Knowing how to properly manage your budget has become of paramount importance, especially during this period of economic instability. Forget pencils, account books and notebooks, today family budget management is now done on their smartphone. To help you make the right choice, we have selected the 3 best applications for you to closely monitor your expenses and put some order in your bank account..
Why is it important to manage your budget well?
Tired of being perpetually exposed? Have you decided to put your accounts in order and manage your money better? Now is the time to free the accountant inside you. If you think you have an allergy to spreadsheets, rest assured, there are today more effective solutions than the Excel spreadsheet to manage money effectively.
Budget management applications offer many advantages. Firstly, your accounts are accessible anytime, anywhere. You can know the exact position of your balance in two clicks . It is the ideal tool to protect yourself from favorite purchases and to no longer regret afterwards an expenditure that is not always justified..
Do away with overdrafts
By maintaining a credit balance on your bank account, you avoid unpleasant surprises but also and above all bank charges . Taking advantage of an overdraft can be tempting, but be careful not to fall into a vicious circle. Billing interest charges on an account (agios) could cost you dearly.
By more finely controlling your cash outflows, you will also be able to identify the items that represent the most important expenses in your budget (clothing, housing, food, outings, cars, etc.). This will allow you to see if there is no possibility of reducing them or making some savings..
Predict large purchases
Perhaps you have different accounts and passbooks placed in different banking establishments? Budget applications offer tools capable of bringing together all of your financial data in a single interface. You will be able to follow precisely the value of your assets and plan more easily large expenses (holidays, purchase of a car etc…).
Who has never dreamed of going on a weekend without tightening their belts? By rethinking your management mode and following the dashboards provided by the apps, you will be able to enjoy yourself while saving. It is important to build a safety net. You never know what tomorrow will be like.
Bankin 'the flagship app for tracking accounts from your smartphone
To organize your budget without having to worry, the first thing to do is to download to your smartphone Bankin '. The free downloadable application quickly established itself as an essential leader for money management on smartphones in France and Europe.
Its particularly user-friendly interface will allow you to keep your budget under control. Your expenses will be automatically grouped into different categories without any intervention on your part. You will be able to know precisely how much money you spend each month on your homes, travel, leisure.
The application also adapts to your expenses. After a few weeks of use, she will even be able to predict how much money you will have at the end of the month. But that's not all. It also has a virtual coach to help you manage your budget and thus avoid costs related to unpaid bills.
Bankin 'also simplifies the consultation of your expenses. All accounts are centralized on the same page. The possibility of making transfers directly from the app is a real bonus. No more juggling between different sites and credentials to save money.
The Bankin 'application will advantageously replace those offered by the various financial organizations. She has managed to make managing bank accounts sexy and fun. We are far from the old accounts of our grandparents.
Linxo
Since the arrival of smartphones and the Internet, it is now inconceivable to do your accounts with a pencil and a calculator. If Bankin 'is a leader, there are equally effective alternative applications on the Play Store.
The Linxo app (name difficult to pronounce) offers an intuitive interface. You have not entered your expenses and receipts (wages, pensions, capital income, rents). The tool synchronizes automatically every day with the various establishments with which you have an account (passbook, current account, life insurance, PEA and I forget some). You will be able to know where your money is going, identify your weaknesses and optimize your budget.
A pro version exists (paid) with additional functionalities. Among other things, it allows you to forecast your account balance (forecast), to add your own categories but also and above all to remove advertisements from the interface.
Budgea
If you are not completely satisfied with the budget management applications presented just above, you can opt for Budgea. It has the same functionalities as these main competitors such as the distribution of expenses. 
You can view your accounts in one click or estimate your balance at the end thanks to its financial forecasting algorithms.
This solution keeps the history of account movements without time limit. The alert system keeps you informed of changes in your investments and expenses. So no more surprises in case of overshoot.
The application goes even further with a completely new system for automatic recovery of your invoices. A very practical solution especially for users allergic to the touch keyboard. Note that Budgea is compatible with no less than 200 financial institutions.