"Apps that specialize in budgeting make the job more efficient and more accurate than doing it on paper. The reason is that they use your spending history rather than guesswork. They look back at the past few months of transactions across your credit cards, Venmo, checking account, and other financial accounts and classify every dollar you spent into categories. The result is a clear picture of how you typically spend your money, which gives you a realistic starting point for creating budgets."
"Save more money. That was the most popular New Year's resolution in 2025 and the second most popular in 2026, according to Statista. I'm not a financial expert, and this is not financial advice. That said, many reputable financial resources say maxing out your annual IRA contribution as early as possible each year ensures you reap the full benefits of compounding interest. For 2026, the limit on annual contributions has increased to $7,500 for people younger than 50,"
Begin the year—after the holiday spending crunch and before tax season—as a time to complete routine personal finance tasks and plan annual travel and expenses. Review last year's spending and decide where money should go in the months ahead. Use personal finance apps to create budgets based on actual transaction history across credit cards, Venmo, checking accounts, and other accounts; apps categorize spending and produce realistic budget starting points. Recommended apps include Copilot Money, YNAB, and Quicken Simplifi. Track spending in real time to receive warnings as category limits approach. Max out annual IRA contributions early to maximize compounding; the 2026 limit increased to $7,500 for people younger than 50.
Read at WIRED
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