Downloadable Tools to Manage your Finances.
A recent study conducted by Gallup found that only about 30% of people set a budget regularly. The study also showed that 10% of adult Americans do not have credit history. This represents 45 million people with no credit score. Using the conventional methods, people without a good credit score find it very hard to access financial services like loans and credit cards. The following reasons make it important for you to start on a plan that will help you keep track of your spending and help improve your credit score.
Keeping up with your bills is one of the reasons. People are likely to fall behind on their bills if they do not have a budget. Falling behind on your bills is a mistake that regularly happens even though nobody likes it. If you fall behind on paying your bills, your credit score will be adversely affected. In addition to the hit on your credit score, late payments attract high fees for late payment. However, you do not need to fret if you are the kind of person that forgets their bills. There is the downloadable Prism app that will help you remember to pay all your bills on time. All that is required is for you to download the app to your phone and then link it with the account that you use to pay the bills. When a bill is available or due, the app will remind you. What makes it even better is that the app is free.
You will also find the downloadable financial tools very helpful if you have problems budgeting. Most people are unsure of where their money goes. The ‘You Need a Budget’ app will be of great help to you if need to better understand how much your lifestyle is costing them. This downloadable financial solutions app helps you track your finances better. The app and software keeps track of your spending on groceries, rent, water and gas bills and also helps you know where you are overspending.
To get a loan from an online lender like Bonsai finance, you will need to have downloadable financial tools on your phone or computer. Accessing Credit cards and personal loans is made possible by Bonsai finance even if your credit score is not perfect. A credit check is not required when applying for a loan from Bonsai Finance, making it easy for those with a bad credit score. Bonsai Finance uses a software that is easy to use. The FAQ section of the Bonsai Finance app is very helpful to those visiting for the first time. Using the downloadable app from Bonsai app you can easily get an online loan.