There are only so many hours in a day to manage everything from house chores and work to preparing meals, staying in touch with family and friends, and taking care of your kids, pets, plants, etc. When you add in multiple financial management obligations like remembering payment deadlines, allocating funds to the appropriate accounts, tracking your spending and regularly putting money into savings, life can get pretty hectic!
Fortunately, there are plenty of new, innovative solutions for simplifying consumers’ busy lives, and I’m not just referring to robotic vacuum cleaners (though those are certainly helpful!). Take PocketGuard, for instance. This app is designed to transform your personal financial management strategies by streamlining the budgeting, payment scheduling, and spending-tracking processes for you.
Even if you enjoy manually managing your financial records but you could use some additional help with organization, PocketGuard is an awesome tool to add to your existing routine. Some of the many exciting features this all-in-one personal finance app include:
- All of your finances in one place
- Tracking your spending
- Automate and personalize your budget
- And other benefits…
Connect Your Finances in One Place
With PocketGuard, you can easily link up your credit cards, debit cards, loans, checking & savings accounts, and investment accounts in one convenient, secure, digital location. This gives you a comprehensive view of your current financial situation, so you can assess whether your saving, repaying, and spending habits are within normal ranges or if you need to make some adjustments.
The name “PocketGuard” itself stems from the notion that this app always allows you to see how much money you have left in your “pocket” after accounting for debts and bill payments. Why waste 30+ minutes per week manually checking up on all of your accounts when you can access this information within seconds? PocketGuard is truly a huge time-saver when it comes to managing your personal finances.
Efficiently Track Your Spending
PocketGuard does so much more than simply providing updates on your banking, credit card and investment accounts. It also gives you the option to track and categorize your spending as it happens, so you’re not just seeing dollars in and dollars out, but rather how much you’re spending on what.
The free version of PocketGuard has pre-set spending categories like groceries/dining, housing (mortgage or rent), utilities, and entertainment, to name a few. The paid version of PocketGuard lets you customize each category based on your own lifestyle and spending habits.
If you’ve been living within your means for the most part but you’re not regularly tracking just how much you’re spending on discretionary expenses, then this might be the perfect time to start monitoring your spending habits more closely to ensure you’re not wasting money without realizing it.
Automate & Personalize Your Budget
Another useful feature PocketGuard offers is the ability to create a budget that works for you. Based on an analysis of your income, spending habits and financial goals, PocketGuard helps you optimize your budget for maximum savings without having to sacrifice your general standard of living.
In other words, PocketGuard automatically creates a fully personalized budget and lets you adjust as-needed whenever your personal circumstances change. PocketGuard even goes a step further by assessing potential areas for you to save, such as negotiable bills, high-interest debts, better savings options, and more.
PocketGuard Plus
If you want access to some additional nifty features like being able to add your own categories, track cash transactions, and account for bills paid with cash, then you’ll want to get the paid version called PocketGuard Plus. This upgraded service includes all of the same features as the free version, except its add-on benefits let you hyper-streamline your financial management in ways you could only dream about with the free version.
PocketGuard Plus costs just $3.99 per month or $34.99 per year (when you pay annually). To see if the paid PocketGuard features might be useful for you, there’s a 7 day free trial available for anyone who wants to try out everything PocketGuard has to offer!
Should I Get PocketGuard?
PocketGuard is one of the best options for keeping track of your financial information in one convenient location. The app uses encrypted token systems and never stores your financial information or login credentials on its servers, which means your information is protected at all times and PocketGuard cannot (and will not) make any changes to your accounts because it has no ability to do so.
The free version would complement many different financial management strategies, but PocketGuard Plus is particularly ideal for anyone who follows the envelope savings method because it lets you record cash transactions in addition to purchases made with a credit/debit card.
There’s never a better time to start simplifying your financial management practices than right now. PocketGuard makes organizing your budget, bills, payment deadlines, spending habits, and savings goals so much easier than if you tackled this task on your own, so give it a try to see how PocketGuard can transform your financial management strategies for the better.