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Top 3 iPhone Apps for Personal Finance Management - November 2012

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Lower Your Bills with Negotiate It iPhone App
Negotiate It iPhone and iPad app helps you reduce bills, interest and late fees.

Negotiate It

I Will Teach You To Be Rich, Inc.
You've probably heard about someone who has negotiated down the cost of their cable bill or credit card interest and wished you could do the same. This app gives you word-for-word scripts so you can do just that. Negotiate It promises to save you hundreds of dollars on car insurance, cell phone bills, cable costs, checking account overdraft fees, credit card late payment fees and interest rates.

This app was developed by Ramit Sethi, author of the book, I Will Teach You to Be Rich (compare prices), and the website with the same title which offers tips for money management, searching for a job and self employment.

In addition to the scripts you can follow to negotiate over the phone, the Negotiate It app also offers the ability to record your savings and notes for each call, reminders for when you should call again to be sure you're paying the lowest rate and a list of phone numbers for companies you would commonly call to discuss bills and fees.

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