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One of our goals here at The Neyland Report is to keep you informed of products and services that may make your financial life easier and more prosperous. While we do not go so far as to recommend products, we do like to let you know what is available in the marketplace of personal finance aids. That brings us to the EMMA Personal Finance and Budgeting App.

Emma is a new finance app that can help you get organized, and potentially save you some money. The app addresses three things that many people often ignore:  canceling wasteful subscriptions, tracking your debt over time, and planning for the future. The app also helps you save money, and avoid late fees and overdraft charges. While we all know these are important practices, time often gets away from us and we forget to pay attention to our own financial well-being.

Emma also makes it easy to set budgets and goals for your business, and you’ll be able to stay up to date on your earnings on all of your devices.

Here is how it works: Emma connects to your current credit cards, checking accounts, savings, and even pensions and analyzes your transaction data. Using state-of-the-art technology, it then evaluates your financial status and offers recommendations and insights on how to be smarter with your money. Using Emma is like having a personal financial assistant monitoring your spending and saving behavior on a daily basis.

The best news? The Emma app is free. Once you download the app, you can also upgrade to Emma Pro, which offers additional features, by purchasing an annual subscription. Right now, (February/March 2020), the company is offering the annual subscription for $39.

Each week/month Emma sends you reports inside of the app to let you know how you have been doing. The reports give you an overview of your account and spending. This feature is a great way to tell you if you have been doing well or if you need to cut back on your spending.

One of the great things about personal finance apps is the control you have over your own money. Without a virtual assistant such as Emma, it is easy to lose track of your subscriptions, your payment due dates, your account balances and more. Having this type of control with just a few keystrokes on your phone or other device puts you firmly in charge of your finances, and even allows you to save money you otherwise may have spent unnecessarily. Click here to check out EMMA for yourself and get ready to take charge!

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