Financial advisers and experts always say it: Save now! But for most people, it is easier said than done. Not everyone is good at keeping track of expenses and budgeting money for the rainy days. Some people need help.

What better way to start 2018 than to try getting better in handling money, right? And because we are now at a time when everything is digitally available, why not get help from systems that sell cell-phone apps?

You have a phone. The apps are up for free download, and it will help you manage your finances better than ever. So why wait? Read on and try out the following money management apps.

• Clarity Money

Clarity Money is a budgeting app for iOS phones. It teaches the user how to manage finances by creating a cyber-savings account.

It is customizable, allowing you to enter the usual expenses that you make over a certain period of time. You will also be asked to set a target amount of savings or a financial goal.

When you’ve spent way too much over your original budget, the app will send you an alert. It doesn’t only gather your finance info, but gives you reminders too.

• Mvelopes

Mvelopes works like a financial adviser. Basically, the app helps you develop a monthly financial plan. It collects data like your budget and income for the month and matches the two.

From there, your spending activity will be monitored. It also reminds you when you are spending over your credit card limit. Mvelopes can be downloaded on either an iOS or Android phone.

• Good Budget

Good Budget uses a simple premise. It’s like assigning one envelope for every expense that you have. So for instance, for your utilities, you’ll assign one envelope for the electric bill, one for the gas bill, and so on.

Doing this every month helps you avoid having to rummage through your wallets when disconnection notices arrive. You also have the option to use this with your spouse or any household partner. This way, you can manage your expenses together.

This app can be downloaded on iOS and Android.

• Unsplurge

The name speaks for the app’s system. The principle behind Unsplurge is practicing “delayed gratification.” With this app, your tendency to splurge will be managed because it will help you focus on your targets.

You will be asked to set goals, like going on an overseas trip or purchasing your first car. And because you want to meet your goals, the app will help you save up for it and not spend on other unnecessary stuff. Unsplurge is available on iOS.

Now you have no excuse not to get better in handling your money because all these apps are a download away.

Just remember that no matter how convenient budget apps are, it still takes commitment to get things going. You have to have enough discipline. You can only change your bad spending habits by working hard to eliminate them.