This app is be far one of my favorite apps that makes my life easier! I recently found this app I'm so glad I did but wish I had found it sooner. There are so many different possibilities of viewing once you have entered the information. The choice is yours.
It didn't take long for me to update to access what I've already bought, realize I bought two of one gift, and see where I stand with a budget. Next year when I use this, I will be able to plan better. I'm still learning what all it can do. No matter what and even as is, I just love this app! Please keep it active after the holidays, because I plan to use it for birthdays, too!
This was so great and made it easy for me to stay organized about Xmas shopping Update: Second year of using this app and it has become a lifestyle! I use it to organize all my gift giving, not just Christmas. It helps me make quick note of gift ideas I get on the fly and then come back to them when I need to buy a gift, so I don't get stuck not being able to come up with gift ideas when I need them. It also gives me a more realistic look at my budget to plan ahead with spending and avoid going too overboard or neglecting someone.
When it comes to saving money, research is paramount. Various vendors might have different prices, promotional codes, or sales. After finding the best price, I can budget for what I'm going to buy and when. Which takes me to …. The holiday season brings with it the promise of big, blowout sales. But, if you're not careful, you can end up spending more money during a sale — which is precisely the stores' intention.
Don't fall victim to the allure of those big, red "SALE" stickers. Instead, plot out how to take advantage of a number of sales for different products. Adding those sale prices to your spending plan will keep you focused and on track, instead of buying frivolous items no one will ever use just because the prices are slashed. Saving money over the holidays doesn't mean you have to make a Scrooge of yourself. You can still gift and gift well, just more intelligently. Spending with intention is key to savings, while investing thoughtfully into your relationships.
Apps like Cleo can help you keep your finances on track without feeling overwhelming. With one download, you could be on your way to mega-savings. Sticking to a budget is super important for everyone, no matter how much you're making or how much money you're trying to save But it's often incredibly tricky.
One of the easiest ways to stick to a budget is by using an app specifically designed to help you keep track of your finances and hit your saving goals. One such app is Cleo , an app that, per its own website, decisively "doesn't suck. Cleo will help you budget, save, build credit, and much more, and it comes with special quirks that will make saving a bit more fun — including a "swear jar" that helps you control your worst spending habits.
A budgeting app can act like an old friend looking over your shoulder and giving you a little extra support as you try to stick to your financial goals, and Cleo is definitely the friendliest of budgeting apps around.
You're not going to want to stick to your budget if you set it way too low — then every time you look at your budget you'll find yourself disappointed and sad, and it'll keep spiraling. When you set your budget, be realistic and make sure you also have categories for emergency expenses or splurges. It's not like you're never going to splurge on your item of choice be it an expensive meal out or an impulse-bought outfit , so put that into your budget as well and figure out where else you can save or skimp in order to make room for those inevitable stretches.
No matter how you hack your budget, be sure that you make checking and reviewing it into a routine. Be sure you review your spending at least every two weeks, if not once a week, and give yourself time to grow. Like any other skill, budgeting takes practice, and you'll get better at it the more you do.
You might even try to set a timer for once a week and give yourself fifteen minutes to go over your budget at that time. It's important to start slow and build your budgeting muscle over time as well.
If you're just getting started or have a history of failing to properly budget, start with one or two categories and go from there. Or challenge yourself to save on one area each week, and then add more goals as time passes. It's important to feel like all your budgeting work has a purpose.
Finding your "why" and figuring out what you're budgeting and saving for can really motivate you to do better, and this makes giving up little expenses a lot easier. Figure out what exactly you want to accomplish with your budget, and also make sure your goals are achievable and possible. Of course you'll need savings for an emergency fund, and maybe you need to save to pay off loans and retirement; be sure you have specific goals for these categories, and also it's never a bad idea to pick a few fun things to save for.
Saving money is really hard, when all is said and done, so it might be easier for you to just automate your savings so all that cash doesn't suddenly appear in your bank account, giving you the illusion that you can buy whatever you want until you're broke before the next payday. You might want to enroll in a k plan or schedule automatic transfers to a saving account.
Even better, you can save everything in the app and use it next year. Talk about a productive holiday season. Give us the heads up by joining our exclusive LinkedIn Group and sharing your thoughts! Is something incorrect? Let us know. Languages English. All rights reserved. Price Free. Developer Website App Support. Family Sharing Up to six family members will be able to use this app with Family Sharing enabled.
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