4 apps to help your 2018 financial resolutions stick

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If you’re struggling to stick to your New Year’s resolutions, join the club. It seems like nearly everyone falls off the resolution wagon during the year, but that’s especially true when it comes to big goals like losing weight or saving more money.

So what do you do? Use technology to make it easy. We've paired an app with four of the main financial goals people set to help you get started.

Invest more: Acorns

Acorns can help you reach your investing goals simply by connecting with your credit cards. Every time you make a purchase, the app rounds up the amount and invests the difference for you in one of the 7,000 diversified stocks and bonds Acorns works with. You likely won't notice the missing pocket change, but your investments will grow the more you use your cards.

This app is easy to use and may cost as little as $1 per month. College students with a valid .edu email address can also score four years of this service for free.

Want more investing ideas? Check out these ways to invest in 2018 in five minutes or less.

Cut back on wasteful spending: Mint

Mint is a powerful financial app that can help you monitor your spending and stay on track with your savings goals. The free version lets you create budgets, track and manage bills, and monitor your credit score.

The best part of this app is seeing exactly what you’re spending and where. By knowing how your spending plays out, you can also spot harmful trends and change them for the better. You can even create savings goals and use the app to hatch realistic plans to reach them.

Pro tip: Use some of the money findings to bankroll your financial protection plan.

Set a budget: You Need a Budget (YNAB)

The YNAB app helps you gain total control of your money by having you “give each dollar a job.” This app uses zero-sum budgeting, which has you plan this month’s spending based on last month’s income.

By living on last month’s income (aka money you already have), you’re more intentional with your money, while eliminating waste and boosting your savings rate. This app is free for 34 days, then it costs $6.99 per month. But take note: Users say the app helps them save an average of $600 by month two and $6,000 the first year.

Save more cash: Digit

Once you connect your bank account to Digit, it analyzes your spending and bills to determine how much you should be saving every month. From there, the technology saves an ideal amount of money for you, actively moving money from your checking to your savings account on your behalf.

With Digit, you’ll earn 1% interest on your savings, which gets paid out every three months. While that’s not a huge percentage, this is higher than you’ll get with many high interest savings accounts.

You can try Digit free for 100 days. After that, you pay $2.99 per month.

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