Category: Cash Management

You have been thinking of getting some scrap oxygen sensors recycling done. You have been seeing a lot of scraps of these items that are around and you must make sure that you’ll be able to find a good way to get the task carried out. Knowing what you must do and what you must carry out is going to help make it easier for you to get things done appropriately this time. Make sure that you’ll take your part in these social issues that are plaguing society, it is a very pressing manner and little by little, the rest of the community are starting to feel the bad effects of people’s carelessness where their garbage is involved. So, ensure that you do your part, regardless of how small it may be. There are a lot of things that you can do even by yourself one of the good things about recycling is that they can be a good source of extra income too. There are people these days that are able to accept recyclable items and pay you for bringing these items to them. So, might as well take the time to get to know what are the options available for you. Make sure that you will start collecting these scraps. If you do think that this is one activity that you would want to carryout for a long time, it is recommended that you should at least get a good idea of the resources that you are likely going to need. For instance, you might need your own vehicle, your own containers and your own storage area as well. Make sure to segregate the items that you have collected successfully too. Yu have to remember that there are always all kids of scraps that you may be able to find around and not all of them may be considered ideal for recycling. Knowing how to determine which ones go where is going to make it considerably easier for you to get the task carried out this time. The local government should be able to get you referred towards the right establishment that might offer you their assistance in getting this recycling task that you are doing a successful one. They may have their own guidelines on what are the things that you are supposed to do as well. It helps that you’ll know what these are so you get the most out of things. Make sure that you will call establishments that can recycle these stuff as well. It is always important that you will have a good notion of the many things that you must take into account so you are sure that you will know what their policies are for getting these stuff recycled. Thus, you would not have a hard time having these items be accepted by these providers this time. Make sure that you will find those establishments that do scrap oxygen sensors recycling and buy these stuff that you have collected from you. You would want to be able to use this opportunity to earn extra income. So, you would want to be able to do something on the side that will generate some dough, this can be a really excellent choice for you.

You have been thinking of getting some scrap oxygen sensors recycling done. You have been seeing a lot of scraps of these items that are around and you must make sure that you’ll be able to find a good way to get the task carried out. Knowing what you must do and what you must carry out is going to help make it easier for you to get things done appropriately this time. Make sure that you’ll take your part in these social issues that are plaguing society, it is a very pressing manner and little by little, the rest of the community are starting to feel the bad effects of people’s carelessness where their garbage is involved. So, ensure that you do your part, regardless of how small it may be. There are a lot of things that you can do even by yourself one of the good things about recycling is that they can be a good source of extra income too. There are people these days that are able to accept recyclable items and pay you for bringing these items to them. So, might as well take the time to get to know what are the options available for you. Make sure that you will start collecting these scraps. If you do think that this is one activity that you would want to carryout for a long time, it is recommended that you should at least get a good idea of the resources that you are likely going to need. For instance, you might need your own vehicle, your own containers and your own storage area as well. Make sure to segregate the items that you have collected successfully too. Yu have to remember that there are always all kids of scraps that you may be able to find around and not all of them may be considered ideal for recycling. Knowing how to determine which ones go where is going to make it considerably easier for you to get the task carried out this time. The local government should be able to get you referred towards the right establishment that might offer you their assistance in getting this recycling task that you are doing a successful one. They may have their own guidelines on what are the things that you are supposed to do as well. It helps that you’ll know what these are so you get the most out of things. Make sure that you will call establishments that can recycle these stuff as well. It is always important that you will have a good notion of the many things that you must take into account so you are sure that you will know what their policies are for getting these stuff recycled. Thus, you would not have a hard time having these items be accepted by these providers this time. Make sure that you will find those establishments that do scrap oxygen sensors recycling and buy these stuff that you have collected from you. You would want to be able to use this opportunity to earn extra income. So, you would want to be able to do something on the side that will generate some dough, this can be a really excellent choice for you.

Cars generally do dysfunctional if they have met with an accident orthere are any mechanical problems. There are chances that because ofcertain other reasons like failing the MOT or your car is no longerallowed on the roads because of the age of your car. Due to one or theother problem in the car it sometimes gets frustrating as it cannot beused and the cost of maintenance keeps on coming. Hence it sometimesgets inevitable to get rid of them.Now the only way to get ridof them is to sell your car or to send it to scrap. If it is notpossible to sell your car because of mechanical problem or because ofan accident the only option is to send it to scrap yard. There are manyagencies in UK willing to scrap your car for cash. Under the abovementioned circumstance scraping your car is the only option, bettercheck with the scrapping agencies about the amount they will paytowards your nonfunctional car.Take a good look on the internetso that you are aware of the companies and then request a quote foryour car. Generally you can get a scrap car quote on the internet byjust providing your registration number. Compare the quotes from thecar scrapping agencies and go for the best deal. After you have made upyour mind call them and ask for pickup service. Generally all thescrapping agencies offer to remove your car within 48 hours. Check ifthey play in your area so that your scrapping process is hastle free.Also check if their recycling has been approved by environment approved.Apartfrom that you get information from them who can help you sell your carfor cash. This is also a great option whenever you are running low incash. This will reduce your stress and all the formalities will befulfilled by them so you can sit and relax. Once you have signed therequired document may it be the certificate of destruction you are allsorted and nothing to worry about. The scrapping agency will take careof the rest.Hence if you are struggling to pay the maintenancechanges for your old car or the broken down car costs a lot to getfixed, you can get your car scraped for cash. It is the most lucrative option.

In this world of digitization, nobody would like to dig through a stack of receipts to track and manage their expenses. Still, it is vital to keep track of personal finance, since saving is an important matter of financial stability.

Personal expense manager apps are the best remedy to make personal finance handling efficient and effective. Personal finance management apps likeMoney Manager Expenseand Mint deliver substantial value to the users by streamlining the expenses. Considering the number of downloads that they have on app stores, it can be derived that expense manager apps are trending nowadays and it is therefore worth investing in expense manager app development.

In this article, we’ll discuss the best approach to expensive manager app development and the features that you should incorporate in your app. We’ll also learn how to calculate the expense manager app development cost.

But first, let’s understand the market trends:

Current Market Scenario

A recent survey of 1,039 US millennials byCredit Karma, discovered that most of these individuals (almost 85%) feel too burned out to think about and deal with personal finances. This presents a huge opportunity for personal finance manager apps to tap in with a blue ocean business strategy.

The Existing Players

The app stores already have a few successful apps that are dedicated for personal expense management. Still, there is a room for more personal finance apps when considering the increasing global demand. The following are the top 5 expense manager apps in 2021:

Money Manager Expense & Budget

Money Manageris the editor’s pick on Android play store and is the #1 personal finance manager app. The app operates on a double entry bookkeeping accounting system. The app allows users to define the type of expense and mode of payment, which ultimately reflects in the expense visualization charts. The app also allows users to manage their debit and credit cards within the app.

AndroMoney

Once recommended by Google Playstore,AndroMoneyis a personal finance manager app that supports multiple currencies. The app gives users an option to visualize their spend data via multiple charts. As the app is based on the cloud, the users can access their profiles from any device.

Mint

Mintis a free money manager and financial tracker app that even allows users to check their credit scores. The app allows users to create several spending goals i.e. transportation, leisure, food and beverages, rent, etc. having access to the data from each category allow users to become more aware of their spending habits.

Although I have a couple of more expense manager apps that are worth looking into, I’ll skip to the next part where we’ll discuss several other things that you should know before you opt for money manager app development.

Banking Apps are entering the market

Conventional banks are increasingly adopting innovative technologies to improve operational efficiency and offer new product/service lines. Modern banking apps incorporate many features that help users manage their finances. The budgeting and expense management is also one of the features that banking apps utilize to increase customer retention.

For example, AlliantMobile Banking Apphas an expense management feature that allows users to track where they’ve spent their money. This increases competition for your app idea.

AI-powered virtual assistants steal users

In addition to the Banking Apps being your competitors, there are some other apps that fall into the FinTech ecosystem, which also compete with personal finance management apps. Apps related to messaging and payment integrated AI-powered chatbots can be very effective in helping users with finance management. These virtual assistants track user’s spend, offer budget options, and provide personalized assistance. I recommend you to consider implementing chatbots into your expense management app. Plum, Digit, Cleo are among the best FinTech chatbots that you can keep in mind when analyzing these features.

Target user base is getting younger

Around 26% of the world’s population is under 15. For that matter, many FinTech apps are targeting a younger audience. Greenlight, BusyKid, Plan’it Prom are among popular apps that educate teenagers about managing their personal finances.

Crypto is the future

With the rise of cryptocurrencies, it has become essential for FinTechs to consider support for digital currencies during expense tracker app development. You can gain competitive advantage, if you allow users to track and manage their digital currencies such as bitcoin. For example, Mint users can easily manage and track their Bitcoins. Some other solutions like Coinbase and OSOM specifically focus on managing and trading crypto currencies.

Features You Should Incorporate

• Gamification

Although gamification was considered to be a gimmick a few years ago, it is now an integrated part of mobile app strategies for several industry verticals. It’s not uncommon for people to think of money as a game. Banks often offer prize-linked accounts, where instead of giving interest, the bank encourages customers to deposit a minimum amount to obtain aggregated interest.

The similar concept can be applied to the expense management mobile apps. You can offer several deals in return to your users for meeting their goals.

• Personalization

Every individual has their own financial goals. With personalization, your app users will be able to create their custom spending goals. Nobody likes generic functionality. In fact, the personalization feature will improve user retention. Also note that the personalization shouldn’t be limited to finance handling. You can also allow users to personalize notifications and several other things in the expense manager app.

• Virtual Assistant

Among several other applications of artificial intelligence and machine learning, Chatbots or virtual assistants are the most suitable use cases of AI for money manager app development. By analyzing user’s spend habits and financial goals, the virtual assistants can suggest areas of improvement. A virtual assistant helping in finance management is effective to keep users on track.

• Bill Organization

Bills organization by week, month, and year will empower users to keep track of their past spends. The users should be able to search bills by category, status, payment method, description, or tag. You should also allow users to download the bills in CSV, HTML, PDF, or Excel format.

• Financial Goal Setting

As stated previously, the financial goals for every individual are different. Some may want to reduce their spend on food while others on liquor. Allowing users to customize their financial goals will make them rely on your expense management app more.

• Notifications

Every app has the notification feature, with the result of this being users receiving tons of notifications on their mobile phone. It becomes challenging for them to attend every single notification, considering the high stream of notifications from several apps. Users often disable notifications from apps, and if you don’t want them to do the same for your expense management app, allow them to pick the type of notifications that they would like to receive. For example, it will help if you notify the users about their daily financial goals.

Steps to Develop an Expense Manager App Like AndroMoney?

Developing an Expense Manager App Like AndroMoney is quite simple. You should have a clear understanding of what values you want to deliver to the users. The following are the steps to a successful expense manager app development.

1. Define Your Expense Manager App Concept

Considering that several expense manager apps are out there already, you must be clear about your app idea. One thing to remember is that your idea has to have a differentiator about it in terms of features, functionalities, cost, or effectiveness. Your answers to the following questions will help you formulate your app concept:

• Which customer pain point will your app solve?
• What is the USP of your app?
• Why will people use your app?
• How you’re different from your competitors?

2. Conduct Market Research

When you have a clear idea of your expense manager app, it’s time to identify the market trends. I’ve already covered the industry trends in the earlier part of this article. However, you can dig for more information on the internet and with primary research.

This phase ofmobile app developmentalso requires you to conduct competitor analysis. I recommend you to do a quick SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis. SWOT will help you compare your app concept and strategies with the competitors. Try to find the USP of top expense manager apps. However, your USP should be unique and clearly defined.

3. Design User Interfaces and Experience

ManyFinTech developersskip creating mockups before they jump onUI/UX designing for FinTech applications. Mockups are very helpful for your development process. They’ll allow you to identify user flow. The technical term for this is ‘information architecture’, which shows all the possible user journeys. Our designers at Nimble AppGenie use Axure and Mockingbot to create astonishing user interfaces.

4. Create Technical Architecture and Develop Backend

Your app’s performance and security heavily depends on the technical architecture. The architecture involves all aspects of your expense manager app, be it programming language, technologies, database, user interfaces, or features. Refer to the following illustration to understand technical architecture better.

After building the architecture, you should develop your expense manager app backend. It is a lengthy process to set up the environment and build internal APIs to ensure smooth backend implementation. This step is very crucial for your expense manager app development.

Developers can either use a SaaS solution or develop the backend from scratch. We at Nimble AppGenie prefer using SaaS solutions including Firebase, Cloudkit, and AWS Mobile Hub. It allows us to save time and money for our clients. Also, for apps that require more personalized features and have specific and rigid requirements, we build the backend from scratch.

5. Frontend Development

This is the part of your expense manager app that users interact with. The UI/UX designers will realize the designs that you’ve created during the UI/UX design process. JavaScript, HTML, and CSS are among the mainstream technologies used by developers to replicate the designs. The thing to remember during this stage of expense manager app development, is that you should ensure that your app’s responsiveness performs to a high standard. No user will enjoy a slow user interface, even if the app has many useful features.

6. Testing

Testing is an inseparable part of every software development process. Irrespective of thesoftware development methodologyyou’re going with, testing will be there at the end of every development sprint or process. In the testing process, the quality analyst team tests the app functionalities, and compares them with the specifications in thedetailed requirement document.

With successful completion of the testing process, the QA team shares their insights with the development team, and asks them to fix errors/bugs. The development team makes the required changes and afterwards, the quality analyst team retests the code and functionalities. With a green flag from the QA team, the software product is ready.

Conclusion

It is true that expense manager app development doesn’t require much effort in terms of deciding the necessary features, required technology, and platforms to develop the app for. But, considering the entrance of other banking and finance apps into expense management, it is essential for standalone expense tracker apps to improve on existing functionalities.

For instance, these apps can partner withmobile payment appsto gather data about the customer expenses. This way, no matter which payment service the customer uses, the expense manager app will get the expense data and can provide users detailed insights about their spending.

If you’re confused about whether you should develop the expense manager app in-house or outsource it to a software development company, I would recommend going with the latter. If you can form a clear requirement document, it is better to get your software developed with outsourcing. However, I’ve written an article on this subject –In-House vs Outsourcing Software Development

At Nimble AppGenie, we’re experts in developing FinTech applications. Not every development company will be able to help you integrate your app with several payment apps. You need experts on this task. We’ve been developing FinTech solutions for more than 6 years and are familiar with industry standards and regulations.

Skip hire and waste recycling is readily available to every business and individual within the UK and gets rid of all types of reasons regarding not getting rid of waste in the best responsible solution. Help are at hand so we are able advice businesses and individuals pick the appropriate dimensions of a skip hire for the rubbish even if the contents could be for waste recycling and/or dump, presuming its appropriate.Typically, skip and recycling hire businesses supply varying sizes of skips which range from all the classically-sized skips which sit out the front of properties which in most cases are being renovated, to roll on and roll off skips that provide for great mountains of commercial waste. Domestic-sized skips typically keep about 50 trash bags of materials and should it be situated on a main road, a permit has to be granted from the local council.Waste recycling is big money now a days that could be how so many roadside manhole covers are being stolen, cut up and sold on to iron mongers for reuse. It is ironic that the drive to recycle metals has now created a targeted market for Stealing metal manhole covers.Builders, whenever contemplating skip hire, often purchase a larger size than the average household-sized skip and recycling hire, however only if the skip may be situated on private property. To accommodate the wider skips, in tighter gaps, it’s usually not likely to obtain the council approval. In general, all these larger skips fit about eighty-five typical rubbish bags of waste though your next one up are huge enough to contain a enormous two hundred and thirty typicalsized bags of wsate. For very big waste management work, building companies when thinking about skip hire are way more likely to prefer to manage their waste management by utilising the vast roll on roll off skips.Waste recycling involves a number of fundamental fields and top of the list is typical dry waste recycling which includes paper, newspaper, cardboard, plastic bottles and aluminium drink cans. In general, these waste products can be collected altogether and then split for easy waste recycling.Offices that have big amounts of paper recycling, normally A4 are advised not to mix the waste business paper with other types of paper and card as waste business paper could be recycled into recycled paper.Properly taken care of, glass could be one of the waste recycling products that could be practically 100% recyclable. Attention in dividing the various varieties of glass bottles to ensure clear glass remains with clear glass and brown glass stays with brown glass and green glass stays with green glass.Waste recycling of metals remains big business now a days, as mentioned above, because the costs of most metals has now increased to such a level that it’s worth robbers taking copper from rooftops or even coils of copper wiring, steel from the highways such as manhold covers and lead from churches. Sadly, you’ll see those that work in waste recycling that don’t check carefully at the origin of the metals sold for recycling waste.Gold recycling has got a excellent deal of interest in recent months because gold has now elevated in value considerably. Nowadays, there’s quite a few tv commercials offering that individuals send their gold valuables to specialist gold waste recycling companies for cash in return. One thing is certain about this type of waste recycling is that the owner of the gold jewellery will receive a very small % of the gold’s real value and even then it is not likely to come close to the original retail buying cost. Any individual thinking about gold waste recycling to make a bit of money should think of other forms of selling first.It might be a clich? but the saying: “where there’s muck there’s brass” has never been a more relevant assessment. Since property slowing down, skip hire for the disposal of rubble,old kitchens and bathrooms might have decreased yet waste recycling of glass, paper and metal has now for sure been a growing trade.