Julep

The Julep app sends a daily push notification to encourage you to acknowledge unplanned expenses and your emotions around them. The app aggregates these check-ins in a heat-map to highlight emotional spending patterns over time.

Julep's innovative approach combines cognitive behavioral therapy (CBT) techniques with a daily overspend tracking system to help users identify and change negative spending patterns. By better understanding where their money is going, users can develop positive spending habits and reduce overspending.

Julep's overspend tracking system, delivered in the form of a daily check-in, is easy to use and provides users with a clear picture of their spending habits. The app also includes CBT techniques that help users identify the emotions driving their overspending.

As an example, this app is suited for users who notice that they are consistently overspending on entertainment or dining out. They can use CBT techniques to challenge the thoughts and beliefs driving this behavior. They can then also use the data from our spending tracker to build awareness of their patterns and triggers over time.

Overall, Julep’s combining CBT techniques with a daily spend check-in is the first step to improving financial well-being and reducing stress and anxiety related to money management.