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Top 5 budgeting tools in 2020

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If you find it hard to manage your spending and keeping your personal finances under control, you may need a budgeting tool to help you with that. Nowadays, there are many budgeting apps in the market for you to choose, which makes it even more difficult to pick one. You can try some of them to know which one is best for you. One app focuses on personal budgeting tools, while the other helps to track bills. One is special about giving the ability to assign each dollar, creating a total money management system. These tools will also send you warnings when you are about to overspend. 

There are a lot of things you need to control if you want to manage your budget, such as money management, personal finance… If you cannot decide which tools will be best for you, keep reading this article because here we sort out the best budgeting tools for you. 

Mint

Mint is one of the first and most popular budgeting apps in the market. Managed by Intuit, the same company that founds Quickbooks and TurboTax, Mint provides many features to help you track and control your money from a large number of banks, credit card issuers, brokerages, lenders, and other financial institutions. It has many useful features, the most beneficial is its budgeting tools, which is put right in the front and center when you sign in. Mint automatically classifies transactions from connected credit and debit cards and tracks them according to the budget you can adjust and customize to your demands. 

It will also notify when the amount of money you spend exceeds your budget, track your spending by category, or check out your total cash flow to get a complete picture of where you spend your money every month. 

You Need A Budget

You Need A Budget is really popular right now with a lot of fans calling it YNAB. You Need a Budget is really special compared to other budgeting tools. Because it doesn’t count on traditional budgeting buckets but you can make your budget depending on your income, giving every dollar a job in your budget. By jobs, I mean everything including living expenses to debt payments, savings, or investments. This way you cannot leave any money unaccounted so that you have to think carefully about every dollar you earn and spend. 

This app is ideal for both individuals and couples managing their budgets together. It comes with desktop and mobile interfaces and allows you to sync your bank accounts automatically or enter expenses manually, and the ability to track debt payoff and goal so that you will be encouraged to reach your money goals. 

Wally

Wally is not so easy to use when compared to other tools on this list, but it really does a good job in budgeting. With this tool, you can easily track your income and expenses because it gives you a snapshot of your remaining budget so that you won’t overspend. This app is more popular with Millenials because it is free to use and provides both IOS and Android versions. Another amazing thing of Wally is its built-in support for most of all foreign currencies, which makes people who don’t live in the US tend to choose it. 

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PocketGuard

As it’s called, PocketGuard will guard your pocket so that you won’t be overspending. This budgeting app can connect to all of your financial accounts and helps you track how much money you are spending compared to the money you earn during the month. What makes this app a good option is that it is easy to set up and link to your bank accounts. It tells you how much you are earning, follows what you are spending on recurring bills and everyday expenses, and tracks deposits in your saving account in a period of time.

This budgeting tool allows you to keep track of each individual bill and find chances to save. PocketGuard checks out everything for you from recurring bills from phone to TV, and Internet companies and helps you find a better deal on your monthly service fees. It doesn’t only help you keep track of your budget, but it also helps you reduce your spending. You can also check out some of the best mobile coupon apps to save money in 2020 to save even more. 

Goodbudget

Firstly known as Easy Envelope Budget Aid or EEBA, it was then changed to Goodbudget with the main feature of helping people share their budgeting process together. It takes advantage of the familiar envelope budgeting philosophy to manage your proactive budget for all of your bills and spending. 

Since you can easily share and sync budgets with budgeting partners across the iPhone and Android spectrum, this tool is ideal for couples who want to share finances, while being good for individuals too. This app is best to use on your smartphone, if you don’t have one, you can check out phone deals on special occasions to save money on a smartphone. When you put new transactions to this tool, you can choose to add a few details, dividing your expenses into many envelopes. You can manage your budget easily by category with up to 10 envelopes with no charge. Add money to your budget from your income and you will know how much money you have left so that you won’t spend money on unnecessary things. 


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Netflix loses $19 billion in market value, cites weak subscriber growth

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Netflix stock fell by 8 per cent on Friday, recording a loss of $19 billion for the video-streaming giant’s market capitalization. The revenues fell despite subscriber growth predictions in the quarter.

According to the company, the decline is due to the struggling subscriber growth projected by the company in the second quarter.

The company’s earnings per share (EPS) were $1.59 which was less the projected figure of $1.81. It also posted revenue earnings of  $6.15 billion higher than the projected $6.08 billion, according to Refinitiv. Also recording Global paid net subscriber additions of 10.09 million.

In Q1, Netflix’s revenues grew by 25 per cent. Netflix reported $1.57 Earnings Per Share (EPS) $5.77 billion in revenue and 15.77 million global paid net subscriber additions. The revenues in Q2 were average considering the surge in subscribers.

Its EPS figure was also below the projected $1.81 a $0.24 rise from the Q1 figure which was reported at $1.57. The earnings release also dropped because Netflix had expected to add only 2.5 million subscribers this quarter, or less than half of what Wall Street expected.

Going forward in 2020, the company does not project its slate of content to be significantly impacted by production shutdowns created by the pandemic. It expects that current production setbacks will push more of its big titles to the end of 2021, but that the “total number of originals for the full year will still be higher than 2020.” Netflix plans to supplement its original content with other films and shows it’s acquired.

The company also slashed its marketing costs by 28 per cent and spent less on content production as television and movie sets were shut down. The upshot was a 92 per cent increase in the operating income and a 163 per cent rise in earnings per share, to $1.63.

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Netflix co-CEOs Reed Hastings and Ted Sarandos also said in a letter to shareholders that they anticipated a year-on-year slowdown because the pandemic pulled forward demand and new seasons of “Stranger Things” and “Money Heist” that had inflated subscriber growth in the third quarter of 2019.

So far, it has resumed some production in Europe as well as two stop-motion animation projects in Oregon and two films in California. But the company still warns that current infection trends create more uncertainty for the productions in the US.

Adding that it’s made the most progress resuming production in the Asia Pacific and never fully shut down in Korea.

“Parts of the world like India and some of Latin America are also more challenging and we are hoping to restart later in the year in these regions.” the company said.

Netflix provided third-quarter revenue guidance of $6.33 billion. It expects third-quarter earnings of $2.09 per share, above analyst estimates of $2.01. The company also expects 2.5 million net subscriber additions for the third quarter, while analysts were expecting 5.27 million.


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Facebook rolls out screen sharing feature on Messenger

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Facebook Messenger has introduced a screen sharing feature for its Android and iOs users for up to 16 participants on a group call. The feature can be accessed on the web and desktop via messenger rooms.

According to Facebook “the new feature makes it easy for people to stay connected and close with their loved ones, even when  physically apart.”

While at it, users can still scroll through camera rolls with everyone whom they have shared the screen with and continue with their separate activities like online shopping and checking other social media accounts altogether

Just like Zoom, Users on the Messenger app will be able to share their screens with their friends. Messenger Rooms can have up to 16 people on a group video call on desktop and also share screen to all 16 group members at a time.

Facebook also announced plans to expand the number of people with whom you can share your screen with up to 50 participants. The company is also planning on adding some control features soon that would let Messenger Rooms creators decide whether to limit the ability to share screen to themselves or allow all participants to do the same.

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Reportedly, Facebook is also working on plans for integrating its Messenger app with WhatsApp. Notable leaker Wabetainfo.com suggested a possible integration that the company might be working on and will be due for release soon.

The post goes ahead to confirm that the process very complicated feature and it requires so much time. So there are equal chances of the integration happening and not happening.

 


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5 Best Online Cooking Guides For The Beginner Cook

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Cooking can sometimes be a real pain. This is especially true when you are new to the entire process and coming home from a long day of work. This is not to even mention the fact that it can be time-consuming and expensive. Preparing the ingredients, putting them in the pots, measuring them out, and the rest of the prep work is just half the battle. You also have to consider the trip to the store to get the ingredients. There is no denying that the entire process can be overwhelming, especially for beginners. However, it doesn’t always have to be this way when you take advantage of the right dishes and guides. There are some dishes and guides that’ll make the process easier while teaching you the basics at the same time.

One-Pot Turkey Chili

This is a delectable dish that will teach you how to use the spices that you already have to ramp up the flavor. This is an invaluable skill that you’ll use over and over again as a cook. When all said and done, you’ll have a hearty, flavorful chili packed with tons of nutritious protein and fiber thanks to the ground turkey and the kidney beans. These are the two essentials, but you can customize the rest of the dish with your favorite toppings. All you have to do is chop the veggies, brown the meat, add your spices, and then let everything simmer. Everything literally cooks right in the same pot and the only other tools you need are a knife, stirring spoon, and can opener.

Lighter Alfredo Pasta

Who doesn’t love Alfredo pasta? How about a lighter, healthier version? That’s exactly what you’ll get when you take advantage of this pan sauce. Sauces are the heart of most pasta dishes and learning to make those sauces will take your cooking game to the next level. This recipe will utilize a Parmesan-based sauce with a bit of chicken broth and fresh greens. The real key here is the perfectly sauteed, golden-brown mushrooms. They are not only budget-friendly, but they are an excellent way to add depth to your entire dish with the cost of additional meat.

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Instant Pot Sausage And Potatoes

The key cooking is learning to utilize flavors. You have to take the flavors you are presented with and learn to make the mesh with what you have. That’s what this recipe on Corrie Cooks will teach you to do. Its a quick and comforting dish that consists of sausages and potatoes. Two main ingredients that go well with a variety of flavors, so you’ll literally have plenty of room to experiment if you choose to do so. You can stick straight to the recipe as well if you choose to.

Super Tender, Spicy Pork

Did you know that you could use a slow cooker to make some of the most tender meat known to man? A lot of cooks don’t know this, but you can. And, what’s so great about this dish is that it will not only teach you how to make super, soft pork, but it’ll make you a more versatile cook. This pork can be used to make tacos, you can stuff it in pitas, you can pile it over nachos, or you can eat it between two pieces of bread.

Sweet Potato Frittata

Speaking of versatility, there is nothing more versatile than making breakfast for dinner. You’ll be able to do just that when you learn to make sweet potato frittata. It’s a simple but complex one-pan egg dish that’s hearty enough to eat for dinner, but perfect for breakfast. In fact, it is just eggs, vegetables, and cheese, so its possibly one of the cheapest dinners you’ll ever make.


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