What are your favourite money apps?

Personal Finance Money & Budgeting
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Hey everyone!

We’ve written a new blog post about our favourite money apps (Emma being one of them :laughing:)

We’ve picked our favourite money app for:

  • Investing
  • Cashback
  • Budgeting
  • Pensions
  • Making Extra Money
  • & Selling unwanted items

V interested in knowing what your fave apps are for each of these things?!

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Not for any of the above categories but I’d put Splitwise in a favourite money apps list

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Ahh, I’ve only used Splitwise once and didn’t get on with it!

Tried to use it when I was on holiday with 4 friends, but I’d come from the UK, and they’d come from the US and OZ - and then we were travelling around 2 different countries so there were just waaaay too many currencies to deal with :exploding_head:

What do you mostly use it for?

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I’ve used it in house shares with friends and also long term with family. Find it really useful for these more long-term/ongoing scenarios.

I’ve never used it with multiple currencies or short term (holidays with groups of friends).

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Could see it working really well for house shares!

Guess its kinda like the Monzo shared tab too?

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I’ve never tried the Monzo shared tab.
I think something like this needs to be bank-agnostic.

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I love the Monzo Shared Tab and it worked brilliantly when my better half still used Monzo.

We use Monshare and love it:

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Looks cool! Like that they’re obviosuly big fans of How I Met Your Mother :laughing:

Screenshot 2021-02-05 at 15.59.17
Screenshot 2021-02-05 at 15.59.172422×1395 269 KB

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I have no idea what that means but I’ll just smile :slight_smile:

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Hahah :see_no_evil: Do you watch How I Met Your Mother?

They’ve used the character names from that show in the image above (Lily Aldrin, Ted Mosby, etc!)

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No, I’ve seen it listed a lot but didn’t seem like my show. I am watching Superstore though.

We finished Married at First Sight Australia as our dirty little treat though!

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Is it good? I’ve seen it advertised and it looks absolutely bonkers - I can’t everrrr imagine going on a show like that :sweat_smile::sweat_smile:

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It’s an easy crazy watch to wind down and laugh if an evening :slight_smile:

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(Living in US.)

  • Budgeting - Emma, of course! :smiley:
  • Investing - Schwab/Public → use different apps for different purposes. One for speculations, one for regular investing etc. Robinhood has much better charts. I find Public app to be much more noob friendly, with warnings helping people take informed risks.
  • Cashback - No apps, mostly credit cards.
  • Selling unwanted items - Facebook Marketplace.
  • Net worth - Personal Capital provides great charts on returns and allocations. Suggests generic improvements to the portfolio.
  • Split expense - Splitwise + Venmo
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  • Budgeting - Emma & spreadsheet
  • Spend tracking - Emma
  • Investing - I don’t think having a quality app is important. But for what it’s worth I think Hargreaves Lansdown has the best app / mobile experience of the platforms I’ve tried (HL, Interactive Investor, iWeb, Freetrade, Moneyfarm, Dozens).
  • Cashback & offers - Topcashback and Hotukdeals. But I use the websites more than the apps.
  • Selling unwanted items - For tech items I tend to try CeX and musicmagpie first. If their offers are too low and for selling more general items I turn to eBay.
  • Net worth - Don’t use an app. I use a spreadsheet.
  • Split expense - Splitwise
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Budgeting:

  1. Emma (Best)

  2. True Bill (Close)

  3. Honey Due (pretty good)

  4. Honorable Mention YNAB. YNAB is a great budgeting app, but not so good at tracking cash flow. Using Emma with YNAB is amazing. Once Emma uses rolling budgets, perhaps I can use YNAB less. Emma NEEDS Rolling Budgets to compete with YNAB.

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Has anyone tried Updraft? I really like the design.

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Yes I like it. It’s very quick too. I think they have gone overboard in terms of push notification and email every time you get cash back but it’s better than no comms :slight_smile:

On boarding was a tiny tedious but been using it for almost 2 months and all is good.

PS: While in beta you can go and withdraw even a few pence :joy: there’s no minimum limit.

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Ah no!! I thought you meant Upside. I don’t know what Updraft is.

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I haven’t tried this and it hasn’t come to UK yet but I really like the look of it…