NerdWallet: Manage Your Money

I was working hard as hell at a fast food restaurant for about 2 years when I met a guy who taught me about credit. He recommended this app, I quickly download it and started my journey on building my credit. I use to think “why have credit? why worry about credit?, why would I put myself at risk of owing money to a bank or personal lender, I have heard so many bad things.” But the guy I met explained to me vividly how to go about building and maintaining my credit to insure that “in the worst case scenario you’ll be taken care of, but only if you use credit for credit not to splurge. Don’t use it as a means to obtain cash you don’t have at hand. Use it as a means that ensures that as you progress in life, even if things turn sour you’ll be okay but only if you maintain you’re credibility. This app will help you, I’m certain.” This helped me out a lot, I watched my credit go from 552 to 688 in a matter of 8 months of being responsible and paying back what was owed and maintaining current or new credit accounts. I give NerdWallet a 1,000,000 star rating.

I normally calculate my finances on my IMac, however, I have multiple bank accounts so it’s nice to see how much money I have with all my accounts combined. I can get the balance for each account by logging in into each app, but to make it simpler it’s easier to use only one (nerdwallet). What I appreciate is I also have my few credit card accounts & an investment account so it saves me lots of extra time. It also shows you credit score (only one unfortunately) which normally there are 3 credit bureaus. If you pay everything w/ debit and credit card it’ll automatically post your transactions to the select fields: (grocery, travel, gas, payments, etc). It’s simple to use if you have multiple accounts. If you’re seeing this; take this golden nugget: never max out your credit card but purchase all items w/ credit cards. You’ll at least get some $ back that you were already going to spend. Save yourself at least some money. Best of luck, I haven’t read any other reviews but only going based off my own personal belief.

As someone who just graduated college and started earning income, paying bills, and building my credit, this app has made my life so much easier. I am able to stay on top of my finances and see everything in one place. The best part is I can connect all my different accounts (acorns, Robinhood, checking/savings, retirement, car loan, etc) and know exactly how much is in each account. This is the first time I’ve gotten a full picture of how much money I have and how much money I owe. I also love that I can see which categories my spending goes towards and recategorize purchases if I need to (something that a lot of other budgeting apps I’ve tried don’t let you do). This has helped me come up with a realistic budget and savings goals. The personalized advice has helped me raise my credit score by over 40 points in the last 4 months. This app is awesome- I can’t believe it’s free. Thanks so much for the amazing service you provide.

If it wasn’t for NerdWallet, my credit score could’ve sustained an irreparable hit. Unfortunately I forgot to pay a $39 balance on a credit card, and NerdWallet alerted me my credit score dropped by over 80 points. Fortunately, advice from one of their articles helped fix my credit score. They recommended that I contact the bank and see if they could revoke the hit to my credit score (since this was the only time this had ever happened to me). And it worked! A month later I got a notification that my credit score is nearly back to where it was before this ordeal. Thank you, NerdWallet!! Also, the app is fantastic! It’s helped me monitor my finances and helps me make better financial choices. Their reviews of credit cards are quite helpful, currently looking into signing up for one now.

I’ve only been using this app for a week but I can already tell I will be dropping Mint. First off, this is the only other app that connects to all accounts besides Mint. Even if you don’t want to give access you can enter manually. Very intuitive interface with details a touch away. Even though it has limited categories for spending they help me see what I need to see. Mint had more categories (often labeled wrong) but it didn’t help me anymore than this app. The suggestions/advertisements are not in your face like Mint. Cash back is awesome! Nerd Wallet has some great articles which have already given me some great insight! Looking forward to see improvements in the bills area of the app. It’s only been a week so this is subject to change. Go to financial app until proven otherwise! Thanks Nerd Wallet!!