![]() ![]() The idea is to load your money onto the card, and then allocate it into different digital 'jars' on the app. Key features: HyperJar is a bit different from other budgeting apps, as it includes a prepaid card (physical or digital). With Emma Plus you can link up to four bank accounts, and take advantage of in-app cashback offers and a fraud detection feature that alerts you if your details have been accessed as part of a data breach, along with bill reminders and a 'true balance' feature that shows you how much you really have left to spend each month.Įmma Pro offers unlimited bank logins and features such as the ability to track your net worth over time, custom categories and you track your spending in any offline accounts.Įmma Ultimate has additional features, such as business accounts, unlimited bank transfers and a 'Spaces' feature, where you can set budgets on a more specific level.ĭrawbacks: If you go for either of the paid-for Emma options, make sure you'll use enough of the features to justify the price. The standard free version of Emm a lets you connect up to two bank accounts so you can track your subscriptions, set up monthly budgets, track your payday and make payments within the app.Įmma Plus, Pro and Ultimate offer extra features. Key features: In a bid to cut your spending and make the most of the money you have, Emma is another app that links to bank accounts and other financial products, analysing the information to make suggestions on wasteful subscriptions you could cut. Watch our short video below to find out which budgeting apps could help you save money:Ĭost: Free for standard Emma £4.99 per month for Emma Plus £9.99 a month for Emma Pro £14.99 per month for Emma Ultimate. Find out more: how to plan an effective budget.However, when we asked those who were interested in using finance apps, more than half of the respondents said they'd like to have an overview of all of their accounts, and around four in 10 said they'd like help with budgeting. While more than three million people already use open banking, just one in 10 Which? members use a finance app that's not provided by their bank, according to a survey we carried out in February 2021. From getting an overview of all your accounts in one place, to developing algorithms to squirrel away extra savings without impacting your normal spending habits. Thanks to open banking, third parties that access your data can use it in a wide range of ways to help you manage your money more effectively. Your data will be processed in accordance with our Privacy policy How do budgeting apps work? While there’s nothing groundbreaking about this diary, it covers the fundamentals and it covers them well – and sometimes that’s exactly what you need.This newsletter delivers free money-related content, along with other information about Which? Group products and services. ![]() For practicality, you’ll also find plenty of space for notes, charts for converting common units of measurement, a worldwide holiday calendar and a handy expandable storage pocket for keeping track of loose notes and receipts. ![]() It features a double-spread overview of the month ahead, along with an organised weekly breakdown of your schedule. Price when reviewed: £15 | Check price at Amazon Clean, simple and available in a selection of colours, Moleskine’s classic Weekly Planner provides you with the tools you need to stay organised in 2024. Moleskine Weekly Planner 2024: Best 2024 pocket planner READ NEXT: Best back to school supplies to send them back prepared The best planners to buy in 2023 1. These work to your schedule, rather than the other way around. Getting rid of this feature means that your planner will be current for as long as it takes for you to fill it. While you may find a couple of fixed-date planners in our roundup, most are non-dated, allowing you to pick them up at any time of year. Most of us think about purchasing a brand new diary either at the beginning or in the middle of the year because this is when dated diaries tend to start. Speaking of non-dated planners, this format eliminates one of the biggest issues with more basic planners. Can I buy a planner that won’t go out of date? Non-dated diaries are also perfect for tracking specific goals. Traditional diary-style planners still have their place, of course, but many examples in this list take the concept much further, allowing you to organise well beyond your weekly schedule. Yes, there are now purpose-designed planners for a variety of needs, such as tracking your diet, exercise, travel, spending and general wellbeing. How to choose the best planner for you Can I get a planner for a specific purpose? ![]()
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