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Downloadable Tools to Manage your Finances.

According to a recent study by Gallup, only 30% percent of the population keep a regular budget. In addition, about 10% of adult Americans have no 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. Starting a plan that will help better your credit score and help you keep track of your expenses is prudent for the following reasons.

A good plan helps you stay on top of your bills. People that do not set and maintain a budget are likely to fall behind on their bills. No one likes falling behind on their bills but it easily happens. Late payment of your bills have the effect of lowering your credit score. Late payment of bills will also result in high penalties in addition to the effect on your credit score. However, you do not to worry if you are the kind to forget when to pay your bills. The downloadable prism app will help you remember to pay all your bills on time. It is an easy process of downloading the app to your phone and linking it up 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. If you are one of these people who need a better understanding of how much their lifestyle is costing them, the ‘You Need A Budget’ app will be of great help to you. This downloadable financial solutions app helps you track your finances better. This app and software helps you identify the areas that you are overspending on and also helps you track other expenses such as rent, gas and water bills.

If you would wish to get a loan from an online lender like Bonsai finance, downloadable financial tools will be of great help. Accessing Credit cards and personal loans is made possible by Bonsai finance even if your credit score is not perfect. Its easy to get an online loan from Bonsai finance since they do not require a credit check. 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.

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