Who doesn’t love all things free? Pretty much everyone does. But even more so when it comes to managing your money. Free money management tools can make quite the difference in your money journey.
Help you take the next step and keep you committed.
Because if you have to spend money to get your money situation under control, you may be tempted not to do so. Would you agree?
But no worries, there are a ton of free money management tools out there to help you get a better grasp of this money thing.
Free money management tools to save you money.
The three digit number – that can save you or cost you money.
For starters the foundation of a good financial standing starts with your credit score and history.
At some point you’ll want to take out a loan or a credit card for something.
Maybe you’ll be interested in buying a new car, home, renting an apartment, or even starting a new job. In which case your credit will matter.
A good credit score will allow you to negotiate a lower interest rate.
While a low credit score will saddle you with extra costly requirements such as deposits, down payments, super high interest rates.
Having a low interest rate can allow you to save hundred of thousands of dollars during your lifetime. Specifically if you ever buy real estate.
And if nothing else, knowing your credit score alone can help you make changes to fix it.
And the best part about these free money management tools is that it will provide credit improvement tips. So you always know what you should be doing to get the results that you are looking for.
You can also have the peace of mind that checking your credit score won’t negatively impact it.
Grab your credit score for free here.
Free money management tools (Grab your report for free too).
In addition to your credit score, you’ll also want to monitor the actual activity listed on your credit report.
Your credit report will provide insight on how your financial behavior has impacted your credit score.
Another important aspect of checking your credit report is ensuring that the activity is accurate.
Discrepancies and mistakes on your credit report or even fraud are possible. You want to ensure that what is listed on your credit report is accurate.
Free money management tools – know your financial standing.
It sounds obvious that you should know where you stand financially. But way too often it’s an aspect of your life that’s overlooked.
You may have somewhat of an idea, but until you tally up your finances – you might be unaware of just how much debt you have. Or how much you don’t have saved.
But it doesn’t have to be all bad news. Knowing where you stand can help you make improvements, change your process, and better manage your money.
With Personal Capital, you’ll be able to track your savings, debt, investments, retirement accounts, and know exactly what your net worth is.
You can even use Personal Capital to budget and track the ins and outs of where your money is going.
Use this free management tools to –
- Track your money
- Know where you stand
- Make improvements
- And even uncover areas where you are potentially overspending.
Find out where your money is going with Personal Capital.
Related: Do you have these bad money habits?
Free money (And free money management tools).
If you work a 9-5 and your employer offers a 401k match, you absolutely should be at least contributing the full amount that your employer will match.
Um it’s FREE money.
And not contributing the full amount means you’re throwing free money away.
And if you want to have your 401k checked out to make sure that your contributing enough, are using the right mix of investments, or aren’t being charged crazy large fees – have it checked out for free with Blooom.
Blooom will analyze your 401k and be able to provide insight on areas of improvements.
Whether it’s hidden fees or not enough of a return – Blooom will help you identify how to manage your money the right way.
See if your 401k is set up to maximize your money, here.
Personal finance assistant
Everyone could use a personal finance assistant, am I right?
Specifically since signing up for things you don’t need or don’t even realize your paying for is easier than ever.
With this free money management tools your assistant will analyze your expenses and identify if there is potentially a cheaper service out there for you . And even give you the opportunity to reconsider if you really want to pay for expense.
And if you decide you no longer want that subscription you aren’t using. Your super helpful personal finance assistant will cancel the services you no longer want to pay for.
Save money and stop paying for things you forgot about.
Check out Trim today.
Earn cash back without a credit card.
Having a credit card can be a great thing for earning rewards, points, and cash back.
But more often than not a credit card user doesn’t use a credit card responsibly.
What does that mean?
Most credit card users spend way more on their credit card than they can actually afford.
And as a result pay hefty interest charges. And have $16,000 worth of credit card debt.
If you know that a credit card will cause more harm (ahem debt) than good (rewards and cashback) than skip the credit card and use these apps instead.
Ebates shop smart with one of the larges cash back sites. There are over 2,000 retailers listed on the site.
Macy’s, Sephora, Walmart, Kohl’s are just a few of my favorite shops that I use Ebates for.
Sign up and earn cashback for shopping basically anywhere.
Ibotta , Heading out to grocery shop, buy toiletries, or even book your next vacation.
Check out the cash back offers that Ibotta provides.
Get a $10 bonus in your account, just for signing up.
A lot of money is wasted on food.
- We let it spoil.
- Buy food we already have at home aka duplicates.
- Don’t plan our meals accordingly.
- And even worse grocery shop and then order takeout or grab fast food instead.
Spending double or more on food doesn’t have to be the case.
Meal planning isn’t everyone’s cup of tea, I get it. Searching for meals, writing down recipes, and creating your shopping list so you can avoid grabbing takeout instead.
The simplest and cheapest solution : the $5 Meal plan .
It’s an amazing service that sends you weekly meal plans with ingredients and a grocery list included.
Um time saver!
But even more than that, the $5 meal plan helps families save money on the cost of the meals itself.
Try the free trial, and join the families that have already saved hundreds and thousands of dollars.
Related: The many ways your wasting money.
Knowledge is power.
Books that will help you get your money in order:
Related : 8 books to master your money (and time).
Not sure, if your leaving money on the table?
You might be.
If you’ve made a purchase and then that item soon goes on sale… it’s likely that the drop in price probably goes unnoticed.
And you might be leaving money on the table. When you don’t have to.
With Paribus you can make more money without the hassle.
Paribus will analyze your email to find receipts and then use those receipts to get some of your money back.
Paribus monitors specific retailors and price drops that occur – then when a purchase you made goes down in price Paribus will grab a refund for you.
Just because you aren’t where you want to be money-wise doesn’t mean you can’t be.
Each of these free money management tools will help you tackle your money goals. (Whatever those may be: save money, pay off debt, invest, or not have to worry about money all that much).
And the best part, being responsible or financially savvy doesn’t have to cost money.