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Posts tagged ‘Personal Banking’

Mini App Round-Up: Jan 27, 2011

Our Mini App Round-Ups cover smaller apps that rock. If you have a suggestion for an app, send it our way. gives anyone the ability to launch a sophisticated mobile web app in a matter of minutes. Instead of writing code, users drag-and-drop elements into place. Its simple interface allows anyone to get started. provides the hosting, which means more time building your web app and less time setting up. Basic web tracking analytics are also included. Plans start at $30 per month.

The Daily Startup

noresizeFor our entrepreneurial readers, The Daily Startup pulls in quotes and case studies from business and startup books. Each day, the website posts a new concept from a book. They take a no-frills approach to each article, as in, “Skip the details, and just tell me why this matters.” Their writeups are concise but still provide enough value with actionable advice for your business. The Daily Startup launched this month.


noresizeLedgerble is a full-featured accounting web app. It breaks away from desktop software by providing your books in the cloud. Ledgerble can handles banking and bookkeeping, and it even has the ability to import your banking data from your account. The service just launched, and pricing currently stands at $14 per month for all features.

Wave Accounting: Free Small Biz Accounting

Wave Accounting is a completely free accounting web app targeted toward small business owners, startups and freelancers. The service competes against industry titans, like QuickBooks, but at no charge.

Setting up an account takes a few painless steps. First, fill in your account details, then link your financial data to Wave Accounting. Next, answer a handful of simple questions to help customize your account, like if your company is a sole proprietorship, partnership or corporation, or if you collect sales tax from customers. Linking your financial accounts is optional, but it eliminates the need to manually enter transactions and probably improves the accuracy of your books.

What’s great about the service is that you don’t need to understand a term like “double-entry bookkeeping” to keep your books in order. The service handles a ledger, accounts receivable and accounts payable in terms like transactions, income and expenses. Create invoices under the Income tab, and log bills under the Expenses tab. Simple, right?

According to their privacy policy, Wave Accounting may reach out to its users with “tailored savings opportunity messages,” which means its business model operates like Mint. When you provide your financial details, and the service will likely recommend better solutions over time.

What’s clear is that business owners do not lose functionality when switching to Wave Accounting. The system doesn’t feel like a downgrade, even if it’s offered for free. And for many, Wave Accounting may feel more intuitive than QuickBooks.

Doxo: Digitalize Bill Payments

It wasn’t too long ago when banks began giving their customers the ability to opt-in to “paperless” statements. Instead of receiving your checking account statement or credit card bill by mail, a little email just popped up in your inbox. Financial services companies saw it as a way to reduce costs (paper, printing, postage), and many users were content with an email.

Not all companies have been so progressive, however. We still receive the majority of our bills in our mailbox. For many, Doxo may be the beginning of the end for paper bills.

Doxo is working with major banking, utilities and services companies to send bills online. Users create an account on Doxo, punch in their info, and easily add companies to their account. In many situations, Doxo will take the liberty of reaching out to the company and letting them know you want to receive your bills through Doxo. Then, the next time a bill arrives, it appears in the “To Do” tab.

Doxo has already signed up a lot of the major players (the only services we couldn’t find were our local energy provider and a credit union). Even if you’re missing a company from the list, you can still scan and upload your bills to keep them with the rest. And once the company is added to Doxo, you’ll be ready to switch over to paperless billing.

Best of all, Doxo is free for users. The service charges companies to list their names, allowing users to see the benefit for free. Plus, companies likely make back that payment through cost savings. It’s an attractive proposition:  users win, companies don’t lose.

Creditable: The Out-Of-Debt Social Network

It seems all goals are more obtainable when you have the support of a community to help. For people suffering with a massive amount of consumer debt, announcing their problems to close friends may be difficult. Creditable creates an anonymous social network for people looking to pull back into the black.

People looking to lose weight have fitness groups. People looking to eliminate habits have support groups. It’s time people with debt create their own group. After signing up, you enter details like your amount of debt and your goals for the future. Creditable then suggests following people with similar goals. Through these connections, people have the ability to form a support group without revealing embarrassing details about themselves.

Creditable is completely free to use, which proves users do not need to go into even deeper debt just to get out of it. Instead, the service seems to operate on affiliate sales, like Since it knows a bit about your financial history and credit score, it has the opportunity to recommend lower interest rate credit cards or new checking account options. That said, if a user wants to focus on reclaiming the accounts they already have open, the offers are easily skipped.