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Online Household Budgeting Software

Published 01/14/2011 and rated Ratingstars2 2 out of 5 stars
by AppAppeal Editor
What can you use the app for?

My Spending Plan is another version of the online budget keeping application. Users can monitor their bills and learn how to spend better by keeping track of their expenses through My Spending Plan. The system allows users to create an effective budget in ten minutes. Items include regular payments, bills, and any other expenses they may have coming up. My Spending Plan sends bill due and financial task reminders via email. Users can also track their total savings and customize their personal planning portal. My Spending Plan uses the tried and true envelope budgeting system. The application also helps users save more money on purchases, from home buying transactions to purchasing of weekly groceries or beauty products. Users can also pick up helpful tips and more through My Spending Plan.

MySpendingPlan screenshot
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What is the history and popularity of the app?

My Spending Plan was created in 2005 by Plans365 Inc., which was previously named American Homeownership Association, LLC. Based out of Royal Oak, Missouri, the company focuses on helping consumers manage their finances through budgets, spending tracking and more. The My Spending Plan team includes real estate and financial professionals as well as software developers.

What are the differences to other apps?

My Spending Plan approaches money saving from many angles. The main attraction is the use of the envelope budgeting system, which has proven very effective for many years. The system gives users a way to automate and handle spending online without the use of actual cash in envelopes. This reduces the chances of lost or stolen funds. My Spending Plan also gives users additional assistance through tips and money saving coupons.

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How does the web app look and feel to use?

The My Spending Plan website users gentle colors, including blue, orange and green, and a solid grey background to create an appealing contrast. Images of smiling families entice new users to improve their financial security through My Spending Plan. The tool is designed for anyone, so users can quickly adapt to the online system, even without a technology or financial background.

How does the registration process work?

New users can click the blue “Free Sign Up” link at the top, right hand corner of the homepage (between “Sign In” and “Take a Tour”). The registration form requires a first and last name, email address, password, gender, date of birth and zip code. The user must also check the privacy policy and terms of use check boxes at the bottom of the form. My Spending Plan automatically checks two additional boxes that sign the user up for their newsletter and email offers. These must be manually unchecked to opt out.

What does it cost to use the application?

My Spending Plan may be a better choice to some users because it is available for free. There is no cost for using the application. The site is paid through advertisements, so the user will see a few banner ads placed throughout the site. These are relatively un-intrusive and do not take much away from the overall experience. My Spending Plan is still listed as in beta, so there is always the possibility that a premium paid membership might be added later on.

Who would you recommend the application to?

My Spending Plan is a tool for anyone who wants to budget better. The free price tag makes it even more appealing for those on a very tight budget. Users can easily manage their funds and access their updated information from anywhere with internet access.

  • Add expenses and track spending habits on My Spending Plan
  • Set up bill due reminders as well as other activity reminders
  • Look for ways to save money through information and coupons on the site
  • Review helpful financial tips to help users make better financial decisions
  • Enjoy My Spending Plan without a subscription fee or other charge for the service

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