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Wednesday, August 29, 2018

Money Management Apps You Must Have in Your Smartphone

Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.
You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.

Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO
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Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO
Mint

Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice
 based on your spending habits to gain more control over your budgeting. 


Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO
You Need a Budget

This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.
Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Acorns

Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.
Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Coinbase

If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.

As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.
Ads


Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Wally



Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going. 

Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Cashalo

This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.
To know more about this app, click here.
Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Venmo

 Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.


Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Home Budget

 Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses. 

Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
Robinhood

 It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge. 
So if you are new to investing, this app might help you.

Ads

Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans. All these apps are ready to be downloaded at Apple Store and Google Play.    Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Advertisement        Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  Mint  Mint gives you a heads up when bills are due, your loans and what you can pay. It can also send you payment reminders to avoid penalties. Mint even gives you sound advice based on your spending habits to gain more control over your budgeting.     Modern technology can be useful in making human lives easier. In this age where everything has corresponding applications whether you are using an Android or an iOs platform in your mobile device or smartphone, there is an application that suits your needs.  You can even handle your finances using an app as a guide if you are not adept at money management. There are also apps for investing and availing loans.      Advertisement    Mint  Hands down, the free Mint app from Intuit Inc. (INTU) – the name behind QuickBooks and TurboTax – is an effective all-in-one resource for creating a budget, tracking your spending and getting smart about your money. You can connect all your bank and credit card accounts, as well as all your monthly bills, so all your finances are in one convenient place – no more logging into multiple sites.  Mint lets you know when bills are due, what you owe and what you can pay. The app can also send you payment reminders so you can avoid late fees. Based on your spending habits, Mint even gives you specific advice to gain more control over your budget. The free credit score is a nice bonus, too.   Special features: Shows your real-time credit score This app is for you if: You want to know how much money you have at any given time across multiple accounts and cards.    You Need a Budget: Best app for getting out of debt  You Need a Budget (YNAB to enthusiasts) is unlike any other budgeting app you've used before. YNAB helps you stop living paycheck to paycheck, pay down debt and "roll with the punches" if something unexpected comes up. It's built around a fairly simple principle – every dollar has a job.  You Need a Budget doesn't let you create budgets around money you don't have – it forces you to live within your actual income. If you get off track (and who doesn't occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month.   Special features: Not only can you set up weekly/monthly budgets (all personal finance apps do that!) but you can also set up budgets or individual projects, like "Christmas gifts 2018."  This app is for you if: Every other attempt you've made to get your budget in check has left you frustrated and hopeless.  Acorns: Best app for painless saving  Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn't. Basically, every time you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference. Acorns put your pocket change to work in an utterly painless way – users say that they never even notice the difference. Wouldn't you love to find an extra $300 or $500 or even $1,500 in your investment account each year? The service is free to college students and charges just $1 per month for pretty much everyone else.  Special features: You can set up your Acorn app to automatically invest your savings without your even knowing about it  This app is for you if: You have never owned a share of stock because you thought you didn't have enough money to invest.  Coinbase: Best app for trading Bitcoin ... and Ethereum, and Bitcoin Cash.  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop version. If you're worried about ease of use, the app might be even better for some people than the desktop version, due to the simple interface.  As with the desktop version, purchase limits are capped at $9500 per month for the first-tier user. You can raise that cap to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Special features: You can set up price alerts in advance so that you know when your target sell/buy price has been met.  This app is for you if: You want to get started buying and selling bitcoin, or sending it to friends.   Ads   Wally: Best app for tracking expenses  If you're the sort of person who'd love to be as organized with personal expense tracking as you are with your expense reports at work, you'll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you simply take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.  Wally is a clean, streamlined app that's extremely convenient and easy to use. It's a great choice if you'd like more insight into where your money is going.   Special features: You can take a photo of your receipts instead of manually entering numbers. Less typing=less fat-fingering errors.  This app is for you if: Your previous attempts to track expenses were abandoned within a month because you hated typing stuff.  Tycoon: Best app for models (and other freelancers)  Tycoon was founded by supermodel Jess Perez, who modeled for Victoria's Secret and Sports Illustrated's famous Swimsuit Edition. Perez noticed that models, as with all freelancers, were often paid very late for their work - sometimes months or even years after the contractually required payment period. Late payments are easy to forget, which makes it that much harder for freelancers to chase after clients who owe them money.  According to Perez, the most common job descriptions for users of her app are photographers, developers, contractors, and models.   Special features: Tycoon App is catered to a freelancer's special needs, such as calculating take-home pay minus agent commission so you can decide whether or not to even accept a gig. It also makes it easy to see at a glance which clients have not paid you yet.  This app is for you if: You want to decide whether it's worth it for you to take a certain freelance gig. Time, after all, is money.   Cashalo  This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only. To know more about this app, click here.   Venmo: Best payment app for splitting the cost of a pizza with friends  Venmo was acquired by Paypal in 2013 for $800 million. The app similar to PayPal, but, in the words of the official site, "is unique in that Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation."   If you want someone to pay you, you send them your personal QR code so they can add you as a recipient. The limit for transactions is $299.99 in a given week. If you set up for authorized merchants payments, your limit for sending funds is $2999.99 weekly.  Special features: If you choose, you can share your transactions with your friends or even the whole Venmo-using world.  This app is for you if: You are the type of person to share your Fitbit running data on your social media feed.  Home Budget  Every OFW spouse must have this app. Home Budget is designed to track bills, expenses, account balances, and everything else related to home budgeting. There are also graphs and charts to show you whether or not your spouse is exceeding the monthly budget you set.  Similar to other apps, Home Budget is also free and available to iOS and Android users.  Robinhood: Best investing app for the 99%  Robinhood is a game-changing investing app with a very unique and unbeatable feature: transactions are free. (They make money by upselling premium services like margin trading). It's also one of the very first personal investing apps to offer Bitcoin trading capabilities. Founded by Vlad Tenev and Baiju Bhatt - former roommates at Stanford University - the app is something of a Cinderella story. They were turned down by 75 VC investors before finally securing funding.   Special features: "Cards" appear on your screen to give you real-time news alerts and market information. They sound intrusive but they're actually helpful, and you can customize them or opt out altogether.  This app is for you if: You like free stuff and you're brand-new to investing. Ads  Ipon: 52 Weeks Challenge  52 weeks challenge is popular every start of the year. It gives you an idea of how much you can have at the end of the year when you set aside a specific amount every week. In case you are having a hard time sticking to your saving commitment, then this app could help.  Available to Android users, this app helps you set your financial goal and make sure you stick to a schedule. It also helps you keep track of how much you have, shows you a progress record, and sends you reminders in case it’s time to set aside the amount you promised to save. Don’t worry. This one is free as well. Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans  Read More:  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.   What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.  ©2018 THOUGHTSKOTO  You Need a Budget  This app forces you to live within your means. If you get off track YNAB helps you see what you need to do differently to balance your budget. The built-in "accountability partner" keeps you on your toes. Although users pay a small monthly or annual fee for YNAB, it is so effective that the average user pays off $500 in debt for the pilot month.   Acorns  Acorns allows you to invest your spare change automatically turning it into an earning. So if you think you did not have enough money to own a share of stock this is the app for you.  Coinbase  If you only want one app for trading Bitcoin, Coinbase is a good start. The app is a stripped down version of the desktop app but it is easier to use if you are working on a desktop computer.  As with the desktop version, purchase limits are limited at $9500 monthly for the first-tier user. The cap can be raised to $25,000 if you are willing to provide additional proof of identification, by uploading your passport or other personal documents.  Ads       Wally      Instead of manually logging and organize your expenses, this app lets you simply take a photo of your receipts. It is a clean, streamlined app that's extremely user-friendly. It's a great choice if you'd like more insight into where your money is going.       Cashalo    This mobile app allows you to make a loan through your smartphone and you can get the result in about 30 minutes only.  To know more about this app, click here.    Venmo     Similar to PayPal, as described by their official site, " Venmo allows users to share and like payments and purchases through a social feed. The service is popular with the millennial generation." It was acquired by Paypal in 2013 for $800 million.        Home Budget     Home Budget is designed to keep you updated with your bills, expenses, account balances, and everything else related to budgeting your home expenses.       Robinhood     It's one of the pioneers of personal investing apps to offer Bitcoin trading. Vlad Tenev and Baiju Bhatt, former roommates at Stanford University invented this app which you can use free of charge.   So if you are new to investing, this app might help you.    Ads      52 Weeks Money Challenge  This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.  Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management

52 Weeks Money Challenge

This app helps you set your financial goal by making sure you strictly follow a schedule. It also shows you a progress record and reminds you in case it’s time to set aside the amount you promised to save.
Filed under applications, Android,  iOs, money management,  app, mobile device,  investing,  loans, money management
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What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
What is the main reason why many Filipinos decided to leave their beloved family behind and work abroad? It is to earn more in order to be able to give their family the best possible future they can give. To buy the things they need, to have their own house to call their home, etc. The overseas Filipino workers  (OFW) are usually breadwinners supporting even their extended families as well. The remittances the OFWs send to their loved ones used to be enough to pay their bills, mortgages and even a little extra for them to go to the mall and enjoy. Today, the families of the OFWs are experiencing difficulty in stretching their budget for the whole month due to the high prices of everything. From basic commodities, transport fares, school supplies, etc.        Advertisement  Godofredo's wife is an OFW in Malaysia. She needed to work there because the family cannot rely on his salary as a "barangay tanod" alone. They use the remittances they receive from his OFW wife for the education of their children, while his salary from his local job is used to pay their electric and water bills.   Gina also experienced difficulty in making ends meet and forced to transfer her children to a public school because the remittances sent by her OFW husband is not enough anymore for their expenses.  The remittances sent by OFWs abroad is considered the redeeming grace for the Philippine economy by helping stabilize the country's dollar reserve.    Ads   The Bangko Sentral ng Pilipinas (BSP) said that the OFW remittances had been slowing down and this year was the slowest flow of cash remittances in the past seventeen years. It is due to the repatriation program of the government, according to the BSP.  From $13.8 Billion from January to June last year, OFW remittances had slightly gone up to $14.2 Billion at the same period this year.  The government said headline inflation rate went up to 4.6 % in May as compared to 2.9%  last year mainly caused by price increases in fish and seafood, fuel, lubricants, bread, and cereals. Average inflation at 4.1 %, higher than the government’s 2 - 4 % target for 2018. Due to the price hike, OFWs are encouraged to send at least 20% more of their usual remittance for their family to cope up with the experienced inflation, at least until the prices stabilized.    Ads  While OFWs do their best to provide for heir family back home, the latter also need to learn to value their sacrifices and hardships by spending the remittances wisely. It is important for them to know how to spend the remittances wisely as a way of helping their beloved OFW.
©2018 THOUGHTSKOTO