There are hundreds of ways to manage your money and plenty of services out there to help you. I’ve tried and tested hundreds of them and settled on these as my favorites that I currently use. This page contains affiliate links which means I’ll earn a commission if you sign up. This helps support Pennies Not Perfection but all opinions are my own and I use each tool listed personally.
Money Saving Websites
Swagbucks: I’ve used Swagbucks for yes to earn free gift cards and cash. You can play games, take surveys, surf the web or shop to earn points you can exchange for gift cards or cash. Sign up for Swagbucks here.
Rakuten: With Rakuten you earn free cash back for shopping online like you normally would at hundreds of stores from Kohls to Amazon and more. Rakuten splits affiliate commissions with you as a thank you for going through their links. You also get $10 just for signing up! Sign up for Rakuten here.
Mint: I use mint.com and it’s iphone/ipad apps to budget and track my expenses. Every cent I spend is done through credit cards which then is tracked through mint which helps me organize my expenses and see where I can improve. Mint has been incredible and changed how I manage my money. If you have no clue what is happening with your finances I recommend using mint to tune in and discover where your money is actually going. Get Mint for yourself.
Budgeting printables: After using stickers items created by other people I eventually created my own budgeting printables that fit my own style. I offer them for sale on my Etsy shop for anyone else that prefers a clean design where you can stay organized and keep it simple. Get the budgeting printables here.
Qube Money: Qube is a company I got to know when I attended my first FinCon. This financial tech company has created digital cash envelopes that make budgeting with cash easy in the digital age. After struggling with the insecurity of using actual cash, I knew the principals of cash envelopes combined with the technology of debit cards was the solution to spending that worked best for me. Get Qube here in spring 2020.
Investing Platforms I Love
Vanguard: Vanguard has been the place where I’ve invested since college and even within other investment accounts below, I choose Vanguard funds. They focus on index funds and very low cost investing with few fees. Start investing with Vanguard.
Bonus! I’m proud to be working with Ellevest to help get more money in the hands of more women. If you open an account through my link … I’ll earn a commission and Ellevest will give you $50 when you make your first deposit.**
Robinhood: Robinhood is an app where you can buy and sell stocks and build a portfolio. Many people use Robinhood to build up a dividend stocks portfolio that is an extra source of income. You also get 1 free stock just for joining! My husband used Robinhood for years before me but finally got me involved to pick a few favorite stocks. Sign up for Robinhood here.
M1 Finance: I recently started with M1 Finance after falling in love with seeing other people’s portfolios on their app. They have the prettiest and most user friendly app of any investing platform. They also let you buy fractional shares which means you can start buying things like Apple and Tesla for small amounts of money (I personally have these in my pie)! Start investing with M1 Finance.
Helpful Credit Tools
Credit Karma: This useful tool offers your credit score free, tips to improve it, and free monitoring for fraud. We signed up for expensive credit monitoring elsewhere at first, but now use this free version. Check your credit at Credit Karma.
Credit Sesame: This site also provides a free credit score and tips to improve credit. It’s great to check your credit score for free in multiple services so you know where you stand. Your score affects whether you are approved for a loan, get an apartment, are hired for certain jobs. Checking your score is the first step to raising it! Check you credit with Credit Sesame.