‘I use different credit cards for different things’: I want to track my spending across all of them. Is there an app that can help me do this effortlessly?

Hi Money Minder,

I’ve got a bit of a situation here. So, I’ve been juggling multiple credit cards because each one offers different rewards which is great, but now I’m struggling to keep track of where my money is going. I wish there was an app out there that could show me all my spending across all my cards in one place. Like, I wanna see how much I’m dropping on groceries or movies or eating out without having to jump from one app to another. Ya feel me?

I’ve come across a bunch of apps that let you manually enter transactions, but I’m looking for something more seamless that can directly link to my accounts. Any ideas?

Oh, and just so you know, I’m an android user.

Catch you on the flip side,
Savvy Spender

Response from THE MONEY MINDER:

Hello There,

It sounds like you’re dealing with a common challenge that many people face when managing multiple credit cards with different rewards programs. Tracking your expenses across all cards can be a daunting task, but there is a practical solution that may help simplify this process for you.

One realistic approach you can consider is utilizing personal finance apps that are designed to aggregate all your financial accounts in one place. Apps like Mint, Personal Capital, or YNAB (You Need A Budget) can link directly to your credit card accounts and provide you with a comprehensive overview of your spending habits. These apps can categorize your transactions by type, such as groceries, entertainment, or dining out, allowing you to see how much you’re spending in each category.

By having all your transactions in one app, you’ll be able to easily track your expenses and identify any areas where you may be overspending. This can help you make more informed decisions about your budget and identify opportunities to maximize your rewards across all your credit cards.

Remember to prioritize security when linking your accounts to any app and ensure that you’re comfortable with the app’s data privacy policies. And as always, if you have any concerns or questions about managing your credit card spending, it may be beneficial to consult with a financial advisor or credit counselor for personalized guidance.

All the best from THE MONEY MINDER!