Financially speaking, do you have all the tools at your disposal to look after your personal and business finances?

Money management in life and business isn’t the most exciting thing and can take up loads of precious time, but for better or worse, it’s one of those things you can’t really avoid.

With the amount of apps and countless software there’s always a difficulty in picking the one that is right for you.

You don’t have to spend hours every week working on a budget when the best personal finance apps automate much of it and help you quickly learn habits and alert you to costly money mistakes before they happen.

What if you are a young business and you need to get schooled up quickly in the art of trading? There are some simple ways for you to stay ahead of the game.  First here are some apps to help you trade:

Robinhood

This lets potential investors trade stocks without a commission fee.  This one is aimed at the first time investors.  It has a lot going for it as it won an Apple Design award in 2015.  This is a first for a financial app.

The features on this app includes sharing insights and sharing trends from other users of this app. in some ways this is like a social media app as it can help you build a following. This app is great if you are brand new to trading as you are put in the same boat as other traders that are not experienced.

Betterment

Betterment is an automated investing service for those interested in large scale, long term investing strategies. It’s an  automated investing service that provides optimized investment returns for individual, IRA, Roth IRA & rollover 401(k) accounts.

TD Ameritrade Mobile

This company provides two tools. The TD Ameritrade Mobile Trader app lets you trade with futures, options, equities and Forex.  The additional functions that it provides are a livestream from financial news services or from certain CNBC channels.

In addition to this, Ameritrade Mobile Trader is able to give you access to research material. This is great if you really need to brush up on your knowledge. You can also communicate with other traders via this app.

The TD Ameritrade Mobile app keeps track of the trader’s orders and provides analysis of market trends. Other functions include being able to transfer cash. And you can also deposit checks just by taking a picture with your cellphone camera.

This will save a lot of time and effort in terms of going to the bank. In addition to this, users can find specific market information about companies by scanning the barcode of the products they provide in store. This gives you ease of access to competitors’ information.

Nutmeg

Nutmeg provides investors with online access to investment management taking their inspiration from the tech world rather than the financial sector. In a nutshell, they learn about you, choose investments for you, and then — with your contributions — build the portfolio on your behalf.

..And for the basics of accounting

Keeping track of your finances needs the right kind of software. Whether you’re looking at accounting all investment, you need to make sure that you have the most suitable global wealth management  software or market analysis tools. For the basics of accounting, here is some accounting software you may wish to look at.

FreshBooks

It is very easy to use. It is also compatible with other business applications. Functions include adding the option for clients to pay from the invoices of FreshBooks.

Sage

This software has been around for more than 30 years. This is a good one for small businesses, and it is very simple to use. It is also a great option if you plan on growing your company, as Sage Accounting provides software for all sorts of business sizes.

QuickBooks

A very famous one with accountants. This software helps accountants manage their client’s taxes and is used by over 130,000 accountants. So it is very likely that your accountant is experienced with this software.

Founding Editor @Alltopstartups, Contributor @Entrepreneur, Columnist @Inc. Magazine and Curator at Postanly (his free weekly digest of the best life and career improvement posts on the web. Subscribe for free.