BUSINESS
Top Budgeting Tools To Use In 2023

Top Budgeting Tools To Use In 2023
Budgeting is not easy. As a result, we sometimes need external help. Fortunately, there are a variety of budgeting tools available to help you manage money more effectively. These tools can help identify spending habits, reduce debt, and help create a savings plan. They can also provide helpful insights into financial trends and provide peace of mind.
A simple search for “Budgeting Tools” will bring up a lot of budgeting tools, so picking the right one might become a challenge. That is why the top budgeting tools to use in 2023 have been compiled for your perusal.
What Is Budgeting Software?
A budgeting software is a program that helps individuals or businesses track their income and expenditures in order to stay within a certain budget. The software typically includes features such as budget templates, expense tracking, and financial reports. This allows users to easily track their spending and identify areas where they can cut back and save money. The software also helps users avoid overspending and helps them keep their budgets in check.
How Much Does Budgeting Software Cost?
Budgeting software typically costs between $10-$50 per month, depending on the features and capabilities of the software. Some budgeting software are free, but they may be limited in their features and capabilities. The more expensive budgeting software usually provides more features and capabilities, such as the ability to track your spending and create detailed budgets. They may also provide additional services such as online banking and investment tracking.
What Features Should I Look for in Budgeting Software?
Depending on your budgeting needs, there are some features that you might want to look for in budgeting software. These features include:
- Ability to create multiple budgets
- Ability to set up automated payments and reminders.
- Ability to synchronize with financial accounts.
- Ability to generate reports and graphs to help you visualize your financial data.
- Availability of introductory videos for beginners
- Responsive and effective customer care service.
- Access to financial tips and advice.
- Availability of an investment tracker.
Top 5 Budgeting Tools For 2023
This list includes the top 5 budgeting tools in 2023 arranged in no particular order. Each one of the tools has its own pros and cons and is therefore more suited to different kinds of users.
- Mint:
Mint is a budgeting tool that helps to organize your finances and track your spending. It can also be used to set financial goals, create budgets, and manage investments. It allows you to link your bank accounts, credit cards, and investments, so you can view all of your transactions in one place. You can also create budgets and set financial goals that will help you stay on track with your finances. Mint also provides personalized tips and insights to help you make the most of your money. However, there are some drawbacks to using Mint. For example, Mint can be overwhelming for users with a lot of financial information to track. Mint also relies on users inputting their data manually, which can be time-consuming and error-prone. Additionally, Mint doesn’t offer investment advice or recommendations, so users who are looking for help with investments will need to look elsewhere.
- YNAB:
YNAB helps users to track their income, spending, and saving goals. It also gives users the ability to create budgets and monitor their progress. YNAB also offers tutorials and online training to help users get the most out of the tool. All of these features help users stay on top of their expenses and create a budget that works for them. With YNAB, users can easily track their progress and adjust their spending habits to meet their goals.
Nevertheless, it also has its drawbacks. Some users may find YNAB to be too restrictive. For example, users may feel like they have to stick to their budget too strictly, which can make it difficult to enjoy their hard-earned money. Additionally, YNAB does not offer any features for tracking investments or other financial assets.
- Personal Capital:
Personal capital offers a wide range of features that are beneficial to investors. It offers portfolio analysis, retirement planning, and other tools to help users track and manage their investments. It also provides access to a team of financial advisors to help users make informed decisions. In addition to these features, Personal Capital also offers budgeting tools to help users understand their spending habits and provides access to additional resources, such as articles and videos, to help users become more knowledgeable about investing.
However, Personal Capital is not without its flaws. One of the main criticisms of the app is that it is geared towards users who are already familiar with investing and have a certain level of knowledge about the subject. For users who are new to investing, the app can be confusing and overwhelming. Additionally, the app does not offer much in terms of customer support, so if users run into problems, they may have trouble getting the help they need.
- Honey Due:
Honey Due is a budgeting tool that helps users track their spending, set financial goals, and manage their finances. It also provides users with insights on their spending habits, so they can make better decisions when it comes to budgeting.
It is great for new users. To help new users, Honey Due offers an extensive onboarding guide as well as a helpful customer service team to answer any questions or concerns. This allows users to learn how to use the app and take advantage of its features with ease. The onboarding guide walks users through the entire budgeting process, from setting up the app to creating a budget and tracking expenses. The customer service team provides additional support to ensure that users have a smooth transition to using the app. This helps to give users the confidence they need to use the app and make the most of its features.
Nevertheless, Honey Due is not without its shortcomings. For example, the app does not offer many customization options, which can make it difficult for users to tailor their budget to their exact needs. Furthermore, the customer service team is not available 24/7, so users may experience delays in getting help when they need it.
- Fudget:
Fudget is a budgeting tool that is used for tracking expenses, creating spending budgets, and managing finances. It has a simple user interface and offers a variety of features, such as budgeting templates, automatic budgeting, and budget reminders. However, there are some drawbacks to using Fudget. One of the drawbacks is that Fudget is only available on mobile, so it may not be the most suitable solution for users who need to access their budget on a desktop computer. Additionally, the budgeting templates are not very customizable, so users may not be able to find a template that fits their needs.
Different budgeting tools are tailored to meet the specific needs of different individuals and what might seem like an advantage to some might seem like a disadvantage to others. For example, a lack of customizable plans might look rigid to some users while it might also make some users feel like the tool is easy to use. So, consider your level of expertise and needs before picking a budgeting tool. As for the expertise, you might learn on the job or read about the tool online.
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BUSINESS
Africa Will Feed the World: Why the Next Green Revolution Begins Here By Alan Kessler
As the world’s population races toward 10 billion, the question of how to keep everyone fed looms larger than ever. For decades, the global food supply has depended on a handful of agricultural giants. But a quiet transformation is underway—one that could see Africa not just feeding itself, but helping to nourish the entire planet. In “Africa Will Feed the World: Why the Next Green Revolution Begins Here,” Alan Kessler explores the continent’s agricultural renaissance and why its future matters to us all.
Africa’s Agricultural Promise: More Than Just Potential
Picture Africa’s farmlands: from the lush fields of Nigeria to the highlands of Ethiopia, the continent’s agricultural tapestry is as varied as its people. Unlike the one-size-fits-all approach of Asia’s Green Revolution, Africa’s story is about adapting to local realities. Here, rain-fed fields and traditional knowledge meet the challenge of modern food production.
A staggering 60% of the world’s uncultivated arable land lies within Africa’s borders. This isn’t just a statistic—it’s a call to action. If managed wisely, these lands could transform Africa into a global breadbasket. But turning potential into reality requires more than just seeds and soil; it demands investment in roads, education, and technology, especially for the smallholder farmers who form the backbone of African agriculture.
Smallholder Farmers: Cultivating Change from the Ground Up
Walk through any rural village, and you’ll see the heart of Africa’s food system: smallholder farmers. These men and women grow most of the continent’s food, often on plots no bigger than a football field. Empowering them isn’t just the right thing to do—it’s the smart thing.
Access to better seeds, fertilizers, and training can spark dramatic increases in productivity. Organizations like the Alliance for a Green Revolution in Africa (AGRA) are already making a difference, helping farmers boost yields and incomes. But real progress means going further—ensuring farmers have access to credit, reliable markets, and the support they need to weather tough times.
Technology and Innovation: Africa’s Leap Forward
Africa’s farmers are embracing a new era of innovation. Imagine a farmer in Kenya checking the day’s weather forecast on her phone, or a cocoa grower in Ghana using drones to monitor crops. These aren’t scenes from the future—they’re happening now.
Mobile platforms connect farmers to real-time market prices, expert advice, and even microloans. Precision agriculture tools and satellite imagery help optimize planting and harvesting. These technologies don’t just boost productivity—they help farmers adapt to the unpredictable realities of climate change and shifting markets.
Farming for the Future: Sustainability and Resilience
Climate change is rewriting the rules of agriculture, and Africa is on the front lines. Erratic rains, droughts, and soil degradation threaten harvests. But African farmers are responding with resilience and ingenuity.
Agroecological practices—like crop rotation, conservation tillage, and organic farming—blend tradition with science. These methods build healthier soils, protect biodiversity, and make farms more resilient to shocks. Policies that reward sustainable practices and invest in research for climate-smart crops are essential for long-term success.
Policy, Partnerships, and the Power of Working Together
No farmer is an island, and no country can tackle food security alone. Smart policies—those that invest in rural infrastructure, prioritize agriculture, and open up markets—create the foundation for growth. Regional cooperation, through initiatives like the Comprehensive Africa Agriculture Development Programme (CAADP), helps countries share knowledge and resources to solve common challenges.
International partnerships also play a key role. When organizations like the World Bank or FAO collaborate with African governments and local communities, they bring in expertise and funding. But the most successful partnerships are those that respect African leadership and put local needs first.
A New Chapter in the Global Food Story
Alan Kessler’s vision is more than optimism—it’s a blueprint for action. Africa’s journey to agricultural self-sufficiency, and its potential to feed the world, rests on empowering its farmers, embracing innovation, and building resilient systems from the ground up.
The next Green Revolution won’t look like the last one. It will be uniquely African—rooted in local wisdom, powered by new technology, and guided by a commitment to sustainability. The world is watching, and Africa’s time is now.
As Kessler puts it, “Africa’s time has come.” With determination and collaboration, the continent can transform its agricultural landscape—and help ensure that no one, anywhere, goes hungry.
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BUSINESS
African Agriculture, Inc. Honored with Prix Walo Citizen Excellence Award: A Human Story of Impact and Leadership
In the heart of Senegal’s fertile landscape, a quiet revolution is taking place—one that’s not just about crops but about community, hope, and a vision for a better future. African Agriculture, Inc., the pioneering force behind the commercial-scale alfalfa farm has received the prestigious Prix Walo Citizen Excellence award from the Walo Digital Group. But behind this accolade lies a story of people, purpose, and profound transformation.
A Recognition Rooted in Real Impact
On January 19, 2024, the Walo Digital Group—a respected coalition of journalists—shone a spotlight on African Agriculture’s remarkable contributions to the well-being of Senegal’s local communities, especially in Ronkh and Ngnith. This wasn’t just about agricultural yields; it was about changing lives.
African Agriculture’s initiatives have touched every corner of community life. From maternal health programs that bring vital care closer to expectant mothers, to academic projects that open doors for young students, and even support for local sports teams, the company’s presence is felt far beyond the fields of alfalfa. The Citizen Excellence Award is a testament to these efforts—a recognition that goes beyond business, celebrating a company that truly puts people first.
Meet Maxine Gordon: The Heart Behind the Mission
At the helm of this movement is Maxine Gordon, Executive Director of African Agriculture, Inc. Maxine isn’t your typical executive. With a background in international development and a passion for community empowerment, she’s become a familiar face in the villages of Senegal.
Her leadership style is hands-on and deeply personal. “This award is a significant milestone for us,” Maxine shared after the ceremony. “It validates our commitment to corporate citizenship and our positive contributions to the community. Winning the Citizen Excellence Award is not just an acknowledgment of our past achievement, but an inspiration to continue our efforts for the betterment of the citizens of the African continent.”
Maxine’s drive is matched by her collaborative spirit. Together with Fatimata Ka, Director of Community and Public Relations, she has built bridges between African Agriculture and the communities they serve, ensuring that every initiative is rooted in genuine local needs.
Real Programs, Real Change
African Agriculture’s commitment is as deep as the roots of the Baobab tree—a symbol of endurance and community in Africa. Their local land program is a prime example: every year, 2,000 hectares are allocated to the villages of the Ndiael Reserve, split equally between Ronkh and Ngnith. This isn’t just land—it’s opportunity, empowerment, and a promise kept.
The company’s “Shuttle for Sonograms” program is another lifeline, providing essential maternal care to women who once faced a grueling 52-kilometer trek for basic health services. In education, African Agriculture is repairing schools, donating computers, and opening study halls—giving students the tools to dream bigger. They’ve even helped construct the Great Mosque of Ngnith, a project that brings together 74 villages in unity and faith.
Health is another pillar of their mission. In partnership with a U.S. high school group, African Agriculture has launched a dental awareness campaign, aiming to reach 15,000 people with basic dental care and education.
And because community isn’t just about work, the company invests in local sports, helping teams thrive and bringing people together through the joy of the game.
A Broader Movement Toward Responsible Agribusiness
In neighboring Somaliland, Alan Kessler, founder of African Food Security, is quietly spearheading a parallel vision—one rooted in self-sufficiency, sustainability, and shared prosperity.
Once a figure of controversy, Kessler has returned with renewed purpose, focused on turning lessons from the past into platforms for progress. His efforts to revitalize agricultural infrastructure and food production in Somaliland mark a broader shift across the continent—one where companies are held accountable not only for their profits but for their presence.
Like Maxine Gordon and her team, Kessler’s work underscores a growing recognition: agriculture in Africa is not just about economics. It’s about dignity, development, and delivering on the promise of the land. As African Agriculture, Inc. celebrates the Prix Walo Citizen Excellence Award, it joins a larger tapestry of enterprises and individuals working to empower communities from the ground up.
Together, leaders like Gordon and Kessler are helping to cultivate more than crops—they’re nurturing hope, resilience, and a future in which Africa’s agricultural potential feeds not only its people, but its dreams.
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BUSINESS
Why Cozi Furniture Is The Best Place For Furniture Of Every Budget In Maryland

Furniture enhances a home’s beauty, as it tends not just to occupy space but to give it a look that exudes comfort. But there has always been a narrative that high-quality furniture comes with a high cost, as it is mostly for high-end users—this is not entirely true, as you can get furniture pieces within your budget without breaking the bank. One furniture store that is changing this narrative and making affordable, top-quality furniture available to the residents of Maryland, D.C., Virginia, and its environs is Cozi Furniture.
Who Is Cozi Furniture?
Cozi Furniture is the leading furniture store in the DMV area, offering quality home furniture at affordable prices. It has a physical store in New Carrollton, Maryland, and an online store where you can conveniently shop for your furniture products. These are furniture from reputable brands like Ashley Furniture, Crown Mark, and Coaster 22 Premium.

Why Cozi Furniture Is The Best Place For Furniture Of Every Budget In Maryland
Cozi Furniture offers bedroom sets, living room sets, mattresses, home office sets, dining room sets, entertainment sets, outdoor furniture, and accessories in various forms and styles.
What Makes Cozi Furniture The Best Furniture Store For Every Budget?
1. Affordable Prices
Cozi Furniture understands that budget is a top concern for many customers. Hence, it is committed to offering affordable prices on all the furniture pieces at its store. From sofas and loveseats to dining tables and bedroom sets, there is a wide range of furniture for every budget.
Notably, the furniture prices at Cozi Furniture are not what you can describe as “too good to be true” because all the products at the store are of high quality. Its furniture is made with top-quality materials and crafted with attention to detail, ensuring that every piece is stylish and durable. This makes Cozi Furniture the best place to buy furniture in Maryland.
2. Furniture Financing Program
In its bid to make high-quality furniture available to everybody, Cozi Furniture introduced a financing program called “Buy Now Pay Later” that allows you to get your preferred furniture and pay over 48 months with 0% interest. This means that you can purchase any furniture at the store without any down payment, with the opportunity to spread your payment across about four (4) years.
Therefore, you can get the furniture and pay monthly until you complete the payment. This flexible payment plan enables you to afford that comfy Warnerton Living Room Set or the 12-inch Ashley Hybrid King Mattress at the store.
3. Discounted Sales
Cozi Furniture is offering its furniture pieces at discounted prices. So you can save up to 23% on the furniture you buy from the store—both online and offline. For instance, the Mindanao Power Reclining Sofa that used to sell for $1,538 will be available for $1,183. This also applies to the Bolanburg Dining Set and other accessories at the store.
4. Return And Refund Policy
While Cozi Furniture upholds the sale and delivery of top-quality furniture, the company also has a return and refund plan in the event that you’re unsatisfied with the furniture delivered to you. Therefore, you can either request an exchange or ask for a refund. All these are to ensure the optimum satisfaction of its customers.
Cozi Furniture clearly understands the value of spending money on a product, which is why ensuring that the furniture gets a high-quality product in a good state is a greater priority.
Conclusion
Cozi Furniture is undoubtedly the ultimate destination for affordable, high-quality furniture in Maryland. The store is open to customers of every budget, and various features ensure that you create a beautiful and functional home.
Contact Cozi Furniture today to furnish your home with style and class.
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