2023-09-15
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Grow Your Wealth

Master Money Management with a Free Budget App

Having your own money 🤪 Managing your own money 🥴

An image of a couple of people drinking wine with the text "Master Money Management with a Free Budget App."
IN THIS ARTICLE:

How To Alter Your Spending Chemistry

If you’ve ever had to wrestle a cat into taking medication, you know what managing your finances in 2023 feels like.

If getting control of your finances is a painful struggle, it’s understandable if it’s easier to just not look at your money, and hope you make it to payday on good luck alone. But it doesn’t have to be this way. What you need? An increasingly smart AI tool to do most of the work for you.

Enter, Cleo, and other free budgeting apps. They help you understand your money flow, and make smarter money decisions. You earned it. You should feel in control of it.

The best thing about budgeting apps? They do most of the work, and you get to spend as little time thinking about budgeting as possible 🙃

Free Budget Apps

Before we dive into the tools Cleo offers, let's emphasize one thing – it's free. You should be able to start mastering your money management skills without shelling out a single cent. Because, obviously, if you’re under financial constraints, you might not want to spend extra money on budgeting tools.

Let’s take a scroll.

Expense Categorization

You're scrolling through your bank statements, trying to make sense of transactions and work out where the hell all your money went this month. You see a series of random numbers and vague merchant names. This is where Cleo comes in.

Once you’ve connected your bank account, Cleo automatically categorizes your expenses into neat little buckets. Suddenly, you can see exactly how much you spent on dining out, shopping, or bills. This visual breakdown helps you identify areas where you might be overspending and where you could cut back to boost your savings.

This is the first step to feeling like you have control over your money 💙

P.S, Because you can talk to Cleo, she can give you insights on your spending categories. It can be as simple as typing “Where has all my money gone?” into chat. Your bank could never.

A Personalized Budget

Setting a budget is essential, but sticking to it is haaaaard. Cleo understands that one size doesn't fit all, and tailors your budget to your unique financial situation.

With the information from your expense categories, Cleo analyzes your spending patterns and income. Armed with this data, Cleo crafts a personalized budget that's realistic and achievable.

The best part? She’ll help you stick to it in real time. Cleo will set spend limits for each category, let you know when you’re close to reaching one. She’ll tell you how much you have to spend each day. Or she’ll answer you when you ask “Do I have enough money to go out this weekend?”

Automatic Saving

Saving money is often easier said than done. Insanely accurate Tiktok ads and unexpected expenses can easily derail your savings plan. DW, Cleo helps you save without thinking with Autosave.

Here's how it works—Cleo finds smart ways to save money for you. Then she transfers those funds to your Cleo wallet at regular intervals. Your savings build up, and they’re safe from “accidentally” being spent among your regular outgoings.

The great thing about this? It’s addictive. It takes the guesswork out of saving, so you know that you’re confidently and consistently working towards your savings goals with each paycheck.

Roast Mode

Sometimes, ya need a little tough love to curb your spending habits. Roast Mode does just that. It's like that brutally honest friend who isn't afraid to call you out on your questionable decisions but with your spending.

In Roast Mode, Cleo tells you exactly how much you spent on, say, Uber rides last month. Think you can handle it? Type “roast me” into chat. We dare you.

The Haggle It Tool

Budgeting isn’t just about cutting down on the little treats that make living under late-stage capitalism bearable. You can save money on your essential spending with Haggle It.

Haggling over bills and rent can be a daunting task. Plus, who has the time and energy to negotiate with service providers and landlords?

This clever feature uses AI to compose a persuasive letter to send to your providers. It's like having a lawyer for your finances. Cleo helps you craft a good-to-go letter that politely but firmly asks for a better deal. 1 in 3 survey respondents managed to save some money–so we think it’s def worth a shot.

Ready to end your toxic relationship with money? Download Cleo for free to get started.

Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference. Big love. Cleo 💙

*Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same day transfers subject to express fees. Visit meetcleo.com/terms for more information.

Cleo could spot you up to $250*. No credit checks. No interest. No stress.*

FAQs
Still have questions? Find answers below.
How does expense categorization help with money management?
What’s so great about a personalized budget?
What even is automatic saving?
How does roast mode help with my finances?
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Talking to Cleo and seeing a breakdown of your money.
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