Finance News

Apps Shane Smith Recommends to Limit Expenses and Grow Your Savings

Using financial apps can make anyone’s life easier. Financial apps are ready to help consumers with budgeting, saving, and investing. When people use a financial app, they are better equipped to deal with their finances. Using an app can help to automate processes like making budgets and trimming unnecessary spending. Shane Smith, a financial consultant and market expert, details 6 of the best saving and budgeting apps available today. 

You Need a Budget

You Need a Budget or YNAB is a great way to take stock of what you are actually saving and spending. YNAB has the capability to advise you about your budget, letting you know where you have gotten off track and how to return to good habits. 

YNAB allows you to set financial goals and gives you helpful ways to corral your credit card debt. Paying down debt is one of the key features of YNAB. 

The app can import all of your banking information, making it easy to track your spending. The app also comes with a wealth of reporting options like charts and graphs so that you can visualize your budget. 

YNAB has an affordable monthly or yearly fee, but the extra level of service makes the investment worthwhile. The app also comes with free budgeting classes taught by a certified instructor. 


Mint is a free app that centralizes all of your checking accounts and credit card accounts. This app can also help you track and pay all of your bills, managing due dates and budget items. It also provides alerts for unusual activity across all of your cards and accounts. 

The app integrates with free credit scores, allowing you to see exactly how your actions are affecting your financial future. This concrete measure of financial success helps many people become more disciplined with their budgets. 

Mint is easy to use and completely free. It is available on iOS and Android. 


Acorns is an app that automates investment. It rounds up your credit card transactions to the next dollar and invests that money in diversified portfolios. It also includes its own IRA, Acorns Later. This app can be a valuable addition to anyone’s financial life. 


EveryDollar connects to your bank account and helps you manage your budget with personal financial advice. The budget tracker works on the principle of the zero-based budget, where every dollar has a purpose. The app has a premium version and a free version. 


Spendee is a budgeting app that is easy to use with a spouse or partner. Both people can have access to the information, meaning that there is less chance of miscommunication or items falling through the cracks. Spendee tracks cash, bank accounts, crypto wallets, and e-wallets for convenience. It is also good for managing multiple currencies if you spend time in more than one country. 

The app has easy reminders and charts. It has a free tier, a Plus tier, and a Premium tier. Shared wallets start at the Plus level. 


Coinbase is perfect for the everyday crypto investor. The app supports a variety of cryptocurrencies. The app is stripped down from the desktop version but should still be useful for most investors. It is possible to quickly check on your investments and view trends. Since the app is FDIC insured, it is a low-risk way to trade cryptocurrency. 

Free Yourself from Budget Constraints

These 6 apps as listed by Shane Smith can help anyone take control of their finances. With help in budgeting, investing, coordinating your accounts, and managing joint finances, each app has its own specialties and focus areas. 

Overall, the best financial management app is Mint. Mint has the most complete set of features and is free for users. If you need to invest, try Acorns or Coinbase. All of these apps can be valuable to the average investor as well as the tech-savvy consumer.

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