Stress Free Money Apps

5 Apps you Need to Stop Stressing About Money


Stress Free Money Apps

Do you want to stop stressing about money? Manage your bank accounts, pay your bills, improve your credit score, make money on the go and budget from your phone with these stress free money apps!

Do you want to stop stressing about money? Manage your bank accounts, pay your bills, improve your credit score, make money on the go and budget from your phone with these stress free money apps!

Today, let’s talk about the stressful subject of money.

Like seriously, how many times did you fight about your finances with your partner? How many times did you feel embarrassed because your card was rejected?

It’s time for it to stop!

Money should not stress you out, instead, money should be a tool to help you create amazing experiences in your life.

This is why I decided to share with you a few apps to manage your money from your phone.

I do almost everything on my phone, especially staying on top of my finances.

If you have an Android phone, you can create a group of apps to keep them together. On my phone I have a group named Money with all of the following apps in it.

1. Manage your Bank Accounts

One of the the first apps I downloaded on my phone was the app for my bank. I think nowadays every bank has their own app to help you manage your account.

Since I have it on my phone, I never go online.

The app of my bank sends notifications when my account is getting close to 0 so I can transfer money and avoid overdraft fees.

It also allows me to transfer money between my accounts and to other people.

And the app has cash back deals that I can select directly on my phone when I go to a restaurant or shopping.

If you haven’t done it yet, you should definitely download the app of your bank and check out its features!

2. Pay your Bills

Since I discovered Prism a couple of years ago, my life has been so much easier! 

First of all, I have a tendency to accumulate mail in a corner of my living-room and look at it only once in awhile …

So guess who was always late paying bills and stressed out about it

Now, I pay most of them on my phone and the ones that don’t have payment available through Prism I set up a reminder within the app to get a notification when I need to take care of them.

With Prism you can pay everything:

  • credit card
  • utilities
  • entertainment
  • and more

It has a lot of cool features like a graph for each biller to compare your payments history. It will also let you know if one of your bills is higher than usual and if you see an issue you can contact the biller directly from the app.

In summary, since I use Prism I have no late bills!

The app is free and is really easy to set up, so I highly recommend downloading it.

It’s available on most of the platforms.

Check out their website to download it on your phone here.

3. Improve your Credit Score

When my husband first told me about this thing called a credit score, I thought he was making fun of me.

It was hard for me to understand why, in the USA, people place more value in the fact that you are paying back money, rather than saving the same amount of money to buy things in full with cash.

So I had to start building my credit score by buying a car and putting down only half of it instead of saving to buy it full price.

A couple of years later, my credit score was good enough for me to get a loan for a house!

But then, it went all down with my non management of bills (like I mentioned in point 2) and also because of an issue with the biweekly company that missed a payment.

Lets just say that I needed to improve my credit score to refinance the house.

And that’s when I discovered Credit Karma.

I started using it only 4 months ago and my credit score went from 661 to 748!

Credit Karma will show your credit score from TransUnion and Equifax every week with details on which factors need to be improved.

The app will tell you how to improve every factor. Sometimes it is simply a matter of time, but there are also some actions that you can take to improve your credit score.

Credit Karma is free and is available on both iOS and Android

So head over to their website today to Credit Karma will show your credit score!

4. Make Money on the Go

This is a new thing for me :)

A couple of months ago I started doing surveys on my phone just for the fun of it.

The idea is simple, you sincerely respond to questions. Some of them will make you watch a future ad, some of them you have to go to a specific place, some you need to listen to music, …

It’s fun and you get money for every survey you take*!

For now, I have two apps on my phone:

Swagbucks* has more surveys and also has the option of getting paid to watch videos, while Survey On The Go has higher paying surveys!

You should check out both of them and see which one you like the best.

5. Budget and Keep Track of it

I personally have to write down my budget on paper every month but I know a few of you prefer to have your budget online.

From all the apps I have tested, I think Mint is the best one.

I love Mint, and I have friends who have been using it for years.

It all depends on what works the best for you.

Mint offers many features:

  • Track & pay bills
  • Manage your budget
  • Improve your credit score

So if you are in the market for a free app to help you manage your budget, check out Mint.

Over To you

What app do you use to help you manage your finances from your phone?

Share them in the comments so we can all have a look at them!

* This post contains affiliate links. This means that I may receive a small commission (at no cost to you) if you subscribe or purchase something through the links provided. Read our Amazon Affiliate Disclosure here.


Julie was diagnosed with anxiety and depression during the summer of 2016 and have since been fighting mental health stigmas by bringing awareness on the subject and sharing tips to help people become happier. Read Julie’s inspiring story, “My Journey Into Acknowledging The Depression.” Feel free to send a message to Julie here.

  • Kristal Marie

    January 4, 2017 at 10:48 am Reply

    Thanks for the tips. I love going digital as much as possible, it really helps keep the paper clutter away and saves so much time.

  • Randi Pullar

    January 5, 2017 at 10:59 pm Reply

    I downloaded a couple to try them out! get post!

  • Jen L.

    January 7, 2017 at 2:58 pm Reply

    This is great, Julie! I love my bank app (I check it daily, sometimes multiple times a day!) and I have had credit karma for about 6 months, my score has improved so much! I budget using a tool I made in excel and I’m okay with it, it shows me what I need for each pay period and allows me to project months into the future. :)
    Since utilizing these apps (and spreadsheet) my finances have taken such a huge turn. I’m no longer under financial strain (as a norm) and have started this neat thing called a “savings account”!
    If you ever get a chance to read “I Will Teach You to be Rich” by Ramit Sethi, I highly recommend it! Completely changed the way I handle my finances and helped me to understand how this whole faulting thing works. ;)

    • Jen L.

      January 7, 2017 at 3:01 pm Reply

      Adulting* ;) not “faulting”

  • infocultureweddingca

    January 9, 2017 at 12:15 pm Reply

    I read this earlier and I closed it by accident. Thank you for sharing. I have my bank app on my phone and I use it alot. I have to check out the other options.

  • theorganiseruk

    January 9, 2017 at 12:56 pm Reply

    Great list ! I’m following Dave Ramsey so this is very helpful !

    • Danielle

      January 17, 2017 at 9:02 am Reply

      He has a wonderful budgeting app called EveryDollar! I prefer using it on my desktop, but the app is very easy to use as well :)

      • theorganiseruk

        January 21, 2017 at 8:13 am Reply

        Hi Danielle thanks for recommending the app , I think I’ve checked it out but there’s not an option for converting it to Uk pounds sadly !

  • maryjane

    January 9, 2017 at 1:07 pm Reply

    This is a great list! I have become so obsessed with Mint in the last 4 years. Before that I had no idea where my money was at….it was stressful. Now I’m so confident in knowing that everything is fine :) Thanks so much for sharing!

  • Bianca

    January 9, 2017 at 1:55 pm Reply

    This list is great. 2017 is the year I get my money house in order and I will definitely be using some of these apps!

  • Ankita Arya

    January 9, 2017 at 2:12 pm Reply

    Great Apps! I have been using 5Coins (ios) and its awesome.. :)

  • citygirlrell

    January 9, 2017 at 3:13 pm Reply

    This is one of the main things I am working on for 2017 and it was a great reminder to help me stay focussed and on track!

    Foirell |

  • Matt @ Sprinkles and Sawdust!

    January 9, 2017 at 5:25 pm Reply

    Thanks for this list! I’m trying out a few of these right now!

  • thetravelpockets

    January 9, 2017 at 6:22 pm Reply

    I’ve heard about Swagbucks. Might try it out this week!

  • Tina

    January 10, 2017 at 12:22 am Reply

    To help manage my finaces I just write everything in google docs but now I feel like I should try out Mint!

  • Ariel Theresa

    January 10, 2017 at 9:41 am Reply

    These are awesome!! I definitely need to check out Prism because I never ever open my mail. I kind of know the due dates and then log on and pay them then, but they’re always in the back of my mind and it freaks me out haha it would be one less thing I need to deal with. I think those apps for surveys are sooo cool!!

  • Clarissa

    January 12, 2017 at 4:58 pm Reply

    Great tips – I need to get better at budgeting. I kindof do it mentally and then (obviously) don’t stick to it. I need to actually write it all out and plan what I can (and cannot for that matter lol) spend.

    -Clarissa @ The View From Here

  • Mary winter

    August 25, 2017 at 6:14 am Reply

    I have mint and prism. Love them both. It makes me feel better seeing it in your blog. A bit of reassurance that I am on the right path!

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