HEARTLAND INVESTMENT COMPANIES
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Darin Garman: Heartland’s Most Trusted Multi-Family Investment Advisor 2505 Silver Oak Trail Marion, IA 52302 DarinGarman.com 319-350-5378
INSIDE Page 1 Darin’s Word of the Year
Page 2 Don’t Invest in Penalty Kicks!
Page 3 A Heartwarming Iowa Baseball Story
Apartment Sales and Success
Page 4 5 Apps to Track Your Spending
Setting and Maintaining Budgets in 2023
THE 5 BEST APPS TO TRACK YOUR SPENDING
Lots of people make New Year’s resolutions, and one of the most common themes is improving their personal finances. Whether they set out to better manage their debt, invest more in savings, or budget their spending better, a quick and easy- to-use app on their phone can make that goal much more attainable. Here are five of the best tools to track your spending: MINT CNBC rated this gem of an app the best free budgeting app! Along with extensive budgeting features that sync your checking accounts, savings accounts, loans, credit cards, investments, and bills, Mint can track your expenses and categorize them for budgeting. You can even set limits for each personalized category. The app is helpful for paying down debt, checking your credit score, and saving money. YNAB Instead of tracking past transactions, YNAB is one step ahead and follows a “zero-based budgeting
system,” which helps you plan for each dollar earned. When you’re paid, the app assists you in mapping out how much of the income you can spend in each category you
sync up bank accounts, investments, and loans and organize expenses into custom categories with personalized limits for each. The best part
is that despite being made for partners, privacy can be toggled to each user’s specifications. FUDGET If you’d rather not sync up all of your financial accounts, Fudget may be right for you. The app is straightforward, with lists
set, helping you become more intentional with your spending habits. PERSONAL CAPITAL Used mainly for investments, you can also get some budgeting assistance with this app! Checking accounts, savings accounts, credit
cards, 401(k)s, loans, and mortgages can all be tracked and monitored on Personal Capital. The app even offers a net worth and portfolio tracker to help you get more out of your money. HONEYDUE Honeydue is an excellent app for couples because it allows each partner to see and track their finances, either separately or jointly. It can
of incoming and outgoing money and a balance tracker. There aren’t any budgeting categories or graphs to interpret — it’s finance at its simplest. No matter what financial goals you strive to achieve this year, an app is an easy and accessible way to get you on the golden road in 2023!
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