The Best List: 17 Tools to Improve Your Financial Life

What’s in your “financial toolbox?” Building net worth is a lot easier when you have the right tools in place to help you make more money and spend less money every month.

I put together this list of the products and services that I personally use to manage my finances  — many are free!

Referral links are how this blog makes money, so I’ve included a few of them below. Let me know if there’s something you think I should try out and add to my list…

Budgeting and Investing 

  • Google Sheets: I use the free budgeting template that’s included with Google Sheets to manage my money and track expenses on the go with the app. (Read my review)
  • Personal Capital: Free tool lets you enter your target retirement age and see if you have enough money to support your goals.

RELATED: 6 steps to pay off your mortgage faster

Banking 

  • Discover Bank: This is my favorite online checking account! Features include 1% cash back on debit card purchases, no monthly fees and access to over 60,000 surcharge-free ATMs.
  • CIT Bank: My online savings account has a very competitive interest rate with a $100 monthly deposit. (Read more here)

RELATED: How I’m using 5 bank accounts to save more money 

Credit Cards 

RELATED: Best credit cards: My strategy to earn the most cash back

Cash Back Websites and Apps 

  • Ibotta: Download this app to earn the most cash back for your grocery purchases. I’ve made more than $3,000 in five years. Get started with a welcome bonus.
  • Fetch Rewards: Use this grocery rebate app along with Ibotta to maximize your rewards! (Read my review)
  • TopCashback: If you do a lot of online shopping, start with TopCashback to earn cash back from your favorite retailers. I prefer this website over Rakuten.

Make More Money 

RELATED: 5 easy ways to work from home and make extra money online

Lower Your Monthly Bills

  • Visible: Unlimited talk, text and data for $40 per month from Visible, a low-cost cell phone service that’s owned by Verizon and uses its network. (Read my review)
  • Xfinity Mobile: Available to Xfinity internet customers only, this cell phone service runs on Verizon’s network and has lowered my bill to $12/month before taxes and fees. (Read my review)
  • Sling TV: Ditch cable TV and start streaming CNN, ESPN, HGTV and more with Sling TV for as low as $30/month. (Read my Sling TV and Philo comparison)
  • Hulu with Live TV: This is the best overall live TV streaming service that can replace cable. It has a great channel lineup, cloud DVR and includes access to Hulu’s entire streaming library for $54.99/month.
  • Trim: This bill-cutting tool gets me refunds for cable and internet service interruptions. (Read my review)

RELATED: 9 ways to lower your bills and save money every month

Savings Builder

2 thoughts on “The Best List: 17 Tools to Improve Your Financial Life”

  1. Hi, I just found your site tonight and while I have already been implementing several of your tools, I definitely have gained a lot more tips and tricks! Thanks for sharing!

    Regarding the credit cards you recommend… I work with a lot of people, women/moms especially, who’s credit has been severely damaged. Would any of your favorites – or others you’re aware of – have more flexible credit / qualifying requirements? and/or provide some way for them to utilize perks of a card while re-building their credit at the same time? Thanks for your advice!

    1. Thanks for writing in. For people who are rebuilding their credit, I don’t think it’s about rewards at all. The mission is to build credit and get the score back up. I would encourage them to research secured credit cards if they can’t get approved for regular cards. After a period of paying off their balances in full every month, the score will increase and they’ll be able to get rewards cards down the road.

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