For those of you who don’t use an online personal finance tracking tool, you are missing out big. These tools are the cornerstone of my budgeting and tracking. They save me boatloads of time and are all 100% free. Here are the ones I am using today.
General Personal Finance Management
In the volatile world of free online money management tools, we have seen many great options come and go. For more options, check out my list of Mint Alternatives.
My new favorite money site is Personal Capital. The site is focused primarily on investments, but it has great cash flow and transaction tracking tools as well. Like the two sites below, Personal Capital is 100% free for their main service.
I signed up for Personal Capital to give it a whirl, and found that I was overpaying on my mutual fund fees by quite a bit compared to some other options. I moved some investments around and will be saving hundreds of dollars every year going forward.
Thanks Personal Capital! Give it a try for free today.
The oldest popular option in the account aggregation space is Mint.com. It is a great site, but customer service has gone down significantly since it was acquired by Intuit. If your accounts are all working, the site has great features and a smooth interface. If not, you are on your own and they may not be fixed correctly.
Credit Report and Credit Score
Get a free credit score once a month along with advice on how to improve your score from Credit Sesame.
Get a full credit report with your credit score twice a year from Quizzle, along with credit and personal finance tips tailored to you based on your credit report and information you provide.
Best Bank Account
Charles Schwab Bank Investor Checking
I have my primary checking at Charles Schwab Bank, as I was already a customer of their investment service.
- No fees for typical banking activity
- Free ATM use worldwide – automatic reimbursement
- Instant transfer to/from Schwab investment accounts
- Free transfers to accounts at other banks
- Free checks, if you still even use those
- Free online bill pay
Easy Investing: Betterment: Free Sign up + $25 Bonus! Start now!
I took up a fellow blogger on the offer to try Betterment with a $25 bonus. I am glad I did. It is an easy site to use and can help you automate your investing to match your cash flow and investment goals. It is the single easiest investment tool I have ever used.
Peer to Peer Lending: Lending Club
P2P lending lets you make money like a bank. You put in a portion of someone’s loan in $25 increments. You keep the interest payments. With no bank in the middle to take out the profits, they go to your pocket. Just make sure to get a basket of diverse loans to spread the risk.
Running a Website
Domain Registration: GoDaddy.com
I have used GoDaddy since I started running websites in 2006. I keep all of my domains there due to the reasonable prices and easy interface.
Website Hosting: SiteGround
This host is affordable, powerful, and responsive. I send all of my website design and development clients to SiteGround because they are the host I trust most for the best value available.
WordPress Theme: Genesis Framework
For all of my sites, I use the Genesis Framework. Genesis, coupled with a premium child theme, is the easiest way to build professional, highly customization friendly websites. With built-in SEO tools and add-ons to build beautiful sliders, custom image areas, and styles, I highly suggest Genesis for almost any WordPress based site.
Logos: 99 Designs
I had my logo designed with a contest at 99 Designs. More than 20 designers submitted over 100 logo designs. I worked with the designers to pick the one I liked best and used the useful tools to provide feedback and poll my friends. I highly recommend 99 Designs for any logo or graphic project for your blog, website, or print needs.
Business Cards: Moo.com
Moo Cards offers an easy-to-use platform to build your own high quality, custom business cards exactly the way you want. Whether you are looking for the stand-out Moo Mini cards or something more traditional, Moo can handle whatever you need.
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