In 21st century, smartphones are making our lives easier in all areas. It would seem that the secret of happiness is obvious – you don’t have to be a millionaire to live well. it’s enough to manage your expenses correctly. But money burns a hole in someone’s pocket. The most obvious solution to the problem is to make spending conscious.

It is much easier to control your expenses, choose the most convenient program-controller, and put your income and expenses into it. Many of them have options for planning and optimizing expenses, and useful hints.

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Here are the most popular controllers apps

There are many apps to plan your budget. These tools include tips that help spend money thoughtfully and postpone it for vacation, important purchases, or pleasant things.

Family 11

Family 11 Has been around for over 10 years and is available in 2 versions – Standard and Professional. The first version is an excellent option for family budget management. It allows you to fix your income and expenses, plan your purchases. There is an option of drawing up a plan of repayment of loans, accounting for unplanned expenditures.

You can set a goal in the program, an expensive purchase or a trip. Family 11 calculates how much you need to set aside each month to accumulate the required amount over a certain period of time. Family 11 Professional is designed for business owners as it captures all current expenses and calculates profits.


One more convenient program for calculation of expenses. Its main advantages: convenient interface and intuitive use, while taking up little space on your computer. The program is free, which is also an important plus. Using AbilityCash, it is possible to make the plan of expenses, payments under credits. There is an option of financial planning, which counts the plan of accumulation of means for a large purchase. The user independently chooses a way of accounting and currency.

Personal Finances

It is an elementary program that requires a little RAM. The trial version can be installed free of charge, and you will have to pay extra for the extended version. The interface of the program is bright and clear, which is ideal for beginners in home accounting. At the same time, Personal Finances is quite functional. It can fix expenses, compare results for different periods. A special calendar will remind you about monthly payments (housing and utilities, credit).

Money for iPad

It is an application for Apple tablets that allows you to fix expenses anytime and anywhere. It is paid, you can download the program from the App Store. The app will seem difficult for a beginner, but you will certainly appreciate its wide possibilities once you understand it. Expenses and their dynamics can be assessed as a percentage. You can create charts, attach pictures or melodies to transactions.

Expense Manager

An application for Android devices that is available for download on Google Play. In it, you can track expenses, analyze them, and compare financial results for different periods. The application also has a financial planning feature.

Daily Budget

If you want to start saving money for something more meaningful than a lunch in the canteen, this app will help you pull yourself together and calculate the number of your daily expenses. First, you need to drive your monthly income, indicate the amount of standard monthly expenses (for example, utility bills), and indicate the percentage of the total income you want to save in the piggy bank. After a little thought, the application will give you the amount that you can safely spend during the day.


A convenient and appreciated by many applications for home accounting. Allows you to record expense, income, transfer from account to account, and estimate account balances. There is an opportunity to see the entered information in the form of graphs – and immediately, it becomes clear where the holes are in the budget.


All the above apps are about what has already been spent. YNAB offers not only software but also a financial management methodology. The difference is that this application’s whole emphasis is on planning your expenses and looking to the future. You determine in advance what each cent will go for, and then stick to the budget. And it really works.

Psychological barriers and ways to overcome them

Regularly faced with a shortage of money, the need to borrow from friends, or to arrange loans, you unwittingly think about the need to control costs. However, faced with this problem, not everyone goes to real actions. In fact, there is only one reason: you do not want to see real amounts spent on useless things.

A few simple tips to start taking action:

  1. Download and install the selected program to control finances, preferably on your phone. If you install it on your computer, there will always be an excuse for inaccessibility, inconvenience, and “just forgotten.”
  2. Display the application icon on the main screen.
  3. Choose the application clearly, so there is no temptation to give up everything because you are tired of understanding the program.
  4. Immediately select the actual categories you will use, create new ones if necessary.
  5. Do not postpone entries for later; write down the amounts immediately.
  6. To not feel like a petty miser, allow yourself not to fix small expenses, for example, up to 100 rubles.
  7. Determine for yourself the amount that you are willing to spend just for fun. For this, you will need to calculate the total income, mandatory expenses. Having a benchmark, it will be easier to estimate the amount received at the end of the month.

The right app will help you put your family’s finances in order. And the analysis of the accounting results will show what expenses should be reduced, and at the expense of what funds you can make savings.

Remember that taking control of your finances is the first step to improving your well-being. Over time, accounting for expenses will become a habit, and the benefits will be obvious in a couple of months.

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