Tools to organize your finances

Organizing your finances can seem like a huge pain but over the years I have learned to simplify my life and most importantly, simplify my finances. Here are the everyday tools I use in order to stay on top of everything!

1. Best tool for budgeting – Mint

Linking all of your accounts in one website may make some people nervous however I’ve been linking and tracking everything with them for the past 5 years (or more) and have never had an issue. Mint consolidates all of your financial accounts, including bank accounts, investment accounts, and loans. It allows you to set up a budget and will automatically track your spending. The best part is that it’s free to use!

2. Best tool for keeping tabs on your investments – Personal Capital

Much like Mint, Personal Capital is another website where you link all of your financial accounts however they are much more robust in terms of tracking your investments. I link all of our investment accounts, including my husband’s 401(k), and Personal Capital’s Monte Carlo Analysis tool will tell me whether I am on track with my goals, as well as tell me which of my investments have high internal fees. Additionally it looks at my current allocation and will tell me what I need to do to get properly diversified. I also enjoy logging in to track how my net worth is growing. Very fun!

3. Best tool for tracking expenses – Shoeboxed

Shoeboxed is an app that I found last year to help get rid of all the piles on my desk. If you have to submit expense reports, own a business, or keep receipts for personal tax reasons, Shoeboxed will be a headache-saver! It’s easily integrated with popular accounting software, it allows you to create an expense report right within the app, and to top it off, the IRS will accept these digitized images from Shoeboxed so you don’t have to worry about hanging onto all those envelopes you’ve been saving stuffed with receipts.

4. Best tool for investing – StashInvest

Stash is a great tool for those beginner investors. For as little as $5 at a time, you are able to stash some cash into one of their several low cost portfolios. Whether you want a portfolio of Blue Chip stocks or you think there’s a future in Gold, they have it! They use several low cost investment options by building their portfolios using ETFs (Exchange Traded Funds). New investors receive their first 3 months for free and after that they charge $1/month, or 0.25% if you have more than $5,000 in your account. If you want a $5 gift from Stash today, use my promo code crystal295nk to get started.

5. Best tool for consolidating store loyalty cards – Key Ring

Key Ring is an app that allows you to do three things in one. For starters, you can add all of your store loyalty cards to make some extra room in your wallet. I usually sign up for loyalty cards because, well, why not get the savings? BUT, I leave them in a drawer at home and then end up forgetting them. This organizes them for me. Secondly, you can see all the sales and coupons in your area through the app. And lastly, I can include my shopping list and share it with my husband so we don’t duplicate items.

6. Best tool for finding the best price – Retail Me Not

This is a coupon app that has all the discounts and coupon codes you can ask for. If you’re in store you can pull up any coupons that were in the Sunday circulars or sometimes find a better deal with a coupon code and choose to buy it online instead. This makes sure you don’t miss another deal!

With these tools, let 2017 be the year where you take control and get your finances organized! They are so easy to use and only take a moment to pull up on your phone. What are some tools you use to stay organized?



Disclaimer: I am a CERTIFIED FINANCIAL PLANNER TM (CFP®), but I am not your CFP® or financial advisor. The information in this article is for general informational and entertainment purposes only and does not constitute financial advice. This article does not create a financial planner-client relationship. The author is not liable for any losses or damages related to actions of failure to act related to the content in this article. If you need specific financial advice, consult with a licensed financial advisor or CFP® who can tailor advice regarding your specific circumstances. Additionally, sometimes I use affiliate links to support my website. This means I may earn a small commission, which is no additional cost to you, for referring and discussing products and services that I personally use, or have used, and trust. Thanks for your support!