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  • [Infographics] 7 Modern Tools for Managing Your Finances More Effectively

    20 January 2020


    [Infographic] 7 Modern Tools for Managing Your Finances More Effectively

    Just like everything else, there are multiple ways to manage your finances. With today’s wide range of available budgeting tools, you’ll have to find the one that’s best suited to your specific needs. However, to better manage your money, you must first know your financial literacy level and establish a sound financial bucket list.

    Although we live in an era where digital innovation dominates the world with accessible apps for all sorts of things, there are simply people who want to untether from technology—hence the recent comeback of analog, even in dealing with personal finances.

    If you are looking to go the traditional route, then a simple pen and paper solution to money-management can be the best method for you. To build the habit, you can try out some printable budgeting templates to help you track and organize your spending offline.

    But while the pen and paper approach is useful, automated financial tools can be just as practical with a myriad of additional advantages. In the digital age, where almost everything is done through the tap of a button, digital tools may help you manage your finances more effectively.

    In this post, we’ll take you through the seven best digital tools you can leverage today.

    [Infographic] 7 Modern Tools for Managing Your Finances More Effectively
    1. Microsoft Excel and Google Sheets

      Managing your finances, insurance plans, and investments may sound laborious, but with Excel and Sheets, you can make use of various budget-building formulas and tools for a more efficient process. Rather than creating spreadsheets from scratch, you can get started right away with these free, downloadable, plug-and-play spreadsheets:

      • Vertex42 Budget Templates
      • The Balance’s Best Budget Spreadsheets
      • Budget Planner Worksheet
      • Free Household Budget Spreadsheets

        Pros
        : They are highly accessible with free, customizable templates. Also, there are handy functions that provide data analysis and financial forecasting solutions suited to your needs.

        Cons:
        Mistakes are easily made when importing data into complex or unfamiliar spreadsheets. Also, it can be too complicated for those who only need a quick way to record expenses.
         
    2. BlueCoins

      BlueCoins allows you to seamlessly sync and access your financial data across multiple devices. To help you better manage your finances, it provides comprehensive reports that enable you to keep track of your credit cards, expenses, loans, and debts, among others. Also, it has customizable budgeting categories that allow you to view data per week, month, quarter, or year.

      Although you can download the app for free, to gain full access to its unique features, you must pay for a one-time premium upgrade of $8 (or the equivalent in your currency).

      Pros
      : It provides you with in-depth financial data reports that can be exported as PDF, Excel file, or HTML file. Also, it allows flexible budgeting while predicting expenses and notifying you with your remaining balance.

      Cons
      : BlueCoins’ main dashboard can be overwhelming as it features detailed information rather than simply showing a basic overview of your financial data. Another downside is that it’s only available on the Google Play Store.

    3. Mint

      Mint is for finance newbies who want to monitor spending, track bills, and create budgets per category. With its all-in-one capabilities, you can easily link your bank, credit card, loan, and investment accounts. Plus, Mint generates valuable budgeting recommendations sorted into categories to help you identify areas where you can potentially cut back your spending.

      Pros
      : Mint allows you to consolidate all your accounts, categorize spending habits, provide real-time transaction updates, and analyze data to produce individualized financial recommendations based on your personal needs. It also alerts you of unusual spending and monthly bills.

      Cons
      : Mint regularly notifies its users with credit card offers and other services—while this can be helpful to some, it can be a nuisance to others. Also, Mint has recently discontinued its bills payment feature, but you can still add and track your bills.

      Aside from its web interface, Mint is also available for iOS and Android.

    4. Goodbudget

      Goodbudget is based on the envelope system—without the need for actual envelopes. This digital tool allows you to monitor your monthly income by dividing your budget into categories. In having separate virtual envelopes, you can split your budget into specific areas, including bills, groceries, transportation, and medical expenses, among others.

      Goodbudget is ideal for people who, more often than not, deal with cash and is into a more traditional and straightforward budgeting program to avoid overspending.

      Pros
      : With handy reminders, Goodbudget puts an end to impulsive spending. It also allows you to portion off your income months in advance and create up to 20 different envelopes.

      Cons
      : The envelope budgeting system requires discipline in strictly following the set budget per category. Plus, unless you create a specific envelope for your emergency funds, unforeseen expenses might not be taken into account.

      Goodbudget is available on the web and as a mobile app on the App Store and Google Play.

    5. Money Lover

      Money Lover offers a wide range of valuable functionalities to help you manage your money with efficiency. You can plot and track your expenses, link your bank accounts, create different wallets, attach photos, set transaction reminders, and get informative financial reports. At its core, it is both a digital wallet and a savings planner.

      Pros
      : One of Money Lover’s unique features is that it enables you to link certain types of cryptocurrencies. It also helps you stop overspending with separate wallets—just like in Goodbudget—and reminds you of scheduled bills payments to avoid overdue fines.

      Cons
      : With various functionalities, it might take some time to get the hang of all the functions Money Lover offers. The app also comes with a lot of ads that may interfere with your experience.

      Money Lover is available on the web, on the Windows App Store, and as a mobile app on Google Play and App Store.

    6. You Need A Budget (YNAB)

      You Need A Budget (YNAB) helps you budget your income to reach specific financial goals, be it for vacation, housing loan, or education expenses. You can successfully save up for a particular expense by linking your bank accounts, allocating a certain amount of your income into categories, and sticking to your budget.

      Pros
      : YNAB provides you with a useful list of preset spending categories to get you started, and a Debt Payoff function that allows you to monitor and clear out your debts. In case of unexpected expenses, YNAB helps you reorganize your finances and get back on track with its built-in Accountability Partner feature.

      Cons
      : Although it seems like the perfect budgeting tool, it doesn’t come without a downside: YNAB is only free for two months. After that, you are required to purchase the premium version of the app.

      YNAB is available on the web and as a mobile app on App Store and Google Play.

    7. Wally

      Designed for people who are always on the go, Wally is both a budget tracker and a lifestyle app that treats your expenses as experiences. Rather than manually logging every transaction, Wally can automatically categorize each expense and identify the venue where it took place through GPS integration on your phone. Now, you can manage your finances with convenience.

      Pros
      : Aside from the banner with your remaining budget on the main page, you can also allow the app to alert you whenever you reach a certain savings goal through smart notifications.

      Cons
      : Although the app offers a scanning feature for receipts, it may not be as reliable. Another downside is that for you to fully maximize all the other features of Wally, you are required to purchase the premium version of the app.

      Wally is available on the App Store and Google Play.

    While the pen and paper approach can be effective, integrating a digital tool to complement this traditional money-management solution can help you reach your financial goals with convenience. Jumpstart your budgeting makeover with the right tools by reaching out to a Bancassurance Sales Executive at any of our 900 BPI branches today!

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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