![]() ![]() Another bonus is if you owe money to someone in another country, you most likely can pay them in their currency. PayPal also is associated as a payment method with several companies, including when you buy products from Etsy or concert tickets from Eventbrite, so it makes paying friends - and businesses - super easy. One big difference is, if you’re more of a private person, there’s no social experience with PayPal as there is with Venmo (cute emojis and your friends knowing you paid someone else via newsfeed). PayPalĪ spinoff of eBay, PayPal owns Venmo but operates separately. Like other apps, Venmo charges a fee (3%) if you pay a friend back with a credit card, so it’s best to use the cash you have in the bank. ![]() VenmoĮasily the most popular mobile payment app - enough that people use “Venmo” as a verb - you can pay friends with your Venmo balance, your checking account, a debit card, or a prepaid card. While Google Wallet and Apple Pay also are on the market, they’re not currently used as much as the following peer-to-peer heavy-hitters. If you use a credit card, however, there is an associated fee. These apps are tied to your bank account, so you can easily withdraw money directly from your checking or savings. If you’re eating out with friends, it’s easy to split the bill by sending cash through one of these apps to your dining partners later. Outside of Mint, which can essentially monitor everything and reduce the need for multiple apps cluttering up your phone’s memory, you’ll want one of the easiest ways to pay people on the go: Venmo, Paypal, SquareCash, or Zelle. See also: Financial Planning for Beginners: What You Need to Know 2. Mint does this for free monthly, so you can see how you’re doing on your credit card usage, account history, and any late payments that may affect your score. You can customize short- and long-term savings goals, too, from saving up for a summer vacation to planning for retirement. Mint will track your spending to the minute and let you know how you’re doing on your monthly budget for housing, food, fuel, and fun. Seeing all of your transactions at a glance will save you time from signing into all of those accounts separately. You can connect your checking, savings, and credit card accounts, in addition to investments, loans, and even property (your car, house, etc.). Monitoring of all your connected accounts.You can access Mint via desktop and mobile, and set it up to alert you to specific transactions, low-balance amounts, new credit scores, and more. A lot has changed since then (after all, the very first iPhone was released in 2007!), but Mint has remained a free service for its users. Mint was one of the first personal finance apps on the scene, arriving in 2006. When Personal Finance Apps Don’t Cut It.Your Favorite Spreadsheet (or a Budgeting App) ![]()
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