If you’re looking to get on top of your finances, your smartphone or tablet is your best friend. Armed with your bank’s mobile app (Bank of America, Chase, Citibank, and many others offer them) and some expense-tracking tools, you’ll never be surprised by that monthly statement again.
Free (Android, iOS); www.mint.com
Rather than logging into each of your accounts separately, use Mint’s mobile app to get a real-time overview of all your financial transactions. The app separates your info into categories for cash, credit cards, loans, investments, and property, so you’ll never have to second-guess your current balances. Beyond helping you keep track of accounts, Mint calculates your average spending and helps you set a budget and savings goals.
Free (Android, BlackBerry, iOS, webOS); www.expensify.com
Like Mint, Expensify lets you upload bank account information so you can track your spending. But this app goes one step further, providing a handy way to submit work expenses for reimbursement. You can capture receipts via your smartphone’s camera and record your mileage to submit with the app’s report template.
Free (Android, iOS); www.couponsherpa.com
Though scores of coupon apps are available, most of them only offer rebates at obscure retailers or online stores. With deals for Barnes & Noble; Macy’s; Target; and more, Coupon Sherpa is one discounts app that’s worth the download. You can tweak the settings to display coupons for only the stores you shop at and load grocery coupons onto store loyalty cards so you simply have to scan the app at checkout.