Here are the resources I personally use to help manage my finances.
Mint (free). There are a lot of budgeting apps out there, but Mint has been helping me track and manage my spending and saving for over a decade. If you want something with a little more hand-holding and support, check out YNAB (reasonable monthly fee).
Personal Capital (Free financial software and tools, wealth management available at a fee. This is an affiliate link with a $50 signup bonus. If you become a wealth management client, you’ll get 3 months free). Personal Capital is sort of the “Mint” of investing. The financial software allows you to pull in all your investment accounts from all over into one handy dashboard. Watch your financial dreams become reality as you can then chart your overall progress towards your financial goals, such as retirement.
You can use the dashboard for free without having to enroll as a client of Personal Capital’s wealth management services. Upon signup, they will definitely try to recruit you to use their services; however, if you’re not interested, answer their phone call and tell them as much so they will leave you alone. Personally, we use and appreciate their wealth management services. I’ve tried convincing my husband into trying a robo-investor, but he’s been too happy with the results of our portfolio since switching to Personal Capital. PC has been good at making strategic decisions based on our portfolio as a whole and making sure we maximize tax benefits.
Just Getting Started with Investing?
You might be better off with one of the smaller robo-investors such as Wealthfront ($500 minimum) Betterment (no minimum to start investing). Their fees are extremely low (at the time I’m writing this, 0.25%).
Bankrate.com – This helps me stay on top of the current market rates for mortgages, savings, and money market accounts.
To Stay On Top of My Credit Report / Score:
AnnualCreditReport.com – (Free) I have a reminder on my calendar to pull my credit reports annually. If you want to see your report more often, you could space out your three reports from TransUnion, Experian, and Equifax evenly throughout the year. The service is free as guaranteed by the US Government. Unsurprisingly, they will try to upsell you on buying access to credit score, which is unnecessary because for that I use . . .
Credit.com – (Free) I also have a reminder to check my score here once a year. They break down your score into the five categories that make up your credit score (payment history, debt usage, credit age, account mix, and credit inquiries). Also, they’ll suggest a plan of attack to help you improve your score.
Those are my favorite resources! I’ll update this page regularly so you can always stay up to date on my favorites tools for keeping your finances in shape. – Lisa