10 Free Smartphone Apps

There’s an app for that: 10 Free Smartphone Apps 

According to a January 2014 Pew Research study, 90% of American adults have a cell phone, and 58% of those own a smartphone. It’s no wonder that number keeps rising, as the possibilities are endless when it comes to what our smartphones can offer.
But today’s smartphone technology has also presented us with more opportunities to make costly money mistakes, like being able to make a purchase from anywhere with just a few swipes of the finger. 
On the flip side, it has become easier than ever to stay on top of your finances, with apps that allow you to monitor your bank accounts, organize your budget and pay the bills.
This month, as part of their year-long public awareness campaign, “Keeping Up with the Joneses” program, the financial experts at mpowered and Bellco have rounded up ten of their favorite FREE smartphone apps to help you manage your budget, keep track of spending and even save money. 
1. Mint
This is one of the most popular and comprehensive personal finance smartphone apps available. Mint organizes your spending into categories, offers professional advice and provides automatic reminders via text or e-mail.
Use the envelope system to take control of your budget by organizing spending into categories. Free for up to four accounts.
Use your smartphone’s camera to take pictures of your receipts. For the working professional always on the go, CamScanner is great for keeping track of business expenses.
Looks at how much money you take in each month, how much you spend on rent and bills, and how much you want to save, then gives you an amount you’re allowed to spend each day. Plus, it plots out how well you stick to that daily budget. 
For the student or recent graduate, Nelnet makes it easy to manage your student loans. Make loan payments on your iPhone or Android with Nelnet’s Loan Assist app, and calculate your monthly payments and estimate interest with its Loan Calculator app. 
This do-it-all app brings everything together in one secure place. MoneyStream detects your bills, organizes them onto a calendar, updates amounts and due dates of upcoming bills, and alerts you of anything unusual. It even charts your past spending and future cash flow.
Focused on the investing side of personal finance, Personal Capital targets aspiring financially stable people whose net worth is from $100,000 to $2 million in liquid assets. This wealth management app offers a 401k-fee analyzer, investment checkup and more.
As the business and financial market news leader, Bloomberg helps you track the latest market data and news affecting markets. Keep tabs on your favorite companies and indices over time.
Designed right here in Denver, Colorado, Ibotta gives consumers a new way to earn money back when shopping at their favorite stores. This location-based app alerts you to opportunities to get cash back at over 80 retail chains, restaurants, movie theaters, convenience stores, home improvement centers, pet stores, and pharmacies nationwide.
Another location-based app, Shopkick users can earn "kickbucks" (rewards) when they check-in at participating businesses and also when they scan the barcodes on specific products.
Check in with the Joneses to see how technology is helping them reach their financial goals this month, and learn more about the financial planning tools and resources available to you at www.KeepingUpCO.org.
About mpowered
mpowered is the only Colorado-based nonprofit resource for individuals and families in Colorado who want to learn about money management and participate in coaching to achieve their personal definition of financial success. Learn more at www.mpoweredcolorado.org.