Apple picker Commercial message: Are you old school and like everything to be close at hand? Cash money and a family budget on paper is what describes you? Don't resist the online world, the internet will help you manage your personal finances, and thanks to clever mobile applications, you'll learn to keep your money under control and you'll never be surprised by a zero in your account again.
There are a number of mobile applications, some help with a balanced budget, others are excellent at sorting monthly expenses, and there are also some that will help you never forget to pay off your loan.
A mobile app from your bank is the foundation
Before we dive into external mobile apps, let's focus on your bank's. Mobile banking it has one big indisputable advantage over the Internet, you can use it open anytime and anywhere, unlike a computer, most people always have their mobile phone with them.
And what does the banking mobile application offer? The ability to enter payments, check individual transactions, arrange a loan, overdraft and some even insurance. If you have multiple accounts, you can easily switch between them, whether it's a current account, savings or loan. In addition, most mobile applications will provide you with clear graphs that compare your monthly income and categorize your expenses.
Unpaid bills don't have to bother you anymore on the kitchen table, just pick up your phone, open mobile banking and take a picture of the QR code, no complicated copying will await you, all the necessary data will be loaded.
What other mobile apps are there?
Even mobile banking is not enough for perfect financial management, sometimes it is necessary involve the family in budget planning, other times it is necessary to have perfect overview of debts, forget about credit can easily be done, and one late payment can cut a real mess.
For managing a joint account, for example, the Czech application eÚčty.cz is ideal, another domestic application Speende is very popular not only here but also abroad. It also offers the possibility of reading data from a store receipt, thanks to just taking a picture of it, and also provides a financial overview in the ever-popular Excel spreadsheets.
Other widely used mobile applications include My Budget Book, Wallet, Money Manager Expense & Budget and Cash. Some apps are completely free, for others it is necessary to pay a small one-time fee, usually in the order of tens of crowns, there are also versions that charge only for above-standard financial instruments.
The mobile phone offers countless possibilities, thanks to it we can have personal finances with us, even though the wallet is empty. Today it can be done normally also pay with a phone equipped with NFC technology, just attach it to the contactless terminal and you don't have to worry about anything, for purchases up to CZK 500 you can do without a PIN. So why not try to exchange paper, pencil, ATM and stuffed wallet for mobile technology?
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