There are tons of personal finance tools out there, some are free, some cost some money. I've put together a list of the best free personal finance tools. These free personal finance tools will help you budget better, save money, and kick debt in the face.
Mint gives you some default categories to start with but you can create and customize whatever categories you like. By connecting your bank account to Mint it will automatically track your spending so you know how much you have left in each category of your budget.
It works best if you stay on top of your spending, it will sometimes categorize things wrong. Even so, it is a great tool to get started with budgeting.
Numbers Budget Template or Your Own Excel Spreadsheet
If you have a Mac then you have Numbers which comes with a great budget worksheet with transactions in one sheet and your budget in the other. If you know a little bit about Excel then you can build your own budget worksheet as well.
Level Money is an app focused on analyzing your big financial picture and builds a plan for you based on your income and bills. It lets you know how much you can spend day to day or by week.
- 7 video lessons
- Course workbook to ensure you take action
- 7 daily emails to help you take control of your money
Envelopes
Yes, the ones in your desk drawer. The simple envelope system is a great way to start budgeting because it not only restricts your spending but it also lets you visualize where all your money is going.
Want to use the envelope system but don't want to deal with cash? Check out my How to Budget Successfully Every Time post, I outline how I used monopoly money and the envelope system.
For Frugal Living/Saving Money
Chime
I love Chime because it automates savings so I don't have to think about it, it just sets the money aside in a savings account. Making sure I don't end up spending it. Chime is a great way to start saving up for an emergency fund or fun money fund, whatever works for you.
Chime works by starting a spending account (takes 5 minutes) and opting into the automatic savings plan. (Learn more about getting started with Chime). Every time I use the Chime Debit Card it rounds up my purchase to the nearest dollar and puts in in savings. Right now they also offer a double round-up bonus on those savings. All those withdrawals add up over time. Chime is free to use, with no monthly fees. With Chime, you end up saving money without having to think about it.
Original article and pictures take i1.wp.com site
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