APP of the WEEK

YOU NEED A BUDGET (iOS and Android, free with in-app purchases)

WHO needs a budget? Apparently I do, or maybe they mean all of us. Either way, they’re not wrong, are they?

This app is a great way to start. There have been a lot of budgeting apps on the various app stores for a while, but this is one of the best, especially if

you can get over the obvious fact that it’s targeted more at a US audience than a UK one.

Once you’ve manually changed the currency to good old pounds, though, you’ll be up and running in no time.

The USP is that it aims to help you set

long-term goals and hit them using budgeting, rather than just be a “this is how much you have to spend” kind of app.

They say it’s more a system than a simple app, and it should be for the price – after your month’s free trial, you’ll have to spend

£75.99 a year or £11.49 a month to keep using it.

That would be worth it if it helps you achieve what it claims is possible – and judging by the testimonials on the website, that debt-free, nest-egg building future could be just a download away…