Smartphones do a lot of the people that use them. Your phone can get you placed on time, make sure you donâ€™t get lost, remind you to take your pills, and they can help you keep track of your money. Your cell phone could be your best direct link to your bank account.
It seems like there isnâ€™t anything you canâ€™t do with a smartphone these days. They cut out the need for clipping coupons, have a bank register booklet, and sometimes they cut out your need to even leave your home. You can shop through your phone, deposit a check into your bank account, and even transfer money between accounts, all from your phone.
Know Your Credit Score
If you are working hard at repairing your credit score, youâ€™re going to want notifications any time there is a chance so you can do something about it if it isnâ€™t a change you like. With apps like those through Credit Karma, you can get notifications via email or text message so you know whatâ€™s going on with your credit no matter where you are.
Get Credit Card Alerts
If you have credit cards you can usually set it up so that your card company notifies you when youâ€™re getting close to your spending limit. This can help save you a lot of annoyance at the checkout counter in a store. Nothing is more embarrassing when youâ€™re shopping than having to put something back because you maxed your credit card.
Watch Your Checking And Savings
You can also download bank and credit union apps. This will let you keep track of how much money you have in the bank. Plus, like with your credit cards, you can also chose to get notifications when youâ€™re nearing the bottom of your bank account.
Many of these apps also make it easier to transfer money and make deposits. You can usually photograph a check to deposit it, instead of finding time to actually go to the bank.
If you have your bills set up to automatically come out of your bank account, your phone will be your reminder of when this happens. Many of these utilities and businesses give you the option to have a text or an email sent as a reminder the day before theyâ€™re going to withdraw payment (hopefully saving you from overdrafted bank accounts).
Paypal And Other Sites
Paypal is one of the most popular online money sites, but it isnâ€™t the only one. If you do a lot of business online youâ€™re probably familiar with such sites. Your smartphone makes it easier to manage your money in these sites as well. Many of them have apps for your phone, giving you the option to transfer to your bank even when youâ€™re on the go.