Financial ToolboxThis is a collection of all the financial resources we’ve discussed on the site and in the podcast. We’ve used all of these services personally and think that they can really help you in your quest of kicking debt’s ass and building your stash.
The links on this page are affiliate links, and at no additional cost to you, we will earn a commission if you decide to make a purchase. We have experience with all of these products and wouldn’t recommend them if they weren’t top notch. If you’ve found this blog helpful and plan on using any of these services we would greatly appreciate you doing it though the links below as they help make this blog possible. As always, thanks for reading!
Budgeting and Bills
These are some products that we use to manage our budgets automatically. Mint is by far our favorite app for managing our budgets, and Ready for Zero is great for anyone looking to pay off their credit card or student loan debt.
A really great free budgeting tool. I use it and if you’re just starting out, I think you should too. If budgeting scares you, just follow my step by step budgeting guide.
They are the only free integrated tool that will track all of your debts, help you come up with a solid debt reduction plan and remind you when payments are due. If you upgrade to their paid tier you can also have them schedule and make debt payments for your basically automating the entire process and we’re all about automation here.
We love credit cards, as long as they’re used and paid off every month. We both have a few credit cards, but these are our favorites.
If you have good to excellent credit, this card is worth your time. Reward points are competitive with the best cards out there and their customer support is awesome. I haven’t had a bad experience and I’ve used it pretty much everywhere I’ve been.
This is the credit card that Matt uses to get cash back. The credit requirements are reasonable and the rewards are surprisingly good. With their rotating 5% cash back categories, most months of the year you can average well over 1.6% cash back on your purchases which pretty much owns. Nuff said.
Investing in the stock market is the easiest way to make money. Let your money make more money automatically. Betterment is by far the product we talk about the most because it’s truly the easiest way to start investing today.
Not everybody has time to meticulously manage their investments. In fact, it usually doesn’t make sense since 79% of all money managers don’t beat the market!
I manage my money here. Their graphs are awesome, they send me weekly updates by email, I got a free consultation with a professional money manager AND their 401k fee analyzer is top notch. I HIGHLY RECOMMEND THIS SITE!
In order to grow your wealth, debt is the only thing standing in your way. Debt is the devil, and your financial portfolio suffers when you have too much. Do yourself a favor and do whatever it takes to get rid of it. Here are some tools and services that will help.
When you’re in debt, especially credit card debt, one of the most important things to do is consolidate your loans to reduce the cost of your debt. LendingTree is a loan market place where banks complete for your business. If you want a killer bank backed rate, this is the only place worth looking.
These guys are a debt consolidation and negotiation service. In our free ebook that you get from subscribing we explain how important it is to negotiate reducing the amount you owe and lowing interest rates. National Debt Relief does that stuff for you.
We are foodies, and even though we budget ourselves, food is still something we don’t mind spending our hard-earned money own. However, being smart about how we buy food is nothing to discard.
I don’t believe in paying full price but I also don’t believe in never going out to have a good time. Restaurant.com is a happy medium. I go though their list of restaurants, pick a place I like and get their gift cards. I pick nice places that let me get $25 gift cards for $10 so I save 60% before I even walk in the door. Check it out, they have awesome places on there!
As self-proclaimed traveling gypsies, we want to showcase some of the tools and services we use to book amazing trips without breaking the bank.
You can find deals of the century here. I got a trip to Australia from here in 2012 and a 10 day trip with airfare, hotels and activities cost the same per person as it would have if I just bought round trip airfare alone. Felt like I got half a trip for free! I obsessively check their site for deals on trips I want to take. Why ever pay full price? I detail the whole story here.
Whether you’re on vacation or at home, you can use Viator to find out awesome stuff that’s going on near you for crazy discounted prices. I use the site religiously when I’m on vacation and as a result I’ve found some pretty badass places like a legit jazz bar for locals in Madrid. I’ve used it in NYC and it’s pretty much my goto spot for finding cool things to do without breaking the bank. I gush about Viator more here.
I don’t own a car so I save a shit ton of cash a month. I recommend all over the place, especially in our podcasts (like episode 3) that you try and not own a car. Instead of having your car slowly lose value and pay for annoying things like gas, just get a car for cheap when you need it. It would probably be better than the one you would own anyways (i.e.: BMWs).