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4 Steps to Make Your Tablet a Budgeting Tool

July 27, 2016 in Mama Recommends

money

Sticking to a budget is a challenge for most American consumers. Over half of U.S. adults don’t prepare a detailed household budget or keep close track of their spending, according to NerdWallet’s Consumer Financial Literacy Survey. Nearly a quarter of Americans say they don’t pay all their bills on time and one third carry credit card debt from one month to the next.

Fortunately, mobile technology is giving Americans new ways to stay on top of their spending. Here are four steps to follow to make your tablet a budgeting tool:

1. Choose a Secure Device
First things first. If you’re going to manage your budget from your mobile device, it needs to be secure. As mobile payments become more popular, mobile devices are becoming increasingly inviting targets for identity thieves. The number of American consumers targeted for credit card theft tripled from 2013 to 2014, according to a Javelin Strategy & Research report.

With thieves stepping up their activity, consumers likewise need to take stronger measures to protect themselves. The first step you can take is to choose a device with strong security features to make it harder for thieves to bust your budget. For instance, the iPad Mini 4 comes with a Touch ID fingerprint sensor that makes sure unauthorized users can’t access your device to steal your financial information.

2. Use a Budgeting App
Mobile budgeting apps help you plan and track your spending no matter where you are. One of today’s most popular budgeting apps is Mint. This app uses a secure connection to your bank to help you create a budget that is tailored to your spending habits. Mint’s interface gives you an at-a-glance overview of what you’re spending on different expense categories, what’s in your bank account, how much you owe on your credit cards and your credit score. Mint is available from the App Store, Google Play and Amazon.

3. Set up Automatic Bill Pay Reminders
Mint also offers a service called Mint Bills that lets you know about upcoming bills. Setting up this type of bill pay reminder system makes sure you don’t get behind on your monthly obligations.
Another popular app that provides automatic bill pay reminders is You Need a Budget. YNAB lets you create budget categories to plan how you’re going to spend the money you have available that month. You can then set up scheduled payment reminders that let you know when bills you have set for autopay are due. YNAB automatically deducts the corresponding amount from your budget so you can see how much you have left.
YNAB works on Android and Apple devices.

4. Schedule Automated Bill Payments

These apps work best in conjunction with automated bill payments. You can set up your bank account to schedule automatic payments at set intervals to designated payees, including credit card companies, utilities, medical providers and even family and friends.

To set up a payment, go into your bank account, enter data about the account you want to set up as a payee and schedule your payment. Your banking provider will then send money to pay your bill automatically, with the option of having an email notification sent to you. By combining automatic bill payments with budgeting apps, you can use your tablet to manage your budget from anywhere.

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Comments

  1. karenymorse@aol.com'karen says

    July 27, 2016 at 8:52 pm

    I have been guilty of a lot of these… but always paid on time. However, budgeting has now become a major priority and I do set up automatic payments. Really helps stay on track!
    Karen | GlamKaren.com

    Reply
  2. rosesahetapy@gmail.com'Rose Sahetapy says

    July 27, 2016 at 10:09 pm

    I always amaze on the evolution of modern technology. I normally do finance using the old way, but reading this post making me think to start to use budgeting Apps.

    Reply
  3. rayrayl81@yahoo.com'Rachel Langer says

    July 28, 2016 at 12:03 am

    I really need to do something like this. My checking account is NOT happy with me!

    Reply
  4. terristeffes1117@gmail.com'Terri Steffes says

    July 28, 2016 at 1:36 am

    I love your suggestions. I use my bank’s app and online services as I know how secure they are. They have a bill pay system that literally takes me 5 minutes to pay all my bills.

    Reply
  5. reesann723@yahoo.com'Reesa Lewandowski says

    July 28, 2016 at 1:37 am

    This is so helpful! I love how technology makes life so much easier to manage our money!

    Reply
  6. amandalove1976@outlook.com'Amanda Love says

    July 28, 2016 at 6:02 am

    These days it’s easier to turn your gadgets into budget tools. There are a lot of budgeting apps out there and it’s perfect for helping us save. Love these tips!

    Reply
  7. kianaturally@gmail.com'Kiana says

    July 28, 2016 at 7:20 am

    Such great tips! I’ve been wanting to get better about budgeting. I signed up for Mint but really need to do a better job of keeping up with it.

    Reply
  8. Megan.mccoig@hotmail.co.uk'Megan McCoig says

    July 28, 2016 at 8:09 am

    I’m definetely a sucker for technology so I’ve used a few of these tools before. But I think now after such good advice, I’ll start using it more!

    Reply
  9. eatmovemake@gmail.com'Liz Mays says

    July 28, 2016 at 9:04 pm

    This is really good advice. It would be great to make better use of my device. I haven’t tried any budgeting apps yet.

    Reply
  10. fhdhhdhe@gmail.com'Robin Rue (@massholemommy) says

    July 28, 2016 at 11:32 pm

    Thankfully I am married to an accountant, so he in on top of all the apps and stuff we use. Lucky for me 🙂

    Reply
  11. winifredjacblog@gmail.com'alexandria says

    July 29, 2016 at 1:17 am

    I have tried budgeting many, many times! We try to stay on top of everything, but saving a set amount every month can be challenging. something always comes up.

    Reply
  12. welcomingspirit@gmail.com'Paula says

    July 29, 2016 at 4:11 am

    We really like YNAB – it’s easy to use and I like that my husband and I can both enter info to a central place. It’s been helpful in pulling together a “real” budget. (as opposed to taking a wild guess)

    Reply
  13. mkatz2011@yahoo.com'Michele says

    July 29, 2016 at 3:09 pm

    Okay, this is going on my to-do list. Especially since my boyfriend is deploying soon, it’s going to all rely on me to make sure the bills get paid! This was helpful- thank you! Great post xx

    Reply
  14. calipertir@aol.com'Christina Aliperti says

    July 29, 2016 at 9:09 pm

    We have a tablet that we barely use. This is the perfect idea to use it and to keep track of our finances.

    Reply
  15. moneycanbuylipstick@gmail.com'Teresa says

    July 29, 2016 at 10:16 pm

    I am so glad I came across this post. I’m saving for my first home, so I’m currently on a budget. However, saying you’re on a budget and actually being on a budget are two different things. I’ll definitely be downloading Mint!

    Reply
  16. Newmommybliss@gmail.com'Shirley martinez says

    July 30, 2016 at 9:52 pm

    I Need to follow your great tips. Budgeting has always been my weakest point, but making money is my strongest haha

    Reply
  17. jessilee.mcmillan@gmail.com'Jessica says

    August 4, 2016 at 8:41 pm

    These are great tips. I struggle with using my tablet for budgeting and bill pay but these are wonderful tips. Thanks!

    Reply

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Sorry Kanye, but this is the greatest of all time. Sorry Kanye, but this is the greatest of all time. The Goat of all soups. And it’s easy to make too. 

🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
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3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
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1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

Instructions:

🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
🍁 Reduce heat to medium-low, cover and simmer until potatoes are almost fully tender, about 20 - 30 minutes. 
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For the full how to: check out Vegetable soup on the cookingclassy.com. 

#comfortfood #soupseason #soupdejour #souprecipes #nummanum #yummy #soupfordays #fallsoup #fallsoupseason #vegetablesoup #vegetablesoup #soupmaker #deliciousness #delicious #cookingclassy #comfortfoods #goatsoup🐐 #greatestofalltime #whatsfordinnertonight #whatsfordinnertomorrow #itswhatsfordinner
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#FuelTheirDrive #CassClay #Sponsored We’re geari #FuelTheirDrive #CassClay #Sponsored We’re gearing up for the final weeks of cross country AND the Fuel Their Drive competition. 

We've been loading up on protein, carbs and chocolate milk in our household!  For every Cass Clay milk you purchase, you can snap a photo of your receipt, upload it to http://www.fueltheirdrive.com/cassclay and have a chance to win up to $10k for your athletic department. Is your school on the leaderboard?  Check out the top schools for the area here:
https://fueltheirdrive.com/cassclay/en-us/Leaderboard

Again, quick recap on how you can help your high school athletic department:  Simply buy Cass Clay milk, snap a photo of your receipt and upload it to www.fueltheirdrive.com/cassclay and then vote for your favorite high school!  Help push your school to the top.  Find Cass Clay milk at a local retailer near you, including Walmart.

CASS CLAY WILL AWARD 16 GRANTS RANGING FROM $1K-$10K TO SCHOOL COMMUNITIES, INCLUDING NORTH DAKOTA! WIN-WIN! LET'S GOOO! 

No Purch. Nec. Ends 10/15/21. 16+, IA, IL, KS, MN, NE, ND, WI only, Rules: http://pl.fyi/zw2
My famous “mom” line is, “make sure you are My famous “mom” line is, “make sure you are drinking water!” Or “are you drinking water?” Or “do you need some more water?” Any sort of variation can come out of my mouth at any given time.  Ask my kids and they will confirm.  If there is one thing that I know is that staying hydrated is so important. 

Clean drinking water is even better! I introduce to you ZeroWater.  Only ZeroWater leaves 000 dissolved solids, for the purest tasting water. ZeroWater is the only filter certified by the NSF to reduce both Lead and Chromium. It also has a premium 5-stage filter versus the standard conventional 2-stage filter used by other brands.

I am teaming up with @zerowater000 to give away a zero water pitcher.  This pitcher comes with a water quality meter and premium 5-stage ion exchange filter!

The Ready-Pour technology allows you to dispense filtered water as the reservoir continues to filter. No need to wait until the pitcher is full to start enjoying.

Here’s the deal and the rules. 
*must “like” this post
*follow @mamasitaal 
*follow @zerowater000
*tag a friend to receive an extra entry (the more you tag, the more entries you get)

It’s that easy to enter. 
Good luck! 

This giveaway is not affiliated with Instagram. 
Winner will be announced on 10/15/2021 
#ZeroWater #LiveLifeAtZero #creatorco #onetreeplanted #creatorsplanttrees
Today’s good mood is sponsored by coffee. #nati Today’s good mood is sponsored by coffee.

#nationalcoffeeday should be every day and let me tell you, Starbucks cinnamon dolce is my fave.  I top mine off with whipped cream and a sprinkle of cinnamon. Perfection. 

Are you a coffee fan? If so, what is your favorite coffee brand? How do you like your coffee? How many cups do you drink per day? 

#coffee #coffeelover #coffeegram #coffeeaddict #coffeelife #coffeeholic #coffeedaily #coffeecoffeecoffee #coffeevibes #coffeebreak #coffeeislove #yumyum #cantleavewithoutit #cantleavehomewithoutit❤️
Crisp air. Pretty leaves. Sweaters and boots. Foot Crisp air. Pretty leaves. Sweaters and boots. Football. Coffee and pumpkins.  I love fall. 

#ourneighborhood #myneighborhood #fallseason #fallisintheair #fallismyfavorite #fallvibes #fallcolors #changeisgood #beautifulview #myviewrightnow #myviewisbetterthanyours #sunrise #gorgeousviews #autumn #autumnvibes
Sorry Kanye, but this is the greatest of all time. Sorry Kanye, but this is the greatest of all time. The Goat of all soups. And it’s easy to make too. 

🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
2 (14.5 oz) cans diced tomatoes (undrained)
3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
Salt and freshly ground black pepper
1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

Instructions:

🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
🍁 Reduce heat to medium-low, cover and simmer until potatoes are almost fully tender, about 20 - 30 minutes. 
🍁 Add corn and peas and cook 5 minutes longer. Serve warm.

For the full how to: check out Vegetable soup on the cookingclassy.com. 

#comfortfood #soupseason #soupdejour #souprecipes #nummanum #yummy #soupfordays #fallsoup #fallsoupseason #vegetablesoup #vegetablesoup #soupmaker #deliciousness #delicious #cookingclassy #comfortfoods #goatsoup🐐 #greatestofalltime #whatsfordinnertonight #whatsfordinnertomorrow #itswhatsfordinner
Tis’ the season to be fall-y. Be prepared for Tis’ the season to be fall-y. 

Be prepared for a slew of Autumn season posts.  Fall is my favorite. 

I love the colors. I love the decor. I love the fall fashion. I love the fall food.  I love it all! I had a few floral arrangements I had created by  different local small town florists.  Here are my faves.  Aren’t they gorgeous? And how cute is that little pumpkin? 

What’s your favorite season? 

#falldecor #fallfashion #fallcenterpiece #fallcenterpieces #fallstyle #falldecorations #fallready #fallharvest #fallisintheair #fallflowers #autumn #autumnvibes #autumndecor #autumnvibes🍁 #pumpkindecor
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