The best free bank budgeting tools that you already have on your phone

BUDGETING apps are a great way to help you stay on top of your finances.

From counting the pennies to stopping you paying too much for subscriptions, your phone can make it much easier to track spending and take some of the pain out of saving.

Many banks have useful tools attached to free accounts for no extra costgetty AFPBudgeting apps are a great way to help you stay on top of your finances but first check what is on offer from your bank[/caption]

But lots of apps now charge a monthly fee.