Money Organizer: Organizer for Cash and Bills


Want to start your savings and cash stuffing journey? Get the right money organizer. With it, you can break things into let’s say, savings, debt payments, utilities, expense tracking, and vacations.

Money organizers have taken so much pressure off the shoulders of many budget newbies. You can shop them from Amazon, Walmart, Etsy market, and if you don’t mind do it yourself!

Don’t know where to start, don’t worry, we’ll show you all you need to know about money organizers.

What is Money Organizer?

A money organizer can be a machine, money binder, an app, or safe used to arrange, save, budget, and control your personal finances and business.

Is Money Organizer the Same as Money Manager?

The money manager is the most reliable software or application for book-keeping, investing, saving, spending, budgeting, and managing your account. A money manager is usually used by large organizations to keep track of their financial records.

On the other hand, a money organizer is a cash box, wallet, machine, or application that can optimize the way you organize, store, and account for your personal finances. It is usually used by small businesses, stores and individuals.

However, a Money Organizer is different from a Money Manager but can both serve the same purpose.

7 Ways to Use Money Organizer

  • Create your budget
  • Pay your bills online
  • Streamline your budget
  • Make lists
  • Autodraft your savings
  • Pay off and cut up credit cards
  • Combine money with a spouse

1. Create Your Budget

Be proactive in making personal budgets. Also, draft out a specific time and date at the beginning of every month to figure out how you would like to spend on debt payments, trips, and groceries.

2. Pay Your Bills Online

Based on consumers surveyed, thirty-eight percent of Americans said they turn to online and mobile banking for bills payment.

Also see: E-checking: A checkless-checking primer

3. Streamline Your Budget

You might have numerous receipts that you haven’t recorded. However, Ramsey+ is a tool that can help you control those receipts. This app helps you connect to your bank, your receipts will be streamlined to your budget.

4. Make Lists

Listing out your prior needs is very important. Make a list of bills to pay, grocery store, and personal goals. Certainly, lists help you organize your money and keep you focused.

5. Autodraft Your Savings

In recent months, only seventeen percent of Americans say that saving money has been a top priority for them. Above all, you can change that by making saving easier. Set up an auto-draft that will automatically deduct money from your account every month. Hence, you can save for things like; retirement, car fund, or college fund.

6. Pay Off and Cut Up Credit Cards

Paying with a credit card is actually different from paying with a debit card. However, paying with a credit card means paying off items over time while a debit card means paying for and owning an item immediately. More so, make sure you keep track of your monthly statement, don’t accumulate credit, and pay them off.

7. Combine Money With Spouse

When spouses separate their paychecks, bills, and bank records, there is more room for error. Above all, combining your incomes, investments, and bill paying as a team will improve your money situation and marriage.

How do You use a Money Organizer for Savings?

  1. Gather and keep your bills safe. Store them in a place they can be easy to transport.
  2. Make sure you have access to a computer and also basic stocks for home office supplies.
  3. Create a conducive space where you will regularly pay your bills.
  4. Create and schedule more time in your routine for consistent paying of bills.

Tips to Keep Your Bill Payments on Track

  • Set up an automatic bill payment from your bank. However, this is done for regular bill payments.
  • In other to reduce paper, request that your bank does not send you a paper receipt. So, pay bills online to reduce this.
  • Discard bill papers immediately after paying them. However, you can also keep them for tax reasons and other purposes. So, in that case, file them.
  • Schedule a specific time each week to review your banking statements and pay bills.

The 11 Best Money Organizer Apps for Budget

  • Mint
  • Goodbudget
  • YNAB
  • EveryDollar
  • Personal Capital
  • PocketGuard
  • Honeydue
  • Fudget
  • Simplifi by Quicken
  • Zeta
  • Stash
  • Digit

1. Mint

money organizer


Mint is one of the most popular money organizer budgeting apps and it stands out for a few reasons. It has over 25 million users. However, you can set up track investments, bill payment reminders, and also access your TransUnion credit score.


  • Free budgeting app
  • Free TransUnion credit scores
  • Investment tracking


  • In-app product advertisements
  • Some complaints about technical issues
  • Spending categorization could be better


money organizer


  • PRICE: Free basic version; Plus version $7 per month

Goodbudget is software that makes it easy to budget as a couple.


  • 10 free digital envelopes
  • Sync across multiple devices
  • Track your progress towards paying off debt


  • Free version has limitations
  • Doesn’t sync to bank accounts


money organizer


  • PRICE: $98.99 per year or $14.99 per month
  • BANK SYNC: Yes

You Need A Budget offers a different technique for budgeting by giving every dollar a job


  • 34-day free trial
  • A unique method of budgeting
  • Strong educational tools


  • Cost
  • An intensive system that takes time to learn

3. EveryDollar

money organizer


  • Pay $0.00 today with your 14-day free trial.
  • Cancel anytime.
  • No hassle.

4. Personal Capital

money organizer


  • PRICE: Free for Personal Capital investors; 0.89% on investment accounts under $1,000,000
  • BANK SYNC: Yes

With Personal Capital you to track your budget and investments in one place.


  • Extensive educational resources
  • Free wealth management tools
  • Net worth tracking tools


  • Cannot manually add transactions to budget
  • Less emphasis on budgeting tools

5. PocketGuard

money organizer


  • PRICE: Free basic version; Pro version $7.99 per month
  • BANK SYNC: Yes

PocketGuard is known for its distinctive features to curb the tendency to overspend, like subscription tracking, and help negotiate rates for bills


  • Easy to see cash flow
  • User-friendly platform
  • Easily cancel subscriptions


  • Cost to use the pro version
  • Some users complain about technical issues

6. Honeydue


Honeydue budgeting is designed for transparency, and there is some privacy available within the app.


  • Designed for couples
  • More than 20,000 financial institutions from which to link accounts
  • App is free
  • Chat function to message partner within the app
  • A joint bank account is available with a free debit card, and easily integrates into the app


  • There is no desktop version of the app
  • Support is limited to online forums
  • No tools catered toward financial goals
  • There are advertisements within the app

7. Fudget


With the ultra-simple design of Fudget, you make lists of incoming and outgoing money and track your balances. There are no budget categories.

Cost: Free

Premium: $3.99 one-time purchase

8. Simplifi by Quicken



  • Exceptional interface and usability
  • Great dashboard
  • Excellent transaction management
  • Helpful spending plans and watchlists
  • Goal-based savings
  • Good reports
  • Top-notch mobile apps


  • Subscription fee
  • Lacks credit score
  • Relatively simple bill-tracking tool
  • Features not particularly good for self-employed people

9. Zeta



  • Works with personal and joint accounts
  • Automatic and manual synchronization
  • Share budgets and goals
  • Split bills and communicate in the app
  • Keep on top of monthly bills


  • Not optimized for tablets
  • Prone to bugs that interrupt use

10. Stash


Cost: $1, $3 or $9/month


  • Automatic savings and investing tools
  • Offers fractional shares
  • Earn bonus stocks through debit card purchases
  • Low minimum investment requirement
  • Educational content included with the app


  • High monthly fees for premium versions
  • High expense ratios on ETFs
  • No wealth management services

11. Digit


Cost: After a free trial, $5 or $9.99 per month


  • Automated saving and investing
  • Simple user interface
  • A savings account is FDIC insured


  • Can’t directly move money from savings to investing
  • The free version only available for 30 days

What is a Cash Box?

A cash box is a money box or container with divisions for different denominations of coins and bills. More so, it is a secure box that may be locked and is used to store money.

Which is the Best Cash Box for Money Organizer?

There are numerous cash boxes with designs, shapes, and sizes. However, these cash boxes can be used in offices, grocery shops, homes, and even consignment shops.

  • Top Pick: Jssmst Large Cash Box with Lock
  • Runner Up: Steelmaster Tiered Tray Cash
  • Best Value:  Kyodoled Cash Box

JSSMST Large Cash Box with Lock

Jssmst Large Cash Box with Lock - 2017 New...
Photo Credit: Ubuy Explore
Item Weight4.07 pounds (1.83 kg)
Product Dimensions11.81 x 9.45 x 3.54 inches (30 x 24 x 9 cm)
Item model numberCB005
Is Discontinued By ManufacturerNo
Material TypeMetal
Inside PocketsJssmst Large Cash Box with Lock 2017 New Metal Money Box
Manufacturer Part NumberAU-CB0501L
Item Dimensions LxWxH11.81 x 9.45 x 3.54 inches (30 x 24 x 9 cm)
Chamber Height3.5 inches (8.9 cm)
Item Weight1.85 Kilograms

STEELMASTER Cash Box with Security Lock

STEELMASTER Cash Box with Security Lock,...
Photo Credit: Ubuy Explore
ManufacturerMMF Industries
BrandMMF Industries
Item Weight3.5 pounds (1.58 kg)
Product Dimensions12 x 8 x 5 inches (30.5 x 20.3 x 12.7 cm)
Item model number221618201
Is Discontinued By ManufacturerNo
Material TypeMetal
Number of Items1
Manufacturer Part Number221618201
BrandMMF Industries
Item Dimensions LxWxH12 x 8 x 5 inches (30.5 x 20.3 x 12.7 cm)
Item Weight3.5 pounds (1.58 kg)
Chamber Width7.5 inches (19.1 cm)


Item Weight4.12 pounds (1.85 kg)
Product Dimensions11.81 x 9.45 x 3.54 inches (30 x 24 x 9 cm)
Item model numberGT-CBKC-XL-BLACK
Is Discontinued By ManufacturerNo
Material TypeAlloy Steel
SizeKey Lock
Manufacturer Part NumberGT-CBKC-XL-BLACK
Item Dimensions LxWxH11.81 x 9.45 x 3.54 inches (30 x 24 x 9 cm)
MaterialAlloy Steel
Item Weight4.12 Pounds (1.85 kg

What is a Money Binder?

A Money binder renders a zero-based budgeting method more visible. You’ll be able to examine all of your financial objectives at once and make any necessary adjustments. Consider a money binder to be a day planner for your financial life.

What Can You Use a Money Binder For?

There are many things you can use a money binder for but these are just some of the few:

#Paycheck Tracking

With paycheck tracking, you can keep an eye on what payments are coming up so you can give the correct amount and still be able to hit any financial goals you have.

#Goal Setting and Tracking

Goals that are written down are more likely to be remembered. According to, writing down your goals increases your chances of achieving them over simply keeping track of them in your head. With a budget binder, you may dedicate an entire area to financial goals.

#Debt Pay Off Tracking

Paying off debt, no matter how large the amount, is a major financial goal for many of us on our money management path. For some, the quantity may be more due to various life routes we have chosen, while for others, it may be due to various events that have occurred. While credit card debt, student loans, and vehicle finance are the most frequent types of debt, others have medical debts or personal loans.

#Planning Purposes

You can use a money binder to keep track of annual or quarterly expenses so that you can plan as required for any upcoming events. You can note down a meal plan and keep track of what you need to buy at the grocery store.

#Expense Tracking

It’s difficult to know if you are overspending or underspending, in any classification, without tracking your expenses


Exploring this article, you can become a good money organizer by planning your budgets through means such as creating a budget, paying your bills online, streamlining your budget, making lists, auto-draft your savings, paying off, and cutting up credit cards, combining money with your partner.

In conclusion, using a money organizer cash book, wallet, or cash box can help you budget, and keep your money safe and organized. Additionally, electronic bill pay is an easy way to pay bills, and the budgeting apps such as Stash, Personal Capital, and EveryDollar can help you monitor your incoming and outgoing finances and also track your balance.


How do you organize money?

  • Create your budget
  • Pay your bills online
  • Streamline your budget
  • Make lists
  • Autodraft your savings
  • Pay off and cut up credit cards
  • Combine money with a spouse

What is a money binder?

A budget binder renders a zero-based budgeting method more visible. You’ll be able to examine all of your financial objectives at once and make any necessary adjustments. Consider a budget binder to be a day planner for your financial life.

How do you make a money binder?

  • Build a filing system
  • Separate your bills
  • Clean your folder regularly

How do I create a budget notebook?

  1. Select your budget template or application.
  2. Collect all your financial paperwork or electronic bill information.
  3. Calculate your monthly income.
  4. Establish a list of your monthly expenses.
  5. Categorize your expenses and designate spending values.
  6. Adjust your budget accordingly.


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