Five apps  to help with budgeting

1. Centonomy Spending Tracker - A local app that helps you track your expenses for at least three months to help you see where your money is going so that you can draft a realistic budget. Also has advice on personal finance through a blog and videos.

2. Wally+ - Helps you understand where your money goes with details such as with whom and where you spent your money. Also helps you set financial goals such as a savings target.

Shows you how much you overspent that day based on your daily budget and how much you have left to spend. Has the option of choosing your currency based on where you live.

3. Goodbudget - An app-based envelope system that allows you to  set a budget and keep your budget in check by allocating money for different budget items to different ‘envelopes’ and tracking where that

money is going. It charts your spending so you can see a visual representation of how you are using your money, to help you make better financial decisions.

4. BudgetSimple - A web app with a companion mobile app aims to make sure you have a budget that works. It analyses your finances and suggests where you can save money or trim spending to increase

savings.

5. My Budget Book - Allows you to track your income and expenses and manage your money more effectively.