| If you are an iPhone owner, you have probably | | | | all your financial pass-codes in your phone and |
| shelled out hundreds for the phone itself, and you will | | | | manage financial accounts from there, PayPal's |
| spend thousands more in monthly AT&T bills over | | | | mission is the same as its website's: just turn the |
| the course of your two-year contract. There are | | | | money into ones and zeroes and buy things |
| two ways to handle this: | | | | electronically. The PayPal app gives you mobile access |
| 1) Tell yourself that the expense is well worth it in. | | | | to your PayPal account. It's a handy way to always |
| The value of all that entertainment and utility is just | | | | have an electronic wallet with you for online and |
| something you can't put a price on. | | | | (occasionally) on-site purchases. But get on board |
| 2) Get proactive and prove the expense was worth | | | | now; it's only a matter of time before the PayPal |
| it. Use your new iPhone to save money and get back | | | | logo shows up on the door of your local pizza joint. |
| what you spent by saving on fees, interest rates, | | | | Billminder by return-7 LLC ($0.99): Finance 101: pay |
| and financial missteps in all other areas of your life. | | | | things on time, and you don't pay late fees. This is |
| If you're of the latter inclination, here are the 5 best | | | | basic stuff, and Billminder is a basic app. It keeps a bill |
| iPhone apps for managing your money. | | | | calendar, tracks the amount of the various bills you |
| Personal Finance from (free): Sign up at Mint.com, and | | | | owe each month, remembers which ones you have |
| get their iPhone app free; or, just download it from | | | | paid and have not paid, and gives you alerts. Exports |
| the App Store. Mint corrals all your every-day money | | | | to Excel, works with Pocketmoney, blah blah blah. |
| management accounts in one app: bank accounts, | | | | Bottom line: you forget. It doesn't. |
| home and car loans, credit cards, IRAs, you name it. | | | | Pocket Money by Catamount ($4.99): This is like Mint, |
| It doesn't just track them; it keeps your pass-codes | | | | but without the connectivity. That means without |
| so you can make payments or transfers. You can | | | | pass-codes, and therefore without the nagging |
| also use it for budgeting. No word on a spousal | | | | suspicion that some kid might get tired of hacking a |
| control feature; the technology's just not there yet. | | | | HALO knockoff and take out a second mortgage on |
| But for everything else, Mint's got your everyday | | | | your condo instead. Track your accounts, visualize at |
| finances covered. | | | | a glance where you're blowing the family budget, all |
| Bloomberg Mobile by Bloomberg (free): Apple gave us | | | | from the privacy of your own phone. Never really |
| a "Stocks" app with the operating system. They also | | | | trusted e-money? Pocket Money keeps track of all |
| gave us Macpaint, but someone invented Photoshop | | | | your financial information, then hoards it. |
| anyway. Now the big boys are here. Basically, this is a | | | | Poke around the web or the App Store if you have |
| Bloomberg terminal in your iPhone. Financial news, | | | | a special need. Want to locate ATMs or figure out |
| stock tracking, Bloomberg's world-renowned analysis, | | | | the tip at dinner? Those apps are legion. Certain |
| laggers, leaders--pretty much everything a stock | | | | banks like Bank of America offer company-specific |
| market app needs to be a market junkie's first click | | | | apps as well. But treat yourself to some of the best |
| in the morning and the last one before bed. | | | | of the breed, above. Your balance will thank you. |
| PayPal from (free): Whereas Mint's function is to get | | | | |