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


  • 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