Our Favorite Personal Finance Apps

weren't even familiar with but are really excited about. So I'm this is going to be a really fun episode to nerd out on. I learned some new things, so I imagine you all will learn some new things too. I learned new things, and I just got back from a personal finance conference where most of the apps were supposed to be So there you go. There you go, stay stay tailed. Love apps? Yeah, I don't love apps,

so that I will give that disclaimer in general. But before we get into it, let's let's thank today's really lovely sponsors. Especially love these ones. The first one is our seven Day No Spend Challenge workbook. You are about to be spending more money than usual starting next week,

So why not prepare with the no spend week. So we've created a free mini workbook that will help you plan, execute, and reflect on your no spend challenge so that after seven days or five days, however long you want to do it, you know what you need to work on moving forward. You have some insight you can carry with you over the holidays um and have an action plan

to start working on it in the new year. So if that sounds like something you need, head to Frugal Friends podcast dot com slash free to get your free workbook. Also brought to you by apps, but not the phone apps. They're getting enough attention in today's episode. It's the food appetizers we're talking about right now. And for us frugal friends, we know that if we're ordering a meal at a restaurant,

we skip the apps. However, if we want to be real extra frugal, we know how to make a whole meal out of those apps apps tinier meals, but just as flavorful. If you were room meet Setti listening to this, who's a personal finance author of I Will teach You to be rich, he would be He would be so angry because he loves apps. I think that's like his big thing in his book. He's like, I wanted to be rich enough to buy all the apps and just not care about it and not. But he does love frugality.

So it just depends on what your values align with. Hey, I love apps sometimes I prefer it over a meal. One of my favorite things to do with the holidays is just make all of the apps. And that's our party is just an appetizer party. Well, if you view them as tiny meals, you love tiny things exactly makes sense, cute and flavorful, and it's always the cocktail hour at weddings that are the best. I've learned, like fill up on those appetizers because the meal is never as good.

That's my wedding tape. The appetizers are actually because they're smaller and there's less of them, you can afford fancier ones, I think, so they're always so much better. Yeah, there you go. If that's all you take from today's episode, then you have gotten something. You're still doing well, yes, But if you'd like to continue on with us this episode, we are focusing on money management apps. If you are interested in money saving apps like rebate apps, um apps

that help you make money. Then head back into our archives, all the way back to episode eighty one. We're on. Yeah, we talk about our favorite money making and saving apps there, and I look back at the show notes and they're very similar to what we feel today. So it was two years ago, but not much has changed on that front. Still wasn't a huge and you can tell why it's been over two years since we've done an app episode. I just don't love the clutter of apps on my phone.

I don't have a lot of them, so I don't play around with a lot of them. I'll do uh like social media sponsorships with different apps, and it's like torture for me to download their app and actually use it, not because their app is storature, because I just don't don't love it. Yeah, but I think that's I think that's the thing here. Though I were not recommending that everybody have all of these, It is a matter of identifying what are my needs it would be most helpful

to me. I think apps are meant to be useful, So if there's an area of spending or saving or money management that you're having difficulty with, an app can be really helpful. So while I'm similar Jen, I'm pretty minimalist with what apps I utilize, especially as it relates to personal finance. I mean, for budgeting, I use a Google spreadsheet. But even when I look through this list, I'm like, oh, I actually do have some problems in this area, and this app could help me solve that problem.

So I think it's still worth talking about and identifying. Is there one on this list that could be useful? Absolutely? And there there I think there will be. So we'll go first with this first article, which kind of we'll talk about the major players in the field, not necessarily the best though. The the title it's from the Balance, it's called best personal Finance Apps. And then there's another like subheader that says the eight best personal finance apps,

but spoiler alert, there are only seven. I don't know why it says eight, but I the editor didn't catch that. No, so thank you the Balance for that. And yeah, well we're not even getting to go over all of them, but we will first start with Mint. Obviously, that is the most well known, most widely used, and it's it's

great that it automatically imports transactions for free. I when I was a writer at The Penny Horder, I had an article like I wanted to write an article about the best budgeting apps because I really wanted to find the best budgeting app and I really didn't want to have to pay for it, and so I in that season tried a lot of different apps, and maybe that's why I hate them. Now, that's an interesting insight, but I and I still couldn't find one, and so actually

don't even think paying for apps is bad. I think probably it's better than the free ones. But Mint was kind of the front runner because it had that automatic transaction tracking, but I wanted it was clunky though it wasn't a great experience, but yeah, and I don't even recommend it for people paying off debt because I think

manually adding transactions is beneficial. Tracking your transactions in real time, I think is really useful when you are working to become frugal and really control, like tightly control your expenses. So but Mint, there's a reason it's it's the number one downloaded personal finance app. Yeah, I used it for

a time. I think similar to with all of these apps, they can be useful for a time and then you can graduate from them or Okay, you've now reined in and have a good sense of how to go about whatever it is that it's helping you do or solve, and then move on with whatever system is best. Yeah, I would say this. I would say mint is for the season after you've become debt free and you want a more hands off way to track your budget. I'd see that's kind of the best season for MINT. Nice.

The next one is wine ab, which stands for you need a budget. This article says that it's best for debt payoff, which I wouldn't disagree with. It can certainly though, just help people who need a budget, hence the name wineab definitely has a cult following, Like if you're a winab user, you probably absolutely love it, which is fun. It's got like a good community around it. We actually had the founder of winnab on our show for an

episode at one point. So the idea behind winap is assigning every dollar a job, and what we particularly like about it is that it's based on the money you actually have in your account, not the money you will have. A lot of times we will budget based off of well, in two weeks, I'm getting paid X amount of money Wineap kind of flips the script on that and says, no, let's look at the money that you actually have in

your account and build up a buffer. I know, Jen, you recently talked about winap in our Facebook group for somebody who kind of has this weird payment structure or where her husband's getting paid monthly and she's getting paid every other week, and how do I manage this with my bills? And winap can really help with those types of situations and that, well, we're utilizing the money we already have in our account to pay for these things,

so it's not as difficult. We don't feel as hard pressed trying to figure out whe which payment goes to which bill when it's already figured out based on the money that we have in our account. So that's definitely it's and essentially a digital envelope system. If anybody is familiar with the envelope system of budgeting, this is a

digital way of kind of going about that. Yeah. I love the wine app philosophy about budgeting based on the money you already have, budgeting based on what you made the last month, because there's no question on what your income is going to be. Sometimes if you're hourly or variable income, you can try to guess what your income is going to be, but you don't know. If you're budgeting based on last month, you know you're not getting like if it's November, you're not getting any more income

in October. So that's really great, but you don't need the app to do that. This app does cost money, and it's a great, you know, budgeting app, but you can you can do this, use this philosophy with any zero based budgeting chart or app, or use it and learn how it works and then do it on your

own too. Again, not all these things have to be lifetime. Yeah, you do get thirty four days free, but it is, and they have recently released or are releasing kind of like more education around the app to make it easier to catch on too more quickly. The third one is one of them is actually one of my favorite apps,

and it is a big name in money management. It's Personal Capital and so this they have so many free tools for tracking your net worth, tracking your transactions, making sure you're on point for retirement with your fees and you're saving and everything. So this is something that is it's great to track all your transactions from multiple accounts. So if you're using one credit card and your spouse or partners using another, and you want to track that,

you see all the transactions in one place. Personal Capital is great for doing that. We use it more than any other app. Uh and it is. It is one of the one of the few apps that has made it onto my phone. But I think it's more for when you're focusing on building wealth. Personal Capital gets really

fun to watch your net worth grow. If you are paying off debt, you probably I don't care about Personal Capital, but you can get a twenty dollar Amazon gift card from Personal Capital no matter what your financial goals are. If you have any retirement accounts, brokerages, anything at least a thousand dollars invested, and you connect those Personal Capital, you will get a free twenty Amazon gift card when you sign up through our link Frugal Friends podcast dot com,

slash p cap p C a p shameless plug. Also, hey, who doesn't want a Amazon gift card especially around the holidays? Exactly eat great little plug. The next one on here is Prism, and so they say that this app is best for bill pay. The way that it works is it shows all bills and financial accounts in one place, so you can track bills, or it tracks your bills for you and can send do date reminders so that

you avoid late payments. And one of the best features, at least in my opinion, is that you can pay those bills directly from the app, so it eliminates the need to log into multiple accounts, which sometimes can be the barrier when you forget all of your passwords and how much time that that takes to log into each one. I mean, at the end of the day, we're going to recommend that you have bill pay set up automatically. Sometimes there are bills that don't allow that for whatever reason,

they're still in the ice age. So this is a great app if you just want to see everything in one place, pay everything from one place. Go ahead. Yeah too. I I never saw the need for something like this until my son's insurance. It is small insurance. I don't even understand why their computer system just doesn't take auto pay right now, and they're like, we're working on it,

we're working on it. Pay me annually. And then also with travel hacking, with some of my bills, I get to pay on my credit card and then I have to log into everything new when I get a new credit card and change it all up. And so now recently I've been seeing the convenience of something like this. There are several bill pay apps and I don't use them, so I'm not sure the differences. But like I know, bill Shark is another big one, but it might be

something I look into more in the future. We'll see, but I can see the need for them now. And then the last one I think that I'll mention is Spendy. So this one says it's best for shared expenses. This one's been around a long while. I did use this one. I tried it out when I was writing my budgeting

article the all those years ago. So this one is specifically for if you, I guess, maybe share some expenses with a roommate or a you know, a boyfriend or girlfriend that you don't want to have joint accounts with. And so this one says you can manually add cash expenses for a more accurate picture of where your money goes. So if somebody you know, I don't know why people are still using cash, but if your roommate by toilet paper in cash, they can put it in here. And

you can split it so stuff like that. It also has a bill tracker functionality, so yeah, it's a It is a budgeting app for multiple people who don't share accounts. That's how I'm going to describe it. If you have a roommate or a boyfriend or girlfriend. Yeah, so that's for for this. And then the last one that will mention here again just stalwarts in this space of financial apps is every Dollar and so this is a budgeting

app that is utilizes the zero based budget method. It can track monthly expenses, show how much you spent, how much is left to spend in each category, again similar to a digital envelope system. So if you're needing a budgeting app, this is another one that is very commonly used. But a lot of these things, like we said already,

you can also do on your own. Doesn't have to come through an app, but can be helpful and useful for understanding how to budget, getting your feet wet in that budgeting water, and then going from absolutely yes, So let's move on to our next article. This is the one we are really excited to spend some time in and it's actually from Real Simple and it is their Smart Money Awards and I don't know how Real Simple just like got in on all of these like come ups.

But they've got some great stuff on here. I am really excited about this article and it is long, so we will have the link in our show notes. Definitely check it out because it goes through some really great apps in various categories like budgeting, investing, banking, debt payoff, credit, shopping, life events. It just goes on and on and something else.

I especially loved about it so many familiar names. They utilized fourteen judges to go through these apps, and a lot of them for our long time listeners might even recognize of folks that we've had on our Frugal Friends podcast, and so it's just it's fun and see their names that these are some experts that we've even had opportunity to talk to who are recommending these apps, and some really great ones on this list. Absolutely so. The first one is a budgeting app and it is Cube Money.

So we love Cube Money. Cube the supporter of the show. They sponsored the Frugal Living Summit we had over the summer, and we know so many of our listeners use them and love it and it is I don't know how nobody came up with this before, but Cube is the first. It is a digital envelope system where you actually can put money into it. So it's like part banking app,

part budgeting app. And you transfer money into Cube and you distribute it into your envelopes and then you can use your Cube debit card to m make purchases out of the envelope. So you open an envelope on the app and then when you make a transaction it comes out of there. It is is so great. This is really what I would use if you're paying off debt and you're trying to live on the envelope system but cash is hard, then this is what I would use,

like hands down, no question like that. It's got it combination of it's a banking app with budgeting features built in. Love it because that's simple. That is real simple. Thanks really And and Cube has like all of the same foundational beliefs that we do for how to spend money, just spending money intentionally, like spending is not bad, but you should be intentional about it. And this is just using that behavioral psychology you know, boundaries to help you

do that. And so you can if you check out Cube, then use our link Frugal Friends podcast dot com, slash cube, q U b E and you support the show if you sign up for any of their other things that they offer. Voice another shameless plug, but honestly, we do. We think they're great. We do. Yeah, we do love Cube. The next one that will highlight on this list is a banking app and oh real Simple identifies this as

best for banking and good conscience. So it is a digital banking app where they invest all of the money that you are utilizing to bank with into eco friendly initiatives, clean energy, that kind of thing, so you really can bank and good conscience, like they say. And another really great thing about them is that they don't charge fees, they don't require a balance within the account, and just

have all sorts of other conveniences. So really great bank to utilize for those of us who are concerned about what are these banks doing with our money when we're banking with them, And so they even show you where they're put the money and how it is impacting the community and environment. So really really great transparency with this app and this bank. Yeah, you should know that when you keep your money in a bank, you are I mean, they invested on your behalf for their gain. So that's

just it's not bad. It's just what all banks do to make money. That's how they should be making money versus charging like exorminate fees. That is a personal opinion, but a lot of the big ones, Chase, Bank of America all those will invest it in like fossil fuels and just things that are not very great for the environment. So some banks are coming up where they're saying, hey, we're not going to put your money into any of that.

You can be sure that if you keep your money with us, that it's only going to be used for the benefit of the environment. And so Aspiration has been a long time one that um I've recommended in this and oh this is the first time I'm hearing about it, so I'm super excited to like do more research into them. And it was a sustainable bank designed for the mobile experience,

So very excited two to look more into them. The second one that I will mention is Perch and this is a app to build credit, but it does not charge you fees like some other credit building apps do. So you can use your Netflix subscription, your rent, just subscriptions in general to show as credit history because on time payments are the of your credit score, and so the more on time payments you have, the higher your score.

But instead of using debt to show your your on time payments, they use bills and so this is great. I love the idea of this um. It's not revolutionary, but it is now becoming widespread now with an app, so it's a free app. I haven't looked too much into it, so I don't know what kind of expenses it would charge that it says they believe you should be able or we believe you should be able to build credit for free, so that leads me to believe

that there are no fees. But yeah, Perch if you want to, if you have a short credit history, definitely something to look into for building credit. Yeah, especially for young people who eventually want to rent an apartment, purchase car like these types of things. Yeah. Yeah, if you don't want to use credit cards or or something like that, you try Perch beautiful. The next that will highlight is within the investing category. So both Fidelity and Vanguard have

apps that you can utilize. Vanguard has low cost digital advising so you can input savings habits, goals, your US tolerance, and their robo advisors. Their bots will put together a recommended portfolio for you. So it takes out the expense of a financial advisor, it takes out some of the guesswork of you doing your own research of what is the best ways to invest here and timeline. Also, Fidelity has something called Fidelity Spire. They specifically recommend this for

young people. Um again, I'm probably both are fine. You could use whoever it is that you're primarily investing with Vanguard or Fidelity. But again, similar to Vanguard, you input your goal and deadline and they advise on investment accounts that will help you to be able to get there U solutely. I mean, I was just impressed that they included the Vanguard and Fidelity apps and those options on this list. I think it's it's important to like note that a lot of these best of lists are literally

the best of affiliate programs. Whichever apps have the best kick back for people signing up on them, and van Garden Fidelity don't have that, and so you don't often see them on a list, but they are like the best, you know, some of the best used things for investing and so well, I don't necessarily love their desktop user interfaces. The apps are It's heading in the right direction, That's what I want to say. They're heading in the right direction.

I'm so they've gotten a lot of feedback that the usability user friendly user interface is not the greatest, and they think that they are taking steps to make it that way. I think it just it comes down to needing a little more like user education of terms and stuff, and I think I think Fidelities getting there faster than Vanguard. But it is yeah, we're getting there. It's I am hopeful. Speaking of investing, this is another one Capitalize. This is a four oh one K rollover service and it's free.

So essentially you so many people have four oh one case that they were automatically signed up for and they put money in, they leave the job, and they just forget about it. So what Capitalized does is it can I think it can help you find for oh one case too, or if you already know you have a four o one K that needs to be rolled over, it will help you pick a brokerage like it does.

It includes Vanguard and Fidelities robo advisors. It will help you figure out kind of which one you want to go with, and it will tell you which what to kind of needs to be rolled over to like a rath for oh, one k needs to be rolled over to a roth I r a regular for one k

into a traditional ay. Stuff like that. Like we get questions like that a lot, but it's hard to say, like without typing a whole paragraph being like, well, you have this, you need this, and if you have this, you need this, and if you make this much like consider this. So this is just like a free service that can help you do that accurately and not leave you avoid that big tax bill that could come from

doing it incorrectly. M Yeah, so that's capitalized. It serves a needed function and of that about this app And they've they've reached out to us because they like what we're doing on Frugal Friends. So that means I like them as people. If they like us, we like them. Yeah, don't that way. But yeah, we did not put them on this list Real Simple did. Alright. The next one we're going to highlight comes from the category of shopping.

I would also just say spending. But Real r e L is an app that can help us to make debt free purchases, so specifically for purchase big purchases or even small purchases that you have in mind, it helps you to set up a savings plan for that specific item. So it acts like an account that can pull money automatically from your bank account, checking account on a daily or weekly basis, to add contributions to it automatically, and then it even will alert you once you've got the

desired amount in that account. And it sounds like it can actually make the purchase for you of whatever it is that you're trying to buy. I don't know that I would actually utilize that function. It's gonna alert before it makes the purchase, but yeah, it sounds like you can tell it what you want, how much it's gonna be, it'll let you know, and that you've got that money on the account, it can buy it. But that can act as a hey, are you sure you still want this or do you want to put the money to

something else. But it does offer that function of patience and waiting until you have the money to be able to purchase that thing and set aside that a lot of amounts that you're not just floating it on a credit card. I am obsessed with this idea because by now pay later sites have been getting so much publicity. People love them and promote them without knowing. It's not that you won't make your payments. I believe most people do make their payments on time. They're not going to

pay fees. But what they are banking on is that you buy more because after pay and affirm, these these things make a cut percentage of the amount that you buy at these retailers, and so they want you to buy more. And the fact that you can buy now and pay over installments tip, I mean, studies have shown and that's why they keep pushing it and advertising it is that you do pay more, you do buy more

if you have this option. And so I am so frustrated by these sites, and so Real is like the is combating that and being like, yeah, I get what you want, but like, let's say for it over the you know, four to six payments and then get it like it's it's so great. I wish this one was getting commercials on Blue. So the last one for me um and this one's near to my heart is careful and so this one's going to be probably for our

older crowd or our older millennials at least. But it is for handling for the caregivers, handling their loved one's expenses. And so in the US, fifty three million adults are caregivers and many look after their loved one's finances. So whether that's you know, a debilitating disease like de mend or just like you're just taking care of your parents and you want to have access to their finances because it's easier and so careful care f U l L.

It helps you do that. It's like a second set of eyes and it helps you kind of together manage and be make that easier for you. So yeah, I I. It's endorsed by UM, a friend of the show, Cameron Huddleston, who wrote the book Mom and Dad We Need to Talk, which is all about talking about finances with your parents, which is something near and dear to my heart. So yes, if you find yourself having to handle a loved one's expenses UM, or find yourself as a caregiver at any point,

definitely check out get careful dot com. I love this type of app so so much because it can be so confusing and so overwhelmed thing to be figuring out another person's finances and everything that comes along with that in a caregiving situation. So man, apps like this really do solve a problem and can really offer benefit and yeah,

I'm really thrilled about it. Yeah, and you can like nip like if there's so many people take advantage of older Americans and you can kind of see fishy activity or even see if you're if the person you're supporting is, you know, buying like a hundred dollars worth of hand soap every month, you can be like, hey, I'm you know, I'm not going to give you money if you keep buying hands soap. But that's a little too personal, but we'll go on. I digress, I digress, speaking of personal

but not too personal. We that's right, It's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you paid off your mortgage, Maybe your car died and you're happy to not have to pay that bill anymore. That's bills, Buffalo bills, Bill Clint, this is the bill of the week. Hekay, ladies, you guys are so fantastic. I had a great bill of the week. My bill was a twelve auto part for my top radiator host. One day this week, I

got to werk. My engine exploded and fun start pouring out. The anti freeze head busted. A couple hours later, I'm trying to drive to the auto shop, which is twelve miles away. My car engine is overheating. I keep pulling enough to the side of the road and finally somebody stopped and I was like, do you need help? And I was like, yeah, do you have any water? And

they said, let him take a look. They took a look, Uh, figured out what was wrong, drove me to the auto store, take us apart, came back and installed it, and I was on my way. It was great that the stranger stopped and humped and I only had to pay twelve and nine fixed my car. Thanks ladies, have a great day. Wow. Whoa, I love a good Samaritan. I love it amazing, well done. Glad that it's fixed now. Yeah, I'm I'm so glad that there are good people in the world. That's the

bill for me. That's the bill for me. Yeah, there are good people in the world. Most people desire to be good people. Yeah. I think if you were ever questioning about this is awkward. Should I be kind, be awkward, and be kind. I think that. I think that's the moral of the story because you could really help somebody who really needs it. And yeah, and and then they'll share your good deed on a podcast and inspire other people to also do good deeds. So thank you Stevie

for for sharing that with us. If you want to submit your bill of the week, if it's about a good Samaritan or not, visit for Cool Friends podcast dot com slash bill, leave us your bill, And now it's time for Slightly Wound. So we said the title of this show was our favorite personal finance apps. So let's like, stop listening to Google. Let's talk about us, Jill m let's talk about us, baby, Let's talk about you and me.

You can see us. Because that wasn't the real line of this and also it wasn't even like on pitch, so right, it's totally different, all right, So I'll go first, I again apps. Um, I much prefer apps at a restaurant. But let's see what I've got hungry. So Personal Capital is number one for my personal finance apps. I use

it pretty frequently too. I will reconcile transactions in a Google sheet, So a Google sheet is my my other most used and just to make sure that we are on the right trend, Like we have goals, I say, budget goals that we like to hit just so we can be conscious. Like I like to spend no more than fifty bucks a week on takeout. You know, that's that's kind of a limit. So just to make sure

that we're we're staying around stuff like that. So personal capital, Google sheets, M one finance, Um, it's where I have our savings for our rental property. We are saving up to buy a multi family so that's where I have that. And Raise, which isn't really a personal finance app, but I get discounted gift cards and that's that's looking like it's it. That's great. It's good to be simple with that and you've learned what's going to be most useful

for you and your lifestyle and your current needs. Yep, that's it. Also Josh. We talk about Josh and Raise in our other episode. Um, but Josh is like a cash back app and you just connect you don't even need the app to use it, honestly, but you connect your card and then if you shop somewhere and they have a lot of local stores. So if you dine out at a local, locally owned restaurant, potentially could get

cash back from Josh. So I like that local incentive part of Josh, and those types of apps are awesome. I think it's worth identifying two to three. Like we could flood our phones with so so many, but even those money saving those cash back, identify just a couple because otherwise it's going to be overwhelming. We won't use it. Even if we do use it, we might not remember to like cash in so to speak, on whatever the rebates or incentives are. So don't overwhelm yourself. Just pick

a couple that's for you. Yeah, try one out in every quarter maybe, so let's give yourself a quarter to try it out. For me, I'm similar as it relates to budgeting. I use a Google Sheet so yeah, I can have the Google Sheets app on my phone if that count. Yeah, I do have the Google Sheets app, yeah, exactly. So I don't use an actual budgeting app for that. I've learned what works for me and I just I use a sheet. Beyond that, though, I do use other

specific apps for saving money at my favorite places. So one of my favorites. I'm going a little bit rogue, a little bit off script from the specific apps that we've talked about today, but Yelp is an awesome one. It's one of my favorites, not only to find really great restaurants in the area, but a lot of times when you are logged into the app and you like check in at a place, you can get free stuff.

There's been plenty of places that are like you get a free app for logging in or leaving review you can maybe buy one, get one or a free dessert, that kind of thing. By using Yelp and doing reviews for people, so so great and I trust Yelp more than any other review site. Google reviews on restaurants I find are not as reliable as the Yelp reviews. Interesting, yeah,

you research, Yeah, I think Yelpers. I think that's called are more conscientious about what they're writing and and maybe a little bit more hardball with it, and yet it leads to better reviews, more accurate reviews. So a lot of times I find that Google might give a four and a half star, but it's only like three and a half on Yelp. And I'm gonna trust Yelp every day, so okay, and then another one that I have been

using lately is split Wise. So it's a really helpful app when either eating out with friends or traveling with people to be able to identify who's spending what and then it kind of reconciles at the very end what everyone owes each other. This is great for bachelorette, bachelor parties, or weekends, a weekend trip with friends, you name it. Any time that various people are shelling out different amounts of money that eventually you want to reconcile with each

other on or even like party planning together. If you're throwing some sort of bash for something a baby shower, and different people are paying different amounts of money, you can throw it all into the split wise account. And it even has the different functionalities to say do we split it equally? Did one person just pay and everybody

else owes this amount. It's quite a complex system where you can input to various amounts of money different people, and then at the very end you just click a button reconcile, and then it shows who owes what amount of money. I've gone on a couple of trips with people and have utilized it and it is fantastic. Split wise, why is okay awesome? Well, I hope that you guys got some new ideas for apps maybe if you're looking for some. If you're not, then don't try to solve

your problem with an app. I think that if you see a problem in your life, there is probably an app for it. But don't create problems just because you see a cool app. And that's kind of the moral of the story. That's it. Good summary each Thank you so much for listening, and thank you so much for your kind reviews on iTunes and Stitcher, like this one from half four fifties six It just happens to be five stars, says great informative podcast. I love this podcast.

The hosts are friendly and down to earth. I love their belief that being frugal should be fun. Candice, Oh it's from Candice. Yes. Oh I know Candice. Ah, Yes, Candice. Thanks Candice, Candice so kind. We also want to thank our friends who share these episodes on social media US. So when you share the latest episode and tag us on either Facebook or Instagram, we add you to our monthly drawing for every five tags and reviews we get each month. We are giving away a copy of the

values based budget Binder. Yes, that's our new newest binder in our store. So it is not even available to the public as of this recording, but by the time you win it, if you win it, it will be uh So keep leaving us those reviews on iTunes or Stitcher and sending the screenshot to Frugal Friends podcast at gmail dot com, and don't forget to tag us on social Bye see you next week. Frugal Friends is produced by Eric Syrian Jen. It's your favorite app appetizer I love? Well, yeah,

I guess it just depends on where I'm at. You know. I love a good buffalo wing with ranch um. I love a good garlic knot with marinera. Oh, I love a good canopy. What's that? It's a small small, bite size anything bite size? I think just you put it you just pick it up and put the entire thing in your mouth. Mm hmm. So that yeah. What about what about you, Jill? Oh gosh, Well, there's so many

different categories. There's the you make it at home category, there's the you get it out at a restaurant category. For the ones that I make at home, I would say, buffalo chicken dip, real good, go to stuffed jalapenos, Filipino poppers, maybe if you will. What else cheese? Like like a block of cream cheese with a spicy jelly over top of it that you can dip your crackers into. See, I don't make apps at home, and I wish, I just I can barely get dinner on the table. So

a bruschetta a top. You make a good bruschetta. Yeah. And then if I'm out and about, you know, I'm a sucker for some of them olives. And then I think when I go out, I like the ones that you can't necessarily make at home. You know that might have the words that really get at me, Like if there's anything artichoke or caper or like spicy mayo in it, Like I'm gonna try that apps tiny meals, tiny, tiny canopy? You'd love canopies? You love an order or divorce? All right, Well, I need to go eat now