Posted by Marie Presti on 5/13/2018

These days keeping track of your money can be a hassle. Between all the different ways you can spend your money it’s easy to lose track of your spending. Luckily there are some great apps for money management. Below are a few favorites— all rated with 3.5 stars and up. LearnVest: LearnVest is a money management platform, but it’s also much more. You can link up your various accounts to keep track of your spending, savings and goals (that you set). But the best part about this app are the articles you receive via email from them. The articles that they send are full of helpful information related to early retirement, saving for your wedding, how to pay down debt, rebuilding bad credit, smart saving, and so much more. Every article is worth the read. This app is available on iOS. Mint: Mint is a well-known money management platform. You can hook up your bank accounts, credit cards, 401k and loans and set up budgets. The app utilizes graphs to show you how you spend your money and provides you with bill reminders. It will even give you your net worth. The only downfall to the app is that it has a difficult time connecting to small banks’ online banking systems. This app is available on iOS and Google Play. Daily Budget: This is a do-it-yourself app. If you are one that is weary about putting your personal banking information onto your phone then this is the money management app for you. You plug in your income, reoccurring expenses and it gives you a daily budget. You can add in additional income and expenses as they occur. But, you will have to pay for the full version if you want to utilize all income and expense categories. This app is available on iOS. Comparable apps are available on Google Play. Prosper Daily: This app’s main emphasis is on protecting your accounts. You can link up your bank accounts and credit cards and approve or deny charges as they occur. But, it is also good for a high level review of your accounts. You are able to view your balances on your credit cards and checking account all in one place. Another pro of this app is that you are able to categorize your charges making it easy to keep track of what you are spending your money on. One of the great new features now available is the ability to view your credit score. And beyond that it provides insight into why your score is the way it is and how to improve it. This app is available on iOS and Google Play. These apps will aid you in getting in front of your spending and back in control of where your money is going. Be sure to take full advantage of the offerings that each app has, as it will only benefit you in the long run.





Posted by Marie Presti on 11/30/2014

Who doesn't need more money? If you are looking to save for a house, put more money in the bank or tighten your budget, there are several money saving moves you can make. Here are just a few ways to put more money in your pocket: Save money without feeling the pinch by setting up an automatic transfer from your checking account to a high-yield savings account.  Some accounts to look at are INGDirect.com or Smarty Pig.com. Build a savings by transferring at least 5 percent of your paycheck and then gradually increase to 10 percent. Get the best yield on your checking account by using Bankrate.com to find the bank offering the highest yields and fewest fees. Switch your credit card to a card with more favorable terms like lower interest rates or better rewards. Use the tools on sites like: CardRatings.com, or Credit.com. Find money by checking to see if you're entitled to any of the $32.8 billion in unclaimed funds being held by state governments. Go to MissingMoney.org and Unclaimed.org to see if you are owed any money.  





Posted by Marie Presti on 4/27/2014

Everyone wants a deal especially when purchasing a big ticket item like a house. In order to get a good deal you have to be a great negotiator. If you are on the hunt for a housing bargain you need to be prepared and sharpen your negotiation skills. Here are some tips to get you on your way to buying success: Do Your Homework: Gather information about the property. Find out about recent repairs and improvements or renovations. Review the seller disclosure statement look for details, such as the age of the roof and systems in the home. Know the Market: Find out what other homes are selling for in your price range. Ask your real estate agent to do a comparative market analysis on the home you are interested in. The comparative market analysis will compare the home to homes that have recently sold and homes that are currently on the market. Be Prepared: Before you start shopping for a home get your credit in order.The higher your credit score, the better the chance you'll get a good deal on a home loan. Once you have your credit in order start the mortgage process and get pre-approved. If you are pre-approved the seller will see you are a well-qualified buyer. Be Reasonable: It is easy to let emotions get in the way. View the purchase as a business transaction. Approach the situation objectively, and don't take the negotiations personally. Negotiate: Start off your negotiation on the right foot,  don't low-ball the seller with an insulting figure. This can immediately kill the transaction. Negotiation is a two way street. In most negotiations both parties compromise. Be Smart: Stick within your budget and don't let emotion take over when you are negotiating. Know what price you're comfortable with and stick to it. This way you will be sure to buy a home that you can afford.  







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