Babbling Beauty

The Money Management Tool You Didn’t Know Was In Your Pocket

Money management. It’s like a curse word, isn’t it? Just the thought makes you want to wash your mind out with soap and never think of it again. But, alas, unlike any actual curse word, money management is one of those things we’re all expected to get a grip on. It becomes clear from early on that failure here will see you struggling throughout your life. As such, you have no choice but to think about those dirty words a lot more often than you feel comfortable. There may well come a time when the m-word is the only one which ever does cross your mind. You filthy beast.

Joking aside, money management is a serious issue. No matter how offensive we find the thought, we can’t get anywhere without paying it some attention. Everything from the roof over your head to the food in your belly comes down to this one little thing. Which begs the question of what happens when you can’t get the hang of it?

Unlike the piano lessons you gave up when you were ten, this is something that you can never turn your back on. Instead, you should work hard to find a way around this issue which makes sense to you. In short; you need a teacher who can explain the ins and outs as though you’re back in school.

Lucky for you, the majority of us carry a teacher around with us already, we just don’t realize it. We are, of course, talking about your mobile phone. Why wouldn’t we be? Everything’s gone mobile nowadays, and money management is no different. Even better, you’re probably already well-versed in the workings of your phone. So, this could be all it takes to lead to a sound financial future. We know what you’re thinking, though; how can my mobile do what I’ve never managed? Read on to find out all about the secret world of mobile money management.


Appy saving

Apps are, by far, the best option for finally mastering money management. The best thing about these is that they’re something we all know how to use. The chances are that you head to the app store on your mobile every single day. So, why not make use of the many saving and money management apps available? There are a whole host of options to choose from, but some which are well worth your attention include:



  • Manilla. This handy little app is the ideal money management tool. It allows you to connect everything from your bill to your credit card. It then displays your outstanding balance for each account, as well as outlining when each is due. You’ll never have an excuse for overspending or missing bill days again with this at the tap of a screen.




  • Pennies is a simple budget app which helps you track how much ‘fun money’ you have to play with. All you need to do is type in your spare money at the start of each month, and make a note of every expense. The app will automatically configure to show how much you have left. Again, this is fantastic for both keeping track and avoiding the curse of the overspend.




  • Penny, not to be confused with the app above, is unique in that it speaks to you through an AI. Penny will message you about everything from bill due dates to raises in prices. She’ll also give you tips and tricks to improve your spending habits. If you’re worried that you’ll download a management app and forget about it, this is the one for you. It’ll make sure that you really can’t put money to the back of your mind whenever you fancy.



These are by no means the only options available. It’s worth doing a little research to find apps which suit your monetary needs. Get into the habit of using these on a regular basis, and you won’t even need to think about management here anymore. The apps think for you! All you need to do is commit to giving them the right info.

Online applications

Once, applying for anything involved going to the bank, booking appointments, and a load of effort. Forms and such were usually done in front of bank staff who put you on edge and led to mistakes. It’s no wonder, then, that you’ve held off getting that much-needed loan. It’s no surprise that you haven’t set up that high-interest savings account. In-bank stuff isn’t anyone’s idea of fun.

The good news is, with your mobile to hand, you can apply for most of these things wherever you fancy. In fact, opening a bank account is about the only thing you need a meeting for nowadays. If you already have an account, you’re free to apply for new savings accounts, credit cards, and whatever else you fancy. Even a loan doesn’t require an in-person meeting anymore. If you’re applying with your bank, use your mobile to do so on their website. As outlined in this Jora credit review, companies like Jora even offer next day approval for online applications. That means you could apply on your mobile during your bus ride home, and have the money you need the next day. Isn’t that what financial dreams are made of?

Mobile banking


We’ve saved the best until last. Anyone with a mobile MUST make the most of mobile banking. This is perhaps the best option of all for those living on a small budget. Forget spending without seeing where your money is going. With mobile banking, you can check your balance after every purchase. Again, this eliminates your risk of overspending. As if that weren’t enough, mobile banking also allows you to track direct debits, and to move money at will. There’s no need for saving to be difficult with this baby. All you need to do is get out your mobile and transfer your monthly savings the moment you get paid. Hey presto, you’re on top of money once and for all!

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