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Financial Literacy

11 money saving apps you need to download now



Saving Money

Saving money is a struggle for most people. With a steady flow of monthly income, it is easy to spend with reckless abandon (especially in the first week of your salary payment). By the second week when you are no longer in that salary bubble, you chastise yourself for not saving. Then, you remember that the major difference between those who retire wealthy and those who retire poor is how well they were able to manage their finances during their earning years.

In a bid to help you better manage your money through savings and proper budgeting of all monthly expenses, we researched some of the apps that could help you do just that.

1: Money Dashboard

Money Dashboard helps you to keep tabs on your monthly budget. As its name implies, it is a dashboard for your money which categorises all of your expenses and lets you see them all at a glance. By so doing, you can see what you are spending on most, and where you need to cut back on expenses. To use the app, you will have to download it for free either from or from the iOS store.

2: Mvelopes

To be financially free, you do not necessarily need to have all the money in the world. What you need, however, is the ability to properly manage the little (or big) money that you have. This is the vision behind Mvelopes, which enables users to set up their monthly financial plans based on their levels of income. This app is free, and you can get it on the iOS store, Google Play, or

 3: Good Budget

Good Budget is an app which helps you to plan out your monthly expenses. With this app, you “will never be caught off-guard by a bill or sudden expense.” This is because as you receive your salary, you can set aside how much you need to run your expenses for the month. It also helps you spend money only on what is important to you instead of frivolities.

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The app is particularly good for married couples who both work and contribute to the monthly upkeep of their homes. This is because you and your spouse can sync your accounts so that you can both follow the monthly budget you have set for your home. In other words, it helps both of you know who is spending money when, how and on what.

Get the app on, iOS store and Google Play.

4: Mint

The Mint app will help you budget your monthly expenses based on your financial data, and also periodically avail you of the opportunity to see your financial score in order to keep abreast with your financial status at all times. The app will also use its investment tracking feature to compare your portfolio with market benchmarks and track your asset allocations across various platforms.

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It is indeed a money manager which you can trust and use with ease. To read more about the app or get it for free, visit the Mint store at or get it on the iOS store.

A picture showing the Mint App.

5: Unsplurge

Sometimes, it happens that you really need to purchase a product but your budget cannot accommodate the extra expense. The Unsplurge App provides a solution to that by making it possible for you to save and look forward to buying the item you want. As its name may suggest, the app helps you save so that your delayed gratification can be met later. You can get the app on the iOS store.

6: Level Money

You can all agree with the fact that while it is one thing to have a monthly financial budget, it is another thing to actually follow through and be faithful to it. One reason why most people fail to stick to their budgets is that they forget. This is probably your story too. But do worry, because Level Money is here to the rescue.

The Level Money app will remind you when you are spending more than you budgeted. Look at it like an alarm that reminds you that you are oversleeping. Not only does the app help you plan your budget, it also helps you to stick to it. It works in such a way that you link the app to your bank account and let it detect your financial capacity, analyse how much you can afford to spend in a month and then stick to it.  Get the app for free on both the iOS store and Google Play Store.

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7: Wally

Wally is a virtual budget journal with which you can manually log your expenses and store pictures of your receipts. The app can also store details about points of purchases just in case you later need such details for whatever reason. And just like Level Money, the app will remind you when you exceed your set budget.

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It is free of charge and can be gotten from both the iOS store and Google Play Store.

8: Pennies

Pennies could be the easiest-to-use budgeting/saving app out there. The app tracks your payday and updates your budget as soon as your salary is paid. It can also avail you the opportunity to transfer money when you need it between budgets.

Pennies is blunt, in that it can tell you exactly how your spending habits today can affect your financial standing tomorrow. So it is probably what you need to keep you in check just in case you are one of those who struggle to stick to your financial goals.

You can get the app on iOS store and Google Play Store.

9: Qapital

While Pennies is blunt, Qapital can be said to be a strict budgeting app which “charges” your guilty pleasures and returns the money you do not need in your budget back to your savings. The app can also help you identify the triggers as per expenses, and help you avoid them.

You can get the app today on the iOS and Google Play Stores.

10: Truebill

Just in case you are one of those who have too much money and don’t know what else to do with it other than subscribe to different services you barely use, Truebill will help you unsubscribe from such services. The app is like the budget police, tracking and cancelling all paid subscriptions that are wasting away. If you need it, get it now on the iOS and Google Play Stores.

11: Reach

Like most of the apps above, the Reach app helps give you a breakdown of where your money is going by-

  • Automatically tracking your income and expenses
  • Managing your cash transactions by recategorising your ATM withdrawals
  • Sending you daily reminders about your budget so that you can keep following it through, and
  •  Sorting out how much you can spend without jeopardising your financial future.

You can download the app for free from Google Play Store.


In conclusion, managing money is on its own, a difficult task. When you combine that with the many “commercial temptations” that come in the form of digital ads sliding through your screen daily, it becomes really difficult not to overspend. This is why you need to get one of the above-mentioned apps and let it be your financial guide.

Emmanuel is a professional writer and business journalist, with interests covering Banking & Finance, Mergers and Acquisitions, Corporate Profiles, Brand Communication, Fintech, and MSMEs. He initially joined Nairametrics as an all-round Business Analyst, but later began focusing on and covering the financial services sector. He has also held various leadership roles, including Senior Editor, QAQC Lead, and Deputy Managing Editor. Emmanuel holds an M.Sc in International Relations from the University of Ibadan, graduating with Distinction. He also graduated with a Second Class Honours (Upper Division) from the Department of Philosophy & Logic, University of Ibadan. If you have a scoop for him, you may contact him via his email- [email protected] You may also contact him through various social media platforms, preferably LinkedIn and Twitter.



  1. Toju Daniels

    March 27, 2018 at 10:16 am

    Please customise your articles for your largest audience (users of Naira). Some of these apps are not available for download or cannot be optimally used in Nigeria.

    • Mine

      June 14, 2018 at 9:08 pm

      Are this apps available to download in Nigeria. You’re writing an article for Nigerian audience and giving us apps not available to this region 🙄

  2. Nice article Bt most of the apps are not available on iOS Nigerian store…pls recomed a local app I can download…thanks

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Personal Finance

How to climb the Wealth Pyramid with speed

To climb the wealth pyramid and join the top 20%, these are thus the three things you must do.



How to climb the Wealth Pyramid with speed

There is a ″Wealth Pyramid″ in every society and in almost every country that distributes wealth using the metric: 1%, 4%, 15%, 60%, 20%.

For many decades, this wealth pyramid has refused to change. It has remained the same despite the numerous New Year resolutions, wealth empowerment programs, technological advancements, and all the governmental wealth redistribution programs.

Today, 60% of any given population barely gets by. They have a myriad of financial problems. 20% are broke, and find it hard to meet basic needs. 15% have their personal and family needs covered and can afford to save and invest. 4% are prosperous and can afford to live in luxury, while the last 1% are super-wealthy and can afford anything money can buy.

READ: 10 barriers to successful entrepreneurship for women in Nigeria

So why are there only a few people at the top of the wealth pyramid?

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The answer is simple and there are two reasons for this.

The first reason is that people are trying to climb the wealth pyramid all by themselves. Doing it alone is the longest, most painful, and laborious way to climb.

The second reason is that people are becoming rich and becoming poor almost at the same time. Long-lasting wealth is now a thing of the past. While wealth has increased over the past decade, a lot of it has been lost due to the lack of discipline, skills, and character to preserve wealth.

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READ: Here are 7 ways to plan for the unexpected in your small business

To climb the wealth pyramid and join the top 20% there are thus three things you must do.

The first thing you must do is understand that the odds are against you. The second thing you must do is have a plan to improve the odds. And third, you must do is create a system that channels some of the wealth to you. Below I explain these three points in detail.

READ: How to build solid financial success system and achieve financial freedom quickly

1. The Odds are against You

If you are a working-class professional and among the bottom 80%, the odds are stacked up against you. This is because you gain your wealth from a system. That places a limit on your income. The No 1 rule for climbing to the top of the pyramid is to never have a limit on your income. When you depend on one source of income that is limited. You limit your chances of ascending to the top. You also put yourself in one of the worst categories of people in the world.

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There are three categories of people in the world. The first category is those with the least likelihood of success. The second category is those most likely to succeed. And the third category is those most likely to gain Power.

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READ: FG clamps down on filling stations, others for faulty measuring and weighing equipment

  • Those with the Least Likelihood of Success

The majority of employees fall under this category and employees are those with the least likelihood for success. According to research, over 95% of them will end up in retirement a burden to their loved ones. And there are only a few wealthy employees in the world. This is because employees fetch from a wealth system that trade-off maximum income for a secure monthly stipend. There are like the proverbial man who goes to the ocean with a teaspoon. Although there is an enormous amount of wealth that can be earned from their employers. They are limited by the security option they choose. Climbing to the top on the back of a limited income is almost impossible.

READ: Many Billionaires became richer by 27% during the COVID-19 pandemic – Swiss Bank UBS

  • Those Most Likely To Succeed

Employers and Business owners fall under this category. They are the ones most likely to succeed. Business Owners are the wealthiest people in the world and they are the ones with the capacity to climb to the top. Yet not all businesses are created the same. Certain businesses have a higher likelihood of success than others. There are two categories of businesses. The First category is wealthy businesses. Those with huge assets, employees, and cash reserves. The second category is struggling businesses. Those with irregular and sporadic income. These are called SMEs. Successful businesses have a higher chance of success than SMEs. According to Research over 75% of SMEs fail after the first 10 years. They fail because, small business owners enter the business world without the right skills, knowledge, and mentorship. They try to climb the wealth pyramid on their own and destroy their limited resources in the process. No one ever climbs the wealth pyramid all by themselves. Everyone was helped to get up there. So if you want to move from SME to a successful business you must get the help you need to thrive.

READ: Dangote to empower Nigerian women with N1.1 billion 

  • Those Most Likely To Gain Power 

The people with the highest chance of gaining power are politicians and government officials. There have the power to create and annul laws. But despite their enormous power they and deficient in wealth. Power without wealth is still a disadvantage so to make up for this. The government and politicians occasionally collaborate with successful business owners. Who are custodians of wealth to gain a certain wealth advantage. In exchange, they give the business owners some leg in the power play. The Government unlike employees and SMEs use what they have which is Power to get what they need. They use their power advantage to draws some of the wealth of successful business owners. Employees and small business owners must learn to do the same.

READ: Access Banking solutions designed to move your business forward

So now that you know your odds and how difficult it is to climb the wealth pyramid, how then do you climb the wealth pyramid with speed?

To climb the wealth pyramid with speed you need a system that increases your odds. And the only system that works well is to use the advantage you have to get the advantage you need.


But how exactly do you do this?

The fastest way to achieve this is to master the art of solving important problems for wealthy people.

Explore Data on the Nairametrics Research Website

2. Solving Problems for Wealthy People

The fastest way to climb to the top is to solve problems for those already at the top. And there are a few problems that are important to them. The first problem is how to increase their wealth and remain at the top. And the second problem is how to protect and preserve their wealth from dying. Anyone that can solve these problems ends up with a share of the wealth.

Now you may be saying to yourself, why would I want to help those who already have plenty of money?

READ: How to transfer your Retirement Savings Account (RSA)

The answer is simple.

The only way to grow rich is to solve problems for many people. And who best to solve a problem for than the person with the most capacity to pay you.

If you solve problems for poor people especially before you become wealthy. You get a lot of prayers, kisses, and thank you but no money. Worse of all is that you postpone your own financial success and become financially drained yourself. The best time to help poor people is when you are already Rich yourself. This is the only time you can truly help them.

READ: FG says it will look at other options if ASUU continues with strike

So helping wealthy people solve their income problems is the fastest way to get to the top. See it as a fair trade-off. You are helping them only because it can help you get to the top. And when you offer this kind of help make sure to offer it the right way.

There are two ways to offer help to wealthy people. The first way is to become their worker or subordinate and collect monthly or hourly wages. This is the path to limited income. The second way is to become a peer, independent helper, or advisor and get paid strictly on a performance basis. This is the path to maximum income.

All businesses are based on Performance-based income. So when you trust yourself enough to accept payment based on measurable results you gain the respect of wealthy people and become elevated to more wealth.

Workers and subordinates are treated with less respect. They earn poor income because of the guarantee that comes with their income. While you may still be a worker today you want to find opportunities to leverage on performance-based income. To do this successfully you have to elevate your capacity to the level where you are comfortable with earning based on results. It is the fastest way to get to the top.

So now that you know what to do to increase your odds and earn more income how exactly do you channel some of the wealth to yourself?

There are two ways to channel more wealth to yourself.

The first way is to create wealth from scratch. This is the hardest and longest way. You are creating money from thin air usually all by yourself.

The second way is the Channel some existing wealth to yourself. Here the money already exists all you need to do is give the owner of wealth what they want by solving a problem for them and get what you want in return. This is the fastest way. To do this you need a wealth connection system.

3. The Wealth Connection System

The wealth connection system function like any other connection system in the world. Let’s use a water connection system as an example.

Imagine for a moment that you need water in your house and the only place to get water is in your neighbor’s house.

What is the fastest way to get some water into your own house?

You can build rapport with your neighbor and increase your chances of getting water or You can hate, condemn, and despise your neighbor for having water, and ends up starving.

If you succeed in building rapport with your neighbour there are two choices to make.

The first is to negotiate a Bucket system where you come every day to your neighbour’s house to fetch water. This is time-consuming, back-breaking, and demeaning to mention the least. Worse off is that you can never truly build your own water reserves. So you will continually depend on your neighbor for water. This seems to be the case with most employees.

The second thing you can do is to negotiate a Pipe connection system that channels water directly into your house. This is a smarter move and the fastest way to build your own water reserves. This is the way of performance-based income.

Hating, condemning, or despising those at the top will not make you wealthy. All you need is a connection system that gives you access to their wealth.

The problem is this system rarely exists and when there do only a few people have access to them. To solve this problem we have created our own wealth connection system. Our goal with this system is to help you connect to the wealth of the wealthy and increase your chances of achieving financial success. With this system, we will be creating a new Tribe of working-class professionals called “The Wealthy Middle-Class”. Although the wealthy middle class is people with the least likelihood of success we are helping them break the odds and achieve financial success.

If you want to know more about how you can join the Wealthy Middle-Class, what to do to get to the top of the wealth pyramid and how you can create your own wealth connection system and draw from the wealth of the wealthy send an email to [email protected]

The entire world is a giant Pyramid system. There is an unequal distribution of wealth and advantages. Presidents are more powerful than citizens. Employers are wealthier than employees. Religious leaders have more influence than their congregation. And men have more advantage as leaders of their homes than women and children.

Everything in life is arranged in a pyramid system from top to bottom.

And you have three choices:

  • Fight the pyramid system and wear yourself out.
  • Use a Bucket system and become perpetually dependent.


  • Create your own wealth Connection system and become massively wealthy.

Our goal is to increase your chance of climbing to the top. Your role is to seize the opportunity.

About author

Grace Agada is The Senior Financial Happiness Director @ Create Solid Wealth. She is an Author, and Column Contributor in Six National Newspaper. She is a contributor at BellaNaija, Nairametrics and Proshare and she is on a mission to help working-class professionals and CEOs become more financially successful. To learn more about Grace and how she can help you send an email to [email protected]

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Personal Finance

The best free budgeting tools to help you manage your finance

In this list, we compile the most effective, free online budget tools you can find in any region with a good internet connection.



Money apps for professionals

The whole point of budgeting is to manage your resources and increase savings. Paying through your nose for a course, device, or material to help you properly budget your resources, makes the whole process a bit of a joke.

Also, you do not want to use a budget tool that gives absurd reports and sends you into waves of anxiety. Budgeting requires that you have a clear head; anxiety doesn’t allow that. According to Leslie Wayne, the primary and only principle of budgeting is, “do not go over budget”. Paying huge sums for a budgeting tool already flouts this rule.

Some of the most affordable forms of budgeting are the most traditional methods, the earliest forms. Using a Paper and Pen to make your scale of preference and plan your expenses solely on significance or relevance. The only shortcoming of this method is that you could lose your pen or notepad. The other method is “The Envelope Method”. Using several envelopes, you allocate your financial resources to your needs.

This helps you not to overspend.

Microsoft Excel and Spreadsheet also have templates for budget planning. That way, you get to create a database to track your expenses. Some Financial institutions also provide online tools for budgeting, check the banks within your region for options.

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The best free online budgeting tools 

The most credible budgeting tools in this time are those found online—some of them with AI integrations to aid you. Unlike ten years ago, there are lots of online tools in the market. Some affordable, some free, some expensive, some effective, and others total bad investments. In this list, we compile the most effective, free online budget tools you can find in any region with a good internet connection. Not only do they help you plan your budget, they’re easy to operate too.

Some of these free budgeting tools are;


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Mint brought about the birth of online budget tools in 2006. Not only has Mint lasted for so long. They’ve successfully helped over 20 million users plan their financial resources, without pain or fear.

The platform links all bank accounts to your Mint account and updates your budget automatically, with every withdrawal or deposit. It has a system that helps you analyse your expenses at time intervals, based on your spending history and financial statement. There is also a menu that allows you to create a debit card bill payment plan.

MINT is an online budgeting tool and is also available on Windows, Android and iOS platforms.


PocketGuard is an online application that helps you plan your finances. It also connects your financial accounts to your budget accounts. The developers of this tool, realize the dangers associated with sharing your bank details and have created encryption that protects your data from third-party agencies. Pocket Guard analyses your bills, debts, other payments and suggests ways through which you can save more.

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Personal Capital

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Personal Capital is one of the most efficient budgeting tools. It doesn’t only help you plan your budget; it helps you with investment plans and also manages your retirement account. Although registration and the use of the budgeting tools are free, the investment tracking option on Personal Capital requires users to pay a token. One per cent of every successful investment.

For individuals who would prefer a platform that grants them the opportunity to manage all their finances and investments on one page, Personal Capital is their final call.


Unsplurge, unlike the previous budgeting tools on this list, helps you to manage your finances for a particular goal, in contrast to the other general-purpose budgeting. Unsplurge helps you to save up for a specific investment, property or pleasure.

Besides helping you keep track of your savings and spending. The application also gives you viable suggestions using your finances as a yardstick, to help you boost your savings.


For those looking for a viable method to effect down-payment of debts and boost savings, SavvyMoney is the most suitable platform to aid them.

The fundamental idea is that you aim to understand your present financial situation and the deeds or misdeeds which have placed you there. After carefully analyzing your financial status, you create a plan for repaying your debts, putting into consideration your income and expenditure.

SavvyMoney helps you stay up-to-date with your progress and also keeps you from derailing. It also gives viable information and suggestions to boost your payments and ease you off the financial stress.



Wally is primarily, secondarily and ultimately a budgeting tool. The functions of this platform are solely based on financial and resource budgeting. Although the functions of Wally are limited compared to most online budgeting tools, it tracks income and expenses efficiently. Wally is completely a cost-free app, which grants users the opportunity to track their costs either by typing them into the blanks provided or taking photographs of receipts.

Wally provides notifications for bills due for payment, saving goals, and other milestones in the platform.

Similar to most online budget tools, Wally offers applications for Android, iOS and Windows users. Wally is free from all sorts of payments and allows for a wide variety of foreign currencies.


Simple is more than just another free online budgeting platform. It does more than manage your budget. It is also an electronic banking platform that can substitute for your traditional bank account. Its banking option allows for more effective interactions between your bank operations and your budget.

Simple offers a safe-to-spend feature that lets users know when they can make extra expenditures asides from the ones previously included in the budget. Also, it contains a savings feature that encourages users to continue saving.

Simple is an all-around financial management app, that allows you to track your bank account, budget and savings on the same platform.

It is free to use and available for all digital devices.

In conclusion, regardless of what budgeting tool or platform you decide to use, the main principle of budgeting remains, “do not go over your budget”. Effective budgeting and savings is a step forward to financial independence.

When sourcing for budgeting aid, look for the ones which suit your planning style and provides you with seamless service.

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Personal Finance

How to build solid financial success system and achieve financial freedom quickly

These are the three systems you need to speed up your financial success by almost 20 times.



Financial system and freedom

The majority of people I know want to increase their financial success. If this is also what you want to do, you need solid financial systems.

What systems do you need and how do you increase financial success especially if you are stuck in a 9-5 job? In this article, I will show you exactly what to do.

To increase your financial success, there are three systems you need. These systems determine how fast or slow you achieve financial freedom and are explained below.

Multiple Income System

This is the system that brings in massive money into your life. It comprises 3 main components – quality of your main income, source of your income, type of income.

The quality of your income can be high or Low. It is high if your main income gives you the ability to save more than you spend. It is low when you can only spend more than you save. High-quality income is the only type of income that can make you rich.

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The second component of the multiple income system is the source of your income and there are two types – the one source income and multiple source income. The key to fast-tracking your financial success is to upgrade your source of income from one to many.

The third component of the multiple income system is the type of income you earn. There are two types of income – active income and passive income.

When you earn only active income or have a weak passive income, you limit your chances of financial success. True success is created when you have a strong active income and a strong passive income. You accelerate your financial success when you depend on passive than active income.

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These are the three components of the multiple income system. When you have all three components working for you, you accelerate your financial success by almost twenty times.

So, now that you know the first system for fast-tracking your financial success, let’s look at the second system.

Money Preservation System

Earning extra income is just one step in the financial success process. What truly creates wealth is the income that you keep. True riches are created when you keep more income for yourself.

Unfortunately, this is rarely the case. Most people are only keeping leftovers for themselves. They are enriching others through their spending and getting poorer and broke every day. To achieve financial success, you must preserve more of what you earn. To succeed with preserving income, you must maximize two key components – the savings component and investing components.

READ: Billionaires that can triple the value of Bitcoin

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The savings component works best when you save big portions of your income every month and investing your savings to produce solid passive income. To save big portions, you must strive to increase your savings by 1% every month. You must also try to maintain a low maintenance living standard.

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The second thing to do to preserve your income, is to ensure that money saved and invested is never lost. Losing money through unguided investment decisions is not wise. To achieve financial success, you must invest to preserve your savings.

So, now that you know the second system that can accelerate your financial success. Let’s look at the third system.

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Money Multiplication System

The money multiplication system is the system that enlarges your wealth. There is a limit to which savings and investing alone can make you rich.

This is because they are heavily dependent on your own direct effort. To create massive wealth, you need to move beyond your effort and create systems that can enlarge wealth even in your sleep. To create this kind of system you need one critical component –  Leverage.

READ: $385 million worth of Bitcoin moved by unknown identity

What is Leverage?

The best way for me to explain leverage is to use the example of a school Teacher and a movie star. A school teacher solves the problem of ignorance through education and a movie star also solves the problem of ignorance and boredom through education and entertainment.

Both teach their audience something about themselves or other people, that they do not know before. A teacher delivers her services by standing in front of a few students and is confined to a classroom. Every day of her life she does the same thing, teaching the same materials to different kinds of students.

READ: Nigeria generates N416.01 billion from Company Income Tax in Q3 2020


Without her presence, her work cannot be delivered, her time is blocked. She is cut off from the wider society and can only earn income from her direct effort. Although, the teacher arguably provides higher perceived value than the movie star, she lacks leverage and her income is limited by it. This, therefore, means that you can provide enormous value and still not be rich. Value alone does not lead to wealth. It is value and leverage that creates massive wealth.

The movie star in contrast has massive leverage. He shoots a movie in some remote town unknown to the audience. He invests weeks, months, and sometimes years producing the movie. But, once produced, he never has to do the same movie over again. The movie produced is distributed all over the world. He is seen on all the media platforms, in theatre, television, and DVDs.

READ: Top passive income strategies using Cryptocurrencies in Nigeria

His movie is watched by billions of people. He is able to build a solid fan base and is patronized from all over the world. A movie star works once and is paid for a lifetime. It is the long-lasting and far-reaching value of the work of a movie star that makes him richer and wealthier than the classroom teacher. Thus, even with little perceived value, a person can create massive wealth with the right leverage.

Leverage is thus the ability to work once and be paid for life. It also the ability to do it in one place and spread it all over the world. The tools that make leverage possible is the right relationships, the right media platform, and the right distribution system. If you do not build your own leverage system, there is a limit to how much money you can earn.

Explore Data on the Nairametrics Research Website

So, these are the three systems you need to speed up your financial success by almost 20 times. Perhaps, you are thinking to yourself how do I build these systems and where do I start. If this is you, we can help. We will help you build these systems and accelerate your journey to financial success. If you need help, send an email to [email protected]

About author

Grace Agada is the Senior Financial Happiness Director at Create Solid Wealth. She is an Author and Column Contributor in six National Newspapers. She is a contributor at BellaNaija, Nairametrics and Proshare. She is on a mission to help working-class professionals and CEOs become more financially successful. To learn more about Grace and how she can help you, send an email to [email protected]

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