The Mint Budget App: A Savings-Focused Angel Over Your Shoulder

Many people want to budget their money better, but their philosophy is, "Don't give me a budget app, give me a shoulder angel to keep me from overspending." The fact is, it's easy to commit to a budget at home, and then forget about it in the heat of the moment when you're faced with what you perceive as a purchase too good to pass up. It happens to all of us. But there are ways to sidestep temptation and learn to have better day-to-day, real world money habits.

Step One Is Committing to a Sound Budget

The first step to better money management is committing to budgeting. Once you decide that your future is worth the occasional skipped indulgence and better discipline, you're at a crossroads. That's when it's a good time to learn about all your budgeting options and determine which one makes sense for you. You need a budget app that's easy to use, comprehensive, goal-oriented, and effective. Mint is the budget app that fulfills all those qualifications and more.

Sign Up for Mint and Create Your Custom Budget Easily

Signing up for Mint is a quick process, and you can have a basic budget set up in about 10 minutes that includes your bank account, credit card accounts, investment accounts, and other financial accounts. But Mint isn't designed for moving money around, so you don't have to worry about someone getting into Mint and shifting your funds. Mint is about making smart choices, and it has numerous ways to help you do so.

With Mint, not only can you set up a customized budget easily and quickly, you can set up bill reminders so you'll never miss a payment, add custom line items to your budget to suit your particular situation, and even set financial goals and let Mint help you reach them by keeping you on track. But what do you do when it's time to go out the door and into a real world that's teeming with temptation to spend?

Next step: Sign up for Mint and learn how to take your budget with you.

Carry Mint With You Wherever You Go

Mint has you covered on the go too. Free apps for iOS, Android, and Windows 8 phones let you carry your budget with you wherever you go. Mint understands that it's often the little day-to-day activities that can derail a budget, and by providing you with a great budget app that goes with you on your smartphone, Mint helps you make smarter everyday decisions. It's almost like having the metaphorical angel on your shoulder urging you to do the right thing when it comes to spending.

Never Make an Uninformed Purchase Again

Imagine you're out with friends, and someone decides it would be fun to visit a sporting goods shop or a particularly fun fashion chain. You know that you'll be tempted to buy, but when you've got Mint in your pocket, you can temper your excitement with a healthy dose of reality. Sure, that leather jacket looks great, and is on sale, but is it a smart purchase for you at this time?

With the Mint budget app on your smartphone, you can have a look at your credit card balance, your checking account balance, or even the bills you have coming up. Often this can be enough to keep you from making an ill-conceived impulse purchase and suffering from major buyer's regret later on. Will your friends call you a spoilsport? Perhaps, but when they're complaining about their maxed out credit cards while you're about to put a down payment on a house, you'll get over it quickly.

Take a look at the websites of several financial experts on the web. One common theme you'll see on all these websites is the wisdom of budgeting, whether you are in a low income bracket, or are a millionaire. The fact is, knowing how much you have coming in and where it needs to go is a sound financial principle that helps people from every background make the most of their hard-earned money. And with Mint you can set up a budget app on your PC and on your smartphone that you can keep with you at all times.

A great budget app is about more than just sending bills in on time. It's about reaching financial goals as efficiently as possible. And when your budget app goes everywhere you do, you'll have an easier time dealing with the many everyday temptations to stray from your budget. Wherever you go, Mint has your back, and can help you make the best choices with your money, so your money can work as hard for you as you do for it.

Next step: Sign up for Mint and learn how to take your budget with you.