Top Budget and Personal Finance Apps

Let’s face it, there are some extreme couponers, thrifters, and smart consumers out there always trying to save money and get the best deals. With budgets that much more tight in these tough economic times, it’s okay to get a little help from none other than our smartphone apps. I mean, why not, right? We have our smartphones with us nearly every minute of the day, so this kind of smart budgeting is accessible to anyone. Keep track of your monthly spending, set limits on each category of goodies you purchase, save money, and look up investment ideas and accounts has never been easier. Read on to see how you can always control and be on top of your personal finances. We’ll reveal the top budgeting and smart spending apps for you thrifty shoppers out there!

For one, there are so many budget tracking apps out there, but a really useful one would come with a budget tracker tool that will allow you to view your yearly, monthly, weekly, and daily purchases. You can further categorize them and see visually and through charts and notifications how much you spend exactly in each category. There is also a rollover option for you to transfer leftover funds from previous months or weeks to roll over and won’t mess up your budgeting. Of course, you can always opt out of this option and have a set number of expenses every month.

Another useful app gives you control to add new transactions over your allotted sum of money and spending finances. Pre-setting an overall budget for the entire month, and thereby deducing every time you make a purchase gives you instant updates on the money you have and the money you are losing. These transactions are totally customizable. Currency converters may also be useful if you plan on spending your money in a foreign country. We all get carried away when we travel, but this app makes it easy to stay focused on the budget, even when you’re not familiar with the currency exchange.

Another great app gives you total control over importing your finances onto your phone from an external memory device – your laptop, desktop, or anything with wireless. You can also set a password to manage your personal finances with utmost privacy. Charts and graphs give you short and easy to read summaries of your account activity. You can share these things in the form of PDF, Excel spreadsheet, or import to Google Documents in order to share with your family, business collegiate, execs, or co-workers.

If you are comfortable, some apps may even connect directly to your bank account and give you automatic categorized notifications of your spending. It will constantly update your spending profile and read instant in depth overviews. Any suspicious activity will be announced. Budget tracking is that easy!

In fact, budget tracking has made it easier to keep track of your credit scores, and credit score reports. Why not try to improve your credit score while you are managing your personal finances? If you use the right app, your personal finances will be in a much better place.

The Best Free Android Finance Apps

Obviously many people will be skeptical as to how good free apps actually are, with many consumers actually purposefully not downloading free apps due to fears that they will crash or being infected with various ways of stealing your money. However these fears are totally unfounded and without evidence so do not let this put you off. Now to the apps:

PayPal

If you have been on the internet at some point then you will have undoubtedly heard of PayPal. The service facilitates payments between people via a simple email address, avoiding the complexities usually associated with bank transfers and the like. The PayPal Android app allows users to manage their PayPal account just as they would through the official website. The app is totally secure and allows you to make purchases or deposits also amongst other activities on the move, a very useful addition to the marketplace.

Quote Pro

Quote Pro is also an incredibly useful app, used by many on a daily basis it has fast become one of the most downloaded in its range. Not only can you obtain extremely detailed and accurate information about the range of stocks you have an interest in, but you can also keep an eye on your portfolio of stocks and shares.

Tip Calculator by TradeFields

Tip Calculator is perhaps one of the most imaginative apps I have personally seen on the app marketplace. It is incredibly useful for an aspect you will have probably have struggled with every time you’ve been out for a meal, the tip. Not only will the app inform you of the total tip you should be leaving behind, but will also divide the total tip amount between the number of people at the dinner, saving much embarrassment, delays and napkin calculations!

Currency Converter

How many times have you been in a foreign country or at the airport and have been wondering how much you will actually get in return for your dollars? Numerous times in all probability. The currency converter provided by Pocketools will enable you to be provided with an accurate, up to date and independent currency exchange valuation allowing you to shop around to find the best exchange rate. Not only does this app provide you with the current exchange rate, it will also give you data on the currency of your choice over the last 5 year period through the use of many easy to read graphs.

Mileage

This is without doubt one of the best apps I have personally seen. With the rising prices of gas which look set to continue for the foreseeable future it is a great way of ensuring that you are driving as economically as possible and therefore saving as much gas as possible. I haven’t an idea about how it works but it does, the interface is also extremely slick, simple to navigate through and to understand.

Finance

Finance, whilst the name of the app may not excite you or conjure up ideas that this app is going to change the world it certainly fills a gap in the market which needed a simple app. It’s similar to Google search in many aspects, it provides a very basic user interface, but one that is incredibly effective and performs its job excellently. If you already use Google Finance or are considering starting to use it then this app is vital, it synchronizes everything meaning it’s like being on your main PC.

Financisto

Financisto is another great money manager. The ability to create long and short term budgets for holidays, short breaks or just a simple shopping trip is a real plus point for this app and one which has seen it rocket in terms of popularity. In addition to this the app has the capability to check your recurring payments amongst many other essential financial activities; this has left many users of the marketplace wondering why there is no charge.

Accounting, Engineering, and Computer Science Salaries on the Rise

In the Spring 2010 issue of Salary Survey, the National Association of Colleges and Employers (NACE) announced that starting salaries for accounting, finance, engineering and compute science majors are on the rise. This is in the face of decreases in starting salary offers for other recent graduates who majored in business administration, marketing, or liberal arts.

So what does this all mean for you? If you’re majoring in one of the following majors, or thinking about studying one of the following majors, here’s exactly how much extra money you can expect to have in your pocket after you sign that starting contract:

Accounting Salaries: Up.4 percent to $48,575
How to start an Accounting Career:
Accountants provide valuable services to individuals, independent businesses, and large corporations alike. An accounting degree will help teach you everything you need to know for this career, and prepare you to take the Certified Public Accountant (CPA) exam.

Computer Science Salaries: Up 4.7 percent to $60,426
How to Start a Computer Science Career:
If you spend any part of your day working on a computer, you know how invaluable computer science professionals are. As computers become more and more integral to our daily lives, the opportunities for this career path are endless.

Chemical Engineering Salaries: Up 1.6 percent to $66,437
How to Start a Chemical Engineering Career:
If you loved playing with your chemical set as a child, you might enjoy a career as a chemical engineer. These professionals combine physical sciences, such as chemistry, with life sciences and math to produce some of the most valuable materials and chemical processes of our time. To get started, you’ll need a Bachelor’s degree in chemical engineering. Visit our Bachelor’s degree programs page for information on Bachelor’s degree programs.

Civil Engineering Salaries: Up 1.3 percent to $52,443
How to Start a Civil Engineering Career:
Next time you drive over a bridge, pass under an underpass, or head to the airport, remember this: all of these structures are the work of civil engineers. A civil engineering degree will teach you how to study different environments and build structures that will survive the elements (and be completed on time and on budget).

Electrical Engineering Salaries: Up 3 percent to $59,326
How to Start an Electrical Engineering Career:
To become an electrical engineer, you’ll need to know how to build, test and develop the hottest new electronic items and devices. A Bachelor’s degree in engineering will get you on your way. Visit our Bachelor’s degree programs page for information on Bachelor’s degree programs.

Finance Salaries: Up 1.6 percent to $50,546
How to Start a Finance Career:
A finance degree can open the door to careers in financial analysis, financial auditing, and business. To find finance careers and degree programs, visit our financial analyst career profile.

Financial Planning Salaries

Financial planning is a lucrative job today. With more and more people earning more and more money, it is logical to assume that more and more people will look for advice in planning their financial activities. Basically, a financial planner is someone who helps a person to manage his or her finance in the optimum manner possible. The financial planner finds out suitable investment avenues for a person based on the person’s attitude towards risk and sources of income. Generally, people with MBAs or with some other degree in finance are considered for the job of financial planning. There are plenty of companies in the financial sector today other than the conventional banking institutions. They offer a variety of financial solutions. For example, one can invest in the stock markets of any country, not just in the one’s own country, through certain funds offered by these new-generation non-banking financial institutions. In such situations, a financial planner is inevitable. Also there are independent financial planners who work as consultants. A financial planner should be well versed in financial and taxation laws and should have a thorough understanding of the intricacies of the financial sector.

Financial planners are one of the highest paid executives in financial sector today. In a single year, there has been an increase of around 25% percent in the salary of financial planning professionals. But the industry is experiencing a brief lull at present because of the sub-prime crisis in United States and the plummeting stock-market indices all over the globe. The average annual salary of a senior financial planner has come down to less than $80000/-. It was around $64000/- a year ago and touched $81000/- in January this year.

In the financial planning sector, there are many posts. Examples are given below (average salaries in United States in entry level are given in brackets): certified financial planner ($59000), personal financial advisor ($46000), financial planner ($47000), associate financial planner ($40000), administrative assistant ($30000), administrative manager ($37000), and executive assistant ($40000). As you can see, the salary varies significantly with the nature of the job. A fresher in the financial planning industry is likely to get a salary of around $37000 to $40000 in United States. Naturally, the salary will increase as the financial panning professional gains experience. The general trend is that there will not be a substantial increase in salary in the first four years. But once the person passes that four year mark and gains some experience, the salary hike shifts to top gear.

However, there has been criticism about the increasing salaries of financial planners. The financial sector has been undergoing a mini crisis in the last few months. But most financial planning executives are still drawing high salary. Some financial columnists are arguing that even at the time of crisis, the bank balance of the financial planners in fattening up, while bank balances of their customers are drying up.

5 Best Android Tablet Finance Apps

For Android tablets, the common reason for buying them may be for entertainment and leisure. Did you know that Android tablets are also proven useful in the financial world? Android has offered so many finance apps in the market which are very much relevant and useful to your every day financial needs. Whether you want the latest finance news or you need to make monetary computations, finance-related Android apps have got it all for you. Here is a list of the five best Android finance apps in the market:

1. Finance

Ever wanted to have a personal financial planner but you just can’t afford to pay for one? Simply called Finance, Android has come up with a powerful app which strips you of the need to hire a personal planner. Finance is an app which is capable of providing you with the most recent updates about the stock market. The best feature of this app is that it provides you with stock quotes which are very much reliable because they are quoted real-time. This app also syncs well with your stock portfolios which are loaded in Google Finance.

2. Real Estate Droid

If it is your dream to be a real-estate businessman someday or to be a licensed real estate broker, then this finance app is the best deal for you. Real Estate Droid comes with features which can, for one, search houses for sale. Once you find a catch, you can search information about its neighborhood with real-time updates. With this app, you can also check out mortgage quotes made by real lenders and compute for mortgage loans. You can always take advantage of the built-in loan calculator.

3. Financisto

Financisto is a finance app that is very much capable of doing many things. For one, it lets you add multiple types of bank accounts and even a multiple number of accounts per type. This means that you can add checking and savings accounts together into your file manager. For both types, you can add more than one account. With Financisto, you can also monitor which among your payments are recurring. Once you see the pattern, you can schedule them to make sure you don’t lag with your payments. This app can also help you create either a short-term or long-term budget.

4. Karl’s Mortgage Calculator

If Real Estate Droid is not enough for your mortgage needs, then you can always opt for a more specialized finance app, which is Karl’s Mortgage Calculator. By using this app, you can calculate how much mortgage you should be paying in the future and you can even visually see the results with its easy-to-read charts and graphs. This app can help you compute for your future payments, given the principal loan amounts, interest rate and terms. Karl’s Mortgage Calculator, however, is limited to supporting interest-only amortization and Canadian computations.

5. PayPal

Almost everybody knows of PayPal now. With the PayPal Android app offered in the market, you can do all things you normally do on your PayPal account. The bonus point here is that apart from being able to pay an item, you can also help hasten its delivery process. So, if you’re dying to take hold of that most recent Victoria Secret scent, then you don’t have to wait for the normal number of shipping days just to have it. You can always make it two or three days earlier with this app. With PayPal app at your reach, you can always access your PayPal account anytime you want.