I downloaded this app because my partner and I share monthly spending money on one credit card, and I don’t have access to the balance. With this app, I was able to add my partner’s bank card to my interface and now I can see how much is being spent and how much is available on the card.The app also shows you a 'spend'-ometre indicating your average spending and how much you have spent to date. 22Seven will also split up your spending into various subcategories, e.g eating out, cellphone, bank charges, etc, to show where the bulk of your money goes to. In this way, the app will pick up trends in your spending habits that help you make informed decisions. In addition to adding bank and reward cards, you can also add your own personal notes on loans (e.g I owe dad R1000). What is particularly great about this app, other than the fact that it is modern, crisp and beautiful, is that you can also link your investment accounts. The drop down option includes everything from 10X investments to Coronation Fund and Easy Equities. The only downside for me was that after adding my partner’s bank details our mortgage reflects twice. Additionally, with your mortgage in the mix, it can get a little depressing, when you have a few grand in the plus and a few million in the minus! Without sounding too prejudiced, every single South African needs to download this app. They also have a very insightful blog which you can access by clicking here. If for any reason 22Seven isn’t 'app'-ropriate, Moneysmart have released their very own budgeting app (still in Beta testing), allowing you to connect your accounts.