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8 Sites to Manage Your Finances

8 Sites to Manage Your Finances

No matter what you are doing, a job is always a lot easier when you are using the right tools. It is the same when you are trying to manage your finances. It is just a matter of finding the best tools for your financial needs. If you want to better manage your finances, and make the process a whole lot easier, check out these eight awesome websites.

1. Quicken

This is one of the best budgeting tools you can use. It will help you with budgeting, investments, bill payments, and reporting. You can connect to financial institutions and download your transactions, sync data between devices, and always be able to access your accounts. Keep in mind that the PC version is a lot better than the Mac version of Quicken.

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2. FlexScore

This site is fun and easy to use, and it is free. It will calculate a personal finance score that is based on how you are currently managing your money. All you need is 15 minutes to enter your information, and you will learn how to raise your number to get a perfect credit score. If you make stupid moves with your money, the score is going to drop, and you will be able to find out just how much and bring it back up using this tool.

3. YNAB (You Need a Budget)

This budgeting tool is great because it uses a spreadsheet layout that is familiar and easy to understand. You can easily create monthly budgets in just a few minutes using this tool. You will also learn how to lean on former incomes instead of creating budgets that are based on future incomes that may not always be guaranteed. This will put a stop to your lifestyle of living paycheck to paycheck.

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4. Future Advisor

This site will recommend low-cost index funds, as well as commission-free ETF’s that will help you with your investment portfolio. The new premium account is just $9 per month, per household, if your portfolio is less than $50,000. For larger portfolios, the cost is $19 per month, and Future Advisor will make your trades for you, as well as offering automatic tax-loss harvesting.

5. Guarantor Loans

Here is a site that offers a directory of direct loan lenders. The lenders list is to provide customers with the best options, and help find the best lenders for even big loans. All lenders are registered to trade, and they all have valid consumer credit licenses. You can be sure that you will be treated fairly and get the loan you need.

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6. The Birdy

If you are nervous about using a site that links to your financial accounts, this is another option you can try. This is a tool that is really easy to use. It asks what you buy daily, and you just have to describe the purchases and add tags to record everything in your account. You can log in at any time to track weekly and monthly expenditures and see what your spending habits look like.

7. Guide Financial

This site offers loads of personal finance tools that let you know where your money is going, and how to make the best changes to create a better budget. You will get great advice about saving money by refinancing your mortgage, finding the best savings accounts, choosing the best retirement plans, and more. In time, there will be 25 categories on this site for you to work with.

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8. DailyWorth

This site offers daily emails that give you the best financial advice and articles for women who want to learn how to create budgets, earn more money, save more money, invest, and spend smartly. You will see loads of great articles, and you can also sign up for the bi-weekly “Asset Class”.

Featured photo credit: stevepb via pexels.com

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Jane Hurst

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Last Updated on August 20, 2018

30 Fun Things To Do With Your Friends Without Spending Much

30 Fun Things To Do With Your Friends Without Spending Much

Spending time with friends is, in and of itself, a great way to pass the time without spending a lot of money. But if you and your friends are used to going out to clubs, pubs or eateries together as your way of hanging out, then you can change it up a bit and save some money too.

No matter where you live, there are plenty of places to go and do fun things that don’t cost a lot.

If you are having trouble convincing your friends to do things on the cheap, then be upfront with them. Tell them straight out that you can’t spend that kind of money right now — and don’t let them pay for you either. But here are some great alternatives you can offer.

30 Fun Things To Do With Friends Without Spending Much

1. A potluck dinner party. Host a dinner party and ask everyone to bring a dish to share. If you are not comfortable with cooking, maybe try and learn how to cook a new dish together with your friends.

2. Host a spa day. Give each other manicures. Try out new hairstyles. Make some facial masks or exfoliates using natural, at-home ingredients. Then drink mimosas.

3. Movie marathon. Log into Netflix and watch every episode of “Stranger Things” Or do an ’80s movie marathon, watching “Pretty in Pink,” “The Breakfast Club” and all of our old favorites. Don’t have a Netflix membership? Get the free trial just for the marathon!

4. Pinterest party! You know all of those cool Pinterest crafts you say you’re going to do? Do them. At home one night with friends. Then make up some of those bacon-wrapped whatevers you’ve been dying to try!

5. Go to the park. Pack a picnic. Hang out. Watch people. Play on the swings.

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    6. Have an organization party. Set up a day of each weekend where you go to each of your friends’ houses and help them clean out a closet, a room, a garage, whatever. Serve drinks and food and trade stuff among yourselves.

    7. Hold a yard sale. After all of that cleaning, why not hang out together and make some extra cash too?

    8. Concerts in the park. All summer long, many parks host free concerts. Go with your friends. Hang out, bring a picnic dinner. This is a very relaxing way to chill out on a hot summer night after work.

    9. Volunteer together. Offer to do the yard work for the local senior center or hang out with the kids at the YMCA. After a few hours of volunteering together, you will have new respect for each other and something new to chat about.

    10. Play board games. Drag out the Scrabble or the Yahtzee. You can hang out and play all sorts of games with large groups or small ones. Hold a tournament and compete against each other. Here’re some board games ideas.

    11. Video game tournament. Not into board games? OK. Well, how about a video game tournament? Whether it’s the latest dancing game or “Call of Duty,” play against each other and award prizes (or food) to the winners.

    12. Grab a ball and a bat and go play baseball at the local park. Grab a basketball or a tennis racket. Most parks have courts and fields you can use for free as long as there isn’t an organized event going on.

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    13. Go to the school play. This might cost a little for admission, but it’s a great way to support your community and have a fun time.

    14. Iron Chef night. Bring your friends over and have an Iron Chef night where you cook dinner out of only the items in your pantry. No buying anything!

    15. Go dumpster diving. Yup. I said it. Check out the dumpsters in your area and see what you can find. You might even find dinner! Here are some tips for respectful diving.

      16. Go to yard sales. Take all that money you made at your yard sale and cruise around your town together looking for cool stuff. Maybe you could even fix something up and resell it.

      17. Go fishing.

      18. Go camping.

      19. Find some cool trails around your town and go hiking. Here’re some of the best hiking trails you should try.

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      20. Get out the bikes and bike everywhere for a weekend.

        21. Dig out the old croquet set — or borrow your Mom’s — and play croquet. Do it! Totally fun.

        22. Swap movies and music. Have everyone bring over a box of old movies and CDs they don’t want anymore — or don’t watch anymore. Then swap with abandon.

        23. Go on a walking tour of your town. Most towns or cities have a historic district. Find out if there is a walking tour available. If not, make one up!

        24. Scavenger hunt. Put your friends to the test — yes, this is for grown-ups — to find different things in your city…like a certain bike rack, a vintage sign, that sort of thing. The winner gets a dinner cooked by the losers.

        25. Find out when the free days are at your local museum or zoo. Most have them and they can be great fun to visit with friends.

        26. Hold a quilting bee. No, you don’t have to be fancy — or old — for this. Grab some old T-shirts that you love, old jeans, whatever. Cut them into squares and sew them together. Who knows? Maybe it will become a regular thing?

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        27. Go to Open Mic night. Your town is likely harboring some great talent at an open mic night that has no cover and cheap drinks!

        28. Go to a religious service. Even if you’re not religious, going to a service in an unfamiliar religion can be enlightening and a great way to meet new people.

        29. Find a swimming hole. Head to the old town swimming hole — or find a new one. What a great way to spend a lazy afternoon with friends.

          30. Start a book club, card club (canasta anyone?), sewing club or scrapbooking club. Something you and your friends like. My parents used to belong to a cooking club where once a month all of their friends gathered at one house and the host family cooked a meal from a different country. I learned a lot about food that year.

          You don’t really need to spend much to have lots of fun with your friends! Pick a few of these ideas and start trying them out this weekend with your friends!

          Featured photo credit: Unsplash via unsplash.com

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