Which financial tools are completely useless even when used right?

Posting right after a 2 part question, one part is pretty much complete, the others is half complete. Thanks to the wonderful people there, I have the following 4 tools that are either useless or at the least, not necessary.<br><br>1\. Smart Savings Apps e.g. Qapital, Digit<br><br>2\. Credit Card Travel Rewards<br><br>For the others, I need your help. I have heard mixed reviews for the 4 below.<br><br>3\. Financial Advisors<br><br>4\. Budgeting apps.<br><br>The questions are:<br><br>a. Which tools do you use?<br><br>b. Which tools do you not use, and why?