apps

From saving for a big purchase to paying off a loan, money management apps can help you take control of your finances. However, selecting one can be more difficult than figuring out the interest, fees, or charges on your latest credit card statement. We rounded up the top three apps to help you manage money.
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Do you ever look at your credit card statement and laugh at how often you spend money at the same four or five places? I definitely do. I have my favorite spots that are part of my daily routine and I'm always trying to think of ways to make my money go further, but I'm not willing to give up those purchases that are a normal part of my week. So rather than skip my morning coffee to save a buck, I use Drop.

Drop is an app that lets you earn points when you shop at your favorite stores. All you have to do is link your credit or debit card. Once you sync with Drop, you then select your five favorite stores. Then, any time you use your card at one of those five stores, you earn points that can be redeemed in the form of gift cards. It's literally that simple.

For me, there were almost too many options to choose from when selecting my five stores. There was Dunkin' Donuts, which was a no brainer since I need my coffee every day. Then there was Uber, which I always end up taking even when it's not in my budget. And of course I had to include Seamless, because I'm never in the mood to cook when I get home from work. To round it out, I chose Chipotle, my go-to lunch spot, and Target, which is where I go for everything else.

All I had to do to start earning points was go about my normal life and I saw the points start to roll in with each purchase. I knew I was spending a good amount of money at those five stores, but I had no idea how easy it would be to start getting rewards points. And if I want to earn even more points, Drop is constantly sending me additional offers from other brands that I love, like BirchBox and Boxed.com, so I don't just have to rely on my five main stores. Since I started with Drop two months ago, I've already used 10,000 points to get a $10 gift card at Amazon. It's that easy!

With Drop, I see all the deals available to me in the app and I can keep track of them in one convenient location. I've been trying to tell as many of my friends as possible to try Drop because there's zero downside and it takes almost no effort at all to earn points. I can't imagine I'll ever stop using it. It's literally the easiest way I've ever earned rewards points. I even get offers for new deals to earn more points at other places like Amazon and Barnes & Noble. Since signing up with Drop, I know I'm getting getting the best bang for my buck.

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Photo: Domenico Loia

By Tom Twardzik

Sometimes, the difference between a successful day of work and a frustrating one is a set of efficient, uncomplicated tools. For someone working from home or otherwise away from the office, the primary tool set is often a computer. A standard word processor, a default email client and the desktop sticky notes might be enough to complete your tasks, but a more personalized and powerful desktop will boost your productivity and overhaul your creative process. The Mac apps below highlight the best ways to upgrade your tool set for a more efficient home or remote office.

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Curious about investing, financial literacy, and getting your bank account popping? Has the language, the entry barrier, and the giant heap of information you need to learn to be successful discouraged you from taking that first step? It's a universal problem actually, with more than a quarter of the population having admitted that missing just one paycheck has sent them into dire financial straits. So some brilliant minds have worked to solve that by developing apps that help us overcome our human inertia and make saving and investing a really fun adventure. Here are 5 apps that will help you get your bank account in action.

Stash

Stash is cool because they present you with the tools and options to build a portfolio based on your lifestyle and values. Free for the first 3 months, and then just $1 per month after, you can start investing for as little as $5. Stash also provides simple savings and investing tips to help you develop smarter financial habits. Set your funds on auto-pilot and watch your stash pile up.

Acorns

An app that makes investing for us common folk effortless, I'm personally fond of Acorns. Acorns syncs with your with your bank account and credit cards, rounds up the spare change from your purchases and invests it, and you watch as your piggy bank grows

Betterment

Many of the reviews of this app are from more seasoned investors who say Betterment makes investing easier and allows you to see all your account balances in one central location. Betterment provides a range of different account types that you can customize, tailored for optimal returns. Betterment boasts tax-efficient rebalancing, automatic dividend reinvesting and automatic deposits. Betterments mission is to help people better manage, protect, and grow their wealth.

Robinhood

An outlawing the investing world, much like its namesake, Robinhood provides free stock trading on a slick platform tailored for smartphones and smartwatches. While this app is still too new to have any reviews in the app store, it is an Apple Design Winner, and a critical darling. With no minimum balance required it's a great way for beginners to bend the learning curve, and an awesome tool in the back pocket of the savvy vet.

Of course, if you're looking for something with a lot more zing, you might want to check out a membership to Jim Cramer's Action Alerts PLUS, which provides you with real-time trades. For more on that, click here.