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Review of the Emma, Savings App:
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Went from being a financephobe to an amateur accountant

4
About 5 years ago, I found myself in a dire financial situation, exacerbated by my ADHD-driven impulsive spending. I didn't get onto how much the accumulation of small purchases throughout a month affected my outgoings. Seeing it set out in a visual way, itemised, with a totted total, really helped me to get a grip on my spending. Rather than treating myself to 10-15 coffees a month or buying my lunch out on a daily basis, I used the Emma app to identify where I was siphoning my wages and within the space of a month or two, I could suddenly put some savings away, or buy something meaningful that I could savour. Emma has become such an intrinsic part of my financial life now that I feel I would be much worse-off without it. My only minor gripe is that some features are paywalled - but this has never affected the core product, which I would describe as essential. Reviewed on: 16th February 2023
Review of the Plum, Investment app:
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Helped me out of debt and made me enjoy managing my finances!

5
I'd always been into the idea of investing some of my money into shares or hedge funds. I started using Plum as a means to save money when I was struggling through a period of debt - and it worked a treat. I got little rushes every time a bit of money was put away and received a lovely surprise at the end of every month. It undoubtedly helped me to find enjoyment in managing my finances (never thought I'd admit to that). When I found the investment feature, it was really simple to use and explained in simple terms, visually, how my investments might pan out. I set Plum to split a small percentage of my savings payments into various funds, and experimented with them for a few months, watching my money slowly climb. I gradually increased this percentage until I now split my savings payments 50/50. Of course - there is an element of risk, but given the genius way that Plum takes savings payments from my account, I knew that any funds 'at risk', I only would otherwise have frittered away. I check my Plum now in the same curious way that I might check social media or news. I've been using it for several years now and will continue to do so for the foreseeable future. Reviewed on: 16th February 2023

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