Disclosure: There are some affiliate links below, but these are all products I use or have used and highly recommend.
Without a doubt, the best bill management app out there has got to be Prism. I’ve been using Prism now for several years to help me manage and pay all of my bills in one spot. Best of all, it’s a totally free app. I used to always forget to pay my bills on time, but discovering Prism, I’ve never been late on paying a bill ever.
When it comes to tracking your finances, it never hurts to have a ton of apps tracking your accounts. That’s why I typically recommend everyone that uses Mint also download and use Personal Capital. The part that Personal Capital really shines in is with its investment account tracking tools. You can see your asset allocation, figure out how much you need to save, and all of that good stuff. Use both Mint and Personal Capital as a sort of 1-2 punch with your money tracking.
I like to think of Prosper Daily as the financial inbox for all of my daily transactions. The app tracks every transaction I make on all of my credit cards and puts it all in one spot for me to review. The transaction doesn’t leave the app until I swipe and approve that I made the transaction. In addition to helping protect me from fraud, it’s also a great way to remind me on what I’ve been spending my money on.
Most people don’t know it, but you can actually earn 5% guaranteed interest on at least $5,000 by signing up for a few prepaid debit cards through Netspend. You have to do a tiny bit of work to set the accounts up, but once done, you never have to look at them again. It’s a terrific place to store your emergency fund, especially since you won’t have to feel bad about keeping cash since your cash will actually be beating inflation each year.
If you’ve set up your Netspend accounts, you’ll also want to set up all of the accounts you can with Insight. Insight Cards are also prepaid debit cards that come with an FDIC insured savings account that earns 5% interest. If you set up all your Insight accounts and all of your Netspend accounts, you should be able to have $15,000 earning 5% guaranteed interest. A household can put away $30,000.
Qapital is a great app for anyone looking to squeeze out just a little bit more savings out of their budget without even noticing it. What makes Qapital a really awesome app is how easy it makes it to automate your savings. All you have to do is open up the Qapital app on your phone, set up a new goal with a few taps of your finger, and then set up whatever automated savings rule you want for that goal. It literally takes less then a minute to set up a savings goal.
Dobot is an app that monitors your bank account and intermittently saves away small amounts of money for you based on your cash flow. After you connect your checking account, Dobot’s algorithm goes to work analyzing your spending patterns to calculate “safe savings amounts” that ensure you have enough to meet your spending needs while still saving. Every few days, Dobot will move small amounts of money into your Dobot savings.
LendEdu is a great tool for anyone looking for a starting point with refinancing their student loans. It only takes a few minutes to search for rates from a bunch of different student loan refinancing companies. And, most importantly, searching for rates on LendEdu has absolutely no impact on your credit score (they do a soft pull of your credit report). In other words, there’s literally no downside to at least running a search on LendEdu.
SoFi was the first company that I discovered when I refinanced my law school loans and it’s definitely the biggest player in the student loan refinancing space today. Getting a lower interest rate is great and will make it easier to pay off your debt fast. But the thing that makes SoFi really unique is access to the member events. If you live in a decently sized city, you can get a ton of free food and drinks. I know that me and my wife have easily snagged $1,000 worth of free food and drinks between the two of us. And, you get to keep going to these events even after you’ve paid off your loans!
CommonBond is another great company that I’ve personally used. After using SoFi for a little bit, I ended up refinancing the bulk of my student loans with CommonBond because they offered me a lower rate and I wanted to snag another signup bonus. The key differentiator with CommonBond is that they have a social mission. They’re sort of like the Warby Parker or Toms of student loan refinancing companies.
Earnest is another student loan refinancing company that I’ve personally used and that I had a good experience with. Like with any student loan refinancing company, you’ll get a better interest rate compared to whatever your current rate is. Of all the student loan refinancing companies, I’d definitely say that Earnest has the best looking and most intuitive payment platform. Other student loans companies outsource the payments to third parties, but Earnest keeps it in-house, making for a much smoother repayment experience. Definitely something to consider, in any event. Refinance your student loans with Earnest using my referral link and you’ll also get a $200 signup bonus.