Beyond Earnin & Dave Alternative Budgeting Apps

Unveiling different apps like Earnin and Dave, this exploration dives deep into the burgeoning world of different budgeting options. These apps supply compelling alternate options to conventional strategies, promising revolutionary approaches to managing funds. We’ll uncover the important thing options, consumer experiences, and monetary implications, analyzing how they differ from established platforms like Earnin and Dave, finally empowering you to make knowledgeable decisions.

From user-friendly interfaces to revolutionary monetary instruments, this complete overview will analyze the strengths and weaknesses of those apps. We’ll additionally delve into the market developments driving their development, highlighting the aggressive panorama and the potential impression on shopper conduct. Whether or not you are a seasoned monetary supervisor or simply beginning your budgeting journey, this exploration provides a sensible and insightful have a look at the way forward for private finance.

Table of Contents

Introduction to Different Budgeting Apps: Different Apps Like Earnin And Dave

Navigating private funds can really feel like a maze, however fortunately, useful instruments are rising to information us by means of. Apps like Earnin and Dave are altering how we handle our cash, providing a contemporary perspective on budgeting and monetary wellness. These platforms aren’t nearly monitoring bills; they’re about constructing good habits and attaining monetary objectives.These apps streamline the method of managing funds by offering a centralized platform for budgeting, monitoring revenue and bills, and accessing instruments for managing debt.

They transcend fundamental budgeting by providing options like short-term money advances and monetary schooling sources, aiming to empower customers to make knowledgeable monetary selections. The core performance usually revolves round proactive approaches to managing funds, anticipating potential shortfalls and providing well timed options.

Core Functionalities of Different Budgeting Apps

These apps are designed to supply a user-friendly expertise, usually incorporating options that streamline the budgeting course of. A standard function is the power to trace revenue and bills in real-time, enabling customers to observe their spending patterns and establish areas for enchancment. They usually embody instruments for setting budgets, categorizing transactions, and visualizing spending habits by means of charts and graphs.

Typical Person Expertise and Advantages

The consumer expertise is often intuitive and easy. The apps usually use clear visuals and concise info to current monetary information. This simplifies understanding and permits customers to rapidly grasp their monetary place. Advantages embody improved budgeting habits, a clearer image of spending, and lowered stress related to monetary uncertainties. This results in better monetary management and a way of empowerment, permitting customers to proactively handle their funds.

Goal Viewers

These apps sometimes goal a broad viewers, from younger adults simply beginning their monetary journeys to seasoned professionals searching for higher monetary administration methods. People who is perhaps battling debt, need assistance anticipating upcoming bills, or just need to enhance their monetary habits may tremendously profit from these apps. The audience is anybody searching for to raised perceive and management their private funds.

Comparability of Earnin and Dave

Function	Earnin	Dave
Money Advance Availability	Based mostly on scheduled paychecks and revenue verification.	Obtainable when customers’ scheduled revenue is coming quickly.
Curiosity Charges	Typically, no curiosity costs.	Curiosity-free, however a small payment could apply.
Monetary Training	Affords fundamental monetary schooling sources and instruments.	Focuses on monetary schooling and constructing credit score historical past.
Debt Administration	Major focus is on short-term money circulate wants.	Focuses on constructing a optimistic credit score historical past and managing debt.
Options	Money advance options, spending monitoring, and monetary schooling instruments.	Debt administration instruments, credit score constructing instruments, and monetary schooling sources.

This desk highlights the important thing variations between Earnin and Dave, emphasizing their respective strengths and approaches to monetary administration. Every app caters to completely different wants and preferences, permitting customers to decide on the perfect match for his or her monetary scenario.

Options Comparability and Distinction

Budgeting apps have exploded in reputation, providing numerous instruments to handle private funds. Navigating this panorama can really feel overwhelming, however understanding the core options of those apps is vital to discovering the best one on your wants. This comparability dives into the specifics, from payment constructions to monetary schooling, serving to you select an app that aligns along with your monetary objectives.Totally different apps cater to numerous monetary conditions and preferences.

Some give attention to simplicity and ease of use, whereas others emphasize detailed monitoring and superior options. Understanding the important thing variations between apps is important for choosing the right match on your monetary journey.

Price Constructions of Comparable Budgeting Apps

Understanding the charges related to budgeting apps is essential. Some apps function on a freemium mannequin, providing fundamental options at no cost with premium options requiring a subscription. Others may cost transaction charges, or have hidden prices related to particular options. Transparency in payment constructions is important for making knowledgeable decisions.

Some apps supply free fundamental plans, unlocking superior options with a paid subscription.
Transaction charges, whereas usually minimal, can accumulate over time, impacting the general price of utilizing the app.
Hidden prices, reminiscent of costs for particular actions or options, ought to be rigorously reviewed.

Strategies for Accessing Funds in These Apps

The strategies for accessing funds differ significantly between apps. Some enable for direct integration with financial institution accounts, streamlining transactions and offering real-time updates. Others could supply restricted entry, doubtlessly requiring guide enter or transfers. Accessibility is vital to fast and simple fund administration.

Direct checking account integration provides quick entry to funds and transaction historical past, simplifying budgeting.
Guide entry strategies could be time-consuming and liable to errors.
Some apps present restricted entry, limiting sure transactions or requiring further steps.

Cost Choices and Integration Strategies

Cost choices and integration strategies considerably impression usability. The power to attach varied cost accounts and seamlessly switch funds between them could make budgeting extra environment friendly. The supply of various cost strategies ought to be thought-about.

Apps that combine with a number of cost accounts supply better flexibility in managing funds.
The power to rapidly switch funds between accounts is a beneficial function for managing bills.
Restricted cost choices can prohibit the app’s utility, notably for customers with complicated monetary wants.

Options for Monitoring Spending and Revenue

The power to trace spending and revenue is prime to any budgeting app. Options like categorization, budgeting limits, and automatic saving choices can improve monetary management. Detailed and intuitive monitoring mechanisms can streamline the method.

Detailed categorization of spending and revenue permits for a exact understanding of economic habits.
Automated saving choices can encourage disciplined saving conduct.
Budgeting limits and reminders may help customers keep inside their monetary plan.

Approaches to Monetary Training

Monetary schooling is turning into an more and more vital side of budgeting apps. Some apps supply academic sources, ideas, and insights to enhance customers’ monetary literacy. This will embody articles, movies, or interactive modules. This strategy empowers customers with data past simply monitoring their funds.

Apps that incorporate monetary schooling instruments present beneficial sources for bettering monetary literacy.
Interactive modules and tutorials may help customers develop higher monetary habits.
The absence of academic content material can restrict the app’s worth for these searching for extra than simply fundamental budgeting instruments.

Reward Programs or Incentives Supplied

Reward programs or incentives are sometimes employed to inspire customers to stay to their price range plans. Some apps supply factors, rewards, or reductions for assembly financial savings objectives. These programs could be a highly effective motivator for constant monetary administration.

App Title	Reward System	Instance
App A	Factors-based reward system for reaching financial savings milestones	100 factors for saving $500
App B	Low cost coupons for particular retailers	10% low cost on groceries for saving $1000
App C	No reward system	None

Person Expertise and Design

Navigating the monetary panorama can really feel overwhelming. Different budgeting apps are stepping in to simplify the method, providing intuitive interfaces and personalised experiences. This part delves into the user-centric design decisions that make these apps a breeze to make use of. The main focus is on how these apps, past simply performance, create a optimistic and empowering consumer expertise.These apps are extra than simply instruments; they’re designed companions.

Understanding their UI/UX is vital to greedy their attraction. From the colour palettes to the navigation construction, every aspect contributes to the general consumer expertise, shaping how customers work together with and really feel concerning the app.

Person Interface Design Examples

Different budgeting apps usually function clear, trendy designs. A outstanding instance is perhaps a visually interesting dashboard displaying key monetary metrics in a transparent, concise format. One other may contain interactive charts and graphs to visualise spending patterns and developments. These visible components intention to not solely current information but additionally to inspire customers to actively handle their funds.

The design is usually targeted on readability and ease of use, with the first aim of creating the budgeting course of as seamless as potential.

Navigation and Ease of Use

A well-designed navigation system is essential for consumer satisfaction. Apps sometimes use intuitive menus and clear labels for every operate, enabling customers to simply discover what they want. Easy, one-click actions for frequent duties like including transactions or viewing studies are important for a clean consumer expertise. The structure is normally organized logically, making certain customers can effortlessly navigate by means of the app to entry completely different options.

Design Rules and Visible Aesthetics

These apps typically adhere to a minimalist design philosophy, prioritizing readability and effectivity over complexity. This normally interprets right into a palette of impartial colours, reminiscent of delicate blues, grays, and whites, which promote a way of calm and focus. The usage of high-quality typography can be frequent, making certain that the textual content is well readable and aesthetically pleasing. The visible attraction isn’t just for aesthetics, but additionally for a sense of professionalism and reliability.

App Design Languages

Totally different apps make the most of varied design languages, influencing the general feel and look. Some may use a extra playful, colourful aesthetic to attraction to a youthful demographic, whereas others go for a extra subtle, understated model to focus on a broader vary of customers. The design language is usually tailor-made to resonate with the app’s particular audience.

Widespread Design Components

| Aspect | Description ||—————–|——————————————————————————————————————————————————————————————————————————————————————–|| Dashboard | Centralized show of key monetary metrics, usually with visible aids (charts, graphs).

|| Transaction Entry| Intuitive strategies for including transactions, reminiscent of utilizing a easy kind or barcode scanning.

|| Reporting | Clear and detailed studies, enabling customers to know their spending habits and progress in direction of their monetary objectives.

|| Budgeting Instruments | Options that help completely different budgeting strategies, such because the zero-based price range or envelope system, catering to numerous consumer preferences.

|| Aim Setting | Instruments to set and monitor monetary objectives, offering motivation and a transparent path towards attaining desired outcomes.

|| Safety | Sturdy safety measures, together with password safety and encryption, making certain consumer information privateness.

Profitable UI/UX Design Patterns, Different apps like earnin and dave

Many apps make the most of a sample of visually highlighting transactions categorized by spending class. This visible cue helps customers rapidly establish areas the place they is perhaps overspending. One other profitable sample includes offering interactive visualizations of spending patterns over time. This visible illustration permits customers to establish developments and make knowledgeable selections about their funds. Interactive components, like drag-and-drop options for adjusting budgets, are additionally frequent, rising consumer engagement and management.

Monetary Advantages and Drawbacks

Unlocking your monetary potential can really feel like navigating a maze, however these apps supply a transparent path. They’re designed that will help you handle your cash, providing potential advantages that stretch past easy budgeting. Nevertheless, like several software, they arrive with potential drawbacks. Understanding each side of the coin is vital to creating knowledgeable selections.

Potential Monetary Advantages

These apps empower customers to realize a clearer image of their spending habits, serving to them make knowledgeable selections. The transparency they provide can result in important financial savings and improved monetary well being. By monitoring bills and visualizing revenue, customers can establish areas the place they is perhaps overspending. This will result in a discount in pointless bills, boosting financial savings.

Moreover, some apps present instruments for constructing emergency funds or automating financial savings objectives, fostering a proactive strategy to monetary well-being. The power to set and monitor objectives, with clear visualizations of progress, could be vastly motivating.

Potential Dangers and Drawbacks

Whereas these apps could be highly effective instruments, relying solely on them and not using a broader monetary technique could be dangerous. Over-reliance on these apps could result in a lack of know-how of bigger monetary ideas, doubtlessly hindering long-term monetary planning. Some customers may change into overly targeted on short-term positive factors, neglecting investments sooner or later. Information safety and privateness are essential issues.

Customers want to make sure the app they select is safe and clear about how they deal with private monetary info. The potential for inaccurate or incomplete information entry can result in flawed insights and misinformed monetary selections. Not all apps supply complete monetary planning companies; some could focus totally on budgeting and monitoring, doubtlessly neglecting different vital features of economic administration.

Monetary Implications for Customers

Utilizing these apps can have important monetary implications, starting from modest financial savings to substantial enhancements in total monetary well being. A constant use of those instruments can empower customers to take management of their funds, enabling them to satisfy monetary objectives, construct wealth, and cut back stress related to managing funds. Nevertheless, a poor understanding of how these instruments work can result in unintended penalties.

Customers ought to rigorously contemplate the implications earlier than committing to a specific app. Understanding the options and limitations of the app is important to keep away from misusing the software and to make knowledgeable selections.

Impact on Spending Habits

These apps can considerably impression spending habits, positively or negatively. Many customers discover that the power to trace spending results in elevated consciousness of their spending patterns. This consciousness can inspire customers to make acutely aware selections about the place their cash goes, resulting in better management over spending. Alternatively, some customers may develop a damaging relationship with spending, doubtlessly resulting in anxiousness or stress.

Rigorously choosing an app and understanding the way it works may help customers handle their spending in a optimistic approach.

Benefits and Disadvantages of Budgeting Apps

Function	Benefits	Disadvantages
Expense Monitoring	Gives detailed insights into spending patterns, enabling customers to establish areas of overspending.	Requires constant and correct information entry; inaccuracies can result in deceptive insights.
Aim Setting	Motivates customers to realize monetary objectives, reminiscent of saving for a down cost or retirement.	Requires self-discipline and adherence to the set objectives; lack of self-discipline can result in setbacks.
Budgeting Instruments	Helps customers create and handle budgets, making certain bills align with revenue.	Could not supply complete monetary planning, doubtlessly neglecting different features of wealth administration.
Automations	Streamlines financial savings and funds, selling monetary self-discipline.	Requires cautious configuration to keep away from unintended penalties; over-reliance can result in a lack of know-how of economic ideas.

Market Evaluation and Traits

10 Apps Like Earnin Cash Advance Made Easy | tecadmin

The choice budgeting app market is booming, attracting customers searching for extra management over their funds and revolutionary approaches to saving and spending. This dynamic sector is ripe with alternatives for each established gamers and new entrants. Understanding the developments shaping this market is essential for navigating the aggressive panorama and figuring out potential avenues for development.The rising prevalence of economic literacy initiatives and the rising consciousness of non-public finance administration are key drivers fueling this development.

Increasingly more individuals are actively searching for instruments to trace their bills, plan for the long run, and finally obtain their monetary objectives.

Progress of the Market

The choice budgeting app market is experiencing substantial development, pushed by rising consumer demand for personalised and feature-rich monetary administration options. This surge in adoption is more likely to proceed as monetary schooling turns into extra accessible and built-in into on a regular basis life.

Elevated Person Demand: Customers are demanding extra management over their funds, resulting in a rising choice for apps providing personalised budgeting, goal-setting, and funding instruments. This pattern is fueled by a need to actively handle funds and obtain monetary freedom.
Rise of Monetary Literacy: Academic initiatives and on-line sources are making monetary literacy extra accessible. As extra folks perceive the significance of efficient budgeting, the demand for budgeting apps naturally will increase.
Integration of Know-how: The seamless integration of expertise into day by day life makes monetary administration instruments extra handy and approachable. The comfort issue encourages wider adoption of different budgeting apps.

Aggressive Panorama

The aggressive panorama throughout the different budgeting app market is intense. Established gamers face strain from new entrants providing revolutionary options and consumer experiences. The competitors is fierce, but additionally presents alternatives for differentiation. Profitable apps will seemingly give attention to offering superior worth propositions, whether or not by means of superior options, personalised help, or user-friendly interfaces.

Differentiation is Key: Apps should supply distinctive worth propositions to face out. This might contain specialised options, personalised help, or distinctive consumer interfaces.
Innovation is Essential: The market rewards innovation. Steady improvement and introduction of latest options are important for sustaining a aggressive edge.
Person Expertise is Paramount: A seamless and intuitive consumer expertise is paramount to app success. This consists of simple navigation, clear presentation of knowledge, and a optimistic consumer journey.

Affect of Regulatory Modifications

Regulatory modifications within the monetary sector can considerably impression the operation of different budgeting apps. These apps have to adapt to evolving rules to keep up compliance and consumer belief. Sustaining transparency and accountable monetary practices are vital for long-term success.

Compliance with Laws: Staying up to date with and adhering to monetary rules is important for the continued operation of budgeting apps.
Information Safety and Privateness: Making certain the safety and privateness of consumer information is paramount to constructing belief and sustaining compliance.
Transparency in Charges and Fees: Clear communication relating to charges and costs is essential for constructing consumer belief and transparency.

Monetary Market Outlook

The monetary market’s view of different budgeting apps is essentially optimistic, recognizing the potential for these apps to empower customers and enhance monetary well-being. Buyers see the market as a rising alternative, fueling additional innovation and improvement on this area.

Constructive Market Sentiment: The monetary market typically views different budgeting apps favorably, recognizing their potential to boost monetary literacy and enhance private finance outcomes.
Progress Potential: The marketplace for different budgeting apps is projected to proceed rising, attracting important funding and additional innovation.
Lengthy-Time period Alternative: The long-term potential of different budgeting apps is substantial, making them a lovely funding alternative for these searching for to be part of this burgeoning market.

Market Progress Illustration

Yr	Estimated Market Worth (USD Billion)
2022	10
2023	12
2024	15
2025	18

Word: These figures are illustrative and primarily based on estimated market developments.

Different Options and Performance

Past the quick want for short-term money, different budgeting apps supply a wider vary of instruments and options. These apps are designed to not solely handle your funds but additionally to foster a deeper understanding of your spending habits and potential for future monetary development. This goes past merely accessing funds; it is about constructing a stronger monetary basis.These apps acknowledge that monetary wellness is extra than simply numbers.

They incorporate options to handle numerous wants, empowering customers to make knowledgeable monetary selections and construct a more healthy relationship with their cash. The result’s a extra complete and proactive strategy to non-public finance.

Extra Options Past Earnin and Dave

Different apps usually incorporate strong budgeting instruments that transcend fundamental expense monitoring. These options may help customers visualize their spending patterns and establish areas for enchancment. They provide greater than only a method to entry funds; they provide a whole monetary administration system.

Superior Budgeting Instruments: Many apps present subtle budgeting options, permitting customers to categorize bills, set personalised budgets, and monitor progress in direction of monetary objectives. These instruments can routinely categorize transactions, offering customers with a transparent image of the place their cash goes. This will result in a better understanding of spending patterns, doubtlessly revealing areas the place financial savings could be elevated.
Funding Integration: Some apps combine with funding platforms, providing customers a one-stop store for managing each their day-to-day funds and long-term investments. This integration offers a holistic strategy to monetary planning, guiding customers in direction of potential wealth accumulation methods. The mixing may embody instruments to routinely make investments a portion of financial savings or to offer customers with personalised funding recommendation primarily based on their monetary profile.
Monetary Training Assets: A major benefit of many various apps is their integration of economic schooling sources. These sources present customers with beneficial insights into private finance ideas, providing sensible recommendation and ideas to enhance their monetary literacy. This might contain academic articles, movies, or interactive modules that cowl subjects like budgeting, saving, investing, and debt administration. These sources may even be tailor-made to particular monetary objectives or circumstances, offering a extra personalised studying expertise.
Debt Administration Instruments: Some apps embody options that assist customers handle debt. These instruments can help with making a debt reimbursement plan, monitoring progress, and doubtlessly negotiating higher phrases with collectors. This help could be essential for these going through debt challenges and offers a extra complete strategy to monetary well-being.

Different Methods to Entry Funds

Past the standard strategies of Earnin and Dave, different apps discover different avenues to offer entry to funds. This will embody leveraging different information sources or incorporating options that facilitate peer-to-peer transactions.

Peer-to-Peer Lending: Some apps facilitate peer-to-peer lending or borrowing, enabling customers to attach with others in want of funds. This might contain a safe platform the place customers can put up requests for funds and join with potential lenders. This provides a substitute for conventional monetary establishments and may present an answer for these with restricted entry to credit score.
Pay as you go Card Integration: Integrating with pay as you go playing cards can present a seamless and handy approach for customers to entry funds and handle their funds. The consumer expertise may embody options for budgeting and spending monitoring which might be built-in with the pay as you go card.
Asset-Based mostly Financing: Some apps make the most of asset-based financing, permitting customers to leverage the worth of their belongings (like unused present playing cards) to entry funds. This function could be notably helpful for customers who’ve belongings however lack quick entry to money.

Examples of Superior Budgeting Instruments

These apps usually present superior budgeting options past easy expense monitoring. These options enable for deeper insights into spending habits, fostering a greater understanding of how funds are being utilized.

Automated Financial savings: Apps can routinely put aside a portion of earnings for financial savings, enabling customers to construct a constant financial savings behavior. This function can promote long-term monetary safety and assist obtain particular monetary objectives.
Funding Monitoring: Some apps can monitor funding portfolios and supply insights into efficiency, providing customers a complete view of their funding actions. These options can embody portfolio visualizations and evaluation instruments, aiding in knowledgeable funding selections.
Aim Setting and Progress Monitoring: These apps usually enable customers to set monetary objectives (like shopping for a home or paying off debt) and monitor their progress towards these objectives. This will inspire customers and supply a way of accomplishment as they transfer nearer to their monetary aspirations.

Options Not Sometimes Present in Earnin and Dave

Many various apps supply options not generally present in Earnin and Dave. These options handle a broader spectrum of economic wants and objectives.

Complete Monetary Planning: Some apps transcend short-term money entry and supply instruments for complete monetary planning, encompassing budgeting, saving, investing, and debt administration. These instruments present a extra complete view of economic well-being.
Customized Monetary Recommendation: Some apps combine with monetary advisors or supply personalised monetary recommendation primarily based on consumer information. This function can supply a extra proactive strategy to monetary administration, offering tailor-made steering and help.
Group Options: Some apps incorporate group options, permitting customers to attach with different customers, share experiences, and obtain help from a community of friends. This side can improve the consumer expertise and create a way of group amongst customers.

Illustrative Examples of Different Budgeting Apps

Budgeting apps are now not only for the meticulous; they’re turning into important instruments for navigating the complexities of recent funds. These apps supply extra than simply monitoring bills; they’re designed to empower customers with insights and techniques to realize their monetary objectives. Past the acquainted faces of Earnin and Dave, a vibrant ecosystem of different apps is rising, every with its personal strategy to non-public finance.These different budgeting apps cater to numerous monetary wants and preferences, from these searching for a easy, streamlined expertise to these craving extra superior options.

They differentiate themselves by means of distinctive functionalities and approaches to monetary administration. Understanding these variations permits people to decide on the perfect match for his or her particular person circumstances and objectives.

Examples of Different Budgeting Apps

These apps present a variety of options past the core functionalities of fundamental budgeting. They usually combine with different monetary companies, offering a extra holistic strategy to non-public finance. These apps supply distinctive methods to handle cash and encourage accountable spending habits.

Mint: Mint is a well-liked budgeting app recognized for its complete overview of your monetary accounts. It connects with varied financial institution accounts, bank cards, and funding platforms, permitting you to visualise your total monetary image in a single place. Mint’s energy lies in its skill to consolidate information and supply a transparent snapshot of your spending habits.

It differs from Earnin and Dave by specializing in complete budgeting slightly than offering short-term monetary options.
Private Capital: Private Capital takes a extra subtle strategy to non-public finance administration. It provides instruments for monitoring investments, retirement planning, and internet price calculations, offering a extra holistic view of your monetary well being. That is distinct from Earnin and Dave in its emphasis on long-term monetary planning and funding administration.
YNAB (You Want a Price range): YNAB is a budgeting app that emphasizes the idea of budgeting primarily based in your revenue. It helps you allocate funds to numerous classes, making certain you keep on with your price range and keep away from overspending. This contrasts with Earnin and Dave, which give attention to short-term monetary wants and entry to funds.
PocketGuard: PocketGuard is a user-friendly budgeting app that integrates with many monetary establishments. It provides personalised suggestions for lowering bills and maximizing financial savings. Its distinction from Earnin and Dave lies in its complete budgeting strategy and give attention to long-term monetary well-being.

Pricing and Subscription Fashions

Many of those apps supply a mix of free and paid tiers. Free tiers usually present fundamental options and functionalities. Paid tiers unlock superior options, reminiscent of detailed reporting, personalised insights, or superior planning instruments. This tiered strategy permits customers to decide on a plan that aligns with their price range and monetary wants.

Affect on Shopper Habits

The proliferation of those apps has considerably impacted shopper conduct. Customers are actually extra conscious of their spending patterns and higher outfitted to make knowledgeable monetary selections. This elevated monetary literacy results in extra accountable spending habits and a better emphasis on long-term monetary objectives.

Desk: Different Budgeting Apps

App Title	Key Options	Goal Viewers
Mint	Account aggregation, spending evaluation, budgeting instruments	People searching for a complete overview of their funds
Private Capital	Funding monitoring, retirement planning, internet price calculation	People thinking about long-term monetary planning and funding administration
YNAB	Budgeting primarily based on revenue, expense monitoring, aim setting	People searching for a structured budgeting strategy
PocketGuard	Expense monitoring, personalised suggestions, saving instruments	People searching for a user-friendly budgeting app with actionable insights