Downloadable Tools to Manage your Finances.

According to a recent study by Gallup, only 30% percent of the population keep a regular budget. The study also showed that 10% of adult Americans do not have credit history. This represents 45 million people with no credit score. People without a decent credit score find it difficult to get financial services such as credit using the traditional methods. Starting a plan that will help better your credit score and help you keep track of your expenses is prudent for the following reasons.

A good plan helps you stay on top of your bills. Without a budget, you are likely to fall behind on your bills. No one likes falling behind on their bills but it easily happens. Falling on behind on paying your bills will result in a negative hit on your credit score. Late payment of bills will also result in high penalties in addition to the effect on your credit score. However, you do not need to fret if you are the kind of person that forgets their bills. The downloadable prism app will help you remember to pay all your bills on time. All that is required is for you to download the app to your phone and then link it with the account that you use to pay the bills. You will then be reminded when a bill is available or due. What’s more, the app is totally free.

Downloadable tools are also helpful to those people that have troubles budgeting. It’s not uncommon for people to be unsure of where their money goes. If you are one of these people who need a better understanding of how much their lifestyle is costing them, the ‘You Need A Budget’ app will be of great help to you. You need a budget is a downloadable app from financial solutions that helps you keep track of your finances. This app and software helps you identify the areas that you are overspending on and also helps you track other expenses such as rent, gas and water bills.

To get a loan from an online lender like Bonsai finance, you will need to have downloadable financial tools on your phone or computer. Accessing Credit cards and personal loans is made possible by Bonsai finance even if your credit score is not perfect. Its easy to get an online loan from Bonsai finance since they do not require a credit check. Bonsai Finance uses a software that is easy to use. The FAQ section of the Bonsai Finance app is very helpful to those visiting for the first time. Using the downloadable app from Bonsai app you can easily get an online loan.