I got a new phone the other day.
It's not an iPhone. I'm still sulking about when they changed the charging port and every compatible device I had became useless overnight. Assfaces.
It's a Samsung Galaxy S10+ if you wanted to know. I'm a fan so far.
Anyway, I took the opportunity to do a bit of App clearing when I set up the new device and thought it might be useful to share with you all what Apps I have specific to finance and investing.
Yes it probably seems like I'm sponsored by them (I'm not, but should be), but I use MoneyHub pretty much every day. Lets me categorise my spending and keep myself on track with my budgets.
I can check on my ISA and SIPP (pension) through the app and make any changes I need to. I don't check it that often, probably only once a month when I do my month Net Worth statement. But if you're a loser like me, sometimes you get a spare 10 minutes and want to have a nose around your pension.
This is a new one for me. It's a fancy pants new card (I upgraded and got the metal card - cos baller AF), that allows you to link all of your other credit / debit / store / loyalty cards to it. So instead of having 12 cards in your wallet, you just have one. You can spend on it and then assign which account gets debited. Make a mistake? You can move it from one card to another after you've already paid. Genius! You can check it out here.
Individual Banking Apps
So I've got... HSBC, HSBC USA, Metro, Barclays, Barclaycard, Santander, Sterling, Revolut, Transferwise, Caxton, PayPal, Stripe. It's a bit excessive I know, and because of number 1 and 3, I rarely have to check these accounts anymore individually. But sometimes you just gotta, right?
I've already mentioned the three I have. Transferwise, Revolut and Caxton. I mostly use Transferwise nowadays, with Revolut as my backup. They have limits on the amount of withdrawals you can make, so it's helpful to have two if you're going to be doing much travelling.
Transferwise also lets you create international bank accounts, so super helpful if you pay people overseas regularly.
UK Tax Calculators
This is as dull as it sounds I'm afraid. But as a mortgage adviser (you knew I did that too right?) it's helpful to translate what someones net monthly income is in gross annual income.
It's also pretty good to see how you can be most tax efficient with your remuneration. So if you're paying more than 6% tax and earning less than £50,000 a year... you really should be paying me for my expertise. Check out the calculator here
This one is my play account. I don't do much day trading anymore, but I do still like to keep an eye on the markets and occasionally put a trade on. I've been trading quite a lot of forex recently due to the whole Brexit thing and also the US stock market - cos Trump is obsessive about keeping the S&P 500 going up.
It's not the best platform out there, but I've had an account for years and can't be arsed learning a new trick.
It's a bit like the Crypto equivalent of MoneyHub. It links with a lot of the exchanges and allows me to see in one place what balances I have available, and allows me to buy and sell some things from just one place. I think it's about $20 a month, and to be honest I don't really need it, but I clearly like signing up to things sooooooo...
And that is the list!
Nothing overly exciting, but maybe a couple of apps in there that might tickle your pickle or make your life a little bit easier. Never know, might save yourself a few pounds using some of them as well.
A couple of the links are affiliate links - use em, don't use em. Don't care.
Let me know if you have any other apps you use that are particularly helpful or relevant, if you've got fun shit to add you'll get a name check in it. Which is always fun.
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