This app acts as your financial advocate, studying your debts and bills and recommending strategies to curb those bills and do a better job of paying down that debt. PocketGuard tracks and records all of your spending – even that $5.00 latte at the coffee shop – updating your transactions as they happen, and provides not only a snapshot of your outgoing cash but also a strategy on cutting better deals on ongoing debts like your cell phone or your auto insurance. The app is visually appealing, with plenty of easy-to-understand charts and graphs that break down your financial picture for you.