Keep tabs on spending

yolt (yolt.com) pulls together all your banking bills and balances into one app (you need to add accounts entering your online banking security details) so you can see just how much you’re spending, and on what. you might be shocked by your Asos or Amazon habit. it means you no longer have to juggle between various apps or log onto multiple online accounts, and yolt also gives you a true balance taking into account upcoming debits. you can set spending limits per category. owned by ing, one of europe’s leading banks, it has the same level of security as other banking apps.

ontrEEs (ontrees.com) personal finance app also lets you view all your bank accounts in one place and see how your money is coming in (hopefully) and going out (more likely). it splits your spending into categories such as restaurants, groceries and household bills, so it’s a good starting point to get on top of your finances and help you to budget. As s with yolt, you will have to link your accounts to the app using the same e banking information you use to access your online banking. it is ideal e eal if you have more than one bank account, as you don’t have to switch h from one app to the other. it’s owned ede by moneysupermarket, so from a big ig name, and is “read only” so you can’t n’tn use to it access your cash – only to see where it is going. QuICkbooks (quickbooks.co.uk), for the self-employed, is an online extension to the best-selling accounting software. it is ideal for those who are too busy to keep track of what they are spending – it’s just too easy to lose all those receipts. simply photograph your receipts, use the gps to track work mileage and also use the tax calculator to work out what you might owe Hm revenue & customs so you don’t encounter any nasty end-of-year surprises.