I’m finding that new apps are coming out daily. It is definitely worth checking these out. I tend to download more than one because the one that I love may not be the one that works best for you. Plus I need to use a few before I figure out which has the features I treasure the most. Most of us don’t let our smartphones out of site so why not help manage your expenses, keep more cash in your wallet and save more money at the same time?




This app doesn’t require you input your personal account information which can be a real plus for most of us.


YNAB (You Need a Budget)

This app touts itself as a “living” budget. It’s android and iPhone friendly. Try the 30 day trial. Well worth it!



If you have done any personal finance soul searching these last few years, you have discovered MINT. I’m a fan of MINT mostly because it lets you see all your accounts in one place. It takes seconds to update. It may not be the best tool if you really want to change your habits but it is a fantastic place to start.



Be prepared, not scared. Don’t let the DIVA name fool you, this app means business. I love that I can store, virtually, all my important documents safe and secure. Who knows what will happen but it’s an excellent backup!


– See more at: Down to Earth Finance



Galia Gichon is an independent personal financial expert with more than 18 years of experience in financial services, including nearly 10 years on Wall Street and an MBA in Finance from Fordham University. She runs her own company, Down to Earth Finance, where she offers individual sessions and seminars to address personal financial needs and concerns. Galia is the author of, “My Money Matters”, a boxed set of financial cards with money affirmations, instant money tips and workbooks. She has spoken at Pennsylvania, Texas and Massachusetts Governor’s Conference for Women, and is a frequent speaker at Freelancers Union, Barnard College’s Financial Fluency Program, and Athena Center for Leadership. She has been quoted in Newsweek, CNN, The New York Times, Wall Street Journal.com, NY1, Good Housekeeping, Self, Essence, Glamour and MSN Money and much more. Before starting her own company, Galia worked at Bear Stearns, Nomura Securities, and Institutional Investor.