Need a replacement for Mint? Make sense of your budget, get a grasp on your household spending, or check your credit score with the best apps we've tested for managing your personal finances.

Personal finance advice is prescriptive. The idea is if you follow the advice, everything will work out. What personal finance advice gets wrong is that it only works for certain people, such as the upper classes who have any discretionary income in the first place.

From legislative changes to economic trends and consumer behaviours, here are 25 financial highlights that defined the last two and a half decades.

Managing your finances can be tricky, but with the help of personal finance apps, tracking your expenses and sticking to a budget can be very manageable and efficient.