Downloadable Tools to Manage your Finances.
Only 30% of people set a regular budget, according to a study done by Gallup recently. In addition, about 10% of adult Americans have no credit history. This represents 45 million people with no credit score. Without a credit score, it gets very hard for people to access conventional financial services such as loans. 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. 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. Late payment of your bills have the effect of lowering 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. You can be reminded to pay your bills on time by the downloadable Prism app. You just need to download the app on your phone and enter the various bill amounts and link them to the account you use to pay. The app will remind you when the bill is due or available. What’s more, the app is totally free.
You will also find the downloadable financial tools very helpful if you have problems budgeting. Most people are 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. Even without a perfect credit score, Bonsai finance will help you access personal loans and credit cards. Bonsai Finance does not require a credit check, making it easier for those without a good credit score to access credit. Bonsai Finance has an app 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.