financial tool box

I put together this list of products and resources that I love. Some of these are affiliate links so I do get credit if you use them, but in no way does it cost you more.

  Banking    

digit logo

DigitI’ve been using this free, new app for since March. It has already saved me $753! Basically, it learns your spending habits and then starts saving your money for you…automatically. I’ve written a review for you, interviewed the founder & CEO of Digit, and created a video so you can see Digit in action before you even start using it! Check out my full Digit review here.


about capital one 360

Capital One 360This is the bank I use for my checking account. No ATM fees at more than 38,000 ATMs. Plus, you actually earn interest on the money in your checking accounts. Another thing I love about them is that they actually calculate your balance including pending charges. When I had Bank of America I always had to whip out the calculator to figure out what my balance was going to be once these all went through. It’s the small things in life 🙂

Check out my full Capital One 360 review here.


ally bank logo

Ally BankI love Ally bank for their great online accounts with pretty decent interest rates right now. Yes, this is another online-only company, but I actually enjoy having this account more than my old account at one of the larger chain stores.  

 

 

Financial Software

Personal CapitalGreat for keeping track of your finances. Like Mint, it pulls in all of your information and gives you a quick snapshot of where you stand and provide suggestions on where you can improve. This tool is a lot better at reviewing your investments than Mint.


Mint.comHelps you create budgets and get a snapshot of your current financial standing. You can also create money goals for yourself, like saving for an emergency fund or down payment on a home.


UnDebt.ItVery useful for help with tackling your debts. It keeps track of your debts, and allows you to put together a comprehensive plan for paying them off. Not sure whether the snowball method or stacking is best for your situation? Undebt.it will help you. I put together a short tutorial to help get you started with this tool. Check it out here.


BettermentIf you are looking for a super easy way to get started saving for retirement or get more involved with your money, this is the way to go. In addition, you can get $25 for just trying them out using this link.

 

Recommended Apps

Mint.com
All of the greatness of Mint.com in an easy to use app!

 

Debt Payoff Assistant
This app looks really basic when you first get it, but it is powerful! You can set up your personal snowball on the app, and keep track of your payments. I use the free version, but there is a paid one available.

 

Capital One 360
Depositing checks, finding ATMs, and checking your balances all right here.

 

Refinancing Student Loans

Sofi Student Loans
Sofi Consolidation and Refinancing: Fixed refinancing rates as low as 2.355%. Sign up and you get $100 back automatically!

 


common bond refinancingCommon BondThis company offers refinancing loans, as well as general student loans. The coolest part? For every degree fully funded through Common Bond, they fund the education for a student abroad for a full year. They have variable interest rates (be careful) as low as 1.93% and fixed interest rates as low as 3.74%. I love a company that takes such a regulated industry and gives back in such a great way.

Other Sources of Savings

Smarterbucks: This is like a cash back program without having to use a credit card. You can earn money towards paying off your student loans! You can also sell your old books and take surveys to increase the amount you make. 

Swagbucks: If you are already going to be shopping somewhere, why not take advantage of rewards points?

 

Free Amazon Prime: If you have a college email, you can get free Amazon Prime for 6 months, and half price on Prime after that.

 

 

Books

[easyazon_image align=”center” height=”160″ identifier=”0761147489″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/51n6ykiM2L.SL160.jpg” tag=”brigcent-20″ width=”107″]

[easyazon_link identifier=”0761147489″ locale=”US” tag=”brigcent-20″]I Will Teach You To Be Rich[/easyazon_link]

by Ramit Sethi

[easyazon_image align=”center” height=”160″ identifier=”0060555661″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/41lNILAEAfL.SL160.jpg” tag=”brigcent-20″ width=”108″]

[easyazon_link identifier=”0060555661″ locale=”US” tag=”brigcent-20″]The Intelligent Investor[/easyazon_link] by Benjamin Graham

[easyazon_image align=”center” height=”160″ identifier=”1589795474″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/61uH5Opg8qL.SL160.jpg” tag=”brigcent-20″ width=”107″]

[easyazon_link identifier=”1589795474″ locale=”US” tag=”brigcent-20″]The Millionaire Next Door[/easyazon_link] by Thomas J. Stanley

[easyazon_image align=”center” height=”160″ identifier=”1585424331″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/51YUjMZ4nVL.SL160.jpg” tag=”brigcent-20″ width=”124″][easyazon_link identifier=”1585424331″ locale=”US” tag=”brigcent-20″]Think & Grow Rich[/easyazon_link] by Napoleon Hill

[easyazon_image align=”center” height=”160″ identifier=”0785289089″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/5199YMCpJL.SL160.jpg” tag=”brigcent-20″ width=”124″]

[easyazon_link identifier=”1595555277″ locale=”US” tag=”brigcent-20″]The Total Money Makeover[/easyazon_link] by Dave Ramsey

[easyazon_image align=”center” height=”102″ identifier=”B007741E8O” locale=”US” src=”http://www.brightcents.com/wp-content/uploads/312ih8DAN0L.SL160.jpg” tag=”brigcent-20″ width=”160″]

[easyazon_link identifier=”1594482241″ locale=”US” tag=”brigcent-20″]Money Book for the Young,
Fabulous & Broke[/easyazon_link]
by Suze Orman

[easyazon_image align=”center” height=”160″ identifier=”B00BQ1VHX6″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/51Bj9SefRzL.SL160.jpg” tag=”brigcent-20″ width=”106″]

[easyazon_link identifier=”1591844096″ locale=”US” tag=”brigcent-20″]Linchpin[/easyazon_link]
by Seth Godin

[easyazon_image align=”center” height=”160″ identifier=”0982289197″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/413qIPr9z4L.SL160.jpg” tag=”brigcent-20″ width=”104″]

[easyazon_link identifier=”0982289197″ locale=”US” tag=”brigcent-20″]How Much Money Do I Need to Retire?[/easyazon_link]
by Todd Tresidder

[easyazon_image align=”center” height=”160″ identifier=”B00ZY982L6″ locale=”US” src=”http://www.brightcents.com/wp-content/uploads/51J8avZxdxL.SL160.jpg” tag=”brigcent-20″ width=”106″]

[easyazon_link identifier=”1591847559″ locale=”US” tag=”brigcent-20″]The One-Page Financial Plan[/easyazon_link]
by Carl Richards

Book Review
Interview with Carl Richards

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