Overdrive Magazine | Trucking Business News & Owner Operator Info
Issue link: http://read.dmtmag.com/i/778830
60 | Overdrive | February 2017 5 APPS FOR THAT Mint Mint allows users to input bank accounts, credit cards, bills, investments and more. It tracks money from all of your accounts in one place. The app also shows your credit score and gives tips on how to improve it. Bills can be paid directly from the app, allowing you to track your balance as the bills are paid. It also offers tips on where you can save money, allows you to create budgets, gives bill- pay reminders and allows payment scheduling to help avoid late fees. Albert Albert, like Mint, allows you to link all of your financial accounts so all of your assets are viewable in one place. Albert has its own savings feature that is FDIC-insured up to $250,000. Users of Albert Savings can withdraw the money at any time for no charge. Albert also offers tips on improving your financial health, keeps track of insurance payments, gives notifications for upcoming bills and more. Albert is available only on the Apple App Store. Prosper Daily Prosper Daily keeps track of your finances and sends alerts to your phone when it detects unwanted or fraudulent charges. It can alert you if one of your credit or debit cards is used away from your current location. Other identity protection features are available for purchase, including credit monitoring, Social Security Number fraud alerts and more. A credit card optimizer gives tips on how to minimize interest and fees. Free reporting of your TransUnion credit score is available. Prism Prism helps you keep track of your bills and account balances for everything from bank accounts to gift cards. It supports major credit cards and most chain retailer cards. When linked to a bank account, it will notify you of any automated deposits as a reminder and let you know what you have available for spending. Like Mint, it allows you to pay bills directly from the app. It also will give notifications for upcoming bills to help avoid late fees. Spendbook Spendbook doesn't link to bank accounts and credit cards, but relies on you to input where you spend your money to manually keep track of your income and expenses. A calendar view allows you to look back at any date to see what you spent or earned when and where. Charts break down your spending into different categories to help you see where your money is going. Spendbook is available only on the Apple App Store for $1.99. Keeping tabs on personal finance BY MATT COLE F or over-the-road owner-operators, keeping track of checking and credit card balances, bills coming due and other money management matters can be tough. It's even harder when there are separate business and personal accounts. Most banks and credit unions have their own apps, which can be helpful for monitoring individual accounts. However, most of the apps below are geared toward centralizing your financial information from multiple accounts. Some have extra personal finance features, such as budgeting, paying bills or setting up automatic deductions for a savings plan. Getting full use of these apps requires a little time to set up since account numbers and other data have to be entered, but it can be time well spent. All apps are available for free on the Apple App Store and the Google Play Store unless otherwise noted.