Changing your spending habits can be difficult without a little help. Thankfully there are a number of money management tools available these days, which won’t cost you a cent.
Money Lover is a simple way to keep track of your personal finances across a range of devices, allowing you to record daily expenses and income, set budgets based on your spending habits, and access reports on those patterns. A range of currencies are supported with up-to-date exchange rates, while you can scan receipts and receive recurring bill and transaction notifications.
Looking to develop a budget? The Competition and Consumer Protection Commission has a handy budget planning tool – input your income and expenses and you’ll get a handy breakdown of where your hard-earned funds are going. There’s also a spending calculator to help figure out where to cut costs.
PriceSpy is a handy service that allows you to search for items at the best price, comparing products and getting notifications when the price drops. For example, if you’re looking for a 1TB PlayStation 4, PriceSpy allows you to compare between 12 online and in-store retailers, including Harvey Norman, Expert, Argos, Littlewoods Ireland and GameStop.
It also includes useful information including product details, user reviews, and similar items. If you’re using the mobile app, you can also scan barcodes in stores for price comparisons.
A handy way to track and share expenses with friends, colleagues or flatmates, Splitwise allows you to pay and get paid your fair share via PayPal without friction. You can add people to your address book or set up a group, divide a bill between a number of people, and send a payment from the app.
A tally is kept of who has paid what, and reminders are sent to those who may have forgotten to settle what they owe.