Resources I Recommend
I’m asked all the time what tools and resources I recommend for those looking to get started with their financings. From budgeting to investing to saving a little extra money, here are all of my favorites!
Resources to Manage Your Personal Finances
YOU NEED A BUDGET – BUDGETING APP
You Need a Budget (aka YNAB) is hands-down the best budgeting app I’ve seen. I personally use it for both my business and personal finances, and I recommend it to all of my clients. Unlike traditional budgeting apps that just track your spending, this one forces you to get super intentional about your budget and give every dollar a job. It helps to build good financial habits in a way that no other app I’ve seen does.
PERSONAL CAPITAL – ONLINE FINANCIAL MANAGEMENT
Personal Capital is an online wealth management tool that allows you to connect to and track all of your financial accounts. You can look at the big picture of your money and track your net worth and your progress toward financial goals.
BETTERMENT – ROBO-ADVISOR
Most of my clients want to get started with investing, but they have no idea how to get started. For those who don’t want to be super hands-on with their investments, a robo-advisor like Betterment is a great choice. You tell Betterment your financial goals and time horizon, and it’ll choose suitable investments on your behalf. It’s the tool I use for my self-employed retirement account!
COMMONBOND – STUDENT LOAN REFINANCING
One of the most important steps of our debt payoff journey was refinancing my husband’s private student loan, which had a ridiculously high interest rate. We loved CommonBond because not only did they offer us the best rate, but they also partner with Pencils of Promise to use some of their earnings to provide education in the developing world.
HONEYFI – COUPLES BUDGETING APP
When Brandon and I were engaged but not yet married, we wanted a budgeting app that would allow us to manage our finances together without actually combining our finances. That’s exactly what we found with Honeyfi. It allows you to connect all of your accounts to the app, but only share certain information with your partner (meaning you don’t have to share logins and private accounts).
RAKUTEN – CASH BACK APP
Rakuten is a cashback app that allows you to make money from your online purchases. Nearly every store will give you cash back, and then you’ll get a check once per month with your earnings.
FETCH – GROCERY REWARDS
I LOVE using Fetch to get cashback on my grocery spending. Each week immediately after I finish grocery shopping, I scan my receipt into Fetch and it gives you cashback. I’ve been using it for just a short time and have already been able to cash out for three different gift cards!
IBOTTA – CASH BACK APP
Like Fetch, Ibotta is a cashback app for grocery shopping. With this app, you get cashback on specific items that you can see in your Ibotta app. Like Fetch, the cashback points can add up quickly and you can get gift cards, or just take the cash.
TRIM – BILL NEGOTIATOR
Negotiating your bills is a great way to lower your expenses, but most people don’t know where you start. Trim negotiates your bills on your behalf so you don’t have to do the dirty work. It also goes through your expenses to find subscriptions you may no longer be using.
Resources to Manage Your Business
QUICKBOOK – BUSINESS ACCOUNTING SOFTWARE
If you’re making money from a business or side hustle, you need to be tracking your business finances. QuickBooks is my favorite tool for that. And here’s a secret for you – If you use TurboTax to file your taxes, then you get QuickBooks for free!
FLODESK – EMAIL MARKETING SERVICE
I’ve tried a handful of different email service providers over the years, and I got so excited when I finally found Flodesk. It’s simple to use, unlike most of the services I’ve used. Plus it’s extremely affordable and a flat rate rather than based on your subscriber number.
PAYHIP – ECOMMERCE PLATFORM
When I first started offering digital products online, I had no idea how to actually accept payments without investing in an expensive e-commerce platform. Payhip allows you to accept payments for your digital products, and their plans start with no monthly fee. You only pay for the service when you’re actually making sales.