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
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 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.
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.
MoneySupermarket: 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.
Fidelity 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.
Moneybox 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.
Nutmeg 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.
Monzo 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.
Cleo 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 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.
Squirrel 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:
Quidco: 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
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
Shopify: 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.
Tailwind: 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.
ConvertKit: 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.
Bluehost: 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.
StudioPress: 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!
Udemy: 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.
Audible 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!
Here’s some essential reading for getting your mind focused on reaching your financial goals…
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.
An iconic read, with memorable and entertaining stories that will inspire you to make the most of your money.
Money Management and Financial Planning
Learn how to manage money and plan your future with these essential reads…
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.
An essential, non-patronising and funny guide to women and shopping sprees, pension plans, ISAs and pre-nups.
Give your finances a makeover with these small, actionable, sustainable steps that build up to money empowerment.
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!
Wealth Building and Investing
Understand what it takes to build personal wealth by investing wisely…
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.
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.
Career and Personal Development
Get ahead at work with these essential reads…
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.
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.
Got any great ones you recommend? Let us know down in the comments below!
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