Earlier I mentioned how smart phones can help you in managing your personal finances. Today we’re going to talk about the different apps that will help you save money if you’re using a smart phone.
Now, some of these apps are currently installed on my iPhone, while the others are contributed by SMB, my friends and colleagues.
In one of my earlier posts, I mentioned how did I get my video camera for free. But I put in some effort to grab that, in this post I will explain you how to easily get freebie online.
This post is not to get freebies at brick and mortar shops. that topic still need research and the write-up is not ready yet.
Remember, you can not get a very valuable freebie without effort, unless you are as lucky as the lottery owners. I know people take advantage of typos in website product listing and get things worth $400 in $4, once advertised, companies are obligated to sell at that price.
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I have heard about this ‘exciting’ new site called ‘Credit Sesame‘, which gives away credit scores for free, every body talks about them. It seems every one is writing a review for it. Has it become a status symbol to write reviews for every credit products in the market? Saying that let me jump in to band wagon and let’s write a review for them, be it my status symbol too 
I would start by disclosing that neither did I interview any one in credit sesame, nor have I any interest in their business or income. I am a registered user using credit sesame for some time. I liked it so much that in past 30 days I logged on twice, once just after registering, and then again a while ago just before starting with this post. I am not at all being paid by Credit Sesame for writing this review down. And, I don’t think they will pay me a cent after reading what I am going to write.
I am always interested to know latest credit score. After hearing about Sesame, checking it out was one of the pending tasks for me. Once started the registration process, within few clicks, which included a reluctant typing off of my SSN, identifying the street I used to live 5 years back and the car model I drive now, I got to see the number I was interested to see.
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Most of us live our lives paycheck to paycheck. What we earn is what we spend. When our income drops we feel pressure, when our perception on consumerism changes, we go for more spending. And when spending becomes more than income it becomes a bad disease, called debt.
It is important that you should stop living on borrowed money, but it is a reactive decision, a more proactive decision would be to budget your yearly spending right at the beginning of the year. That will tell you how much you need to spend to not to rely on borrowed money. A budget will tell you whether you are going to be infected by indebtedness with a negative cash-flow or you are going to stay financially healthy with positive cash flow.
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A budget would take you to the path of the most basic personal finance fundamentals, earning more and spending less. You need to stick to your spending limit, it is all you need to do from there on once your budget is done.
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