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.
- 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 2.45% interest rate with a $100 monthly deposit. (Read more here)
- American Express Blue Cash Preferred Card: 6% cash back at grocery stores and 3% at gas stations ($250 sign-up bonus)
- Barclays Uber Visa Card: 4% cash back on restaurants, 3% on travel, 2% on online purchases, 1% on everything else and a $50 credit for online subscription services if you spend $5,000 a year! No annual fee.
- Discover it Cash Back Card: Rotating categories with 5% cash back; rewards matched after your first year ($50 sign-up bonus)
Cash back websites and apps
- Ibotta: Download this app to earn the most cash back for your grocery purchases. I’ve made more than $2,000 in four years. Get started with a $10 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 Ebates.
Make more money
- Amazon Mechanical Turk: Make extra cash from home in your spare time by completing micro-jobs like transcriptions and surveys. (Read my review)
- Swagbucks: Earn gift cards by surfing the web, watching videos, taking surveys and more. I make about $25 a month.
- FocusGroup.com (Focus Pointe Global): Sign up and see if you qualify for paid focus groups at Focus Pointe Global’s 20 centers nationwide and online. (Read my review)
Lower your monthly bills
- 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 $25/month. (Read my Sling TV and Philo comparison)
- Hulu with Live TV: This is the best overall live TV streaming service. It has a great channel lineup, cloud DVR and includes access to Hulu’s entire streaming library for $39.99/month.
- Trim: This bill-cutting tool gets me refunds for cable and internet service interruptions. (Read my review)