What can I say about The Consumerist that you don't already know? What, you've never heard of The Consumerist? Then let me start from the beginning. They are a sister publication of Consumer Reports. They report new stories that relate to consumer and financial matters, as well as help get the word out from their reader base about things of interest. They've helped a ton of people find closure on issues they've had with large corporations and their customer non-service departments. You can find warnings about new scams and viruses, as well has helpful hints on how to save for the future.
I've found many great resources on this site for securing my financial future, as well as hours of entertainment reading articles about the follies of people and companies.
Showing posts with label review. Show all posts
Showing posts with label review. Show all posts
Tuesday, January 10, 2012
You Need a Budget (the book) Review
Now, I'm not personally familiar with this program, but they have a book available to read free of charge online, and it is wonderful! I read the whole thing, and it basically describes the exact process I use for managing my money. I had already put a process in place, using Quicken Online (which is unfortunately no longer available) that basically follows the principals of the book to a T. For anyone who is in need of a budget, I highly recommend you start by reading the free book.
The software associated with the book does offer a free 34 day full-featured demo. The software integrates all the best things you would want from a budgeting standpoint, including tracking your spending and savings, and planning future expenses.
The software associated with the book does offer a free 34 day full-featured demo. The software integrates all the best things you would want from a budgeting standpoint, including tracking your spending and savings, and planning future expenses.
Mint Review
Mint.com has been a big name in online budgeting tools. Personally, I don't use it a lot, but when I do I am amazed at what I find. This is the very best tool to figure out where you spend your money. They take the data from your bank accounts and give you a wonderful visual indicator as to where you spend your money. You can break down expenses into any number of categories, and the site does a good job of figuring out what categories most expenses fall into automatically.
Mint also offers a smartphone app (Available for Android and iPhone) that will let you see where all your money is and where it is all going. I use the app all the time before spending money to make sure I have enough to cover expenses from the account I want to use.
Mint also offers a smartphone app (Available for Android and iPhone) that will let you see where all your money is and where it is all going. I use the app all the time before spending money to make sure I have enough to cover expenses from the account I want to use.
Bankrate Review
Bankrate.com is THE site to use for all of your loan questions. The site is chock full of information about current loan rates and trends as well as numerous calculators to help you determine what you can afford, or how you can save money. Thanks to this site, I have a decent understanding of the mortgage process, as well as how much house I can afford and how much it will cost me. Using their calculators, I've determined that I could easily buy a better house than I thought I could afford for less than I'm paying in rent now, and still pay it off nearly a decade before the loan is due.
Even with all the information, they also give you access to an untold amount of lenders who are eager to help prospective customers. Once I've gotten my tax return, and am ready to start the pre-approval process for my mortgage, Bankrate will be one of the sites I start with.
Even with all the information, they also give you access to an untold amount of lenders who are eager to help prospective customers. Once I've gotten my tax return, and am ready to start the pre-approval process for my mortgage, Bankrate will be one of the sites I start with.
Yodlee Review
The name may sound funny, but the Yodlee is one of the biggest tools I have in managing my money. The site will allow you to enter your online banking credentials and download your transactions, showing you were your money is, and where it's going. That in an of itself is great, but what has really helped me is planning ahead. The site will allow you to add future transactions (recurring and one-time) and see how they will affect you. Some of you may be familiar with this concept if you ever used Quicken Online, but since the site shut down and Mint took its place (I'll review Mint separately), Yodlee became the best site for this kind of financial forecasting. Using current bills you can estimate what your future bills will be, and have a better understanding of how much money you actually have available. Before I started using a service like this, I would never know how much money I actually had free, and was constantly over-spending. Now, with the help of this tool I can keep track of all of my accounts in one place and plan for the future.
Clark Howard is the man!
Every chance I get, I listen to Clark Howard. He is a great resource for financial advice and tips, and he's fairly entertaining. His site is full of links and suggestions to get your financial situation under control. It is all thanks to him that I am where I am now, with my credit debt manageable and living within my means. I have used his site a lot, and will continue to use it as an invaluable resource in researching the process of buying my first house.
Credit Sesame Review
I figure I'd start off reviewing my suggested links with Credit Sesame. This site will allow you to track your current rating. It gives you a score on par with your FICO score, ranging from 300-850, although I do not believe the score it gives is actually your FICO score. It will update you monthly on your score, as well as changes over time in your score. With this site, it will also give you recommendations and ideas on how to save money and improve your credit. It also gives you a list of factors that may impact your score and possible ways to improve.
Along with all this, they offer badges, based on your credit, that you can share to "promote your financial responsibility and showcase your good credit standing". Unfortunately, at this time the sharing isn't working so I can't show you my badge, but when it's back up and working, you'll be able to see I've earned the Excellent Badge.
Along with all this, they offer badges, based on your credit, that you can share to "promote your financial responsibility and showcase your good credit standing". Unfortunately, at this time the sharing isn't working so I can't show you my badge, but when it's back up and working, you'll be able to see I've earned the Excellent Badge.
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