You don’t have to link your financial institution to set up an account with Simplifi. Data is secured and transmitted using 256-bit encryption. Users can connect their bank accounts, credit cards, loans, 401k and other investment accounts. Simplifi is a cloud-based app with real-time syncing through Android, iOS and web platforms. Why we chose it: Simplifi is our pick as the best budgeting app for families because its real-time spending tracking and automatically generated spending plan can make it easier for busy families and households to keep track of their spending. Additionally, with the Invite a Friend program, users can earn $10 for every friend or family member that signs up. You can download an ad-free basic version of the Mint app for only $0.99 a month and the Premium version for $4.99 a month. Many users reported that the app wrongly categorized expenses, forcing them to change the category manually. One of Mint’s downsides might be its spending tracker’s faulty automatic categorization. This app also offers bill and subscription tracking, a feature that notifies you when bills are due, if any price changes to monthly subscription services or if any extra fees are charged to your accounts. Mint offers access to a free credit score report and daily credit monitoring through TransUnion. (Note that users must pay BillShark 40% of what they save on each provider.) BillShark calls creditors for you and negotiates monthly bills and subscription payments for internet, phone and cable TV providers. For those who need extra help with their bills, Mint provides bill negotiation through BillShark. Users can import their TurboTax information, set weekly targets and track cash flow. The app also features #MoveMint, a fun social media story-like summary of all monthly expenses, savings and investments. Additionally, Mint's account information can be deleted remotely if your mobile phone or device is lost or stolen. Data is secured by 256- encryption, multi-factor authentication and Touch ID. Mint lets you link your checking, savings or investment accounts, loans and credit cards from thousands of financial institutions. It even celebrates your achievements and notifies you when you achieve a purchase-less day. Mint shows recent transactions, overall expenses (entertainment, dining, or shopping), and purchase details (retailer, date, amount). The app welcomes you with infographics about your net worth, spending, cash, investments, credit cards and loans. Mint is a highly rated budgeting app with a rating of 4.8 on the App Store and 4.4 on Google Play, with some users praising Mint's account overview and the convenience of having access to all of their accounts on one screen. Why we chose it: Mint is our top pick for young adults because of its social media-like features (like the #MoveMint stories), hashtags and notifications. Price: $0.99 a month for the ad-free basic version | $4.99 a month for Premium Bill negotiation is not available for Android. Which of these templates calls your name? What is a section that you can’t go without? Let us know in the comments section below. Choose one that best suits your needs and matches your priorities, and start working on your short-term and long-term financial goals immediately. Using one of the Excel templates described in this article can go a long way toward improving your overall financial situation. Hopefully, this will lead to maintaining a positive balance in your bank account throughout college. Thanks to this well-thought-out template, you’ll stay on top of your budget for the month, semester, and the entire school year. The Income section includes different funding sources, including: The template is easy to understand and use and contains everything you need to track your expenses while in college. This College Budget Template can help smooth that transition and instill confidence in your financial planning. Going off to college and becoming independent can be stressful for many reasons, with budgeting probably taking one of the top places.
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