A blog about the money app Cleo for a customer on Fiverr

Trying to budget sucks.

Trying to save money sucks.

Building your credit sucks.

Finding a money app that makes your life easier and will even give you the occasional ribbing for your lousy money habits could really help to take the suck out of finances.

 What is Cleo?

Cleo describes itself as the money app that doesn't suck.

It is a money app focusing on more than just budgeting your hard-earned cash.

It has many aspects, like Quick Spot, building credit, and saving money.

Cleo was founded in 2016 in New York City.

It has thousands of reviews on Trust Pilot and an impressive rating of 4.3 out of 5 stars.

Cleo also has a 4.7-star rating on the App Store and over 50 thousand reviews on Google Play and a 4-star rating.

Like other budgeting apps, Cleo requires that you connect your accounts to the app.

It will look into the last three months of your spending and create a personalized financial plan for you.

Cleo is so much more than a budgeting app; we'll get into all the different features.

The app will offer you insightful advice and help; you can even have it roast you and your spending habits.

The Cleo money app goes beyond what other money apps do.

Here are 5 ways they help to take the suck out of finances.

Cleo's got your back if you are in a pinch and need a little extra cash fast.

With no credit check, you can borrow up to $250 through the app without interest.

Quick Spot is available to Cleo Plus and Cleo Builder members. Both are monthly subscriptions.

You can pay an extra fee to have the money given to you immediately, and you have up to 14 days to pay it back.

Cleo can help you set up a budget for you and your lifestyle.

Not everyone has a paycheck every two weeks, so even if you get paid irregularly, like a gig worker, or have multiple income streams, Cleo will construct a budget that works for you.

You will need to enter your bills and income streams into the app so it can analyze and create a customized budget.

Linking your bank account to the Cleo app will track your spending so you can see where you may be spending money you don't need to be spending.

Cleo does recommend budgeting your money, with 50% of your money going towards needs, 30% towards wants, and 20% into your savings. This is customizable to whatever you want and what suits you best.

You can get a Credit Builder Visa from Cleo to help build your credit.

It is a secured card, so you have to put the money on it, which will be your credit limit.

Cleo doesn't perform a credit check when you apply for the card, but they will report your good payment history to all the major credit bureaus.

Having good credit is so important. Cleo will help get you the credit you need whenever you want to rent an apartment, buy a car, buy a house, or even get a job.

The credit builder card does not charge you interest, but you will need a Cleo Builder Subscription to be eligible.

You can access cash advances, priority support, and cashback rewards.

You can also track your credit score within the app, making it easy to follow your progress.

This money app offers multiple ways to save money.

The most fun is the "Swear Jar"; this feature lets Cleo fine you for spending money on things you shouldn't and putting your "fines" into your savings.

Cleo has a wallet where you can save money or cash rewards from your credit builder card. This helps to hide the money from you because as the saying goes, "out of sight, out of mind."

Another cool feature is the roundup. Anytime you make a purchase, the app will round it up to the next dollar and send the difference to your savings account.

You can even use the set-and-forget feature to automatically save money without thinking about it.

Cleo's blog is a great resource to look to for money hacks and starting a side hustle.

Numerous blogs go into detail on how to make a little extra cash. Whether on social media or freelancing platforms like Fiverr, Cleo will help you find that little extra money you need to reach your financial goals.

If you are looking for a money app that's a little spicy and has multiple features to help you reach your financial goals, Cleo is worth checking out.