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\”}}[/et_pb_text][et_pb_text admin_label=\”Text\” _builder_version=\”3.0.74\” background_size=\”initial\” background_position=\”top_left\” background_repeat=\”repeat\”]Bankruptcy is an issue we deal with frequently at Davis Ermis Roberts, and it\’s not always avoidable. Any family can experience a major medical event or unexpected death that incurs massive financial damages. Even so, many bankruptcies can be sidestepped if people pay closer attention to how they\’re spending and saving money.  For the many clients we\’ve helped who eventually moved past their bankruptcies and restored their financial health, here are some of the money saving apps that got them there. 

Digit

While Digit charges a very small fee for use after the trial period is over, the amount of help it gives in being able to really save money is invaluable. Here\’s how it works. It looks at your account for an in-depth analysis multiple times each week to see how your deposits and expenses are balancing out. It then recommends a portion of the money you can actually afford to save and ports it to an account that is FDIC-insured. It\’s very precise and won\’t leave you penniless at the worst possible times. 

Clarity Money

This app takes the unique approach of distinguishing from essential spending and wasteful spending. Specifically, it looks at the subscriptions you don\’t need or aren\’t using and it takes it upon itself (with your permission, of course) to cancel those and get you back to the actual necessities. It also acts as a debt negotiator and recommends the types of credit cards that will best serve you in your situation. 

Qapital 

One of our favorite approaches to savings, it simply rounds each purchase up to the nearest dollar amount and sticks it into a savings account. In this way, you\’re able to save money without thinking about it or feeling the effects. While it doesn\’t seem like much, it adds up when you\’re talking about multiple transactions over days, weeks, months, and years. Bonus app: Acorns works similarly with both debit and credit transactions. 

Trim

With Trim, you\’re able to link every expense account and subscription that you have for recommendations on where to cut back or eliminate altogether. 

The Thing to Remember About Bankruptcy

There\’s always a way out of bankruptcy, though the road to hold may not be an easy one. It\’s something you can conquer, though, and you can do it one step at a time. It starts with what you spend and what your overall earning power is. Contact us today if you fear bankruptcy may be in your future, and we can help you organize and consider your best options.  [Featured Image by Pixabay][/et_pb_text][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=\”1_3\” _builder_version=\”3.0.47\”][et_pb_sidebar orientation=\”right\” area=\”sidebar-1\” _builder_version=\”3.0.105\”][/et_pb_sidebar][/et_pb_column][/et_pb_section]