Money saving apps review: do they actually work or just hype?
I'm wondering if money saving apps are actually worth using. I've heard that YNAB and Monarch Money are popular. I've also heard that Qapital does automatic round-up savings. I've also heard that many apps are free. I'm wondering if they actually help you save money.
The thing that concerns me is that I've heard apps only work if you actually use them. I've heard that the best app is the one you'll stick with. I'm also wondering if free apps are as good as paid ones. I'm trying to figure out if money saving apps are worth downloading or if I should just use a spreadsheet.
Do money saving apps actually work? Should I use YNAB or Monarch? What about Qapital? Are free apps good enough? Have you used any apps? What worked? Would you recommend it? Should I pay for premium? How much can I save? I'd appreciate advice about money saving apps.