Sick of finding yourself standing knee-deep in receipts, trying to decipher your online bank statements and wondering how you got into this mess/ You are definitely not alone, but you know what?
Sick of finding yourself standing knee-deep in receipts, trying to decipher your online bank statements and wondering how you got into this mess/ You are definitely not alone, but you know what? You can get your finances under better control by simply turning to tech and letting it do the work of money management for you.
Sound good? Here are five good places to start your journey to a better financial future.
Contrary to what sci-fi movies might have taught us, not all robots are out to take over the world. Some are here to help you invest your money better than your cousin who’s “really into crypto these days.” Robo-advisors are algorithm-driven digital platforms that take your goals, risk tolerance, and time horizon to build a custom investment portfolio. Think of it like having a personal financial planner—but without the awkward small talk about your post-holiday credit card guilt.
Not only are robo-advisors convenient, but they also boast lower fees compared to traditional financial advisors (in most cases). You can manage your portfolio from your smartphone, check performance at 3 AM when insomnia strikes, and feel delightfully futuristic as you watch those nifty little algorithms optimize your investments. Just try not to drop your phone in excitement when your stock picks finally turn green.
You remember the days of scribbling out budgets on a crusty old notepad, right? Or hearing your parents talk about envelopes of cash with “Rent” and “Groceries” written across them in permanent marker? Well, it’s 2025 and we’ve evolved—sort of. The principle remains the same (i.e., spend less than you earn, try not to buy fancy cheese with your electricity bill money), but the delivery is slicker, more intuitive, and designed to keep you motivated.
From apps that categorize your spending automatically (no more “Wait, how many Starbucks runs this week?”) to those that gamify saving (“Reach your $500 travel fund and earn a digital badge—because why not?”), budgeting apps give you near-instant feedback on your financial choices. Get your dopamine hit from seeing positive progress, rather than from impulse-buying more novelty socks.
Editor’s Note: Looking for a great money management app? Check out HomeTechHacker’s review of Monarch Money, which also covers alternative apps you might want to check out as well as a way to get a deal on Monarch Money.
Ever rummaged through the sofa cushions for extra coins, only to discover a few pennies and some questionable crumbs? Micro-investing apps do that for you—minus the crumb-fest. The best of these platforms round up your daily purchases (like that morning latte or your mid-afternoon snack) and toss the spare change into diversified investment portfolios or savings accounts.
It’s the grown-up equivalent of a magical piggy bank that invests your nickels and dimes without demanding a single hour of your time. Over the years, that loose change can evolve into a solid stash. So next time you swipe your card for a chai latte, take heart knowing a few cents are quietly funneling into your future self’s retirement dreams.
Other popular platforms allow you to invest in other asset classes that typically take larger investments, like real estate. Below are some micro investing platforms you should check out:
Acorns (https://www.acorns.com): Rounds up your everyday purchases and automatically invests the spare change into diversified portfolios. Also offers additional features like retirement and checking accounts.
Stash (https://www.stash.com): Allows you to start investing with small amounts and build a portfolio from curated investments. Includes banking tools and guidance resources.
Arrived (https://arrived.com): Enables you to invest in shares of rental homes and vacation properties starting at $100. Arrived manages all aspects of property ownership, allowing investors to earn passive income through rental dividends and potential property appreciation. The platform offers both individual properties and diversified funds, with flexible liquidity options available after six months.
M1 Finance (https://www.m1finance.com): Lets you create “pies” of stocks and ETFs, automatically rebalancing contributions. Combines automated investing with the option to customize portfolios.
Your personal finances aren’t the only ones reaping the benefits of modern tech. If you’re an entrepreneur or manage a company like HomeTechHacker, you know that getting your product in front of the right customer can be a game of digital cat-and-mouse. Say hello to this leading account-based marketing solution —the business world’s secret weapon.
In simple terms, ABM tools help you pinpoint specific, high-value accounts. Instead of mass-blasting your marketing budget to a million random people, you focus your efforts on the most promising leads. Through data-driven insights, personalized messaging, and streamlined workflows, you’ll see a boost in conversions that make your CFO’s heart sing. After all, who doesn’t love the sound of “Return on Investment” reverberating through the office?
Ever wish you had a mini personal assistant who’d keep an eye on your bills, track your investments, and even politely nag you about that neglected credit card balance? AI-driven financial assistants are making that vision a reality. From analyzing your bank statements for suspicious activity to reminding you when it’s time to renew your car insurance, these digital sidekicks can save you time, money, and many an anxious night spent crunching numbers.
Editor’s Note: Interested in learning more about AI? Check out the HomeTechHacker Academy classes AI Simplified: Essential Tools You Can Use Today and Smart Home AI: Applications, Privacy, and Future Trends.
They learn your habits (so be prepared for some side-eye if you order 14 takeaways in a single month) and can even offer tips for cutting expenses or maximizing your savings. It’s like having a money-savvy best friend who doesn’t judge… much.
Go digital and your finances will thank you!
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