Fintech is changing the way we do finances. You no longer have to go to a bank, hire a human stockbroker, or use coupons at the store. With your smartphone in hand, you can do all of this and more at a fraction of the traditional price (and often free).
If you’ve ever wished someone could just do your budgeting for you, enter Digit the smart financial assistant. Digit thinks for you. After analyzing your bank account and spending patterns, Digit automatically saves money every day putting it toward your goals.
If you’re like most people and pay yourself last, this is the app for you. There’s no more conscious saving – it’s done for you and before you know it, you’ll achieve your goal to save an emergency fund, have a down payment on a home, or even take that dream vacation.
Are you tired of overpaying each month but have no idea where to cut? Try Truebill, the app that automatically evaluates your spending and bills and shows you where you can cut back. Just download the app, connect your bank accounts, and Truebill does the rest.
Truebill can cancel your unnecessary subscriptions, show you where you spend (and overspend) and negotiate lower bills for you. Truebill also helps you meet your savings goals, helping you to achieve overall financial wellness with one app.
If you want to invest but don’t want the headache of managing your portfolio, let Betterment do it for you. This robo-advisor choose your portfolio based on your risk tolerance and financial goals. It’s a hands-off approach to investing and it doesn’t require a minimum opening deposit.
Download the Betterment app, answer their simple questions about your risk tolerance and goals and they do the rest. Betterment invests your money in a portfolio of ETFs that best suits your needs. Betterment automatically rebalances your portfolio when it gets off balance and minimizes your tax liabilities using tax-loss harvesting.
If you want a more hands-on approach to investing but are just starting out, try M1 Finance. This hybrid robo-advisor guides you through the investment process, helping you choose diversified portfolios, but lets you do the work.
It’s like getting the best of both worlds – the affordability of a digital advisor with the assistance of a human advisor telling you what to do. M1 Finance is the perfect option for investors breaking away from traditional robo-advisors, like Betterment, but who don’t want the expense of a traditional human advisor.
Earny pays you to shop. You earn cashback on purchases you’d normally make. Earny pays up to 20% cashback on purchases at major retailers. Just install the free Chrome extension, activate the offers you’ll use, and earn cashback.
If you’re an avid Amazon shopper, Earny also tracks the prices on your targeted products, letting you know when the price hits your target price.
Check out how your smartphone can change the way you look at money. It’s not as hard to save for financial goals, do your banking, or make your money work for you when you have these fintech apps working for you.
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