U.S. Links: Budgeting & Money Management

Budgeting & Money Management

Helpful Links and Calculators

Click a link to learn more.

Bankrate’s Personal Finance Tools
https://www.bankrate.com/personal-finance/
Use Bankrate’s advice and tools, resources and calculators to help make all of your personal finance decisions.

Beginner’s guide to managing your money 
https://www.moneyadviceservice.org.uk/en/articles/beginners-guide-to-managing-your-money
Taking the time to manage your money better can really pay off. It can help you stay on top of your bills and save £1,000s each year. You can use these extra savings to pay off any debts you might have, put them towards your pension, or spend them on your next car or holiday. Read on for money management tips, including how to set up a budget, sticking to it and how to save. While this is a UK site, it is still useful and pertinent for anyone, anywhere.

Best personal finance apps to manage your money in 2019
https://download.cnet.com/news/best-personal-finance-apps-to-manage-your-money-in-2019/
With so much to track each day, money management can seem like just one more laborious chore. But with the best personal finance apps for iOS and Android to manage your money in 2019, you can monitor all your bank accounts and credit card transactions, reduce your spending and expenses with budgeting goals, keep your credit score high, and achieve your long-term financial goals.

CareConnectUSA
http://careconnectusa.org/
Since 2005, CareConnect USA has published free helplines for families to receive financial assistance. They are currently listed on thousands of government, educational, and civic association websites. NASA, the Smithsonian Institute, and the Armed Forces Family Support Network share them with their workforces. These national helplines are posted in over 300,000 workplaces across the USA.

Cents Ability: Teaching Teens Personal Finance
https://cents-ability.org/
Cents Ability is a nonprofit organization dedicated to educating and empowering high school students to achieve their goals through the prudent and informed management of their financial resources.

Complete guides to managing your finances in the 21st Century
http://saxton4x4.co.uk/guide-to-managing-finances/
Getting the hang of financial management, by learning how to budget and manage key expenses, is a skill you’ll use throughout life. While this e-book is UK based, it provides excellent information and resources on how to manage your finances.

Consumer Reports
http://www.consumerreports.com
Evaluates and rates more than 3000 products.

Credit Card Glossary 
https://www.fiscaltiger.com/credit-card-glossary/
Here you’ll find definitions on all things credit card. And there are a lot of them! To help you find what you need, use the following alphabet to jump to the correct section. Notice that some are red? That’s a good thing; it means there are no terms in that section that you need to know.

Eight Best Personal Finance Apps – 2018
https://www.investopedia.com/personal-finance/personal-finance-apps/
If you’re like most people, you check your smartphone at least 50 times a day – looking at everything from text messages and work emails to weather alerts and box scores. But as many have discovered, your smartphone can help you keep tabs on your finances. Managing money, sticking to a budget and even handling investment decisions are easier than even before with today’s crop of personal finance apps.

Finatopia’s Financial Calculators
https://www.finatopia.com/
How much will your savings grow over time? How long will your savings last in retirement? How long will your savings last in retirement? Finatopia has all sorts of useful calculators

Free Tax Tools and Calculators
https://www.taxact.com/tax-information/tax-tools-and-calculators
Everything you need to know about your taxes.  This includes interactive forms that help you with tax planning, tools, and calculators, check lists, as well as information about tax law changes, and IRS and state resources.

Goodbudget App
https://goodbudget.com/how-it-works/#.WWyc0NPyuL8
Goodbudget is budgeting software based on the envelope method. You make envelopes for all your budgeting categories – rent, groceries, eating out, date night, etc. After that, you set aside money up front in each envelope to spend based on categories and not your account balance.

Good Calculators
http://goodcalculators.com/
A collection of really good calculators that work on computers, smart phones and tablets. This site has more than 200 calculators to help you do math in not only the finance department or with your homework, but also weight loss, pregnancy and a lot more.

Help With Paying Bills
http://helpwithpayingbills.org
A website that helps low income families find financial assistance programs that will help with paying bills. The directory lists assistance programs that help with utility, energy, rent and medical bills. It provides bill assistance by state, by popular cities and by popular counties.

Hello Wallet
https://www.key.com/personal/financial-wellness/hello-wallet.jsp
HelloWallet gives you a complete picture of where you are and where you’re going with the ability to see your entire financial picture in one place. This free service also helps you reach your financial goals with tools and resources that allow you to set budgets, plan for retirement and more.

Home Buyer’s Guide from Quicken Loans
https://www.quickenloans.com/confidence/guides/purchase/intro
This step-by-step guide will help you understand the mortgage process so you know that to expect when buying a home.

Honeydue
https://www.honeydue.com/
Honeydue is a mobile app that aims to reduce money-related arguments between couples by offering tools to share information on respective account balances and spending. The app also lets couples stay on top of money matters in other ways, such as being able to comment on individual transactions and manage bill reminders together — so they can, in the words of co-founder Eugene Park, “be on the same page” about money.

How to Read Stocks Like a Pro: Power and Statistics
https://wealthfit.com/investing/how-to-read-stocks/
Learn how to read stocks like a pro. In this Wealth Fit article we’ll begin by checking out corporate bylaws. The bylaws are where a company defines the qualitative details of its stock like voting power, transferability, and preferences. Next, we’ll dig into the stock’s statistical performance on the market.Successful investors don’t buy stocks recklessly. They learn to read stocks like books and make calculated decisions. Let’s get you up to speed.

Mint
https://www.mint.com/
The budgeting app Mint has attracted more than 20 million users, and it’s easy to see why: For one, it’s free. It also automatically syncs to bank, credit card and investment accounts, pulling data with little effort on the part of the user, and provides free credit score information.

Money 101 (Money Magazine)
http://money.cnn.com/pf/101
Includes a 23-lesson personal finance course from the writers at Money magazine. Users can read the entire course or choose lessons of interest. Topics include: making a budget, basics of banking and saving, basics of investing, investing in stocks, investing in mutual funds, investing in bonds, buying a home, controlling debt, saving for college, kids and money, asset allocation, and taxes.

Money Geek
https://www.moneygeek.com/
Explanations on money topics that go deep enough but don’t feel like reading a dry textbook. Step-by-step instructions and checklists. Calculators that actually tell you what’s going on with the numbers in plain English. Questions answered by industry experts. Money Geek wants you to quickly figure out what’s best for your financial life, without muss or stress.

Monthly Budget Worksheet
https://www.nerdwallet.com/blog/finance/budget-worksheet/?utm_campaign=ct_prod&utm_source=syndication&utm_medium=wire&utm_term=anne-stanleymarketwatch-com&utm_content=546018
A successful budget helps you decide how to best spend your money while avoiding or reducing debt. NerdWallet recommends the 50/30/20 budget, which suggests that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment. Use the above worksheet to see how your spending compares to this kind of budget.

MSN.Money
money.msn.com
Includes daily financial updates and stock quotes and feature articles on financial topics such as insurance, credit, income taxes, and college and retirement planning.

OnTrajectory
https://www.ontrajectory.com/features.html
A financial planning platform allowing educators and students to collaboratively model complex financial strategies and techniques.  It’s perfect for individuals learning the effects of compound savings,  tax-handling, expense management — and other aspects of financial planning.

Rutgers Cooperative Extension Money and Investing
www.rce.rutgers.edu/money/
Includes dozens of downloadable personal finance publications, online presentations, self-assessment quizzes, conference summaries, federal marginal tax rate tables, and other financial education resources for consumers. The interactive Rutgers Cooperative Extension Financial Fitness Quiz can be found at www.rce.rutgers.edu/money/ffquiz.

Savings Calculator: Compound Interest for Savings, CDs & Money Market Accounts
https://fitsmallbusiness.com/savings-calculator-compound-interest/
A savings calculator is a great tool to calculate compound interest and estimate the value of savings over a period of time. Using the savings calculator above, you can see what your savings will be worth in the future and how quickly it will grow in a savings account, certificates of deposit (CDs) or money market account.

Smart About Money (National Endowment for Financial Education)
www.smartaboutmoney.org
Contains financial information organized around major life events, interactive self-assessment quizzes, and links to a comprehensive resource center of financial education materials.

Transitioning from College to Career: A Guide for New Grads
https://groomandstyle.com/college-to-career-guide-new-grads/
Graduating from college, while a great achievement and cause for celebration, can put many young adults in a difficult position. Expectations are high for landing the right entry-level position, while for many the threat of student debt and rent create a feeling of financial instability. This guide is here to help you figure out what you need to know to get on your feet and keep moving, as your academic development turns into professional development

Useful Calculators:
Savings: http://www.thecalculatorsite.com/finance/calculators/savings-calculators.php
These powerful savings calculators to work out the interest on your IRA, ISA, bond or savings account balance. The regular deposit savings calculator allows you to include an additional monthly deposit or withdrawal, with or without yearly inflation increases.

Loans: http://www.thecalculatorsite.com/finance/calculators/loancalculator.php
These calculators  work out repayment figures for personal loans, student loans, auto loans or any other type of credit agreement. The first calculator breaks down monthly repayments for a secured or unsecured loan. The second calculator helps you work out how long it will take to pay off your loan.

WalletLiteracy 
https://wallethub.com/wallet-literacy-score/
Being financially literate means you understand the core concepts of money management and are able to apply them in a manner beneficial to your family’s long-term financial comfort and security. So complete the test, get your WalletLiteracy Score and use it to secure a richer financial future!

Wally
http://wally.me/
Wally is a personal finance app available on the iPhone. It helps you compare your income to your expenses, understand where your money goes, and set and achieve goals. Wally lets you keep track of the details as you spend money: where, when, what, why, & how much.

Women’s Institute for Financial Education (WIFE)
www.wife.org
Includes reviews of personal finance books, feature articles on personal finance topics, online video clips, and archived WIFE e-newsletters, all designed to improve the financial expertise of women.

You Need A Budget 4 (YNAB)
https://www.youneedabudget.com/
You Need A Budget 4 packs in many features and improvements over earlier versions and actually teaches sound budgeting practices as you use it

Additional Links
www.Fidelity.com (short- and long-term goals)
www.Quicken.com (budgeting)
www.Americanexpress.com (budgeting)
www.PayCheckCity.com (calculators)

By | 2019-04-11T05:54:21-05:00 August 11th, 2016|Categories: Budgeting, Calculators, Cash-Flow Management, Money Management, Personal Finance Tools, United States|Comments Off on U.S. Links: Budgeting & Money Management