4 Personal Finance Apps You’ll Fall In Love With

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To honor the month of February, a month reserved for lovers (and, I suppose, fans of Punxsutawney Phil), let’s talk about a few personal finance apps I love.

Like many of you, I typically cycle through a variety of apps and abandon them after minimal usage. However, these four have stuck with me for the long haul. So, if you’re looking to find the perfect financial app for you this month, check these out.…

Can An App Actually Make Banking “Simple”?

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Is there anything more annoying about the bank than waiting in line? OK, maybe there are a few things—like overdraft fees—but it’s not the most pleasant experience. You fill out the deposit papers, you wait for the “next in line, please,” and you slowly get through your errands. I don’t know about you, but the whole process takes a toll on my day.

But now, in this age of technology, mobile banks are sprouting to life and the notion of joining a big bank for accessibility purposes is slowly dying. You can control your finances on your phone and not pay a fee for using random ATMs. You don’t believe me? Yeah, I wasn’t too convinced either until my friend talked to me about Simple.com.

I figured I’d give Simple a shot to see whether it fit my banking needs. Here’s my review.…

How I Found The Right Savings Account For Me

Sometimes a piggy bank just isn't enough. There's no way this poor little guy can eat all that.
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I ventured to the bank the other day to open up a savings account. I opened the door and went up to the counter.

“How can I help you today, Miss?”

“I would like to open up a saving account,” I replied.

“We have passbook savings, money market accounts, certificates of deposit, what do you think you’re interested in?”

I nodded and walked out the door.…

How I Chose To Go “Direct” With Deposits And Withdrawals

Ahhh, life without a checkbook. Paradise.
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I’ve never been a huge fan of paper. It’s messy.

Whenever I clean out my desk, I fill at least one heavy-duty trash bag with crumpled papers. Without fail, I accidently throw out important documents every time. From job applications to tax forms, I have found myself swimming in my paper shredder’s excrement more than once, trying to salvage even a little bit of what I need.

That’s why I ended up opting for direct deposit with my checks and direct withdrawals (auto-pay) with my loans. With each, I’m never searching for money I have already earned or spent. Here’s how I reached these decisions, and why either may be right or wrong for you.…