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Money Management Tools | Personal Finance ToolsTake control of your finances with our favourite money management tools!

Imagine how it would feel to reach your financial goals? Whether managing money day to day, saving for your first home or investing for your future, it can be hard knowing how best to organise it all. But thankfully, there are tools that can help make things simpler.

Here’s our top, tried and tested tools and resources for getting your finances exactly where you want them. Some are my personal favourites, while others have been highly recommended by our trusted friends and readers who, just like you, needed some financial order. We’ll continue to update this page as we come across other great tools and resources that we use and love.

21 Best Money Tools to Save, Invest and Manage Your Money

Deposit on a house, new car, wedding dress or That Handbag to Die For, children’s education or simply building wealth, these apps and online platforms make saving and investing simple.

Even if you can only put away as little as £1 at a time, all you need to do is set these up, then watch all those pennies turn into pounds!

Money Saving Tools

 

money management tools | Personal finance tools

Cleo Intelligent Money Assistant: Cleo is a virtual assistant that tracks and looks after your money. The app makes budgeting and saving simple and fun.

It displays your current balance whenever you need it, and even offers tips to help you improve your finances. Click here to sign up for Cleo here.

 

plum review-plum-appPlum Savings App: Plum uses smart tech to analyse your spending and puts away what you can afford, without you having to lift a finger. If you’re in your overdraft, Plum will know, and won’t take any money until you’re back in positive figures.

You can even earn £5 for referring a friend! Click here to sign up for Plum Here.

Related: Plum Review: Save Without Lifting a Finger with Plum

 

money management tools UK | Personal finance tools

Chip Automatic Savings App: Chip allows you to put money away in a savings account, and you probably won’t even notice you’re doing it. Simply connect Chip to your current account, it will then calculate how much you can afford to put away, and automatically puts it away for you.

Plus, when you use the promo code: NUGGETS2, you can get a 2% interest on your savings. Click here to sign up for Chip Here.

 

money saving tools money supermarketMoneySupermarket: Whether you’re looking for a better energy deal, a new credit card or the best value broadband, MoneySupermarket site truly is worth using.

It is designed to be quick and simple to use, and ultimately save you time, and crucially, money. You can get prices and quotes in minutes, empowering you to make a fully informed choice and save money. You can check it out here.

 

Investing Tools

money management tools and resourcesFidelity Stocks and Shares ISA: If you’re saving money for a goal and won’t need the cash for at least five years or so, the money should be invested. Simply put, Stock and Shares ISA is one of the easiest ways to start investing for the future. You can put aside up to £20,000 each tax year without paying tax on the return you make on your investment.

This means that whatever you’re saving for, a Stocks and Shares ISA could potentially help you achieve your goals faster.

Fidelity is by far my favourite provider. These guys have been around a long time and won a number of awards such the Boring Money Best Buy ISA and Best Buy Beginner Investors award plus you can take money out whenever you want.

The good news is that, you can start a regular saving and investing plan today from as little as £50. Click here to learn more and start investing.

Related: How to Invest in a Stocks and Shares ISA

 

money management tools | Personal finance toolsMoneybox Investment App: Save up your spare change and make investing a painless experience with Moneybox. Say you buy a chocolate bar for 79p and you pay for it with your bank card. Moneybox rounds the purchase up to £1 and takes the remaining 21p and invests it for you.

You won’t even have to think about it. You could end up investing in Blue Chip companies like Netflix and Amazon, that you probably thought you could never have access to! Click here to sign up for Money Box here.

 

Wealthify Investment Platform: Start investing with as little as £1 with Wealthify, who make it easy to invest, no matter how much money you have to invest. You can be up and running in just five minutes.

If you like, you can speak to a qualified investment advisor for free, who can help you decide where to invest. This platform also highlights socially responsible brands that you can invest in, if you’d prefer your investments to be in more ethical companies. Click here to sign up for Wealthify here.

 

money management tools | Personal finance toolsNutmeg Online Investment Management: You need a £500 deposit to start investing with Nutmeg. If you’re investing less than £5,000. You’ll also need to pay in £100 per month.

Nutmeg does everything for you and offers automated monthly investments as well as wealth management advice. They’ll invest your money across a range of assets to spread the risk, without sacrificing your potential returns.

 

Budget Your Money Like a Pro!

Even if you’re not saving for anything in particular, it’s still a good idea to plan and budget. These money management tools analyse where your money goes so you can view your spending habits, reduce frivolous spending, and make the most of the money you have left over.

money management tools - monzoMonzo Banking App: I love this digital banking app so much. The Monzo app is slick and easy to use. It has all the tools you need to help you save money, budget and track your spending. Plus, you will love the exchange rates when you travel abroad. You can check it out here.

 

 

money management tool - cleo | Personal finance toolsCleo Intelligent Money Assistant: Cleo is a virtual assistant that tracks and looks after your finances. It could be just what you need to stay on top of your spending and saving. Make Cleo your virtual friend that makes you think twice about where your money goes.

Cleo makes budgeting and saving simple and fun, will display your current balance whenever you need it, and even offers tips to improve your finances. You can check it out here.

 

money management tools | Personal finance toolsMoney Dashboard App: Link your bank account, credit cards and savings accounts together with Money Dashboard and get a real time view of how much you have, and where.

What I love about the Money Dashboard app, is that it analyses your spending habits, transforms them into colourful graphs, and charts so you can easily see where you’re spending. Then you can see where you want to make changes and get Money Dashboard to set and track your saving goals! You can check it out here.

 

Money-mangement-tools-Squirrel-appSquirrel Budgeting App: If you find that you constantly have more month than money, Squirrel could help. The app allows you to split your income into bills and savings, and then gives you a weekly allowance to spend how you like.

It drip-feeds your money into your bank account when you need it, i.e. to pay the rent or mortgage on a certain day.

Squirrel makes budgeting a breeze, it is simple to set up and use and crucially, removes the temptation to spend the money you don’t have or would rather save. The motivation it provides to save is addictive! You can check it out here.

 

Earn Money While You Spend!

Imagine earning money as you shop your favourite brands? Imagine no more! Make extra money in your spare time by getting commission for doing the things you do every day:

money management tools - quidcoQuidco: Quidco has a deal with 1000’s of retailers that earns them commission each time you shop on a retailer’s site that you’ve accessed via the Quidco site. Quidco then adds cashback to your account that you’re free to spend. It’s as simple as that! Click here to sign up for Quidco and start earning money here.

TopCashback works in the same way as Quidco, earning you money as you buy the things you normally do. What’s not to love?!

Check Your Credit Score for Free

money management tools - experian Experian: Your own personal credit score contributes to how much it costs you to borrow money. If your credit score is low, it could mean that you end up paying a higher rate of interest on loans – money that could be better spent elsewhere. So, it’s crucial that you keep an eye on your credit score.

Experian will provide you with a free, easy to understand credit report. Get your FREE Experian Credit Score today and make checking your credit score something you do at least once a year.

 

Business and Blogging Tools to Grow Your Business

small-business-tools-shopifyShopify: Shopify is an e-commerce platform with all the point of sale features you need to start, run and grow your business. You can integrate Shopify with your website to sell your products. Shopify has everything you need to sell online, on social media or in person. Learn more about Shopify and how it can help you grow your business.

 

small-business-tools-tailwandTailwind: Tailwind is a marketing app specifically for Pinterest and Instagram. For regular Pinterest and Instagram users, Tailwind helps you get the best out of these platforms by maximising your reach and providing you with data about what’s working (and what isn’t!). Join Tailwind for a free trial here.

 

small business-tools-convertkit 1ConvertKit: ConvertKit is my favourite email marketing service provider built for bloggers and businesses who want to build an audience and grow their email list. ConvertKit helps you reach and grow your audience at a click through forms, trackable data and powerful automations. Plus if you sign up with this link you will get 100 subscribers for free.

 

how to start a successful blogBluehost: Want to create a blog, build a professional website or develop an e-commerce platform? Bluehost is one of my favourite web hosting company where you can host your WordPress website. Bluehost web hosting solutions provide you with affordable, secure and reliably fast hosting, giving you peace of mind. Starting at just 2.99/month. Check it out if you want to start a blog here.

 

small business-tools-studiopressStudioPress: Your website is the first point of contact for potential clients and customers so it has to look slicker than your rivals. Studio Press builds on WordPress’s themes to help your business stand out. Click here to find the perfect theme for your WordPress and make your business stand out from the crowd.

 

Tools to Invest in Yourself

You can use these tools to learn about money, boost you career, hone your skills, learn something new, or expand your knowledge on just about any subject!

money-management-tools-UdemyUdemy: With more than 20,000 free and paid-for online courses to choose from, you’re bound to find the right one for you with Udemy. Learn what you like, whenever you like, at your own pace, in the comfort of your own home.

With so many courses available, you can learn new skills or upgrade your existing ones. When you expand your knowledge and boost your skills, you can increase your ability to earn more money – a key part of financial success. You can check it out here.

Related: 8 Smart Ways to Invest in Yourself this Year

 

money-management-tools-audibleAudible Audio Books: Audible has the world’s largest collection of audio books covering every genre you can think of. Sign up for a free trial and listen to your first book for free on the go, anywhere!

Choose from thousands of books that can help you hone and develop your interests and skills. A more knowledgeable you is in a better position to negotiate pay rises and promotions, bringing you closer to your financial goals. Listen to your chosen audio books as you travel, work, exercise or relax. Click here to start your Free 30-day Trial today!

Recommended Reading (or Listening)

We’ve put together a list of our favourite books to help you get ahead with your finances and career. Financial empowerment at its finest, they’re all must-reads!

Money Mindset

Here’s some essential reading for getting your mind focused on reaching your financial goals…

Your Money or Your Life – Joe Dominguez & Vicki Robin

Transform the way you handle your finances by looking at the spiritual and emotional side of spending money. Get to the core of your financial issues, rather than just surviving each month.

Click here to check it out.

You Are a Badass at Making Money – Jen Sincero

Funny and insightful, this book gives excellent financial advice on becoming wealthy and having a better relationship with money.

Click here to check it out.

Get Rich, Lucky Bitch – Denise Duffield-Thomas

Upgrade the way you think about money and stop the behaviours that limit your financial success with this practical and empowering step-by-step guide.

Click here to check it out.

The Richest Man in Babylon – George Samuel Clason

 An iconic read, with memorable and entertaining stories that will inspire you to make the most of your money.

Click here to check it out.

Money Management and Financial Planning

Learn how to manage money and plan your future with these essential reads…

Nice Girls Don’t Get Rich – Lois P Frankel

By the same author as Nice Girls Don’t Get the Corner Office this book inspires and empowers women. It highlights the mistakes many of us make, and how we can correct them. Every woman should read this book, for smart money management and investment.

Click here to check it out.

Love is Not Enough: A Smart Woman’s Guide to Money – Merryn Somerset Webb

An essential, non-patronising and funny guide to women and shopping sprees, pension plans, ISAs and pre-nups.

Click here to check it out.

Women & Money – Suze Orman

Clear, factual and systematic, this book contains everything women need to know about finances; from setting up a savings account to investing in stocks and shares to creating wills and trust funds.

Click here to check it out.

The Total Money Makeover: A Proven Plan for Financial Fitness – David Ramsey

Give your finances a makeover with these small, actionable, sustainable steps that build up to money empowerment.

Click here to check it out.

The Automatic Millionaire: A Powerful One-Step to Live & Finish Rich – David Bach

This book is free from jargon and full of common-sense tips on building a strong financial foundation. If there’s a secret to getting rich, it’s in this book!

Click here to check it out.

Wealth Building and Investing

Understand what it takes to build personal wealth by investing wisely…

The Intelligent Investor – Benjamin Graham

A must read for long term investors, this book is endorsed by the world’s third richest person and investor, Warren Buffett. This is a read that you’ll go back to again and again to help you make smart investment decisions.

Click here to check it out.

The Little Book of Common Sense Investing – John Bogle

This book is by one of the most influential supporters of low cost investing and is essential if you’re looking to invest in the stock market. Especially if you’re new to investing or paying large amounts to have your funds managed.

Click here to check it out.

One Up On Wall Street – Peter Lynch

A fantastic introduction to investing on the stock market, this book is simple and free from confusing jargon. Filled with timeless wisdom, it’s a must read before investing a single penny!

Click here to check it out.

How to Own the World: A plain English Guide to Thinking Globally & Investing Wisely – Andrew Craig

The book genuinely empowers its reader to take control of their finances and ranks as one of the best personal finance books ever written.

Click here to check it out.

Smarter Investing – Tim Hale

A practical book with valuable insights on passive investing. It’s a great resource to read before making investment decisions.

Click here to check it out.

Career and Personal Development

Get ahead at work with these essential reads…

Nice Girls Don’t Get the Corner Office – Lois P Frankel

It’s a sad fact that women still face unique challenges in the workplace and this book will help you navigate the corporate world. The 101 unconscious but destructive behaviours it highlights will help you identify where you could be stronger. It includes practical tips and advice on getting ahead in your career.

Click here to check it out.

Lean In: Women, Work and the Will to Lead – Sheryl Sandberg

A fantastically researched but succinct book, this is essential reading for women and their male partners and colleagues. It’s set to become iconic and addresses issues and societal behaviours affecting women in business that have been brushed aside and blindly accepted by many for too long. Packed with concrete advice, it applies to women in all stages of life.

Click here to check it out.

Mrs Moneypenny’s Careers Advice for Ambitious Women – Heather McGregor

Regardless of where you’re at with your career, this book will inspire you to aim high. Its priceless tips are delivered in a funny way, with real life examples and homework throughout.

Click here to check it out.

Got any great ones you recommend? Let us know down in the comments below!

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