Budgeting isn’t easy. It takes motivation, self-control, organization and a lot of time. Fortunately, there’s a way to handle the organization (which helps with the motivation and self-control) and save a lot of time: Budgeting apps.

If you teach your kids the principles of personal finance, the positive effects can last them a lifetime. Of course, the skills that are required to manage finances have changed a lot in the last 20 years. Checkbooks used to serve as the record of personal finance decisions, …