Top 6 Free Finance Management Apps

Managing finance has become simpler these days with the innumerable apps that are available in the app store. Here are few of the best and free finance management apps.

Mint – This is one great app for finance management developed by Intuit. It enables you to see all your finance accounts in one place, including checking, savings, and credit cards. The app automatically categorizes credit card and bank transactions. There are charts and graphs, which show you pictorially where you are spending your money. You can set financial goals like setting up limits for trip, saving to buy car, paying off debt amount, etc. Moreover, you can get expert advice with a touch on the screen. This app is a great one from Intuit.

BillGuard – This is yet another app to track your money, budget, and bills. The app lets you track all your accounts at one place. It also prevents your card from fraud and unwanted charges. The app has smart saving alerts, which search the web for applicable coupons based on the user’s spending patterns. There are also personalized savings alerts, which let you save your money. It gives you real time updates for unwanted charges incurred on your account. The app is guarded by security at the bank level, making sure that your information remains safe.

Expensify – This app makes you capture receipts, track time or mileage efficiently. Moreover, it allows you to monitor your business travel and create expense reports in a very easy manner. Expensify is a great app for sales people, travelers, and also other corporates. It has a smart-scan technology, which reads receipt and expenses and hence the need for a manual entry is not needed. The app is a must-have for people mentioned above.

Check – Check is an award winning mobile app, which is being used by many users. The app lets you manage and pay your bills on time so that you don’t stress out in paying them every month. It also manages all your bank accounts, credit cards, etc., enabling you to focus more on other work. It has a triple layer security system, which makes sure that your data is very safe.

Personal Capital – This is yet again another award-winning finance app, which enables you to monitor your finances and also prepare easy-to-read charts and graphs. The graphics enable you to understand what is happening with your money in an easy manner. The app is available on mobile and also wearable Android devices. This is a one off tool, which is self-sufficient.

Pocket Expenses – This is another personal finance managing app like others available in the market. However, its features set it apart from others in the league. The app allows you to have unlimited accounts and transactions. It lets you perform transactions by setting custom filters and also attaching photo receipts to transactions. It allows you to customize the UI to suit your taste.

If you really want to unload your personal finance management burden, then these apps are absolutely made for you. They are feature rich and consolidate all your finances at one place in an efficient manner. Once you start using these apps, you can’t get away from them.

5 Resourceful Tips That Can Make Catering Business a Successful One!

The catering business is a whole new world altogether, which demands a combination of great knowledge about food and people’s skills along with marketing sense to succeed. Success doesn’t depend on any sort of magic recipe – it takes hard work, honesty, humility and also the ability to evaluate one-self. And, if in case you fail to view your catering business objective, then you will also fail to understand the areas, which need improvement too. So, here are 5 secrets to ensuring success of your catering business.

Try and Be Humble

The first thing that every person in business should admit is that you always don’t know everything. This is the major secret for any sort of business and also the hardest obstacle to overcome for some people in any line of business. And, the sooner you admit this, sooner you will see skilled people around you as strength and in return your business will benefit.

Be Specific

Be very specific about your needs, while you hire your staff. Never forget that every person you hire is somehow going to represent your company in the outside market. And, if that person fails, you can be sure that your business is going to suffer too. It might be a little pricey to hire qualified people and competent professionals but in the longer run, it will totally be worth it. Make sure that you hire capable and intelligent people who might add strengths to your company by letting it grow bigger.

Act Professional

There are many points that can be included here. However, the major criterion of building good reputation is to do things exactly the way you promised your clients. Also make sure to be early with your work as there is nothing more painful than worrying about the arrival of the caterer. Also, never be too greedy and book several events at the same time that all the things fall out of places. This will not just disturb your business but it will also drive you insane with the increasing stress.

Network Is Crucial

Most of the people in the catering business and restaurants are good and at some point in your life, you will be working with them. Hence, it is important to build good relationships with them and this can be done by scheduling few networking sessions so that everyone in this business line gets to know each other. They might be your competitors but what you must not forget is that they are your peers too.

Web Presence Is Highly Needed

Today’s world is quite a mobile place and most people look for providers through internet as it is considered the most convenient place to look for things you need. And if your name doesn’t fall in the circle, then it is surely not going to be chosen over others. If you want a catering business, which is ranked high then find a provider who will do the work for you and also provide the quality content you want.

If you are looking for good French restaurants that are great in catering business, you can consider Le Bouchon restaurant Sherbrooke.

15 Low Cost Business Ideas

If you have the entrepreneurial spirit in you, there is no looking back. Despite all of the high-tech start-ups or big ventures that need huge funding, there are still plenty of small business options out there. These businesses neither require you to know the difference between CSS and QR codes nor do they need huge investments. All you need is a passion for doing something worthwhile and you are good to go.

Let’s have a look at 15 low cost business ideas.

#1 Graphic Designer: If you like working on your own and are a creative soul then freelance graphic design can be a great way to make a living for you. With e-commerce on an upswing, demand for graphic designers is on a rise.

#2 Coders: If you are the kind of person who has all the patience in the world to be meticulous and is detail-oriented then this is the career for you. It is a niche skillset, which has high demand.

#3 Online Retail Consigners: This is an interesting thing to do. Often we get bored with our clothes or there are other unused things like toys, accessories, books etc. Online consignment offers you a great opportunity to make money, selling them through a completely virtual process instead of trashing them.

#4 Instagram Consultants: Online marketing is the new traditional marketing now and many businesses are using Instagram to promote their products and services. If you have a flair for such thing, some basic marketing knowledge and a smartphone with a good digital camera, this is the right field for you.

#5 Writers: A good command over the language, focused, organised and able to go with the flow is a recipe for a good writer. All you need besides your motivation is a bit of networking to get projects. If you already have a good command over the language, just look out for some content writing tips from the professionals

#6 Landscape Photographers: If you love photography and have access to high-quality digital camera, opportunities are enormous for you. You can click for websites, you can sell your prints to whosoever is interested and also if you want you can start classes for other aspiring photographers.

#7 Business and Life Counsellor: If you have great listening skills, calm demeanour and empathise with people, then you can be a business and life counsellor. If you think you have that ability to internalise events, closely listen to others and make them feel great, then this is an apt low cost business for you.

#8 Online Blogger: Another lucrative low-cost business opportunity for people who love writing, editing, copywriting and marketing! All you need to do is create content that keeps readers engaged and meet your client’s goal.

#9 College Application Advisors: In this era, when children fill numerous forms to get a good college, being a college application advisor is a good option. Helping students explore educational options, having a list of colleges, their admission pre-requisites, helping them narrow down their options and finally helping them to get through the application process is what you need to do.

#10 Online Tutors: People have been giving classes since long, but creating your own online tutoring business is a great way where you can earn sitting at home. You have the option of working flexible hours. Follow this link for a guide to start online tutoring.

#11 Dog Walking Service: In cities, people love to have dogs, but normally they are hard pressed for time. If you love hanging out with dogs, you can offer your services as a dog walker. As it is a localised service, you need to put some flyers initially and later it will work by word of mouth.

#12 Video Conference and Board Room Facilities: What if you have space, a bit of capital and expertise? You can convert your space into board room or video conference facility. There are many SMEs that need this facility, but making one of their own is not feasible for them. You can earn substantially by hiring your facility to such enterprises.

#13 Dietary Consultancy Services: People are generally worried about what they should eat and are always ready to spend bucks if someone can guide them on it. If you are healthy yourself and have a fair knowledge about eating habits and diet charts then you can plan to start dietary consultancy service.

#14 Babysitting: With the continuous rise in the population of working women, a business of baby-keeping in any big city is bound to flourish.

#15 Home Cooked Meals: If you love cooking, you can prepare meals for clients and get them delivered. They will be happy to get home cooked meals.

There is no dearth of ideas. All you need is the zeal to be an entrepreneur and you will definitely get something that suits your calibre. Even if you start small and do it with passion, you will always find means and ways to make it big.