If you’re looking to save more money this year, you’re not alone. Saving money can be a challenge, but it doesn’t have to be complicated. The good news is that there are plenty of easy-to-use tools that can help you reach your savings goals. The best part? Many of these tools are completely free.
Here are five of the most useful tools to help you save money in 2021:
1. Personal Capital
Personal Capital offers one of the best free financial tools out there. I’ve been using it for years and highly recommend it. This app helps you keep track of all your financial information in one place. By linking your accounts, you can easily check your net worth, monitor your investment diversification, and uncover hidden fees in your retirement accounts. My personal favorite feature is the Cash Flow tool, which allows you to track your monthly spending. Best of all, it’s completely free. It’s a no-brainer for anyone looking to take control of their finances.
2. Debitize
If you enjoy earning credit card rewards but want to avoid overspending, Debitize is an app you need to try. It links your credit card and checking account, helping you use your credit card responsibly. Every time you make a purchase, the app moves the corresponding amount from your checking account to cover the charge. Then, Debitize pays off your credit card bill automatically each week. It’s a fantastic way to manage credit card usage without worrying about going over budget. Plus, it’s free to use!
3. Tiller
Tiller is a great tool for anyone who wants to make budgeting easier. It automatically updates your budget and tracks your spending every day, so you don’t have to manually input anything. Simply connect your accounts, and Tiller does all the heavy lifting. For less than $7 a month, it’s a simple, time-saving solution to keep your budget on track. And if you’re curious to try it out, you can get your first month free.
4. Digit
Digit is a savings app that makes saving effortless. After linking your checking account, the app analyzes your spending habits and transfers small amounts of money into a separate savings account automatically. It’s like having your savings grow in the background without any extra effort on your part. Digit ensures that it never deducts more than you can afford and offers a no-overdraft guarantee. Plus, there are no fees or minimum balances required. It’s a hands-off way to save money for future goals.
5. Zero Down Your Debt
If you’re dealing with debt, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love” is a must-read. This book is perfect for anyone struggling with debt, living paycheck to paycheck, or just finding it hard to get ahead financially. It’s packed with strategies for eliminating debt and building wealth. By following the “10 Fundamental Truths of Destroying Debt,” you’ll learn how to create a solid monthly money plan, cut down on wasteful spending, and use extra funds to pay off debt faster. It’s a great resource for anyone serious about taking control of their finances.
Final Thoughts
These tools are all designed to make saving money easier and more manageable. Whether you’re looking to track your spending, automate your savings, or pay down debt, these tools can help you reach your financial goals. Start using them today and set yourself up for a financially successful year!
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