Thursday, July 19, 2018

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How to find motivation when you​​ are totally burnt out


I was weeping in bed for the third time that week and I’ve never been a crier. But eight months after having my daughter, and four months after going back to work, the motivation and energy I’d originally felt returning to my job had completely subsided and I’d hit a wall of fatigue and exhaustion of epic proportions.
As I sat there red faced and sobbing in my pajamas (a great look for me), my poor husband laid there staring at the wall, not sure what to say at this point. He’d already told me I should leave my job multiple times during previous crying sessions. But instead of feeling relieved by his blessing, it only made me feel guiltier and cry even more.
I could never quit, I thought to myself. What if he’d resent me for not bringing in income eventually? I was afraid of being perceived as lazy. Plus we live in an area of the country that pretty much requires dual incomes to live comfortably. How could I leave a steady paycheck and put that kind of pressure on him? Plus I had some people’s dream job! Why couldn’t I just be more grateful!
So I cried. Because I felt trapped. Because I felt so tired but couldn’t not be a mom, or work, or keep showing up in my life. But I felt like I was failing at all of it and in that moment I just wanted to disappear.

Burnt out? You’re not alone.

Have you been there–so burnt out and exhausted that it’s hard to remember a time when you were bright eyed and optimistic, motivated to take on the world?
If you’re feeling tired and lost and have still found your way to this article, I already know two things about you:
  • You’re more motivated than you think you are; and
  • You’re going to come out on top.
How do I know this? Because you’re burnt out enough to read an article about burn out but you still found the motivation to find it and read it. You’re actively taking action to stay motivated, which actually means you are motivated! Yay you!
Now that we’ve established you are motivated to get to a more energized place, let’s get down to the practical strategies I applied to pull myself out of my epic rut so you can start applying them to your own life ASAP.

How I get motivated with “The Princess Bride” Strategy

When I think about my experience with burn out, I can’t help but get a visual of when the hero Wesley is declared “mostly dead” in the classic 80’s movie The Princess Bride.[1]
(If you haven’t seen the Princess Bride, keep reading because it’s not critical to understanding the strategies. But, also, it’s a classic, please see the movie! Sounds like you could use a break anyway!)
In case you haven’t seen the movie, let’s set the scene: Our hero Wesley is flat on his back, seemingly lifeless with heavy limbs and no strength left in his body after being tortured to (almost) dead. Hope is bleak. It this point it seems impossible he has any fight left in him to take on his nemesis Prince Humperdink and rescue his lady love Buttercup.
But with the remaining air in his lungs, he mutters two words: True love.
This leads us to the first strategy for finding motivation even when you’re completely burnt out:

1. Focus on your true love

Our hero Wesley had one thing that motivated all of his actions, Princess Buttercup: His true love.
If you really think about it, the same is true for you. Whether it’s an actual person (or people) or a passion, remember your WHY.
What is your reason for rising from this rut? Who or what was your motivation for reading this article? There’s something driving you to not stay stuck. There are some people who are counting on you or some mission that’s bigger than you that provide a clear purpose for everything you do.
All of your efforts should be focused on your true love and getting back to being the person who can show up for that noble cause.
Knowing your true love is your compass. Whenever you’re feeling lost or uninspired, remembering the people or passion that make you uniquely you gives you that sense of purpose that you need to feel motivated to rise, even when you feel like you have nothing left.
In my case, I had to eventually realize that my true love (my husband) wanted his true love back–not this sobbing, miserable zombie I’d become. Like the old adage goes, “Happy wife, happy life.”
When I realized that my complete lack of motivation and burn out was really affecting him, I knew it was time to get to the root of what was really wrong which leads us to step 2:

2. Identify your true adversary (and focus your limited energy there)

There’s always someone or something that has to be defeated in every hero’s journey. In the case of our hero Wesley, he had to defeat Prince Humperdink in order to rescue his true love Buttercup. This singular mission helped him reserve his energy for the most critical moment, when he finally met Humperdink face to face.
In the case of your burn out, there is most likely a root cause that has to be addressed in order to reclaim your motivation. Getting clear on what that is will prevent you from running around trying to fix every aspect of your life and allow you to simply focus on the one or two things that are really the reason everything’s feeling so hard.
When you’re truly burnt out it’s likely that it’s negatively impacted multiple areas of your life so it may feel impossible to identify the root cause of your struggles at the moment. I know I felt that way.
My health was the worst it had ever been, my social life was bleak because I didn’t have the energy for fun or making plans, my career was stressing me out, being a new mom was hard… and so on.
Here’s my advice on how to get the root cause of your burn out: Do a gut check. What are the first 3 reasons that you think have caused you to burn out? What were the first things that popped into your mind? Write them down!
If you’re stuck, you can also rank each of the following categories of your life from 1-10 (10 being awesome, 1 being awful):
  • Career
  • Family
  • Friends
  • Money
  • Contribution
  • Personal Growth
  • Spiritual Life
  • Health
  • Romance
  • Fun
The aspects of your life with the lowest numbers should help you identify the true root cause of your burn out.
Ask yourself, why is that area a 1? One way to really figure out what’s wrong is to imagine what a 10 would be to you in that area. For example, if you rank your job a 2, what would a 10 be to you? Describe it in as much detail as possible and compare it to your current situation.
For example, maybe your 10 job would be remote but your current job forces you to commute and travel constantly. This has the potential to affect every area of your life but really, the solution to most of your woes is to get a job that lets you work from home and doesn’t require so much travel.
When you’re clear on what’s not working, you can start to see a way out, which leads us to step 3:

3. Remember you’re the hero

It would have been easy for Wesley to play the victim. After all, he literally was tortured to death and endured unimaginable pain in the Pit of Despair.
But instead of focusing on what had happened to him in the past, as soon as Wesley was brought back to life, he focused on what needed to be done in order to get his girl. He remembered he was the hero, despite how things may have felt or appeared in the moment.
When we’re burnt out, it’s easy to want to play the blame game or feel victimized by our circumstances. I’ve been there.
The thing is that isn’t motivating because it prevents us from having any agency or creative point of view on our situation.
If anything is going to change in our life, we have to always remember that we’re the hero of our own stories. Despite what circumstances come at us, our responses are 100% our responsibility.
In my case, I knew the commute and stress from my job was one of the major sources of my burn out. I also knew something was wrong with my health but didn’t have any answers or solutions yet. What was clear was that the stress I was feeling wasn’t going to get any better if I kept doing what I was doing.
What I really wanted to do was leave my job and start my own business from home. But it felt too selfish. Even though my husband told me to leave my job, for some reason I still felt the obligation to make myself a living sacrifice for our family.
But one night after weeks of having to take naps in the mother’s room at work just to make it through the day, it dawned on me that I was the reason I was miserable.
I’d convinced myself that my husband didn’t mean what he said, that I had to stay at my job for him; but the truth was I had to give myself permission to make the changes I needed to make to be happier. He’d already done that! The only thing trapping me was… me.
I had to save myself. He couldn’t fix my health. He couldn’t resign for me. I had to do the work and perhaps I was using him as an excuse because in admitting I needed a break or help, in my mind I was admitting weakness.
I was afraid to be that vulnerable and to ask for and expect his complete love and support when I wasn’t “working for it”. I was more comfortable playing the victim of my circumstances and falling on my noble sword because somehow in my mind it made me feel strong.
Can you relate? If so, take the time to answer these questions:
  • If you’re honest with yourself, have you been playing the Hero or the Victim of your story?
  • Claiming your role of hero, what’s your next play?
  • What are you secretly wanting permission for that you need to grant yourself?
Once you take complete responsibility for your circumstances and for saving yourself, there’s another key thing you’ll need:

4. Accept help from your friends

Our hero Wesley was “mostly dead” and unable to walk, feed himself or hold his head up when his friends Inigo and Fezzik found him. If it wasn’t for them, he would have died in the Pit of Despair. But they held him up, found Miracle Max, advocated for a remedy and carried him on their backs until he could stand on his own again.
My story is no different. In order to find my motivation again and recover from burn out it required me to rely on my husband more than I ever had before. It also required doctors, life coaches and the support of friends and family.
It required me to give up my attachment to being tough and not needing help. But at the end of the day, I figured out my happiness and being fully honest with myself about my limitations was the only way to have what I really wanted: Myself back.
You are the hero and you’re also human. None of us can do this on our own, nor are we supposed to. When you’re burnt out, it’s important to ask for help and seek out a support system while you find your way back to yourself.

Stop ignoring your burnout

Remember, burn out happens to all of us from time to time. Sometimes finding your motivation again requires making a huge life change, as in my case. But sometimes it can be fixed with a new habit as simple as shutting down your computer, putting your phone out of sight and giving yourself some down time.
My burn out was severe and it took overhauling my entire life to dig my way out. But I’m so much more motivated, re-energized and happier for it.
If you’re feeling overwhelmed with all of the responsibilities on your plate and with all of things you’re thinking you need to change, remember to focus on the ONE thing that’s going to make the biggest impact.
My thing was leaving my full time job. Which, after months stressing about it, was accomplished in one 10 minute conversation with my manager. And as soon as I did it I instantly felt more motivated and relieved.
Save your precious energy for only doing the things that truly matter right now and your motivation will start coming back sooner than you thought possible.
And maybe, just maybe, all you really need at the end of the day is some good R&R and couch time with a good 80’s movie.

13 Bad habits you need to quit right away

Creating your productivity ritual — a routine that helps you to maintain a peak level of energy can get you the best out of your days.
Part of creating your productivity routine involves removing activities that drain you (what I call “kryptonites”), and that includes your bad habits.
Like it or not, bad habits are bad for you — mentally, physically, emotionally and even socially in some cases. While some bad habits are harder to quit than others, it doesn’t change the fact that you need to get rid of them. Here are 13 bad habits to quit right away:

1. Stress eating

I used to be a serious stress eater. I would eat whenever I felt unhappy, stressed, disappointed, anxious, or even… happy! My eating had nothing to do with being hungry, and everything to do with using food to fill my emotional voids.
While eating would comfort me, this feeling was momentary and would disappear right after I was done eating. Instead, what I had left would be the same emotional void that triggered me to eat in the first place (be it unhappiness or stress), a 2,000 excess calorie intake over what I should have eaten for the day, and anger at myself for having stress ate.
I’ve since overcome stress eating. I have healthy eating habits and a healthy relationship with food today where I no longer use food as a tool to fill my emotions.
If you are a stress eater, don’t fret — here’s how to manage your stress better:

2. Nail biting

Not only is nail biting unhygienic, it is also socially repelling, leads to dental problems like malocclusion of the anterior teeth,[1] potentially cause stomach problems,[2] and lead to severely deformed fingernails in the long run.
People who bite their nails tend to have shorter nails than the average person; their nail plates also experience scarring and may eventually become absent.[3]
Understand what triggers your nail biting behavior and replace it with another neutral to positive habit. Make habits to break habits.
For example, if you bite your nails when you are stressed, go for a walk or listen to music instead the next time you feel stressed.

3. Hanging out with naysayers

We all know these people — people who play devil’s advocate to every idea you have and every goal you want to pursue. We are already our greatest self-critics, so it doesn’t help when there’s someone beside us, ever ready to pounce on what we say and tear it down.
Hang out less with these naysayers and spend more time with supportive people who share constructive feedback instead. You will be much happier this way.
Learn how to get rid of naysayers with these 10 Ways to Ignore the Naysayers and Achieve Your Dreams.

4. Being with people who don’t appreciate you

Haven’t all of us been in this situation before? Trying to please people who don’t appreciate us? Bending over backwards to be there for people when they are never there for us?
While we give without expectations of return, we need to draw a line with people who don’t value us because these people damage our souls.
Stop spending time with people who don’t appreciate you, and spend more time with people who do instead.
Unsure who you should get rid of? Learn about it here:

5. Smoking

Smoking is one of the leading causes of preventable death globally.[4]
In just the United States alone, about 500,000 deaths are attributed to smoking-related diseases annually. A recent study estimated that as much as one-third of China’s male population will have significantly shortened life-spans due to smoking! Gender-wise, male and female smokers lose an average of 13.2 and 14.5 years of life respectively — that’s over a decade of life right there.[5]
Not only that, smoking causes pre-mature skin aging (i.e. wrinkles), yellowing of teeth, bad breath, and worse of all — jeopardy of the health of people around you, including your loved ones. Studies have shown that non-smokers exposed to second-hand smoke are at risk to many of the health problems associated with direct smoking.[6]
Smoking risks

6. Excessive drinking

All of us know that drinking too much alcohol is bad for us, but do you know how bad it really is? According to the National Institute on Alcohol Abuse and Alcoholism, drinking too much — be it on a single occasion or over time — can seriously damage your health:[7]
  • Brain problems: Alcohol interferes with the brain’s communication pathways, making it harder to think clearly and move with coordination.
  • Heart diseases: Cardiomyopathy – Stretching and drooping of heart muscle, Arrhythmias – Irregular heart beat, stroke, high blood pressure
  • Liver diseases: Steatosis or fatty liver, alcoholic hepatitis, fibrosis, cirrhosis
  • Pancreas problems: Pancreatitis, a dangerous inflammation and swelling of the blood vessels in the pancreas that prevents proper digestion.
  • Different types of cancer: Mouth, esophagus, throat, liver, breast
If you drink a lot, perhaps cutting it out right away will be tough. Cut down the number of glasses you drink each time, followed by the number of times you drink a week.
If need be, seek help from an AA group — you aren’t alone in this. Change starts from today.

7. Eating junk food (including diet soda)

Junk food — they are everywhere in our society today. From McDonald’s, to KFC, to Burger King, to 24-hour takeouts, junk food such as fries, highly processed burgers and sodas has become a staple in our society today.
If you think, “Hey, but junk food is tasty!”, think again: A study by Paul Johnson and Paul Kenny suggests that junk food consumption alters brain activity in a way similar to addictive drugs like cocaine and heroin.[8]
“After many weeks with unlimited access to junk food, the pleasure centers of rat brains became desensitized, requiring more food for pleasure.”
And you wonder why you seem to crave fast food when you just had some the day before?
While it may not be possible to remove junk food completely from our diet right away, we can reduce our junk food consumption starting today. Instead of soda, opt for a fruit juice (fresh juice, not the carbonated kind) or mineral water. Instead of fries, switch to mashed potato, a salad, or rice (many food outlets allow for this today). Instead of a fried meat patty, go for a grilled one.
Where possible, opt for healthy food joints like salad bars and delis as opposed to fast food outlets. Every little step goes a long way.
Here’re some healthy snacks ideas for you:

8. Eating too much red meat

There has been conclusive evidence that consumption of red meat increases the risk of colorectal cancer, and suggestive evidence that it increases the risk of oesophageal cancer, lung cancer, pancreatic cancer, and endometrial cancer.
In addition, some studies have linked consumption of large quantities of red meat with breast cancer, stomach cancer, lymphoma, bladder cancer, lung cancer and prostate cancer![9]
Personally I’m a vegetarian so I don’t consume red meat, but for those of you who consume red meat, do watch out and limit your intake — better still, cut it out of your diet. World Cancer Research Fund recommends limiting intake of red meat to less than 300g (11 oz) cooked weight per week, “very little, if any of which to be processed.”
Of if you’re thinking about becoming a vegetarian, check out this guide:

9. Watching too much TV

I stopped watching TV since eight years ago and I have never regretted it. Every once in a while I will switch on the telly to see what is on, and then I will switch it off because it’s just the same boring shtick over and over again.
Watching TV, particularly well-written dramas, can be a good way to unwind. However, remember that TV isn’t your life. Spending three hours every night watching TV will not change your life for the better. Rather, using that time to reflect on your life, take stock, and take action on your goals will.
It’s not easy to remove TV from your daily routine right away, but follow these 6 Steps To Remove TV From Your Life.

10. Being late

Not only is being late being rude to others, it also means that you’re always rushing from one place to another, playing catch up in your agenda, and having to apologize to every person you meet.
Stop being late and not being punctual, but practice being early instead. Target to arrive 15 minutes earlier before any appointment and bring along something to do in those 15 minutes (or longer if the other person turns out to be late). Then you can stop playing catch up and stay ahead in life.
Learn more tips about how to be more punctual here:

11. Being in bad relationships

Are you always dating the wrong guys/girls? Do you end up with jerks all the time? Well, you may not be able to stop yourself from meeting jerks but you can certainly stop yourself from furthering contact with them, spending time with them, or even… entering into a relationship with them.
I used to invest myself in this guy who was nothing but toxic for me. After a good five months of experiencing nothing but getting burned over and over again, I realized that he was a total waste of my time and I deserved better. I decided to cut him off, and it was soon after that I met my soulmate.
Learn about why you shouldn’t stay in a bad relationship and how to deal with it if you’re in one:

12. Leaving things to the last minute

Burning the midnight oil isn’t fun — it’s exhausting. Those of you who got through college by burning the midnight oil would have learned this the hard way. Not only is it damaging for your body, it is also mentally draining as you’re constantly in a hyper-tense mode, feeling anxious about whether you can finish your work on time.
Start today on a new note. Rather than react to your deadlines, be proactive about them by planning ahead, identifying what needs to be done for the week, and getting things done in advance.
By staying ahead of your tasks, you can also use your extra time to plan ahead in your life and get more things done.
Take a look at this guide and learn how to stop procrastinating:

13. Focusing on the negatives

In every situation, there are two ways you can react: zoom down to the problem areas and crib about how things aren’t the way you want, or celebrate the areas that are going well and work on making everything better.
Many of us see the importance of doing the latter but in practice, we do the former. Why though? Criticizing and focusing on the negatives is easy but it doesn’t empower nor inspire us to be better.
Make a change — for every negative encounter you run into, I challenge you to identify three things that are good about it. Practice doing this for one week, and by the end of the week you’ll find that your first instinct is to think positive, not negative.
There’re even more ways to stay positive:
So here you find the 13 most common bad habits and their consequences on your mind and body. The good news’ you can quit them all.
Just spot out your own bad habits and take my suggestions to quit them. Then you’ll find your life a lot healthier and happier!
Need more tips to break your bad habits? Lifehack’s CEO has some exclusive techniques to break bad habits:

What is positive thinking

Positive thinking doesn’t mean that you live in a world of rainbows and unicorns, where you ignore life’s less pleasant situations. Positive thinking means that you respond to uncomfortable or unpleasant situations in a more positive and optimistic way.
Positive thinking will let you do everything better than negative thinking will. ~ Zig Ziglar
Our mind is our greatest tool and ally or opponent when it comes to achieving our success goals. We all have a constant flow of thoughts in our minds, which is basically the self-talk that runs our lives. If the majority of our thoughts are negative, it means that our outlook on life is more pessimistic. On the other hand, if our predominant thoughts are positive, we are optimistics.
The good news is if you think you’re not that optimistic, positive thinking skills can be learned!

Common stories that people tell themselves that limit their potential

As I mentioned before, the stories we tell ourselves will determine our experiences and could open or close doors to opportunities we have both personally and professionally.
When we choose to tell ourselves stories using the lens of negative or limiting self-talk, we will limit our career’s potential. Here are some of the most common stories:

“I can’t”

When people are facing a big decision like applying for a promotion, considering a career change or even leaving a job to do work that feels more fulfilling, they will come up with a lot of reasons why they can’t make that decision. And these reasons will feel absolutely authentic and true.
But if they allowed themselves to dig a little deeper and see what’s behind the “I can’t”, they would find that one of the true main reasons behind it is fear – fear of stepping outside of their comfort zone, fear of taking a risk, fear of not having what it takes, fear of losing the security of what’s known.
This could stem from previous events. But here’s the thing: just because we had bad events that happened to us in the past, it doesn’t mean that it will be pervasive and that making a new decision will undermine everything we do.

“I don’t have time”

A quote by Steven Covey says,
“Most of us spend too much time on what is urgent and not enough time on what is important.”
Many people struggle with time management and the truth is that we can’t manage time. We can, however, manage our choices, priorities and energy. Maybe they’re telling themselves “I don’t have time” because deep down they don’t want change due to fear. Or maybe they need to get clarity on how satisfied they are with their situation and how that’s affecting their capacity to move forward.
We all need to take personal and energetic responsibility because at the end of the day, the lives that we’re living now are the direct results of our own creation.

“It can work for others, not for me”

This thought comes from thinking that “They are not enough”. By believing this they are catastrophizing and anticipating the worst without even giving the opportunity a try. Fear of failure is behind it and they could be thinking about how their life would change and what would other people say or think of them if they failed.
When they think “It can work for others, not for me”, it really relates to low self esteem. But even if they don’t have the skills or tools to achieve what they want now, they are always good enough and worthy of what they want.
The truth is that we all face fear of failure at some point, it’s natural. But we have to understand that there is no learning if there’s no failing. Failing is part of success and growth. We just have to face the fear, take a step forward and be open to see the lessons from the experience or situation.

How the power of positive thinking improve your career

A study conducted by Barbara Fredrickson, a positive psychology researcher at the University of North Carolina, indicated that people should cultivate positive emotions and thoughts in their own lives and in the lives of those around them; not just because doing so makes them feel good in the moment, but also because doing so transforms people for the better and sets them on paths toward flourishing and healthy longevity.
When positive emotions are in short supply, people get stuck.
You cannot have a positive life and a negative mind. ~ Joyce Meyer
Many experts agree that those who cultivate a positive attitude greatly enhance their chances of professional advancement. Here are some of the most common benefits of positive thinking on your career:
  • It will help you engage with others more effectively and get along better with your colleagues.
  • You will get support more easily for your initiatives.
  • It will highlight you as a role model (positive attitude is a magnet).
  • It will inspire others around you to shift toward the positive.
  • It will help you be more productive.
  • It will help you see possibility where others only see problems.
  • It will help you see your achievements and accomplishments rather than focusing on your failures.
  • It will help you manage stress at work more efficiently.
  • It will help you become more resilient and bounce back faster.

How to start applying positive thinking in your life

When we start to have negative thoughts, it can be hard to stop them. We have all been there at some point. Shifting our focus to positive thoughts is the only way to avoid going down a spiral that will not bring positive results.
Here are some of the things I have done to shift my negative thoughts that you can also try:

1. Meditate

Meditation helps to reduce stress and anxiety levels and will help you stay in the present moment and find peace within. Meditation is a great practice to have in the morning, so you can start your day grounded and present.
If you have never meditated and would like to give it a try, here’s The Guided Morning Meditation for Beginners.

2. Start the day on a positive note

Besides meditation, reading or listening to something inspirational helps set the tone to the rest of your day. You can also do some affirmations like “Today is going to be an amazing day”.

3. Create a list of at least 3 things you’re grateful for

Gratitude helps you realize all the good and positive things you already have in your life (it doesn’t matter how small they are). Feeling grateful helps you stay grounded in the present moment. There is no way you can be grateful and negative at the same time.
Try these 40 Simple Ways To Practice Gratitude if you need some ideas to feel grateful for.

4. Surround yourself with positive people

If you ever feel stuck in a negative loop, call someone you trust — someone who can help you put things into perspective and will not feed the negativity.
You can spot out the differences between positive people and negative people easily. Stick with the positive people and get rid of the negative ones.

5. Shift negative self-talk into positive self-talk

Our negative self-talk can be so engrained in us that it can be hard to become aware of it. It’s easy to dwell in our mistakes and beat ourselves up.
When you catch yourself doing this, just pause for a couple of minutes, take a couple of deep breaths and start replacing those negative stories with more positive ones.
For example: replace “I’m so bad at doing _____ with “I’m getting better and better everyday”, or “I know that the more I practice, the better I’ll get at it”, or “It didn’t work out as planned but if I try again, I will see improvement”.

Practice positivity consistently

Here’s the thing: No one is perfect, we are all peers in this human experience, and we’re always learning. The only thing we can do is learn from our mistakes and keep moving forward.
If you tend to have a negative outlook, don’t expect to become an optimist overnight. I can assure you that with practice and consistency, your self-talk will start shifting to more self-acceptance and acceptance of others.
Additionally, when you’re optimistic, it will be easier to handle stress in a more constructive and productive way.

Top 10 Recommendations Money Management Apps

Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!
The solution is simple, save more and spend less. But, we all know it’s easier said than done.
One problem is finding quality apps that save you time and money, and aren’t just hype.
Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.
Here are some of its main features:
  • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
  • Discover hidden fees and how much they’re affecting your retirement plan
  • Wealth management for investors requiring a long-term strategy
With Personal you’re free to track your expenses and net worth.
Available for: iOS and Android

2. Mint

If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.
Here are some of its main features:
  • Effortlessly track all your bills and balances in one dashboard
  • Categorized expenses to understand where you spend your money
  • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.
Feel at ease with managing your money by a reputable company that isn’t going anywhere.
Available for: iOS and Android

3. YNAB

Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.
Here are some of its main features:
  • Easily sync all bank accounts in one place
  • Visually see your debt paying progress with eye-catching charts and notifications
  • Customized categories setting saving goals
The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.
Available for: iOS and Android

4. Wealthfront

Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.
Here are some of its main features:
  • Variety of investment account options including IRA, Roth IRA, and more
  • Your portfolio composed of 7 different asset classes
  • Automatically rebalanced portfolio
  • Daily tax loss harvesting
Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.
Available for: iOS and Android

5. Clarity Money

If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.
Here are some of its main features:
  • Easily cancel subscriptions with one click
  • Synchronize bank accounts fast
  • Transfer money effortlessly between different accounts
Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.
Available for: iOS and Android

6. Acorns

What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.
Here are some of its main features:
  • Automatic contribution option
  • Customized portfolio tailored to your needs
  • Low management fees ranging from $1-$2 per month
Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.
Available for: iOS and Android

7. Albert

Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.
Here are some of its main features:
  • Receive notifications for overpayments, hidden fees, and low balances
  • An Automatic budget that’s built around your spending and income
  • Easily track debt and set new financial goals
While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?
Available for: iOS

8. Prism

Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.
Here are some of its main features:
  • View all your account balances in one glance
  • Bill due dates are automatically pulled and tracked
  • Receive early reminders for upcoming bills
If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

9. Mvelopes

Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.
Here are some of its main features:
  • Connect unlimited bank accounts
  • Real-time budgeting with auto transaction syncing
  • Low monthly $4 fee or $40 annual
Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.
Available for: iOS and Android

10. Wallaby

Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.
Here are some of its main features:
  • Automatic recommendations for the best credit card to use for each transaction
  • A friendly user interface, displaying credit cards with their corresponding images
  • Free to use
If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

Take control of your finances and experience financial freedom

Picture yourself staying on budget and saving more money than you’d ever imagined.
It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.
You now have a list of reliable apps that can help you build better money habits, what are you waiting for?