Budgets Are for Babes: 4 Tools That’ll Help You Save a Ton

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You’re listening to the financial experts. You’re saving. You’re watching your spending. You’re buying all generic at the supermarket in quantities that would easily serve a family of 15.

But somehow, it still seems like your bank account will never grow.

We feel you. Thankfully, there are some really great — and free — budgeting innovations that help babes like us save some serious cash!

And now, after hours of research, here are our favorite new tools that’ll keep you on track to meet your financial goals.

1. Ahh, Reaching Your Goals Is So Minty-Fresh

While not brand new to the market, mint.com continues to be one of the easiest ways to track finances. After entering your accounts into the system, you’ll be able to view your finances in an easy-to-understand format.

Set realistic budgeting goals and get real-time updates when you make purchases. This free app will even give you alerts when you go over-budget for a specific category!

And all you have to do is take a quick glance at your phone (like you’re not doing that already) to see where you’re at financially throughout each month. (Ugh, did you go over your shopping budget this month again?!)

2. Give Every Dollar a Job

You Need a Budget is built on the decades old system of “zero-sum,” which is kind of like a more techy version of the strategy your grandparents may have used — dividing cash into envelopes for essentials. 

The system’s category-based user-interface lets you allocate your available funds into a variety of categories. Then, if an unexpected expense comes up in one category, you would move funds from another category that has extra funds.

But the best part of You Need a Budget is actually its devout community of users. They’re great for answering questions you might have on the interface, but they’re also incredibly committed to helping each other adopt and live by the system’s four rules of budgeting. 

  1. Give every dollar a job
  2. Embrace your true expenses
  3. Roll with the punches
  4. Age your money

With a strong community of users in your corner, you’re sure to stay on the right financial track!

3. Are You Sure You Should Buy That? 

If you have a specific goal in mind, then DaystoPay.com will help you to get there — and it might even deter you from buying something you don’t really need to begin with.

After putting in your salary and typical monthly expenses (the system automatically deducts federal taxes), you’ll input the cost of the item you want to buy. The DaystoPay system then calculates to show you how many days you’ll have to work to pay off your goal item.

In many situations, you’ll find that the item feels both like a waste of money and time, keeping you from going over your budgeting goal for that month.

4. Monthly Budgeting? It’s in the Bag, Baby!

For a more fashion-friendly option, check out the iBag2 from personal finance website Finder. Designed by the NYC-based fashion designer Geova Rodriguez, and engineered by a female-led team at Colmac Robotics in Ireland, this bag will use physical cues to help you curb your over-spending habits.

You can pre-program spots where your spending is the most vulnerable (e.g. your favorite store) and it will light up blue on the inside and vibrate. Or if you regularly spend during a specific hour (I’m looking at you, lunch hour in the city!), then you can ask the bag to lock tight at that time.

You can even ask your new handbag to warn you when you’re getting close to your weak spending spots (known via GPS) or to light up yellow every two hours when you need to reapply sunscreen.

At $5,000 a pop, this smart handbag may make you question spending in the first place. But, if you’re in the market, Finder is currently taking indications of interest and the bag will go into production once the company has enough customers.

Wait Till I Get My Money Right 

With technology making it easier than ever to shop and spend, the amount of tools helping us to curb our spending is keeping pace.

Now it is only up to us to be aware of where we’re spending to help us hit our current and future financial goals!

Will you use any of these budgeting tools?

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Jessica is a blogger and freelance writer who adores fashion, fitness, and all of the fun life has to offer. She enjoys spending time with her fiancé, eating too much ice cream, and adventuring in the mountains of Colorado. Catch more on her blog Semi-Sweet Tooth or on Instagram.

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