Truebill App Review | Best Personal Finance/Budgeting App In 2020? #Best Education Page #Online Earning

- So let me ask you a question.

Do you remember that free trial you signed up for

and never canceled?

You know, the one that's now charging you $15 a month?

Well, me either.

That's where Truebill comes in handy.

I've recently been hearing a lot about

these different budgeting apps,

and I decided I would try them out

and review them for you guys on the channel.

And the very first one I wanna take a look at

is called Truebill.

I've been using Truebill for about one week,

and I would describe it as an app

that helps you keep track of your overall financial life.

And one of the most useful tools of this app

is keeping track of those pesky recurring subscriptions

that we all tend to forget about.

Now, if you want to try out Truebill for yourself,

the link to download the app is down

in the description below.

I am affiliated with Truebill,

so I earn a small commission

if you do decide to use my link.

However, I certainly appreciate that

as it as a way to give back to me

for putting this video together for you.

Now, that being said guys,

let's get right into it and talk more about Truebill.

All right guys,

so the best way to actually explain

what it is that Truebill does

is by opening the app and showing you guys firsthand.

I actually downloaded Truebill about a week ago,

I've been testing out the app myself

and getting used to the different tools and functionality.

So I wanna show you guys exactly what this app

can do for you as well.

All right guys, so as you can see now,

here we are inside of my Truebill app.

And it shows right up top, what my monthly spending is.

Now, right off the bat,

I just want to tell you guys that I just paid off my car.

So that is why this month spend is so much higher

than you would expect it to be.

But that is what it shows you right off the bat here is

what your spending is,

as well as the different bank accounts

and credit cards that you have linked.

So, what I have linked to my account here

is my different bank accounts here.

I just have key bank linked, not my emergency fund.

But just my key bank account.

So if I do the drop down here,

it shows the different cash that I have

within these accounts.

And then it also shows the credit card balance I have

on my different credit cards.

Now, as far as my credit card goes,

I put all of my expenses on my one credit card,

and I pay it off in full every single month.

So, that is pretty helpful to show me

kind of what my spending is.

But this takes it a step further

because it combines your spending

from both your credit cards

as well as your checking accounts,

and puts it all in one place

where you can analyze that spending.

And it also gives you ideas to what your investments are.

I went ahead and link to my Charles Schwab account.

So that you can tie in

all of your different financial accounts that you have,

and it will give you an overall snapshot

of how much cash you have, how much debt you have,

and how much you have invested.

Truebill also gives you this option of setting up budgets

within the app.

If you want to set up a budget for a certain thing.

Maybe you're budgeting for a vacation

or a major life purchase,

they offer a budgeting tool right there within the app.

And then one of the things that really is interesting to me

about this app, is the recurring tab here on the bottom.

It gives you an idea of what your recurring expenses are,

which is extremely helpful

if you're somebody who has ever been in the situation

where you had some monthly expense sneak up on you,

and you didn't have enough money in your account.

So, this is extremely useful to show you

what are your recurring expenses

and what you should expect coming up.

So, in my case here,

I have my Intuit QuickBooks payment coming up,

my Audible subscription, my National Grid bill,

as well as my Hoffman's Car Wash and my payroll expenses,

Verizon Wireless bill.

So it shows you what these recurring expenses are.

In oftentimes, people end up forgetting these

because they sign up for something

and they forget they signed up entirely,

and then they're perpetually being billed in the process.

So that is a really helpful tab here

showing you what your recurring expenses are

and also when you should be expecting them

to hit your account.

So then you jump over to the spending tab.

And in my opinion,

this is the most useful part of the app for me.

Because not only does it show you

how much money you are spending,

but it also breaks it up into different categories

to give you an idea of whether you're spending

a lot of money on groceries, or dining,

or whatever it may be.

So, right off the bat,

we can look at my spending so far this month in January.

And I will be honest with you guys,

after seeing how much I've been spending

in the last couple of months,

it really has made me aware,

especially with things like the dining

and those discretionary expenses.

So, it's kind of a painful reminder

of just how much money you're spending

on these different things.

So, here we are looking at January so far,

and my spending is $1,487.

And it breaks it down into the different categories.

$283 spent on dining, 170 on groceries, 81 on shopping,

47 on auto and transportation,

and it does this for every single month.

And you can look at past data as well

after you link your account.

So for example,

it looks like I spent a lot of money in December

as most of us do because of the holidays.

And it shows me exactly where I spent that money.

So, $3,000 on shopping, 1430 on dining and drinks,

634 on pets, 562 on groceries.

So it breaks it up into these different categories.

So if you find that your personal finances

are kind of like a leaky bucket,

where you have no idea where your money is going,

something like Truebill can easily show you

where you're spending too much money.

And what's also interesting is

if you scroll down to the bottom,

it'll show you where you're frequently spending money.

So in my case, I had a lot of Amazon purchases

because of Christmas, so that was $977.

I spent $69 at Dunkin Donuts, and $458 at Hannaford.

And it also shows you what your largest purchases were,

and these different recurring purchases

that were a high-dollar amount.

And so, rather than just having your money

aimlessly going one direction or the other,

it gives you a very clear snapshot

of what is going on with your money.

Now on top of that,

there's a couple of other features of Truebill

that you may want to know about as a user of the app.

And one of the most interesting ones

is that Truebill offers a service

where they will negotiate on your behalf

on some of your bills.

Now in particular, this is typically your telecom bills,

your Internet bill, cable bill, and things of that nature.

And what they will do is, if you upload your bill

and provide the correct documentation,

they will reach out to these providers

and try to negotiate on your behalf.

Now, they offer paid plans with Truebill

which come with some extra bells and whistles.

But you do not need to be using the paid plan

in order to have them negotiate your bills.

However, there is a charge for this service,

and what they do is they keep 40%

of any money they are able to save you.

Now, you may think, "Okay, that sounds like a high amount."

But the truth is, this is what I call found money.

Because it's money you would never ordinarily get

in the first place

because they're doing the legwork for you.

Because as much as we all complain

about our high cable bills and Internet bills,

very few of us are actually willing to get on the phone

or chat with the people over the email

and actually negotiate that rate.

And what's actually crazy to me is just how much money

you can save by using the service.

So, according to Truebill,

the users that take advantage of Truebill's features

see their bills decrease by over $60 a month,

which is over $720 per year.

So, if you take advantage of all these features

and you have them negotiating your bills on your behalf,

you may see some savings like this as well.

Now, everything we've talked about so far

and everything I showed you in that app,

is part of the free plan.

Meaning you can download the app

right in the description below

and take advantage of all these features.

However, if you are looking for some above

and beyond features,

these are all going to be offered for a paid subscription.

And you can pay for this on a monthly basis

or an annual basis.

So, what does this get you exactly?

Well, first of all,

the first main thing it's going to get you

is automated cancellations.

So, what that means is that when Truebill notifies you

of a recurring subscription,

if you decide you wanna cancel that subscription,

you just click a button,

and then Truebill will cancel it on your behalf.

Whereas if you do not have the paid membership,

you're going to have to cancel that subscription

on your own.

Another additional feature you get with the paid plan

is unlimited budgets and unlimited spending categories,

which can help you get a more granular look

at your finances.

Whereas with the free version,

there is a set number of budgets and categories

that you are allowed to use.

Another useful feature with the paid plan is smart savings,

which allows you to save money

and set it aside right within the app,

which can be extremely helpful

when tracking your overall finances.

Another feature is they offer a service

where if you're charged any overdraft fees

or late fees,

they will reach out to those financial institutions

on your behalf and try to negotiate those fees.

Because oftentimes,

banks are willing to have a little wiggle room there,

if you reach out to them and ask them,

if you can cut down the fee or eliminate the fee,

especially if you've been in good standing with them

for a very long time.

You also get premium chat,

which means you have priority access

to customer service with Truebill.

And the final feature they offer is automatic fetching

of the data from your financial institutions.

So, if you use the free version of the app,

they're only going to update your account values

whenever that financial institution sends them that data.

However, with the paid plan,

they will fetch that data as often as you would like it,

giving you real time updates to your financial life.

So, overall guys, I have found the Truebill app

to be extremely useful.

And it's honestly one of those apps

where even the free version is really good.

It often annoys me when you download an app

and you're limited to what you can do,

because everything else is behind a paywall.

That is just not the case here with Truebill.

And I review a lot of different apps on my channel,

and oftentimes I'll review them

and then take them off my phone.

But I've personally found Truebill so useful,

especially with the different spending categories

that I'm actually gonna keep it on my phone,

and I'm definitely going to be looking back at it

a couple of times a month just to keep track of my spending.

So, anyways guys, that's gonna wrap up this review.

I hope you enjoyed it.

Like I said, if you wanna sign up for Truebill

and support me for putting this video together,

those links are down in the description below.

But thank you so much for watching

and I will see you in the next video.

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