I get asked almost every day about the products I use and the resources I recommend.
Here’s my top, tried and tested money tools and resources for making the most of your money and getting your finances exactly where you want them. These are my personal favourites! Feel free to give these a try, and let me know what you think.
Before I get to the list, I just want to let you know I get a small commission from some of the products you see here at no extra cost to you. You can be rest assured, I only link to products I personally use and support and if you do use my links you have my sincere and heartfelt thanks! Hope you enjoy using them as I do:
BUDGETING & MANAGING MONEY
Get financially organised with this plush planner. It is like having a financial coach or planner in your pocket. This stylish, undated budget planner includes 12 months of financial planning with pages dedicated for:
- Setting annual money goals
- Creating action plans to achieve your goals
- Creating monthly budget
- Tracking your savings, bills, expenses and debts
- Monthly reviews to improve, measure and track your progress!
The cash envelope budgeting is a tried-and-true method of staying on budget. These cash envelopes have everything you need to keep your money organised, prevent mindless overspend and smartly implement the cash envelope budget system into your daily life.
I know from personal experience; cash envelope budgeting system can also be a great tool to help you get out of debt. Check it out here.
Cleo app is a virtual assistant that tracks and looks after your finances. It is like having a virtual assistant for your money at your beck and call.
The app makes budgeting and saving simple and fun, and even offers tips to improve your finances. I love it because it is a highly engaging way of building savings, tracking your spending and staying on top of your money. Check it out here.
Another simple, stress-free budget app l love is Yolt. It is great for seeing all your accounts in one place.
BANKING AND SAVING TOOLS
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. Get started with Monzo here.
Plum uses smart tech to analyse your spending and puts away what you can afford to save and invest, without you having to lift a finger. If you’re in overdraft, Plum will know, and won’t take any money until you’re back in positive figures. Get started with Plum here.
I got out of over £32,000 in 2 years and I share my exact strategy and tips in this very informative eBook. If you’re in debt, then you NEED this eBook. Check it out here.
If you’re in debt there are loads of money apps out there to help you get it all organised and paid off. One of my favourite apps is the Debt Manager, which uses the snowball method of debt elimination. Check it out here.
It’s never too early to start preparing for the future you want. 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.
Fidelity is by far my favourite provider. These guys have been around a long time and won a number of awards such as the Boring Money Best Buy ISA and the Best Buy Beginner Investors award.
The good news is that you can start a regular saving and investing plan today from as little as £50. Get started here.
Invest your spare change automatically with Moneybox. The app saves up your spare change and makes investing a painless experience.
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. Check it out here.
Wealthsimple is a great way to start investing with as little as £1. In just five minutes you can start a personalised portfolio of low-fee funds designed to meet your financial goals.
I love the ease of investing and their regular webinars committed to educating their customers about money. Get started with WealthSimple here.
CREDIT SCORE AND CREDIT REPORT
It’s critical to keep an eye on your credit score. Ideally, you should check your report at least once a year to make sure there’s no mistakes which could damage your chances of affordable credit. The Experian credit report is free and easy to understand. Check it out here.
COMPARISON TOOL FOR DEALS AND SAVINGS
Whether you’re looking for a better energy deal, a new credit card or the best value broadband, the MoneySupermarket site is worth a try. I knocked my annual bill down by £500, just by shopping around.
It is quick, simple to use, and ultimately saves you time, and crucially, money. You can get prices and quotes in minutes, empowering you to make a fully informed choice and save money. Check it out here.
MAKING A WILL
Having a will is arguably one of the most important things you can do for yourself and your family. Having a will in place also means you don’t pay more Inheritance Tax than you need to.
With Beyond Will you can write a legally binding will from the comfort of home. Check out Beyond Will here.
IMPROVE YOUR FINANCIAL LITERACY
Want to read more, but aren’t sure how to make the time? Or don’t like reading books but want to? Audible is the perfect way to get your book fix! Subscribe to Audible, and read two new books every month.
Let’s face it: to get better with money, you have to educate yourself.
Undeniably, learning about money can seem truly overwhelming but to make smart money decisions, you have learn about money. Because no one cares about your money like you do – no matter how trustworthy they may seem.
And if you don’t have an Audible account yet, you can start your free 30-day trial here if you want to try it before you commit.
As you can see, there are tons of money tools and resources to help you take control of your money, pay off debt and start investing to build wealth.
Let me know if you have a favourite money tool I should try and add to my list.
Need Some Help?
If you’re struggling to take control of your money, schedule a free consultation with me now and let’s brainstorm together and come up with some money moves you can make to achieve your goals quicker and live life on your own terms!