Budgeting is the Key to Creating Your Own Pot of Gold


It’s been just over two months since I launched The Budget Babes and the first article was all about budgeting. Are you on track? Leprechauns are prancing around these days with pots of gold, but they’re probably sticking to a budget. It’s all about living within your means, and training yourself to think about your needs vs wants. It’s not difficult to do, but sometimes we need to change the way we think.

I wanted to share a few of my favourite budgeting apps with you in case you’re finally ready to grab the bull by the horns and take control of your finances.


As one of the most popular FREE budgeting apps out there, Mint.com seems to do it all.

  • Has an easy to use budgeting tool that links up with your debit and credit cards (automatically inputting each transactions for you).
  • Provides you with a free credit score.
  • Tracks your bills and investments.
  • Sets financial goals and tracks your savings.

I was considering using Mint.com but didn’t want to link my banking information to a third-party app. There are too many hacking stories going around these days!

On top of that, if you find you have a bit of a spending problem, Mint.com may not be the best budgeting app for you. By having your cards automatically linked to the app, it takes away from using your brain to see where all of your money is going (which we think you should manually track for a month).

Visual Budget

This is my favourite app that I’ve been using for over 5 years. It costs $7 after your first 10 transactions but is worth every penny. The design is sleek, and the overview of your income vs expenses on both a monthly and yearly basis is a great feature to track your overall spending. It takes a little bit of time to organize your expenses when you first download it, but once you’ve customized it to fit your lifestyle, you’re off to the races. Another great thing about this app is that you have to input each transaction manually. Although some would see this as annoying, it’s a great feature for those who are just starting out and need to re-wire their brain to understand where their money goes. Spending a few dollars here and there can add up quickly when you don’t think about it. This app will force you to think about it. You can learn more about it on their website.

Other reputable budgeting apps

You Need a Budget (YNAB): $50/Year

Wally: Free

Level Money: Free

BUDGT: $1.99 (IPhone Only)

There are so many more apps out there and you really have to do a bit of research in which ones work best for you. Some of them cost money. Others take more time to manage. But if you’re serious about getting your finances on track, I highly recommend making the jump and using something to track your daily/monthly/yearly spending. You’ll notice that you’ll think differently once you start, and you’ll be able to reduce your mindless spending so you can begin filling your own pot of gold.


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