Managing your money is tough! This is evident since nearly 80% of American workers are living paycheck to paycheck. Luckily, there is hope! There are several money management tools that can help you get your finances in order. Since you likely carry your cell phone with you 24/7, you will always have these tools at your fingertips.

You need a budget (YNAB) is a great option for wealth management. Now with the newest version of YNAB, you will not need to manually input your transactions. Instead, you can easily import them into your account. YNAB connects your bank using a third-party provider and can quickly import all your financial transactions. YNAB’s budgeting strategy is built on four rules to help you stop living paycheck to paycheck, save money, and live within your means. The four main rules are give each dollar a job, embrace your true expenses, roll with the punches, and age your money. You can find out more about the four rules here.

Chime’s mobile banking app is another excellent option for those who may be struggling to make ends meet. Chime has many features that can help you, like their automatic savings tool, which uses a round up on transactions made, putting aside the excess change into your savings. Chime also has no hidden fees, which saves users an average of $329 a year. Lastly, they offer a feature which makes it possible to receive your paycheck 2 days early. This can be extremely beneficial for those who are living paycheck to paycheck!

Mint is a third tool that can assist you with your finances. Mint is perfect for setting a detailed budget. You can create different budget categories, and access them on the go. Mint can also integrate with your bank accounts and credit cards, so they’re all in one place. The app has a bill pay feature which notifies you when bills are due, and you can even pay them directly from the app. Additionally, Mint analyzes your saving and spending habits, and highlights areas where you can make improvements.

Even if you are one of the many individuals living paycheck to paycheck, there are money management apps that can help you get out of that vicious cycle. Using the helpful apps in this article can lead you to becoming your best financial self!