied financial services for many years. As a speaker she’s spoken on many platforms like NPR and PBS.

Lisa Servon was primarily interested in understanding alternative financial services like check cashing stores and why so many people prefer them over big banks, despite the negative narrative around check cashing stores and lenders.

But Lisa wasn’t content to read the impersonal data and articles available about the subject. Instead, she decided to do her own research on alternative financial services. This is what led Lisa Servon to get a job as a teller at check cashing stores like RiteCheck and Check Center.

Alongside all of her field experience and research, Lisa Servon has written countless books and articles on many financial matters. You can check out everything Lisa Servon is doing and learn all about her research findings on her website:

The Unbanking of America: How the New Middle Class Survives

Before we can get into this book review there are some keywords you’ll need to understand. You’ll also want to understand these key terms before reading the book.

Payday Loan: Payday loans are small, short-term loans that are secured against a future paycheck.

Alternative Financial Services and Institutions: Alternative financial services are financial products like check cashing and payday loans. They are financial products and services that usually have a wider approval rating. Alternative financial institutions are the facilities that offer these services.

Traditional Financial Services and Institutions: Traditional financial institutions are places like typical banks and credit unions that offer standard financial services like checking and savings accounts.

Banked: The term “banked” in a financial context refers to individuals who have a strong relationship with banks, have a checking and saving account, and only use traditional institutions for all their finances.

Underbanked: The term “underbanked” refers to individuals who use both alternative and traditional financial institutions. For instance, they might have a checking account but they still use their local check cashing store to cash their paychecks or get a short-term loan.

Unbanked: The term “unbanked” refers to individuals who only use alternative institutions for all their finances. Someone who is unbanked doesn’t have a bank account and if they need a financial service like check cashing they prefer going to their local check cashing store.

Lisa Servon is a prolific writer with many published books and articles. One of her most popular reads is her book, The Unbanking of America: How the New Middle Class Survives.

This book goes over in detail her experience working as a teller at the alternative financial institution RiteCheck. Here’s an inside look at the chapters and topics covered in her book:

The Chapters:

  1. We’re All Underbanked
  2. Where Everybody Knows Your Name
  3. Bankonomics, or How Banking Changed and Most of Us Lost Out
  4. The New Middle Class
  5. The Credit Trap: “Bad Debt” and Real Life
  6. Payday Loans: Making the Best of Poor Options
  7. Living in the Minus: The Millennial Perspective
  8. Borrowing and Saving Under the Radar
  9. Inside the Innovators
  10. Rejecting the New Normal

Lisa Servon opens her book with a quote:

“Not everything that counts can be counted, and not everything that can be counted counts.”

by William Bruce Cameron

This quote is the perfect opener for this book because it outlines one of the primary themes—to take a closer look when deciding what really counts because sometimes the public narrative about what’s important can be lacking.

Lisa Servon goes over many financial issues and topics of debate in her book. She takes a very new, open-minded, and refreshing look into the world of finance and all its many sides.

The way banks have changed and evolved.

The truth is banking and financial products have undergone a lot of change in recent years. Banking used to be a much smaller, neighbor-oriented business. You’d go to your neighborhood bank or credit union, and there you could handle your finances with tellers you knew and saw all the time.

Banking has since become a much larger industry and as such it’s become more impersonal. The growth of banks has also changed the banking services are set up. Now it seems banks are catering to a narrower and more elite demographic of acceptable customers for more profit rather than risking profit by widening the scope of their consumer audience.

Once upon a time financial institutions were open to a wide demographic of customers and provided simple, straightforward financial services and products. But now, banks are intentionally narrowing their range of customers and their services literally have pages and pages of digital fine print.

Banks are changing in this way because they are catering to their ideal customer. Which is great for the banks but less great for all the customers who are now locked out of those traditional financial services.

The problem with current narrative around finances.

Another problem Lisa Servon discusses is the disparity between our society’s narrative around banking and the reality around being unbanked or underbanked. It is a widely accepted idea in our financial culture today that being banked isn’t really a choice, it’s something you have to do in order to be financially responsible and smart. This then leads to the idea that being underbanked or unbanked is a problem for the poor and financially irresponsible.

But what if this narrative was missing the mark? This is what Lisa Servon strives to see in the studies she conducts and outlines in her book. She even goes so far as to argue the possibility that being banked should be a choice.

A new narrative around finances.

After experiencing the world of alternative financial solutions for herself during her work as a teller at a check cashing store, Lisa Servon came to some controversial conclusions.

For instance, maybe being banked should be a choice, not a requirement for financial stability and responsibility. What Lisa found is that traditional financial institutions just don’t provide the freedom and flexibility that certain financial demographics need, while alternative financial institutions do.

But this is a very different set of findings from what the overall societal narrative is around being banked, underbanked, or unbanked. “Convinced that having a bank account enables one to move up the economic ladder, they paint banks as the good guys and alternatives as the bad guys.” When the truth is, it takes being already up the economic ladder to a degree to have a bank account in the first place.

Lisa Servon explains it best herself,

“Julie Menin, commissioner for the Department of Consumer Affairs in New York City, writes that ‘mainstream banking services are associated with increased financial stability.’ This may be true, but there’s a check-and-egg problem here—do banks make financial security possible for their customers, or is it the other way around? Do people with financial security make banks possible? From the evidence I’ve gathered, mainstream banks aren’t doing a whole lot for people who aren’t financially stable already. Right now, alternative and informal practices do a better job of serving many people’s financial needs, especially among the many Americans who lack savings or a stable source of income.”

Some people prefer cash to cards. Some workers earn their income based on contracts, manual labor, and seasonal work that makes their income work on a different schedule than a typical office job. Not everyone’s finances look alike and Lisa argues that alternative financial institutions cater to a wider financial demographic than banks do.

Lisa Servon’s Data

Field researchers gather a lot of useful data because instead of staying in their office, they go where the data actually is. This is what Lisa Servon was doing while we worked as a teller at an alternative financial institution in order to see first-hand what it was really like.

Here are some of the facts:

The FDIC found that 25 million Americans were unbanked (meaning they did not have any bank account) in the year 2013 alone. The FDIC also found that 68 million more Americans were underbanked (meaning they have a bank account but still depend on alternative financial services). The facts are that a very large demographic of people are using and even depending on alternative financial stores.

Talking with customers at alternative financial services stores, Lisa found that many of them preferred to not deal with banks. It’s not difficult to see why that might be the case. In 2009, 76% of checking accounts were free. But this number dropped down to only 39% by 2011. Meanwhile, the fees to maintain a checking account went up an entire 25% just between 2010 and 2011. In the year 2017 alone, banks made over $34 billion in overdraft fees.

Another study found that as many as 6 out of every 10 Americans don’t even have $500 in savings when some savings accounts require even more than $500 just as a minimum daily balance.

For some financial demographics, banks are just too spendy a commodity when they can use simpler alternative financial options instead.

Buy Lisa Servon’s Books

Read more from Lisa Servon in any of her published works listed below. You can also find articles that she’s written for a shorter read on her homepage.

The Unbanking of America: How the New Middle Class Survives

  • Paperback: $11.97
  • Hardcover: $21.20
  • Kindle: $11.37

Bootstrap Capital: Microenterprises and the American Poor

  • Paperback: $22.99
  • Hardcover: $50.74

Bridging The Digital Divide: Community, Technology And Public Policy

  • Paperback: $5.99 to $44.98
  • Hardcover: $104.03 to $116.23
  • Kindle: $42.73

Gender and Planning: A Reader

  • Paperback: $33.56
  • Hardcover: $73.26


The New York Times. “Are Banks Too Expensive to Use?” by Lisa Servon.

American Banker. “Consumers are from Mars. Banks are from Venus,” by Lisa Servon.

The Washington Post. “To Reform the Credit Card Industry, Start with Credit Scores,” by Aaron Klein and Lisa Servon.

The Hill. “Philly Right to Ban Discriminatory Cashless Stores,” by Lisa Servon.

The American Prospect. “The Big Financial Divide: Why we have one banking system for the well-off and a ‘Wild West’ fringe for everyone else,” by Lisa Servon.

Bankrate. “The Battle of the Savings Accounts.”

Federal Deposit Insurance Corporation (FDIC). “National Survey of Unbanked and Underbanked Households.”

Oxford Academic. “How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market,” by John Gathergood, Benedict Guttman-Kenney, and Stefan Hunt.

CNN Money. “6 in 10 Americans don’t have $500 in savings,” by Kathryn Vasel.

The University of Chicago Press Journals — The Journal of Law and Economics. “Consumer Borrowing after Payday Loan Bans,” by Neil Bhutta, Jacob Goldin, Tatiana Homonoff.

The Best Places to Retire

couple sitting on a bench by the beach

Explore this Retirement Guide:

How to Decide Where to Retire

One of the things you must do when planning for your future retirement is to plan where you want to live when you retire. This is something you especially want to consider when buying a home. Ideally, you’ll finish paying off your mortgage before you retire, and since mortgages can take 30+ years to finish paying, it’s a good idea to consider how you want to retire before purchasing a home.

Other people might plan on moving later in life after their children have all flown the nest into a smaller, single-story home. Whatever you decide to do, the type of home you want to manage in your retirement days is something to think about sooner rather than later in life.

Some people might also want to live in a certain area to retire. Retirement allows for a lot of leisure time, which is why many retirees choose to live in warmer climates or near where they want to vacation like the beach.

But this isn’t all you have to consider when planning where to retire.

Cost of Living

You can calculate the cost of living on my many online cost of living calculators. The cost of living calculators will ask you where you currently live, where you want to live, and the amount of your current household income.

Once you enter the needed information, the cost of living calculator will give you several important insights:

How much you need to make each year to maintain your current standard of living in your new area and the higher or lower percentage costs for each aspect of living. This includes the cost of housing, transportation, food, entertainment, and healthcare.

Cost of living calculators are helpful because they allow you to easily compare the cost of living you’re currently used to with what the costs of things will be like in a different place.

Area Amenities

How do you know if a place will be fun or interesting to live in? The first thing you’ll want to think about is what you like to do and what kind of amenities and recreational activities you want to have nearby in retirement.

For instance, if you want to spend a lot of time golfing, then you should look up what golf courses are available in the area. Or maybe you want to live near parks and nature trails. These are also things you can ask your realtor to keep in mind for you when they are searching for homes to show you.

Here are some other recreational amenities you might want to consider when deciding where to retire:

  • golf courses
  • apartment complex amenities and activities
  • parks
  • nature trails and hiking
  • dog parks
  • the beach
  • swimming pools
  • restaurants
  • entertainment
  • local libraries and community centers

Something you cannot forget to consider when planning where to live when you retire is the tax environment. Not all states leave retirement income exempt from taxes. Some places also have high sales or property taxes.

When considering an area or state for retirement, look into all the taxes of that area that might affect you in retirement. For example, Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming currently don’t have personal state income taxes. Hawaii, Illinois, Mississippi, and Pennsylvania don’t tax all or most of your income in retirement. These are the types of tax laws you want to look into when researching where to live during retirement.

Climate and Geography

Everyone has different preferences when it comes to their ideal local climate and geography. Some people love the rain, others love the sunshine, some people love lots of snow, while others love more temperate climates.

Likewise, some people want to live near mountains where they can explore and go on frequent hikes. Other retirees will want to be close to the beach so they can enjoy the water and the sunshine anytime they like. Your preferences for climate and geography are also important things for you to consider when deciding where to retire.


If you have grandchildren, friends, and family members you want to be able to visit frequently then you’ll either want to live close by them or live where you can easily travel back and forth to visit them.

When considering where to live in retirement, you’ll want to look at how far away you’ll be from everyone and how easy it will be to travel to visit loved ones. This might also mean considering the cost of gas in your proposed retirement area.

Crime Rates

When you enter into retirement, the last thing you want to do is deal with high crime rates in your new neighborhood. Avoid this problem preemptively by finding the neighborhoods with the lowest crime rates to focus your retirement home searches.

There are a couple of resources you can use to learn about crime statistics in the area. City Data is a great website that lists all the states alongside a map of the US. Choose your state and then choose your city to find out more about the city crime statistics of that area.

If you want to compare crime statistics between your current place and where you want to move, then will let you compare both places at once. This website is great because crime is going to exist at some level almost everywhere, but you don’t want to move into an area with higher crime rates than your current city has.

Go on exploratory vacations. One of the best ways to figure out where to live when you retire is to go on some exploratory vacations to all the places you’re interested in!

How to Pick a Retirement Home

There are many reasons that bring some retirees to choose to live in a retirement home. Health concerns, the need for extra help or care throughout the day, mental or physical disabilities, and illnesses can be one smart reason to pick a retirement home with on-site caretakers.

But there are many other reasons besides physical health to pick a retirement home. Retirement homes can come with a lot of amenities, perks, and added benefits.

At a retirement home, you won’t have to worry about cleaning or upkeeping a house and yard. Many retirement homes also have regular activities, classes, clubs, and events that are fun, informative, and entertaining. Retirement communities can also provide a strong sense of community with your neighbors or fellow residents.

There are also many different kinds of retirement housing to choose from, each with different perks and levels of independence. Some retirement housing operates the exact same way as any other apartment or housing complex.

The only difference is that they only provide housing for the 55+ community and provide helpful HOA services like snow removal. Other retirement complexes provide even more features like on-site caretakers and medical staff.

Best Places to Retire in the US

  • Harrisburg, Pennsylvania
  • Allentown, Pennsylvania
  • Portland, Oregon
  • Fort Wayne, Indiana
  • Manchester, New Hampshire
  • Grand Rapids, Michigan
  • Lancaster, Pennsylvania
  • Athens, Georgia
  • Bella Vista, Arkansas
  • Boise, Idaho
  • Columbia, Missouri
  • Fargo, North Dakota
  • Iowa City, Iowa
  • Lawrence, Kansas
  • Lexington, Kentucky
  • Pittsburgh, Pennsylvania
  • Rochester, Minnesota
  • Savannah, Georgia
  • Wenatchee, Washington
  • Winchester, Virginia

Best Places to Retire in Florida

  • Sarasota, Florida
  • Orlando, Florida
  • Melbourne, Florida
  • Tampa, Florida
  • Lakeland, Florida
  • Jacksonville, Florida
  • Port St. Lucie, Florida
  • Fort Myers, Florida
  • Clearwater, Florida
  • Delray Beach, Florida
  • Palm Bay, Florida
  • Miami, Florida

Best Places to Retire in Arizona

  • Green Valley, Arizona
  • Sun City, Arizona
  • Litchfield Park, Arizona
  • Prescott, Arizona
  • Cave Creek, Arizona
  • Paradise Valley, Arizona
  • Cottonwood, Arizona
  • Golden Valley, Arizona
  • Scottsdale, Arizona

Best Places to Retire in California

  • Beverly Hills, California
  • Westlake Village, California
  • Rancho Mirage, California
  • Auburn, California
  • Laguna Woods, California
  • Oaji, California
  • Los Alamitos, California
  • Marina del Rey, California
  • Grass Valley, California
  • Indian Wells, California

Best Places to Retire in North Carolina

  • Winston-Salem, North Carolina
  • Asheville, North Carolina
  • Brevard, North Carolina
  • Charlotte, North Carolina

Best Places to Retire in Tennessee

  • Chattanooga, Tennessee
  • Knoxville, Tennessee
  • Nashville, Tennessee
  • Maryville, Tennessee

Best Places to Retire in Texas

  • El Paso, Texas
  • Austin, Texas
  • Dallas-Fort Worth, Texas
  • San Antonio, Texas
  • San Marcos, Texas

Best Places to Retire in the World

  • Boquete, Panama
  • Cahuita, Costa Rica
  • Puerto Vallarta, Mexico
  • Kuala Lumpur, Malaysia
  • Medellin, Colombia
  • Arequipa, Peru
  • Bangkok, Thailand
  • Madrid, Spain
  • The Algarve, Portugal
  • Annecy, France
  • Bled, Slovenia
  • Canggu, Bali
  • Cascais, Portugal
  • Città Sant’Angelo, Italy
  • Cuenca, Ecuador
  • Fortaleza, Brazil


The Balance. “Where Should You Retire?” by Melissa Phipps.

US News and World Report. “The Best Places to Retire in 2020,” by Emily Brandon.

Forbes. “Best Places to Retire.”

Forbes. “The Top 10 Places In The World To Retire: 2 New Lists,” by Richard Eisenberg.

Smart Asset. “Best Places to Retire in California, Best Places to Retire in Arizona,” by Ben Geler.

Best Places Retire. “Where Are The 2020 Best Places To Retire In The US And Around The World?”

20 of the Best Finance Subreddits (2020 Review)

Best Finance Subreddits

Each subreddit has its own purpose, but in general, subreddits are a great place to go to post questions, tips, advice, and participate in discussions about the main topic.

If you’re unfamiliar with Reddit then you should know that Reddit is considered the “front page of the internet.” It’s a gigantic forum with endless amounts of subreddits (or individual forums) that all cover specific topics of discussion.

As with all subreddits, the following finance subreddits each have their own rules and guidelines to follow when posting and commenting on the forum. When joining any subreddits, it’s always a good idea to go to their About Page and read up on the subreddit rules and guidelines.

1. r/Finance

On r/finance, you can find both financial news and financial views. Here you can find useful question threads and useful finance articles. This is also a perfect subreddit if you don’t want to read about personal finance, but finance in general. This subreddit also attempts to steer clear of posts that have to do with topics related to finance, but that miss the mark, like careers.

2. r/Financial Planning

At r/financialplanning you can find an entire community meant to help support each other in our personal finance efforts. R/personal finance has a lot of discussions so it’s a great place to ask questions and get your questions answered. After all, that’s what personal finance is all about, getting personal help for your personal finance goals. In this subreddit, you can also find other topics that relate to financial planning like budgeting, income, retirement, insurance, investing, and frugality.

3. r/Personal Finance

The subreddit r/personalfinance is one of the biggest finance subreddits on Reddit. If you want to stay connected to the finance community, then you definitely want to follow this Reddit community. Personal finance includes a lot of categories, like budgeting, saving, debt, credit cards, investing, and retirement, and r/personalfinance covers them all. This subreddit has so much content that they even have their own Personal Finance Wiki that you can use to get all kinds of information they’ve already covered on the forum.

4. r/Retirement

Much like getting your first job or building a savings account, retirement is a very important financial milestone in life. It’s something you need to start planning for as soon as possible. This subreddit will help guide you on your journey to retiring in ease someday. There’s a lot you need to know about retirement, and r/retirement can explain it all, like how much you should be saving for retirement, how you should keep your retirement funds and annuity providers.

5. r/Credit Cards

Credit cards can be a very useful financial tool. They can come with benefits, perks, and reward programs. But there are so many things to consider when shopping for your next credit card. If you need to know what rates and terms are best, check out r/creditcards where you can find all kinds of helpful resources for how to take advantage of credit cards.

6. r/Tax

Taxes can be really confusing for the average person. Luckily, r/tax is here to help you sort through the mess and figure out taxes. This subreddit talks about tax issues, policies, laws, tax returns, rebates, and tax claims. You’d be surprised how much there is to talk about in the world of taxes. This is the place to discuss them. You can also go here if you have any questions about taxes you want to ask the masses. Become an amateur tax expert by following r/tax and keep updated on how taxes work.

7. r/Finance Advice

*r/Finance Advice has changed to r/Personal Finance. So if you want a subreddit all about financial advice you’ll want to instead visit r/Personal Finance. In this subreddit you’ll find all the financial advice you need.

If the financial advice you’re looking for isn’t personal, then you’ll want to a subreddit that specifically tackles the area of finance you are interested in.

8. r/Economics

Have you ever wanted to pick an economist’s brain? By following r/economics, you can participate in a discussion thread full of economists. Much of successful finances have to do with a thorough understanding of economics. You can also keep posted on a lot of economic news and discuss economic news with fellow economic enthusiasts.

9. r/Finance News

Speaking of news, there is also a subreddit completely dedicated to finance related news! Staying tuned in on finance news is important if you work in business or if you invest at all. You need to stay updated on trends and optimal financial practices. Knowing the latest news on finance can also help you know how to act with your own personal finances.

10. r/Financial Independence

Financial independence means that you don’t depend on credit, loans, or debts. Being financially independent has a lot of advantages. It can help you save more and keep you free from creditors. It also lets you keep more of your income for your own personal and professional use and save for important life events like retirement or a house. This subreddit helps people figure out how to become financially independent.

11. r/Finance Students

This subreddit is for students of finance. But you don’t have to actually be going to school in finance to enjoy this subreddit. Anyone who wants to learn about finance can use this subreddit to learn more. Finance students help followers learn about the science of finance and how finance really works.

12. r/Student Loans

Student loan debt is a substantial problem for many college students and former college students. Many people struggle under the weight of large student debt for much of their lives. Sometimes, it will feel like you can never get rid of your student loans. Follow r/studentloans if you have student loans and want help knowing how to tackle them.

13. r/Poverty Finance

This subreddit was made as a personal finance subreddit for those below the poverty line or who are struggling financially. When you are struggling financially, your finances might look very different from the budget of someone who is financially more comfortable. Poverty finance helps you with frugality, finding better financial opportunities, and guidance to help people get out of poverty. This subreddit is great too because it’s meant to be a safe place for struggling individuals to go for judgment-free help.

14. r/Frugal

Frugality is a mental philosophy. Frugality means that you carefully assess our resources and assets before making financial plans. Frugality also means planning your finances carefully so that there is no waste and expenses are as minimal as possible. Frugality takes into consideration time, money, convenience, and other factors involved in saving money and not wasting a penny.

15. r/Investing

This subreddit is the central hub for all things investing. It talks about investing, stocks, and the market. The stock market can be really complicated to some, especially if you’ve never invested before. But that’s why this subreddit is so popular. If you are new to investing then follow r/investing, where you can learn about the market, market trends, investing, and how to invest your money wisely.

16. r/Almost Homeless

Homelessness is a very real issue. Many people struggle with homelessness or near homelessness. The subreddit r/almosthomeless is for anyone who needs advice about getting out of homelessness, or anyone who is on the brink of homelessness and needs help staying out of it. This community offers support, advice, and important resources for individuals in hard situations.

17. r/Crypto Currency

Cryptocurrency is digital money. Many people believe that cryptocurrency is the financial asset of the future. Digital funds play an important part in the world and you can learn all about them here on the cryptocurrency subreddit.

18. r/Security Analysis

Security analysts are the ones who tackle and manage these topics for their companies. Security analysis is a great subreddit for advanced investors. Security analysts get into the nitty-gritty of company balance sheets, earnings reports, company valuations, financial modeling, finance portfolios, and everything else involved in security analysis.

19. r/PF Tools (Personal Finance Tools)

Becoming a personal finance expert is all about having the right personal finance tools at your disposal. Personal finance tools can help you budget, invest, and save! But there are so many personal finance apps out there, it can be hard to choose. If you need help with personal finance tool recommendations, and learning how to take full advantage of personal finance tools, this subreddit is for you.

20. r/Financial Careers

Thinking about a career in finance? Join the r/financialcareers subreddit to join a larger community of people also in the same field. This subreddit even has a financial career discord server for everyone to chat with each other more directly as they study finance and pursue finance careers.


Make Use Of. “The 12 Best Subreddits About Finance,” by Dan Price.

10 of the Best Time Tracking Apps


Working hourly at a work from home job means you’ll need a way to clock your hours and send time reports to your boss or clients.

It helps to have a time tracking app that will automatically track your time so you can send time reports and invoices to your employer. The best time tracking app will provide a documented time sheet proving the hours you worked and the hourly pay you deserve.

It’s also useful to keep your own records to document your productivity or how long some project takes you to finish. This can help you gain insights on how to improve your workflow and productivity.

When you go to work on location there might be a machine you use to punch in, or some kind of time tracking software you use to clock in. But if you’re working from home, this technology might not be available to you. Fortunately, there are plenty of free and great personal time tracking apps out there that you can use to clock your work hours.

1. RescueTime

Best Time Tracking Apps

Pricing: *Free Time Tracking App

If the work you do involves using multiple desktop applications and browsers then you should get the RescueTime app. RescueTime can keep track of all your desktop activities so you don’t have to monitor how you spend your workday. The great thing about RescueTime is that you don’t have to log into any of your other accounts. Another big benefit of using RescueTime is that it can help you monitor how much time you waste on social media and help you make and keep social media goals. The RescueTime app will just automatically log your desktop activities to create a detailed and informative time report.

2. TimeCamp

Best Time Tracking Apps

Pricing: Free version, $5.25 per month for basic, $7.50 per month for pro, custom enterprise pricing

What is the best time reporter for freelancers? The Time Tracking App by TimeCamp! With TimeCamp, you can get detailed reports about how your remote team works. You can also stay in sync with others about the progress of all your work. TimeCamp lets you create a personal work schedule for yourself to keep you on track. You can then see your own progress and productivity levels with their charts and graphs. This time tracker app also offers a free plan!

3. Clockify

Best Time Tracking Apps

Pricing: *Free Time Tracking App

Clockify doesn’t just have a free plan for remote work, Clockify is 100% free for everyone all the time! Clockify might also be one of the most popular and commonly used time tracking apps. With Clockify you can create a detailed time report for your boss and clients and easily edit your time entries. You can also include your hourly rate so Clockify can record how much you earned after a week of working your remote job as well. Clockify also has a desktop app, a mobile app, and a chrome extension. Clockify also lets you invite fellow coworkers that might be on the same project as you are. Then you can easily export time entries to your boss together.

4. Boosted

Best Time Tracking Apps

Pricing: *Free Time Tracking App

Boosted is the best time tracking app if you want a to-do list that lets you run a timer for how long you spend doing each item. Boosted lets you make projects with subtasks and you can clock your time spent on the overall project or on each subtask. Boosted also gives you beautiful and simple charts to show how productive you are and which tasks take most of your time. Then, as you log your time spent working, Boosted records all this data in a calendar.


Best Time Tracking Apps

Pricing: Free version, $5 per month for professional, $7 per month for business

With the TMETRIC time tracking app and desktop application, you can log away your time working, keep track of all your work-related tasks, and create reports and invoices. TMETRIC also lets you create projects and tag your work with all your different clients. TMETRIC also connects with many other work-related software. TMETRIC also lets you integrate all your billing information so you can keep track of billable time, project budgets, what’s been spent, so you can export all this information to your boss.

6. Toggl

Best Time Tracking Apps

Pricing: $20 per month for premium, $10 per month for starters

Toggl takes stopwatches to the next level by giving you the ability to easily start and stop your time tracking app as you take breaks throughout the day. It can do a lot more than just record all your time working. With Toggl you can create estimates, plan with your team members, go over business processes, budget projections, and so much more. Toggl also lets you set up customized reminders for when you need to start working or if your clock has been running for too long.

7. Harvest

Best Time Tracking Apps

Pricing: Free version, $12 per month for premium

Set up your whole team and their hours worked all in one place. Now you can see the hours everyone is doing and how they are getting paid. Harvest also lets you integrate all the other applications you use all the time. Harvest is especially useful for tracking clocked hours as a team. It also helps your team members stay on track with projects and deadlines.

8. Timely

Best Time Tracking Apps

Pricing: $5 per month for part-time, $11 per month for full-time, $18 per month for professional consultants

Timely is a time tracking app created by Memory. Timely lets you create a complete timeline of your entire workday. Timely utilizes smart AI to track what you do each day and create an organized timesheet of your productivity. You can also track a teamwork dashboard to stay connected with your fellow remote workers and manage all the team projects you have.

9. Everhour

Best Time Tracking Apps

Pricing: Free version, $8 per month for solo premium, $7 per month for team premium

Everhour is a time tracking app for smart teams. Everhour helps you record accurate time reports and send invoices quickly so you can always get paid on time. Everhour can connect with useful programs like Asana, Trello, Basecamp, Jira, and Clickup. Everhour is one of the best time tracker apps for making detailed timesheets for your business and your employees. But it doesn’t just track work hours, Everhour also has board and timeline layouts for organizing projects and tasks.

10. Timeneye

Best Time Tracking Apps

Pricing: Free version, $6 per year or $7 per month for pro

Timeneye works for teams, individuals, and freelancers. With Timeneye you can manage your workflow whether you’re working together or alone, and monitor your productivity so you can find ways to do better. See where all your time goes while you work so you know how long all your tasks are taking you. Timeneye is also great for creating a weekly calendar of your work.

20 of the Best Work From Home Apps

Work From Home Apps

Working from home can come with a lot of perks, but it can also come with a lot of unique challenges.

Working from home can be a real blessing. You can make your own hours and you don’t have to leave your house to get paid! Who doesn’t want that?

But working from home can also leave you on your own and without the technical support you get at an office. Thankfully, there are lots of apps and tools you can use to make your home office function just as well as an office building.

1. Smart Break

Best Work From Home Apps and Tools

During your at-home workday, you have to remember to take breaks. A typical workday is 8 hours long, but sitting for 8 hours straight isn’t good for you body and it isn’t good for your mental wellbeing. Smart Break is a site that helps you take 3-minute breaks throughout your workday. But that isn’t all! Smart Break also gives you short workouts to get you moving and out of your chair during each break.

2. Rescue Time App

Best Work From Home Apps and Tools

Many remote workers also need to keep track of their desktop activities while on the job. But creating a detailed time report of all your online work is difficult to do on your own. Using tools like the Rescue Time App can create this time sheet for you, and you don’t even have to log into any other accounts on the Rescue Time App for it to track your work. If you want to see a detailed report of where exactly all your time goes when you’re working download the Rescue Time App for desktop.

3. Zoom

Best Work From Home Apps and Tools

Zoom is a useful web conferencing application where you can make zoom meetings. You can schedule zoom meetings, trainings, create a video webinar, gather together a virtual conference room, and even use it as a phone and chatting system. Zoom meetings are clear and smooth so you can have face to face zoom meetings without internet interruptions. Stay connected with all your coworkers and clients with high-quality video conferencing.

4. Slack

Best Work From Home Apps and Tools

The slack app is another very popular communication system for people who work from home. The slack app is most popular for its organized messaging system. You can create different chat groups with different groups of individuals and you can send direct messages to individuals as well. Organize all the many conversation threads and groups you need for work in one single space. Use the slack login to invite key team players to your slack workplace. The slack download can work on both desktop and mobile so you can even stay connected on the go.

5. Sling

Best Work From Home Apps and Tools

Sling TV is a streaming service, but Sling is also the name of a great daily, weekly, and monthly work scheduling system. When you work from home you have to organize your own workflow, and Sling can help you do this. It’s also a great application for if you need to set up a work schedule with multiple people. You can even use Sling to create work shifts and communicate in real-time about your ongoing team projects and show the work you’re doing with easy photo uploads.

6. Focus Forest

Best Work From Home Apps and Tools

Apps like Forest Focus are a great way to give back while you get work done. If you work from home, then you’ll know that combatting distractions can be difficult. Use the Forest stay focused app to grow digital plants the longer you stay focused and earn coins that go toward planting real trees in the world. Not only can you do some real good while you focus on work, but the Focus Forest app can also show you detailed statistics about how you spend your time and how productive you are.

7. Focus Plant

Best Work From Home Apps and Tools

Reward yourself for focusing on your work at home by getting the Focus Plant app. You can set goals specifically for staying focused and being productive and get rewarded as you reach your goals. As you reach your goals you earn raindrops that you can use to you’re your own virtual garden. This is also a great way to visualize your productivity. This plant focus app will let you grow a little focus plant city of your own.

8. FLIP App for Studying

Best Work From Home Apps and Tools

The FLIP app for studying is also a great app for timing your periods of focus and productivity. But with the FLIP study app, you can focus together! Connect with your friends or work from home colleagues and chat with them as you focus together. It’s also not hard to figure out how to use FLIP study app. You can also keep score of your productivity in the same way you might compete in fitness challenges on a fitness app.

9. Study Bunny

Best Work From Home Apps and Tools

Gain a virtual work buddy with Study Bunny! As you reach productivity and project goals you can earn coins to help you take care of your bunny studying in their little room. Study Bunny even lets you pause when you need a break from focusing. Make use of tools like helpful to-do lists to help you know what you need to get done each day.

10. Flipd

Best Work From Home Apps and Tools

What is Flipd? The Flipd app lets you actually lock apps on your phone so you aren’t tempted to waste time on your phone and so certain apps can’t distract you with notifications when you really need work. Apps like Flipd also lets you create a community of remote workers so you can all focus together. Flipd is also great when you need reminders for breaks, to get to work, or incorporate wellness resources into your focus goals.

11. Help Me Focus

Best Work From Home Apps and Tools

If you work alone you might need “apps to help me focus.” The Help Me Focus app is a great focus companion that lets you schedule your work week and control the apps that can and can’t distract you during the time periods you’ve specified. So if you need to keep slack open so you can keep in contact with your coworkers, but you want to keep Facebook messenger from blowing up your phone, you can customize all of this with the Help Me Focus app.

12. TimeCamp

Best Work From Home Apps and Tools

What is the best time reporter for freelancers? The Time Tracking App by TimeCamp. On the TimeCamp app, you can create a personalized work schedule and record the time you spend on each project. Then, with simplified statistic layouts, you can see exactly how much time you spent on each project during the week.

13. Clockify

Best Work From Home Apps and Tools

Create a detailed time report with the Clockify app. The Clockify login lets you log in with your Facebook or Google account, making login fast and simple. The Clockify app and website even have a Clockify chrome extension so you can easily start a timer from any browser you might be working from and a Clockify desktop app. You can also include hourly rates to track how much you’re making. Clockify also lets you invite fellow coworkers that might be on the same project as you are. Then you can easily export time reports to your boss.

14. Podcasts

work from home apps

Podcasts are a great way to pass the time when working at home and block out exterior distractions. They can also be less distracting then watching TV while you work because you only have to occasionally engage your ears rather than ears and eyes. You can use podcasts anywhere you like to listen to music, like Spotify, the Google Podcasts app, Stitcher, or Apple Podcasts. Try some of the most popular podcasts right now like the Joe Rogan Podcast, the Last Podcast on the Left, and other great serial podcasts.

15. Microsoft Teams

Best Work From Home Apps and Tools

What is Microsoft Teams? The Microsoft Teams app lets you create a seamless teamwork hub with the Microsoft Teams download. You can work remotely without being cut off from your coworkers with all the useful features found in Microsoft teams. Instant message with members of your team, and schedules virtual meetings where you can talk face to face. Download Microsoft Teams for mac, windows, or mobile right now to make the most of your teamwork capabilities.

16. Shift

Best Work From Home Apps and Tools

If you work from home then you might understand the nuisance of needing to go back and forth between multiple tabs, windows, and applications. Fix this problem by getting Shift for your desktop. Shift lets you link all of your work-related apps and accounts in one single spot. This lets you create a type of customized desktop workspace from home.

17. Productive Habit Tracker

Best Work From Home Apps and Tools

Learning how to work from home is really all about optimizing your productivity and making and keeping goals. The Productive Habit Tracker app from Apalon can help you manage all your goals regardless of whether they’re for work or for your personal life. It’s essentially a productive habits and daily goals tracker. It can be really difficult to manage both your professional and personal life when you work at home. The Productive app can help you organize your day so you can achieve balance while working from home.


Best Work From Home Apps and Tools

What is is a website and app that can help you easily organize tasks amongst a group of people. If you work remotely, and you work in a team, then you’ll need an effective way to organize and distribute tasks amongst yourselves. Members of your team can then all sync up on work to-dos together on, and mark when things are in progress and when they are done. This way, everyone can know at all times what the stats of a project are. pricing can be explored on their website along with some great reviews.

19. Boosted

Best Work From Home Apps and Tools

Merge your to-do list with your timesheets by getting Boosted. On Boosted, you can keep track of all the tasks you have to do, and how much time you spend doing each one. Create projects that you can track and include all the subtasks involved in that single project. See your projects as tasks. And check out your daily and weekly progress in beautifully minimalist charts.

20. MeisterTask

Best Work From Home Apps and Tools

Managing tasks and tracking your time spent working are the two biggest things you need to help you successfully work from home. Meister Tasks lets you choose from multiple themes, and attribute tasks to different team members. Then you and your team can move around the work they’re doing from pending to in progress to done. But you can completely customize these categories to your personal needs. You don’t have to wonder about Meistertask vs Trello because Meistertask incorporates the same awesome features that Trello has! Meistertask pricing is also available on their website for Meistertask premium, but they do have a free version for everyone to use.

(2020 Review) The Best Financial Podcasts

(2020 Review) The Best Financial Podcasts

An estimated 144 million Americans listen to podcasts.

Podcasts are becoming increasingly more popular each year. And they cover all kinds of topics! If you can think of it, there’s a podcast that talks about it.

Explore this Guide:

  1. Planet Money
  2. The Dave Ramsey Show
  3. Choose FI (Financial Independence)
  4. Radical Personal Finance
  5. Money for the Rest of Us
  6. So Money
  7. The Clark Howard Podcast
  8. Financial Independence Podcast
  9. Money Guy Show
  10. Freakonomoics Radio
  11. Smart Money Podcast
  12. Stacking Benjamins
  13. Afford Anything
  14. Smart Passive Income
  15. The Fairer Cents
  16. Listen, Money Matters
  17. What Works | Small Business Podcast

Now you can listen to millions of different business and personal finance podcasts. But what are some of the top finance podcasts? Here we’ll go over some of the most popular finance podcasts and why you should add each one to your playlist.

Many of these podcasts have their own websites you can visit for more details about the podcast and even more resources about the topics they cover. They also have email subscriptions so you can get regular newsletters from your favorite podcast hosts. Listen to your new favorite financial podcasts wherever you listen to podcasts, like Google Podcasts, Apple iTunes, Spotify Podcasts, and Stitcher.

1. Planet Money

Hosted by NPR

The National Public Radio (NPR) is a nonprofit organization based in Washington DC. They are a news outlet that cover stories of all kinds of topics. They also have tons of podcasts like Hidden Brain and the TED Radio Hour.

One of their business podcasts is called Planet Money, and it goes over everything in economics. They talk about all kinds of topics related to money matter, the economy, and business.

If you want to learn more about the economy in a way that isn’t difficult to understand, start listening to Planet Money from NPR.

Click Here to Listen Now.

2. The Dave Ramsey Show

Hosted by Dave Ramsey

Dave Ramsey is a well-known advisor on money matters, debt, and personal finance. Dave Ramsey has books, a website, and even an academic course to help you handle your finances and live a debt-free financial lifestyle.

He also hosts his own radio show. You can listen to Dave Ramsey’s podcast anywhere and you can even watch the show on Dave Ramsey’s YouTube channel or find it on your local radio station. His show airs every weekday from 2:00 pm to 5:00 pm EST.

The Dave Ramsey show is also a live event. You can go be on the show live, watch it live, or schedule a “debt-free scream” to do on the show once you’ve become debt free. So if living the debt free way is one of your financial goals, start tuning into the Dave Ramsey Show.

Click Here to Listen Now.

3. Choose FI (Financial Independence)

Hosted by Jonathan Mendonsa and Brad Barrett

Choose Financial Independence or ChooseFI is a community of regular people striving for financial independence. They discuss all kinds of topics that you could use today to reach your own financial goals.

They interview people like the founder of YNAB (You Need A Buddget), they answer questions like, should I refinance my mortgage? And they discuss financial tips and tricks that really work. So if you’re needing an outlet that will get you some real world actions you can take today, add the ChooseFI podcast to your list of must-listens.

Click Here to Listen Now.

4. Radical Personal Finance

Hosted by Joshua Sheats

Joshua is a financial planner with an action plan that can help you achieve financial freedom in just 10 years. He’s a professional that can really help his listeners figure out how to plan for their own personal finances and businesses. The Radical Personal Finance podcast also has a Q & A every Friday about different finance, career, and business building topics.

Need radical financial advice? Take a listen to what Joshua Sheats has to say in his podcast.

Click Here to Listen Now.

5. Money for the Rest of Us

Hosted by J. David Stein

Money for the Rest of Us is a podcast about real people and their real money management techniques. David Stein even has his own book! He’s a professional money manager that can help you become a professional money manager in your own life and business.

He even talks about how money works and how investing your money works, but in a simple way that anyone can understand and put into practice.

Click Here to Listen Now.

6. So Money

Hosted by Farnoosh Torabi

Farnoosh Torabi is a financial strategist, a TV host, and a bestselling author. Now she hosts a podcast where she interviews other inspiriting, financial professionals to learn how the most successful people have gotten where they are.

Farnoosh also has a weekly Q & A on Fridays where she answers common money questions. If you want to get an inside glimpse into the financial lives of people who are smart with their money, start listening to Farnoosh’s podcast, So Money.

Click Here to Listen Now.

7. The Clark Howard Podcast

Hosted by Clark Howard

Clark Howard is a money expert whose advice revolves around saving more money and spending less money. His podcast helps you learn how to save money on everyday things and even goes over incredible deals that can help you save.

He talks about many common money basics like how to buy a car, how to finance your home, and how to plan for retirement. Learn about the basics of finance and how it applies to your personal life.

Click Here to Listen Now.

8. Financial Independence Podcast

Hosted by the Mad Fientist

Fience is a term coined by the Mad Fientist. It stands for the science of finance or “fience.” He interviews money managing icons about their money saving strategies. He also teaches all about the science of finances like investing, travel hacks, and real estate.

By taking these money saving tips listeners can achieve financial independence and even retire early.

Click Here to Listen Now.

9. Money Guy Show

Hosted by Brian Preston and Bo Hanson

Brian and Bo are financial planners that strive to take their wealth management knowledge to the everyday person. They’ll help you figure out how to make smarter decisions about your money.

They also have a blog you can follow to read articles on the topics they go over.

Click Here to Listen Now.

10. Freakonomoics Radio

Hosted by Stephen J. Dubner

Stephen Dubner is one of the co-authors of the Freakonomics books. The books and the radio show attempt to uncover the hidden side of everything. If you’re a curious person, then Freakonomics is a great place to go to learn new things and learn to think of ordinary things in completely different ways.

Click Here to Listen Now.

11. Smart Money Podcast

Hosted by Sean Pyles and Dayana Yochim

NerdWallet is an online blog all about credit, banking, investing, mortgages, loans, insurance, and travel. If it has to do with money, then NerdWallet probably covers it.

Now NerdWallet has their own podcast, hosted by Sean Pyles, called the Smart Money podcast. On this podcast, Sean, Dayana, and other NerdWallet writers tackle all your money questions to give you the practical answers you need.

Click Here to Listen Now.

12. Stacking Benjamins

Hosted by Joe Saul-Sehy and OG

Stacking Benjamins is a relaxed and fun money podcast that talks to personal finance experts about inspiring ways to find monetary success. They have guests on their show, they go over big financial headlines, and they answer questions from their listeners.

Stacking Benjamins airs every Monday, Wednesday, and Friday.

Click Here to Listen Now.

13. Afford Anything

Hosted by Paula Pant

Afford Anything is a podcast all about spending money. We spend money all the time, making choices every day that impact our finances. The Afford Anything podcast will help you learn to make smarter and more thoughtful decisions when spending your hard earned money.

Paula Pant also interviews a wide range of interesting guest stars who offer their personal, interesting insights into everything from retirement, work life, and traveling.

Click Here to Listen Now.

14. Smart Passive Income

Hosted by Pat Flynn

The Smart Passive Income podcast is a great resource for online businesses and blogs. He not only goes over money tips for your online business, but also helps you with marketing strategies and tips.

The purpose of Pat Flynn’s podcast is to guide you in creating “passive streams of income.” These passive streams of income come from your businesses and investments. He’s also a very open podcaster who isn’t afraid to get personal and share his ups and downs and what he’s learned.

Click Here to Listen Now.

15. The Fairer Cents

Hosted by Kara Perez and Tanja Hester

The Fairer Cents is one of the most popular finance podcasts for women everywhere. It’s an educational podcast about finances and careers. It’s purpose is to try and change the status quo and help women tackle the financial struggles that are unique to women and people of color.

Click Here to Listen Now.

16. Listen, Money Matters

Hosted by Andrew Fiebert and Matt Giovanisci

Andrew and Matt want to bring financial information and education to regular everyday people. They focus on talking about actions everyone can actually do, rather than theories you can actually use. If you’re looking for a money podcast that is funny and honest, the Listen, Money Matters podcast is for you.

Click Here to Listen Now.

17. What Works | Small Business Podcast

Hosted by Tara McMullin

If you’re a small business owner you might be looking for a community of fellow small business owners. You’re in luck! What Works is a podcast all about creating a community for small business owners who want to discuss together what does and doesn’t work to help each other succeed.

Click Here to Listen Now.

The 12 Best Budget Apps (2020 Review)

The 12 Best Budget Apps (2020 Review)

The biggest part of budgeting is needing to get in control of your spending. But that can be nearly impossible to do on your own.

Expense tracker apps can make this a lot easier and even save you money. These budgeting tools can help you see your spending habits visually and see where your strengths and weaknesses are. As a management tool, it can help you spend your money the smart way and manage your cash flow.

All you need is a user-friendly spending tracker that works for you and you’re on your way to spending less and saving more.

Many expense apps also act as budgeting apps and can help you create your own budget. They make it easier to see all your spending in one place and manage all your monthly purchases and bills.

It can throw our finances out of balance for awhile when we go over budget one month. To get back on track you can take out a Check City Installment Loan and get your finances back in order in no time.

Here are some of the best rated expense tracker apps you can get for your phone today.

*All the information below was taken from Google Play on the day of posting.

1. Personal Capital

best budget app for investment portfolios

By Personal Capital Corporation

Reviewed 4.5 stars by 12,492 people


Allows you to connect accounts: savings, checkings, investments, retirement, credit card accounts, mortgage. Designed primarily to track your net worth, cash flow, and investment portfolio.
Available financial advisors to offer recommendations backed by data. Not the most ideal option for personal, basic budgeting.
Tax optimization advice. Doesn’t allow you to share or link with other users.
Free analytics tool to track cash flow over a period of time. Less ideal if you don’t have a lot of money flow going different places.
Free analytics tool to track cash flow over a period of time.
Compatible with desktop and mobile devices.

With the Personal Capital app, you can do just about anything. You can sync the app to your personal bank accounts, your retirement funds, investments, IRA, and even debts, all in one seamless dashboard.

They even off their own high yield savings account called Personal Capital Cash. You can use Personal Capital’s saving account to keep any extra cash. It has no fees, no minimum balance requirements, and an Annual Personal Yield (APY) of 1.55%.


the Personal Capital Budget App is great for individuals who want to grow their personal wealth and want to better keep track of all their investments. This app makes a great place to keep your full financial portfolio.

2. QuickBooks

best budget app for small businesses

By Intuit Inc

Reviewed 4.25 stars by 33,232 people

Free for 30 days

Plan specifically for small businesses, self-employed, and accountants. Not ideal for personal budget use.
Can keep track of all business expenses and keep them separate from personal expenses. Monthly subscriptions required from $15 to $35 a month.
Includes Turbo Tax features. Desktop pro costs $299.95
Automatically track miles. It costs an additional $250 to add other people onto your account.
Send professional invoices. You can only add up to 3 other people.
Compatible with desktop and mobile devices.
Ideal for all your business bookkeeping.

If you have frequent business expenses than QuickBooks is a good choice for you. This app includes the ability to track and earn up to 57.5 cents per mile, send and track your professional invoices, digitally keep track of receipts, and review how your business is doing financially in easy to read charts and graphs.


Quickbooks is the perfect budgeting apps for small businesses and individuals who are self-employed. It’s a seamless place to do all your business bookkeeping.

3. Clarity Money

best free budget app

By Clarity Money, Inc

Reviewed 4.2 stars by 4,508 people


100% free to use. Very simple features.
High-yield savings account with 1.70% APY. Involves creating an account with Marcus by Goldman Sachs Bank
Organize monthly expenses into categories. You can’t create groups.
Cancel unwanted subscriptions all in one place.
Make specific savings goals.
Free credit score checks.

The Clarity Money app has built-in AI that can help show you key information about your spending habits and help you automate your savings! Take care of your personal finance from month to month in this extremely simple budgeting app.

They also have a high yield savings account that’s highly customizable. You can decide to save specific amounts, at certain times each week or month, and even say what each savings plan is saving up for.

You can also cancel your subscriptions in one convenient location, organize all your bills, and check your credit score.


the Clarity Money Budget App is a great app for anyone who wants a completely free, super easy to use money management app.

4. Mint Budgeting App

budget app android

By Intuit Inc

Reviewed 4.5 stars by 164,702 people


Free unlimited credit score checks It’s not the most aestetically pleasing app.
Stay on top of your bills. There isn’t a desktop app, just a desktop website.
Stay on top of your spending.
See your financial analytics.
Make specific budget goals.

Mint is one of the most popular budgeting apps. It’s made by the same people who brought you QuickBooks and TurboTax.

With the Mint app, you can create a budget that’s easy to stick to, keep track of your spending in neat spending categories, keep tabs on all your bills in one spot, and even get free credit score checks. Mint also has an easy to use web app that connects to your mobile app.


the Mint Budgeting App is a great budgeting tool for those who want to improve their credit scores since Mint offers unlimited credit score checks and personalized tips and tricks on how you can improve your score.


best budget app for desktop


Reviewed 4 stars by 5,669 people

Free for 34 days

34 day free trial. Pay $11.99 a month or $84 a year.
Track your personal budget goals. Not very customizable.
Optimized for the YNAB method of budgeting.
The YNAB app is compatible with your phone, desktop, Apple smartwatch, and even Alexa!

YNAB stands for You Need A Budget, which is a company that specializes in helping people use the YNAB budgeting method to make easy to follow monthly budgets. The YNAB app will take you through this easy process and help you to set goals.


the YNAB Budget App is a good budget tool for anyone who is already invested in using the YNAB methods of budgeting. So if you need some more specific guidance when it comes to budgeting, then the YNAB Budget App is made for you.

6. Mvelopes Budget App

cash envelope budget system

By Finicity Corp

Reviewed 3.5 stars by 3,474 people

Free for 30 days

30 day free trial. Pay $6 to $59 a month.
Resources for debt.
Personal Financial Coaches available.
Digitally make use of the envelope budgeting system.

The envelope method for budgeting is popular for its incredible simplicity. If you have a very difficult time with budgeting, then the envelope method is where you should start.

The Mvelopes Budget App allows you to put money into digital envelopes that will notify when they’re empty so you don’t overspend on a specific category of your budget.


Mvelopes is the best app for anyone who wants to digitally use the envelope system of budgeting without the hassle of taking out cash and using actual envelopes. This app is also ideal for people who need help getting out of debt.

7. Money Manager

budget app for couples

By Realbyte Inc

Reviewed 4.6 stars by 10,800 people

App Price: $4.99

Free version of the app. Premium version of the app only costs $4.99 on Google Play, and $3.99 on IOS.
You can save photos. Desktop version only available with Premium.
Allows dual entry booking.
Lets you budget monthly or weekly.

The Money Manager app lets you save photos along with photos of your receipt, so you can see what you bought, and how much it cost. It also allows dual entry booking and backs up your data to Google Drive or Excel files.


the Money Manager Budget App can be extremely useful for both personal and professional use. And even though the premium version of the app costs money, it doesn’t require a monthly or yearly subscription as most other budgeting apps do.

8. Expensify

expense tracking apps

By Expensify Inc

Reviewed 4 stars by 13,989 people


Put business expenses on the Expensify Card. Not very ideal for creating a personal budget.
Scan receipts with a smart scanner.

Expensify is an expense report app that comes with its own Expensify card. With this card, you can eliminate expense reports by simply using the Expensify card for all your business expenses.

Using the Expensify card also comes with lots of benefits. For instance, when you take a client out to dinner you help pay for a student’s lunch and every time you use the Expensify card to book a hotel for a business trip, you help someone else get a home.

Now you can make business expenses and feel good about the little ways the Expensify card helps you help others.

You can track and submit receipts with a receipt scanner that can automatically detect all the important information from the receipt for you. Then, you can categorize, code, and organize all your receipts in one easy to reach place.


the Expensify app may not be ideal for budgeting, but it is the most ideal app for keeping track of business expenses and keeping track of all your receipts. If you want a safe place to keep and organize all your many receipts then Expensify is the best app for you.

9. Dave Ramsey Budget App: EveryDollar

spending apps

By Ramsey Solutions

Reviewed 4.2 stars by 6,092 people

Free without premium

You can plan your paychecks. You can only connect your financial accounts with the premium version.
It’s compatible with your desktop and mobile device. The sections aren’t very customizable.
It’s compatible with your desktop and mobile device. The premium version of the Dave Ramsey Budget app costs $129.99 every year.
The premium version is expensive but it does also offer courses from Financial Peace University.

The EveryDollar app was created by Dave Ramsey’s company to help you budget like Dave Ramsey.

Dave Ramsey’s main budgeting principle is to decide where every dollar you earn goes so that you have absolute control over every penny you earn. There’s also a premium version of this app available with EveryDollar Plus.


the Dave Ramsey Budget App is a very simple budgeting app that might just be the easiest to use. Everything is effortlessly organized for you so you can start budgeting immediately.

The only major downside to the Dave Ramsey Budget App is that the premium versions cost a lot of money, $129.99 a year, and it’s only with this cost that you can sync your bank accounts to the app.

10. Zoho Expense Reporting

expense report app

By Zoho Corporation

Reviewed 4.5 stars by 2,659 people


Dashboard helps you see the expense reports you have and haven’t sent. Not ideal for tracking personal expenses.
Can easily track your miles. No budget creation features.
Creates detailed expense reports.
Import your credit card statements all at once.

Zoho Corporation creates all kinds of useful apps for your business. One of them is an expense reporting app that lets you import credit card statements and helps you see the overall analytics for your business expenditures.

With this app, you can easily see how your business is doing financially in one place. With their easy to read graphs and charts, you can see how much your business is costing you in travel, office supplies, and client meetups.


the Zoho Expense Reporting App is the best app for keeping track of all your business-related expenses. It’s also a very useful app if you’re an employee that needs to frequently send expense reports because you can quickly and painlessly send them to your boss from your phone!

11. Wally Budget App

best family budget app

By Wally Global Inc

Reviewed 2 stars by 200 people

Free, in-app purchases

Create groups and share budgets with the whole family. App is still in development.
Manage foreign accounts, investments, and your net worth. Wally Gold costs $26.99 a year.
Automatically tracks all your spending and give detailed insights into your spending habits. Coin earning system. Earn Wally coins every time a friend uses your invite code to download the app.

Don’t let this budgeting tool’s low rankings mislead you, Wally is an up and coming finance app that has been rated #1 over 40 times by places like NerdWallet, Forbes, and The Guardian. It is quickly becoming one of the most popular budget apps and it’s easy to see why.

The Wally app even lets you create group budgets for your family and household. It also lets you create shopping lists so you can see how much your grocery trip might cost you. And their basic version is 100% free!

Because the Wally Budget App is still new, they’re still working on creating features like desktop capability. But these features should soon be on their way. But already the basic Wally app has all the budget tool features you could ever want, with bank syncing, easy customization, and the ability to create multiple groups!


the Wally app is the best overall budgeting app. It’s the perfect budget app for families and individuals and comes in a pleasant and friendly design you’re sure to love.

12. Albert Budget App

budget app for ios

By Albert Corp

Reviewed 4 stars by 3,146 people


Get a $100 cash advance on your next paycheck. Cash advances cost up to $4.99 for instant delivery.
Customize your savings goals. Without the instant delivery fee, cash advances deposit in about 3 business days.
Get a 1% annual bonus for saving. Requirements apply.
Start an investment account with just $1. Requirements apply.

The Albert budgeting app has a sleek and simple design and allows you to easily take care of all your finances.

You can even text with a professional when you need financial advice, get real-time alerts about your finances, invest, and fully automate your savings. And these professionals aren’t just bots, they’re actual financial experts that work at Albert Corp to help you with your financial questions.


the budget app by Albert Genius is a great portfolio for someone who wants easy access to some extra funds and an easy way to get started in the investment world.

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