This money-saving service is available for many types of bills, including phone, internet and cable. While this is a free service, if PocketGuard is successful at saving you money, it takes a 40% cut of the savings. For example, the app noted that my monthly Verizon bill was $218.97 per month, and estimated that it could negotiate a savings of $12.48 per month. PocketGuard can even help you lower some of your bills. PocketGuard’s budgeting charts also provide some great visuals of your month-over-month spending habits.Ī newer feature is that you can set up push notifications to receive alerts in regards to your finances, such as if a bill due date is approaching, income has been received, you’ve gone over your budget and much more. Then, throughout the month, your budget is updated in real time based on your transactions so you can see how much over or under budget you are in each category. Once your initial setup is complete, you’ll see how much money is left over for the month, which the app calls “In My Pocket.” This helps you determine how much money you can save or spend on everything else. However, in our testing, PocketGuard’s categorizations were pretty accurate. The app automatically categorizes your transactions, but you can edit the category for any transaction if the system gets it wrong. When creating your budget, PocketGuard offers many categories to choose from as well as the option to create your own categories - a feature that not all apps have. To create an initial budget, the app shows you what you’ve spent in prior months as a baseline, which you can adjust as desired. You can also manually add any additional income you receive, such as cash or checks that don’t hit your bank account. PocketGuard can link all your credit card and checking accounts together, along with other types of financial accounts, to help you build a robust budget. Best overall budget app: PocketGuard (basic version: free PocketGuard Plus : $4.99/month, $34.99/year or $74.99/lifetime)
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December 2022
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