Downloadable Tools to Manage your Finances.

Only 30% of people set a regular budget, according to a study done by Gallup recently. 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. The following reasons make it important for you to start on a plan that will help you keep track of your spending and help improve your credit score.

Keeping up with your bills is one of the reasons. People that do not set and maintain a budget are likely to fall behind on their bills. Falling behind on your bills is a mistake that regularly happens even though nobody likes it. If you fall behind on paying your bills, your credit score will be adversely affected. In addition to the hit on your credit score, late payments attract high fees for late payment. However, you do not need to fret if you are the kind of person that forgets their bills. There is the downloadable Prism app that 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 makes it even better is that the app is free.

People that have problems setting and sticking to a budget will find the downloadable financial tools very helpful. 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. This downloadable financial solutions app helps you track your finances better. The app and software keeps track of your spending on groceries, rent, water and gas bills and also helps you know where you are overspending.

To get a loan from an online lender like Bonsai finance, you will need to have downloadable financial tools on your phone or computer. Bonsai Finance will help you access loans and credit cards even if your credit history is less than ideal for a personal loan. A credit check is not required when applying for a loan from Bonsai Finance, making it easy for those with a bad credit score. Bonsai Finance uses a software that is easy to use. First time applicants, the FAQ section on the Bonsai Finance app will be of great help. Using the downloadable app from Bonsai app you can easily get an online loan.