girls looking at phone

@twinshenanigans/Twenty20

The following post contains affiliate links for which The Cashlorette may receive compensation when a user clicks on any of the links or makes a purchase after clicking on any of the links. The products and/or services referenced and linked on this post are made at the sole discretion of the author, and the compensation received will never influence the content, topics or posts made in this blog.

If you’re like me, you’ve got a smartphone stocked with apps to make your life easier and more enjoyable. Need to curb a craving? Order a ride to the bar? Filter a photo? There’s an app for that.

So it’s no surprise that there’s an army of apps out there dedicated to making your finances more organized and manageable, and these days, a piggy bank just won’t cut it. To help you cut through the clutter and find the ones actually worth downloading, I’m highlighting my fave financial apps that always have a spot in my phone’s storage space.

For your budget: Mint

Price: Free

Available on: Apple iOS and Android devices

With so many budgeting apps out there, you’re bound to find one that fits your unique, budgeting style. But if you don’t want to download every single one to figure out which one is the perfect, financial fit for you, check out Mint.

Mint is a great, go-to budgeting app that has developed a loyal following of fans. It paints a pretty comprehensive picture of almost all aspects of your financial life on just one screen. Just link your bank accounts!

Mint allows you to create and edit budgets, track your spending in different categories, set savings goals, track and pay bills, schedule payments and track your investments. It even provides you with a free credit score overview and sends you suggestions on how you can improve your spending habits. It’s an awesome, catch-all financial app that’s definitely worth a download.

For your credit card: Debitize

Price: Basic service is free, additional features, like the Credit Optimizer, charge a small fee

Available on: Apple iOS devices and desktop

Does the thought of drowning in credit card debt leave you in a cold sweat? You’re not alone.

Many millennials remain wary of credit cards, and the threat of overspending or missing payments is enough to make us want to distance ourselves as much as possible from that shiny piece of plastic. But credit cards offer many perks, like cash back and frequent flier miles, and are also key to building good credit. What’s a girl to do?

Download Debitize.

It’s an app that gives you the perks that come along with responsible use of credit cards, while giving you the peace of mind of not missing payments. After syncing up your credit card and bank account info, continue using your credit cards as normal.

When you charge something to your card, Debitize will deduct the amount of that purchase from your checking account each day stashing it in your Debitize Reserve Account. Then, when your credit card bill comes, Debitize will pay it off automatically and on time with your money in that account.

It’s kind of like credit card training wheels; while you’ll reap the rewards that come with borrowing, the responsibility that comes with it are simplified and streamlined.

For ponying up: Venmo

Price: Free, but a 3-percent fee is applied for credit cards

Available on: Apple iOS and Android devices

Ponying up with this peer-to-peer payment app has never been easier, so your friends officially are out of excuses for not paying you back for that round of drinks.

After linking your bank account or debit card, you can send or request money to anyone else with a Venmo account with just a few taps. Easily transfer money from your Venmo account to your bank account in just one business day, or keep some cash in your Venmo account to pay off incoming Venmo invoices. Nickel-and-diming your friends down to the penny might not be the best for your relationships, but hey, a girl’s got a budget to stick to! Personally, I use Venmo to do everything from splitting the dinner check to paying my roomie for rent.

My advice, though, is to deactivate the social sharing feature on the app, which acts kind of like a Facebook wall for transactions. Do you really want your ex knowing you paid your BFF three days ago for rent? Didn’t think so.

For investing: Acorns

Price: $1 a month; for accounts of $5,000 or more, 0.25 percent per year

Available on: Apple iOS and Android devices

If you’re flirting with the idea of investing, you’re about to have a major crush on this app.

Acorns is great for newbie investors that don’t have the wiggle room in their budget for significant investments. With a micro-investing approach, Acorns rounds up your everyday purchases to the nearest dollar, investing the spare change. Just link your credit cards and accounts, and start investing with every purchase you make, so you’ll feel a little less guilty about flinging your money around at bottomless brunch.

Another aspect of Acorns that I’m all about is its Found Money feature. It works like cash back, but for investing; if you shop at one of Acorns’ partner stores (including big names like Apple, Walmart and Macy’s), they’ll automatically invest in your Acorns account. Not a bad deal.

For deals: RetailMeNot

Price: Free

Available on: Apple iOS and Android devices

If you’re paying full price when shopping, you’re doing it wrong.

RetailMeNot is my favorite app for finding deals and coupons, and offers deals from over 50,000 retailers. Using your current location, it shows you a list and map of all the offers that are going on near you, so whether you’re searching for a lunch spot or new fall boots, you’ll never miss a deal. You can also redeem exclusive deals and cash-back offers just by showing your phone at checkout, so skip all that clumsy, coupon-clipping.

I did a quick search to see what’s currently available near my office in Midtown Manhattan and online, and was bombarded with some amazing offers, including up to 50 percent off at Shoe Carnival, a free one-day movie rental at Redbox and a BOGO deal at Boston Market. Warning: This app makes it easy to spend on things you don’t need! Reel it in.

What’s your go-to financial app? Tell me on my Facebook page!