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8 apps to Get Your Budget Right in 2019

MINNESOTA SPOKESMAN-RECORDER — These apps can help you set realistic budget goals and track your spending habits to see where your money is going — and help you save some of it!

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By Stephenetta (isis) Harmon

Managing (and saving) money can seem like the ultimate chore. With each paycheck, we promise ourselves to get our finances in order, pay down debt and not make any of the bad spending decisions we’ve previously made.Then, we’re hit with what seems like another round of unexpected expenses (like snow tires and insurance), must-have sales and unaccounted for basics like eating out, birthday gifts and more. Welp. Did that money even make it to our accounts?

You’re not alone. According to the Federal Reserve, nearly half (47 percent) of American families are unable to afford an unexpected $400 expense.

So, with the New Year fast approaching (where did the time go?), we’ve resolved to not wait until January to get our finances on point. Thankfully, there are personal finance apps you can use right from your phone to get you started in minutes. These apps can help you set realistic budget goals and track your spending habits to see where your money is going — and help you save some of it!

We’ve pulled together a list of some of the most popular and user-friendly choices to help you stop living paycheck to paycheck and increase your financial health. Read on — your bank account will thank you.

Mint This is by far one of the most popular and well-rounded apps on the market. Run by Intuit, the folks behind TurboTax and QuickBooks, it is a one-stop shop for syncing all of your bank, credit and loan accounts along with your monthly bills.See what’s due and when, where you spend the most money, how much you really have and if you can afford those new shoes. Even if you don’t set up a budget, it breaks down your weekly spending habits by category and gives you a snapshot of your net worth. Plus, you get free access to your credit score.Free.

You Need a Budget If your goal is getting out of debt fast, then take a look at You Need a Budget (YNAB). The app’s focus is giving “every dollar a job” and making it work for you — it reports that the average user saves $500 in the first month of use.The app syncs with bank accounts and walks users through setting up a budget, goals to pay down debt and how to get ready for unexpected spending needs. Working as an accountability partner, it won’t let you create budgets for money you don’t have and helps you refocus if you get sidetracked.First month free, then $6.99/month. Free for students.

Wally/Wally While not a full budgeting app, this streamlined app is perfect for folks who just want to track their expenses without having to do a bunch of work. It’s super easy to get started with, as it only requires your name and email address.Once signed up, you can follow your money trail, take photos of receipts and even use GPS to autofill in locations. You can’t set budgets for specific categories or items like Mint and YNAB, but it will let you set overall savings goals.Free.

Acorns This app is perfect for stock newbies and those who want to, but thought they didn’t have enough money to, invest in stocks. Sync your cards to the app and it will automatically round up purchases to the nearest dollar and invest those coins into your choice of exchange-traded funds (ETFs). So, if your purchase was $82.54, the app will round up to $83 and invest $.46 into your investment portfolio. By the end of the year, you could easily have invested upwards of $500 and $1000. Even better, you never see the money so it doesn’t feel like you’ve lost anything.$1-$3 per month; free for students.

Albert Get real about your financial health and save some coins with this app. Once you sync your accounts, you’ll get a financial health score based on income and debt. It will then track your bills and spending habits and suggest spending changes.Its winning feature, however, is Albert Savings, which automates and builds your savings by putting away a few dollars each check. Twenty dollars here, $10 there — it adds up without you even thinking about it. And, like Acorns, you don’t really miss it because you don’t see it happening.Cost: $1-$3 per month, free for students.

Quicken This is the grandfather of budgeting apps and has been around in one version or another since the ‘80s. Its name recognition alone can help convince those who don’t trust the “interwebs” to manage their finances online.It’s also a great tool for small business owners and folks looking for long-term financial planning like retirement and college. You can also sync and pay your bills directly from the app.$5-$10 per month.

Personal Capital This app is part investment tool, part budgeting app that gives users the full picture of their net worth. This app is perfect for the stock market junkie. You can sync not only bank accounts but also brokerage and, even, 401K accounts to manage your financial health and wealth in real time. It is also a great tool for planning for college and retirement costs.Free.

Mvelopes This app modernizes the old school budgeting method of putting funds allotted for different expenses (like rent, entertainment and food) into envelopes, with the thought that once the money is spent, it’s gone.Sign up and establish spending goals based on income and expenses and assign dollar amounts to each digital envelope.$0-$8 per month.

This is just a short list of a plethora of apps on the market to help you get your budget and finances in order. If these don’t work, don’t sweat it. Scroll through your app store or talk to friends to see what they’re using.The primary goal is to start thinking about how and where you spend your dollars, long-term financial goals, and how to set some aside for a rainy day (or a sunny vacation).

This article originally appeared in the Minnesota Spokesman-Recorder. 

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Black Press

Oakland Mayor Reads to Children at Bookout Block Party at Marcus Books Store

Booths lined the street with arts and crafts, and children participated in hands-on art projects. A large display of books was on display and each child chose his/her free book to take home. Food and snacks were available, and free water was encouraged to keep all hydrated.

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(L.to R.) Cherysse Calhoun and Blanche Richardson of Marcus Books join Oakland Mayor Barbara Lee with Indya McGuffin and Bean Tupou of Storyland Collective inside the store on Sept. 12. Courtesy photo.
(L.to R.) Cherysse Calhoun and Blanche Richardson of Marcus Books join Oakland Mayor Barbara Lee with Indya McGuffin and Bean Tupou of Storyland Collective inside the store on Sept. 12. Courtesy photo.

Floating bubbles greeted families on arrival at the Bookout Block Party held on Sat. Sept. 12 at 39th and MLK Blvd. in Oakland.

Sponsored by Marcus Books and Storyland Collective, a wonderland of activity for children stretched to Longfellow School while live music filled the air, courtesy of KWC Complex Jazz Group.

Booths lined the street with arts and crafts, and children participated in hands-on art projects. A large display of books was on display and each child chose his/her free book to take home. Food and snacks were available, and free water was encouraged to keep all hydrated.

A large area of turf was filled with huge bean bags for jumping, rolling, and sitting to listen as families crowded close to listen to Oakland Mayor Barbara Mayor Barbara Lee read a book out loud.

Of the numerous booths present were, “Claim Your Scholarship,” a program for Oakland Public School students and “VOLUNTEER NOW,” a program encouraging volunteers to help boost reading proficiency. Individuals sold their art and products. Free gifts were at many tables and a raffle was held.

The event with Marcus books culminated a summer-long program organized by Storyland Collective, a literacy arts organization bringing children’s ‘storytime,’ local authors, and art activities to Bay Area neighborhoods. Marcus Books is the oldest, independent Black-owned book store in the U.S., featuring books by and about Black people here and abroad.

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Black History

Tradition Comes to the Streets in 11th Annual Black-Eyed Pea Festival at the Freedom Farmers Market

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(L. to R.) Black-Eyed Pea Festival Director Wanda Ravernell with Barbara Lee and Winky Binky Dogs owner, Tyranny. Courtesy photo.
(L. to R.) Black-Eyed Pea Festival Director Wanda Ravernell with Barbara Lee and Winky Binky Dogs owner, Tyranny. Courtesy photo.

Mayor Barbara Lee stops by to support vendors, Winky Dinky Dogs owner Tyranny Allen

A streamlined Oakland Black-Eyed Pea Festival took place on Sat. Sept. 12 in the lower Temescal neighborhood on the blocked off street that connect Shattuck and Telegraph avenues.

An early start brought together vendor regulars from festival partner, the Freedom Farmers’ Market, and vendors who have supported the festival at its previous location at Marston Campbell Park.

Wanda Ravernell, the festival producer/director was on the verge of cancelling the festival because of funding limitations in May before reaching out to Elaine Smith, president of Farms to grow, Inc., which supervisors the market.

From its start in 2014, the festival has focused on the traditions of African American culture through music, food and art. That emphasis included fresh food vendors, particularly growers of African American legacy crops like black-eyed peas, yams, watermelon, collard greens and okra, which all originate in Africa.

To Fresno farmer Will Scott of Scott Family Farms, the Freedom Farmers’ Market allows him to bring those crops to the inner city – and support the nutrition of African Americans.

Shortly after the festival opened Saturday morning with prayers and salutes to the ancestors by Wakan Wiya Two-Spirit Drum and Awon Ohun Omnira, led M. Zamora and Otobaji Stewart respectively, 86-year-old Scott, the son of a sharecropper, announced that he will put other endeavors aside to dedicate the rest of his life to raise those foods.

Smith shared that Farms to Grow assists Black farmers in helping them overcome one of their main impediments to success – distribution – while creating alliances to help Black people maintain farmland and make it prosperous for younger generations to keep farming and farmland in the family.

As the morning progressed to afternoon, a steady stream of visitors drifted from booth to booth, chatting with vendors and each other.

Scott noted that a market day like this was what he was accustomed to in his youth, where the market was not just about buying things but also a place for valuable social exchange.

The social aspect became even pronounced shortly after midday when Oakland Mayor Barbara Lee stopped by to shop and visit with some of the vendors, including Ellen Bimpeh of Sankofa, and Ravernell who was selling T-shirts designed by Stewart.

Lee is also a fan of Winky Dinky Dogs, an eatery owned by Tyranny Allen whose second brick-and-mortar venture further anchors a hub of businesses at that corner.

As he has in previous years, Andre Thierry of Accordion Soul, closed the festival with a 90-minute set that brought young and the young-at-heart on their feet to dance in a line or as impromptu couples.

And, surprisingly, the man Allen refers to as the mayor of 45th Street, came out on cane and chair to sit by the curb in the sun and listen to music reminiscent of his Louisiana roots. His appearance seemed to echo Scott’s observance about the market: to bring people together.

The Freedom Farmers’ Market is located at 4521 Telegraph Avenue in Oakland and is open on the second and fourth Saturdays of each month until Nov. 14. For more information and to apply to be a vendor, go to https://www.farmstogrow.org/freedomfarmersmarket

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Black Press

Attorney General Rob Bonta Continues Opposition to President Trump’s Tariff Regime

“President Trump is so intent on raising the cost of living for Americans that he is willing to break law after law to continue his tariff regime,” said Bonta.

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Calif. Attorney General Rob Bonta. Courtesy photo.
Calif. Attorney General Rob Bonta. Courtesy photo.

California Attorney General Rob Bonta, as part of a coalition of 25 states, filed an amicus brief in the Court of International Trade in Learning Resources v. Trump, a case challenging President Trump’s latest “unlawful” attempt to tax the states and American consumers through illegal tariffs, according to a media release issued by the California Department of Justice.

In the brief, Bonta argues the latest round of tariffs levied under Section 301 of the Trade Act of 1974 are pretextual and are not targeted to address the purported harms of forced labor, as that statute requires, but instead are designed to re-create the tariffs already declared illegal by various courts.

Last month, Bonta and the coalition filed a lawsuit challenging the administration’s decision to impose these tariffs on over 80 countries that together account for 99.4% of all U.S. imports — costs that will be passed along to Americans already struggling with affordability.

“President Trump is so intent on raising the cost of living for Americans that he is willing to break law after law to continue his tariff regime,” said Bonta.

“Imposing these tariffs under Section 301 has nothing to do with forced labor and everything to do with continuing the President’s failed economic policy and reimposing the global tariffs that the Supreme Court invalidated,” he continued.

“We urge the Court of International Trade to declare the president’s tariffs under Section 301 illegal. Tariffs are taxes, and the American people cannot and should not shoulder the extra costs that come from the president’s illegal tariffs.” 

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Black Press

Neighborhood Empowerment Day in Deep East Oakland Brings Community Together After Recent Tragedy

Hosted by the 40×40 Council, the free, family-friendly resource fair featured health and wellness services, workshops, children’s activities, food, giveaways and local Black-owned businesses. Residents also connected with community organizations working to strengthen East Oakland.

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Vendors representing maternal health support at the 40x40 Neighborhood Empowerment Day at the Parker Community Resource Center in East Oakland. Photo by Carla Thomas.
Vendors representing maternal health support at the 40x40 Neighborhood Empowerment Day at the Parker Community Resource Center in East Oakland. Photo by Carla Thomas.

Families, residents and community organizations gathered at the Parker Community Resource Center on Saturday, Sept. 12, for the 40×40 Neighborhood Empowerment Day, transforming the site of a recent tragedy into a space for healing, resources, connection and joy.

Hosted by the 40×40 Council, the free, family-friendly resource fair featured health and wellness services, workshops, children’s activities, food, giveaways and local Black-owned businesses. Residents also connected with community organizations working to strengthen East Oakland.

The gathering came six weeks after a fatal shooting occurred at the Ney Avenue center on July 31. The violence happened shortly before 9 a.m. on the campus of the adult education center and claimed the life of 25-year-old Kimarii McLemore. A second person was injured.

McLemore was attending what was supposed to be her final day in an adult education carpentry class. The shooting deeply affected her family and traumatized students, staff members and residents who had viewed the center as a safe place where community members could pursue education, career training and a better future.

Neighborhood Empowerment Day offered residents an opportunity to return to the center in a spirit of unity and reclaim the space as an important neighborhood resource.

“Reclaiming the space after a tragedy means creating opportunities for people to gather, connect, experience joy and feel a sense of community once again,” said Tim Zenor-Davis, program manager at Roots Community Health. “After a trauma occurs, we see what happened, we acknowledge its impact, and we are continuing to show up.”

Throughout the afternoon, children and families participated in activities while residents received information about health, wellness and other community services. The event also gave local entrepreneurs and service providers an opportunity to connect with the community.

Complimentary meals included grilled burgers and tacos while a DJ played popular music. 

Guests received blood pressure and eye-sight checks. A space to exercise on yoga mats was provided while headphones with guided meditation offered a moment to slow down and reflect.

The 40×40 Council includes the Black Cultural Zone, Brotherhood of Elders Network, East Oakland Youth Development Center and Roots Community Health. Together, the organizations have worked to address community violence and the deeper systemic conditions that have affected generations of East Oakland residents.

The council’s work has extended beyond responding to individual tragedies. As part of the broader Rise East initiative, the collaborative has focused on reversing decades of economic disinvestment, systemic poverty, health disparities and the displacement of Black legacy residents.

The 40×40 area stretches from Seminary Avenue to the San Leandro border and from MacArthur Boulevard to the Bay. More than 30,000 Black residents live within the area, which contains Oakland’s largest concentration of Black residents.

Organizers said the area has continued to demonstrate resilience despite experiencing community violence, declining investment and a significant life-expectancy gap compared with wealthier parts of the region.

The council seeks to help reshape East Oakland into a vibrant, multigenerational community where Black residents can remain, return, heal, prosper and build power. 

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Black Press

Neighborhood Empowerment Day in Deep East Oakland Brings Community Together After Recent Tragedy

Hosted by the 40×40 Council, the free, family-friendly resource fair featured health and wellness services, workshops, children’s activities, food, giveaways and local Black-owned businesses. Residents also connected with community organizations working to strengthen East Oakland.

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Vendors representing maternal health support at the 40x40 Neighborhood Empowerment Day at the Parker Community Resource Center in East Oakland. Photo by Carla Thomas.
Vendors representing maternal health support at the 40x40 Neighborhood Empowerment Day at the Parker Community Resource Center in East Oakland. Photo by Carla Thomas.

Families, residents and community organizations gathered at the Parker Community Resource Center on Saturday, Sept. 12, for the 40×40 Neighborhood Empowerment Day, transforming the site of a recent tragedy into a space for healing, resources, connection and joy.

Hosted by the 40×40 Council, the free, family-friendly resource fair featured health and wellness services, workshops, children’s activities, food, giveaways and local Black-owned businesses. Residents also connected with community organizations working to strengthen East Oakland.

The gathering came six weeks after a fatal shooting occurred at the Ney Avenue center on July 31. The violence happened shortly before 9 a.m. on the campus of the adult education center and claimed the life of 25-year-old Kimarii McLemore. A second person was injured.

McLemore was attending what was supposed to be her final day in an adult education carpentry class. The shooting deeply affected her family and traumatized students, staff members and residents who had viewed the center as a safe place where community members could pursue education, career training and a better future.

Neighborhood Empowerment Day offered residents an opportunity to return to the center in a spirit of unity and reclaim the space as an important neighborhood resource.

“Reclaiming the space after a tragedy means creating opportunities for people to gather, connect, experience joy and feel a sense of community once again,” said Tim Zenor-Davis, program manager at Roots Community Health. “After a trauma occurs, we see what happened, we acknowledge its impact, and we are continuing to show up.”

Throughout the afternoon, children and families participated in activities while residents received information about health, wellness and other community services. The event also gave local entrepreneurs and service providers an opportunity to connect with the community.

Complimentary meals included grilled burgers and tacos while a DJ played popular music. 

Guests received blood pressure and eye-sight checks. A space to exercise on yoga mats was provided while headphones with guided meditation offered a moment to slow down and reflect.

The 40×40 Council includes the Black Cultural Zone, Brotherhood of Elders Network, East Oakland Youth Development Center and Roots Community Health. Together, the organizations have worked to address community violence and the deeper systemic conditions that have affected generations of East Oakland residents.

The council’s work has extended beyond responding to individual tragedies. As part of the broader Rise East initiative, the collaborative has focused on reversing decades of economic disinvestment, systemic poverty, health disparities and the displacement of Black legacy residents.

The 40×40 area stretches from Seminary Avenue to the San Leandro border and from MacArthur Boulevard to the Bay. More than 30,000 Black residents live within the area, which contains Oakland’s largest concentration of Black residents.

Organizers said the area has continued to demonstrate resilience despite experiencing community violence, declining investment and a significant life-expectancy gap compared with wealthier parts of the region.

The council seeks to help reshape East Oakland into a vibrant, multigenerational community where Black residents can remain, return, heal, prosper and build power. 



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Black Press

Oakland Launches Aerbits Program to Identify, Report Abandoned Trash

“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”

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Aerbits founder Brian Johnson(left) and OaklandMayor Barbara Lee launch Aerbits in Oakland.
Aerbits founder Brian Johnson(left) and OaklandMayor Barbara Lee launch Aerbits in Oakland.

On Tuesday, the City of Oakland launched Aerbits, an innovative new program that deploys AI-assisted aerial imaging technology to proactively detect and report abandoned trash on streets and sidewalks – to support timely and effective removal of illegal dumping.

By shifting from a reactive, complaint-based system to data-driven proactive detection, the City can deploy cleanup resources faster, more efficiently, and more equitably to the areas in greatest need. 

Approved by both the Privacy Advisory Commission and the Oakland City Council, Aerbits is the latest addition to Oakland’s comprehensive strategy to eliminate illegal dumping from the Town.

“Oakland residents and businesses deserve clean streets and today we are one step closer to a safer, cleaner, and greener Oakland,” said Mayor Barbara Lee. “Our strategy strengthens eradication, education, and enforcement efforts across every neighborhood.

“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”

The impacts of illegal dumping on Oakland are profound, disproportionately burdening historically disinvested communities while threatening public health, safety, and economic vitality.

The City is united in taking action to remedy it – with the mayor, Council, administration, Public Works Department, community groups and more coming together to make change.

In May, the City Council approved the Illegal Dumping Expenditures Action Plan, which approves and funds multiple actions – including Aerbits – to help remedy illegal dumping.

This past June, Oakland secured $9.2 million from the Crankstart Foundation to scale up operations like Aerbits and break the cycle of illegal dumping across Oakland.

The Aerbits aerial imaging system photographs public rights-of-way to pinpoint exact locations, estimate waste volumes, and classify types of debris. This enables City dispatchers to understand the problem and efficiently deploy the appropriate crew and equipment to each site.

Built with privacy at its core, the technology contains no facial recognition, no license plate readers, and uses no personally identifying information. Aerbits takes pictures of trash – not of people.

“I founded Aerbits because I saw a major gap in the data that was available to City crews on the streets, and I wanted our children to have a cleaner environment” said Aerbits Founder Brian Johnson.

“Aerbits enables cleanups to be timelier, more effective, and more equitable. By providing real-time comprehensive data, automating the creation of work orders, and improving closure of cleared tickets, we are removing the problems that occur when relying primarily on a complaint-based system,” he said.

Aerbits is the latest milestone in the series of actions the City is taking to implement the City Council-approved Illegal Dumping Expenditures Action Plan. Recent actions taken by the City include:

  • Stricter Enforcement: Enacted a new Illegal Dumping Enforcement Ordinance increasing penalties and holding vehicle owners responsible; hired additional Environmental Enforcement Officers equipped with updated citation technology; and worked alongside State Senator Jesse Arreguin on legislation that allows the City to boot vehicles tied to repeat dumping offences. 
  • Community Resources: Reinstated the popular “Bulky Block Parties” offering residents free, convenient ways to get rid of bulky waste, alongside expanded public education campaigns.  
  • Expanded Fleet Equipment: Obtained new heavy-duty Lightning Loader trucks that allow us to clean up more volumes of debris faster than ever before. 

Rebecca Kaplan is a former City Councilmember-at-large for the City of Oakland.

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