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60 Free And Legal Websites To Download Literature (For Bookworms)

60 Free And Legal Websites To Download Literature (For Bookworms)

Free books online are perfect for the avid reader. The genres range from classical literature to historical fiction to biographies and tons more. Life Hack is here to offer you all the best sites at no cost and are completely legal.

The Classics

Stay ‘classy’ with these finds:

Classic Book Shelf
Changes the font and background colors for ease of reading.

Project Gutenberg
Oldest e-Book library on the internet!

Page By Page Books
From Sherlock Holmes to War of the Worlds can be found here

Classic Book Library
Books available for younger readers are available.

Classic Reader
Shakespeare, YA, and so much more!

Historical Fiction

Love Historical Fiction? Find them here!

Public Bookshelf
Romantic get-aways set back in time!

Get Free E-Books
Dramatic settings with a historical backdrop.

Obooko
A little something for everyone.

Free E-Books Lounge
Browse their huge library for some fantastic stories!

E-Books Directory
Over 20.000 books available and growing.

Classic Literature Library
The UK’s site for all things classic!

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LibriVox
Stories with a historical backdrop available here

Fiction

Adore fiction? Get them free at these sites:

Read Print
Fiction for kids, young adults, and adults.

Planet E-Book
Fiction, including Sy-Fy and Fantasy.

Bibliomania
Find bibliographies and so much more!

Literature Library
You’ll find Darwin to Descartes here.

Fiction.US
Novels, screenplays, short stories, and more!

The Internet Database Of Fiction
Offers popular authors like, J. K. Rowling.

Free Online Novels
Christian novels, as well as, fantasy, adventure, mystery, and more.

Foxglove
A British site offering fantasy, satire, and assorted fiction books.

Baen Free Library
Books published by Baen are available here for free.

Non-Fiction

Love a great true story? Then don’t miss these:

Amazon.com
Available for Kindle.

Free E-Books.Net
Biographies, Autobiographies and so much more.

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Bartleby
World renowned non-fiction site.

BookRix
Choose from thousands of titles!

Textbooks

Struggling student? Check out these options:

Medical and Dentistry Textbooks
Biology, Anatomy and much more, including lectures.

MIT Open CourseWare
Includes videos and text on engineering, mathematics, and chemistry.

Business Textbooks
Find everything related to business at this site.

Textbook Revolution
Biology, Mathematics,Engineering and more.

Science And Math
Find your passion for math and science here.

Light And Matter
Open Source physics materials.

 Books For Kids

A great way to introduce a love for reading to kids:

byGosh
Illustrated children’s books, poems, and short stories!

Munseys
Over 3,000 books for kids available.

International Children’s Library
Fiction and non-fiction titles kids will love.

LookyBook
Even teachers love this award-winning site for kids.

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History and Culture

Love learning about history? Then these picks are for you:

American History

Chronicles from 1776-1965.

The Perseus Project
True stories from Greek and Rome!

Online Books 4 Free
Free History books galore!

Most Popular History Books
Find works  such as, The Autobiography Of A Female Slave and many others.

Mystery

Snuggle up to some of the best mystery books you’ll find anywhere!

Mystery Net
Offers free, short stories.

Top Mystery
From Sir Arthur Conan Doyle to Hitchcock, all free!

Mystery Books
Includes selections from Sue Grafton, and many, many others, at no cost.

Miscellaneous

Banned Books
Hundreds of select books that were once legally banned.

World E-Book Library
A massive collection of books, for both children and adults!

DailyLit
Think you don’t have time for reading? This site offered readings in only 15 minutes.

A Celebration of Women Writers
This site provides award-winning novels by women.

Free Novels Online
Choose from a wide selection of available novels.

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Many Books
Includes recommendations from authors and readers.

Authorama
Includes selections from Google Books and far more!

Prize-Winning Books
Books that made the cut from the Newberry award to the Pulitzer.

The Road To Romance
Perfect for a romantic read, stories include authors such as Patricia Corwell.

Arts And Entertainment

Books On-Line
Find celebrity gossip, movie scripts, and more on Hollywood!

Chest Of Books
Enjoy books on the culinary arts or the art of gardening all at no cost.

Free E-Books
Enjoy books on beauty and fashion, as well as hundreds of other titles!

2020ok
Like photography or the arts? Then this site is for you.

Free Art Books
Whether your interest lies in film, writing, or the visual arts this site is for you.

Web Design
Find the help you need here to design the perfect site, at absolutely no cost!

Fashion Books
For every fashion divas! Enjoy all that is fashion at this site.

Questia
Over 5,000 titles to choose from, includes rare books.

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Last Updated on January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

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