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David S. Chang

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5 Personal Finance Apps that Make Saving Easier

5 Personal Finance Apps that Make Saving Easier

Budgeting and saving money can seem like a daunting task for many individuals. Thanks to smartphones, budgeting has gotten a lot easier. It can even be a fun way to challenge yourself to save money and cut out any unnecessary expenses. Read on for some personal finance apps that will make saving money a little less intimidating.


Created by the team that developed TurboTax and Quicken, this budgeting app is personalized just for you. By connecting your bank account, Mint helps you create a budget, notifies you if there are any suspicious charges, and gives suggestions on how you can reduce the cost of monthly bills and fees. You can also link personal and student loans, auto loans, credit cards, and other financial data. It also shows you your credit score, so you are aware of the overall position of your finances.  

Good Budget

If you are someone that likes to budget via the envelope system, this is the app for you. Much like the envelope system, you place a given amount of money into each of your expenses. Good Budget will let you know where your money is going and how much you have left in the envelope. This app is also great for couples, as the app allows you and your spouse to link your accounts so you can stay on top of your budget and see who is spending money where.

You Need A Budget

Also known as YNAB, this app helps you save money easily. You create a budget using last month’s income, and the app will monitor any infrequent expenses, help prevent you from overspending, and get the most out of your money. This app also provides insight on debt management and teaches you how to pay down your debt adequately.


Like many other budgeting apps, you can link to your bank account to monitor your spending. Unlike other apps though, Digit will review your checking and savings account, study your spending habits and income history, and then predict your cash flow. By doing this, Digit will search for ways to help you save money daily. It will also put aside money that you don’t necessarily need or spend on daily expenses and put into your savings account.

Prosper Daily

This app is excellent for reviewing multiple accounts at once and viewing your credit score. It also features the ability to see where you are spending the most money via spending analytics to allow you to better plan your budget. It’s also beneficial for identifying suspicious or unauthorized charges – it has already determined $75 billion worth of fraudulent charges.

David's wealth management firm

WealthBridge Inc.

WealthBridge Inc. Twitter


About David

David S. Chang is an entrepreneur, wealth manager, keynote speaker, consultant and Chairman/CEO of Chang Holding Company. David is also the editor of The Art of Thinking Smart, a blog and finance column in The Star-Advertiser’s weekly Midweek with a readership of over 400,000 people. He is also proud to serve as an Intelligence Officer in the Hawaii Army National Guard.

A longtime expert in finance, David uses his executive roles in various companies under Chang Holding Company in order to help people achieve their personal financial and business goals throughout all phases of their lives:


WealthBridge Inc.

A wealth management firm (which has become ranked as one of the top in the nation and featured in Forbes)


WealthBridge Private Equity

A private equity and venture capital fund


Care for Life

A private-duty home and senior care company

Other companies under Chang Holding include GreenTech Pacific LLC and Pacific West Import/Export Hawaii.

David S. Chang is the founder of The Art of Thinking SMART, The Art of SMART Money, and The Art of SMART Stocks. He created the Simple 4-Step System to Wealth and Financial Freedom. Supported by over a decade of research and driven by David’s desire to help others excel in all areas of their lives, this step-by-step online training program enables people to take control of their wealth immediately.

Everyone should have a financial plan, regardless of age, income or net worth.

David S. Chang

David has always loved to learn and seek out opportunities to achieve the American Dream– so it comes as no surprise that he has taken numerous continuing education courses in finance, investments, and insurance. He also completed the Chartered Financial Consultant® (ChFC®) program at The American College.

In 2015 David was chosen as a member of InvestmentNews’ 2015 40 Under 40 list of top young advisers and associated professionals in the financial planning industry. He has been featured in Forbes as one of America’s Select Financial Leaders. In 2013, David S. Chang was selected as 40 Under 40 Military by, 2011 Pacific Edge Young Professional of the Year, 2010 Business Leader of the Year from the Pacific Business News Forty Under 40 and 2011 finalist for The Business Leadership American Savings Bank Business Leader of the Year.

In addition, WealthBridge Inc. was selected as a FIVE-STAR Wealth Manager for the State of Hawaii in 2014 through 2011, representing the top 2% of Wealth Managers statewide. In 2014 through 2012 WealthBridge Inc. was also selected by The National Association of Board Certified Advisory Practices (NABCAP) as a Premier Adviser.