Here is the best listing of resources we’ve been able to come up with that will help you manage your money without breaking the bank.
Personal Finance Forums
Getting ahead financially require supportive peers. Here are 2 online communities which are friendly, supportive and 100% completely free.
Here are 3 less known, but still solid software packages you can download and use. They are all 100% totally free.
Free Credit Scores
Knowing your credit score helps you plan and reduced your borrowing costs. Here are 2 free services you can use:
Budgeting and Investment Tools
Budgeting and investing are the foundations of personal finance. Here are some tools you may want to try out:
- USAA Bank
- Investment tools by Personal Capital
- Net worth and budget spreadsheets from Thousandaire
- Budget templates by Budgets are Sexy
- Vertex 42s debt reduction calculator
Personal Finance Books
The Intelligent Investor – The author, Benjamin Graham, is the greatest investment and value advisor of the 20th century. This book is continually updated to reflect prevailing market conditions and is considered as the stock market “bible”. It retails for something like 12 bucks online.
The Automatic Millionaire – David Bach is famous for coining the phrase “the latte factor”. This book gives you everything you need to know, including phone numbers and websites, for you to start becoming an Automatic Millionaire from the comfort of your own home. The main idea here is to set up automate your finances through stock purchases and balance transfers to savings. Do it once–the rest is automatic! Click here to find out more.
Freakonomics – This book has spawned a sequel and even a documentary since its publication. Eight years might seem to be a long shelf life for a book particularly one dealing with current events, but considering it as one of the first books to push economics and data science into popular consciousness, we think you should take a look. Click here for a copy.
Think and Grow Rich – First published in 1937, this book is a groundbreaking work on the psychology of making money. The author, Napoleon Hill, spent the better part of 20 years researching the self-made wealthy and distilled 16 major lessons from his subjects. The main idea is that faith, desire, and persistence along with not giving into negative thinking results in success. Hill’s book has sold over 100 million copies worldwide and remains a personal finance best seller. Click here to get a copy.
The 4-hour Work Week – The old concept of retirement and the deferred-life plan are things of the past – there is no need to wait and every reason not to, especially in unpredictable economic times. Whether you dream of escaping the rat race, experience high-end world travel, earn a monthly five-figure income with zero management, or just live more and working less, The 4-Hour Workweek is the blueprint. Grab a copy now!
The Millionaire Next Door — The authors wrote this book based on their research to picture out what real American millionaires look like. Millionaires are better described as frugal owners of small businesses and not as spending machines who waste their money. Click here to get a copy.
Rich Habits: The Daily Success Habits of Self-Made Millionaires – The author interviewed over 300 millionaires and researched the daily habits that made them productive. Corley’s study shows that millionaires are more likely to read, set goals, eat healthy, develop several streams of income. The book is worth the read if you are interested in success in your own life. Get it here and get on the road to rich habits today.
The Richest Man in Babylon — This book was published in 1926 and sold millions of copies since then. The book teaches simple financial principles through parables and storytelling. They advocate saving, reducing your expenditures, investing to grow your wealth and mitigating risk. Click here to get with insights
Common Stocks and Uncommon Profits – A Stanford dropout, Philip Fisher Sr. is one of America’s most influential investors. The book was first published in 1958 and has had a huge impact on the practice of growth investing since then. Fisher is famous for saying investors should hold long term stock positions in technologically innovative companies. If you are into stocks, buy this book.
Dave Ramsey’s The Total Money Makeover is a Classic. Today we all hear about get-rich-quick schemes and diet plans that leave us with a lot of ideas but not a single penny in our pocket. This book is one of the simplest, most straightforward game plans to completely make a financial makeover. A book to read if your finances are in bad shape. Click here to get financially fit.
In Your Money or Your Life, Vicki Robin shows her readers how to gain control of their finances and finally begin to make a life as opposed to just make a living. Get it for 10 bucks!
Rich Dad Poor Dad. The author Robert Kiyosaki is famous for observing that in contrast to the poor and middle class, the rich invest in income producing assets. Kiyosaki also outlines how this process creates wealth and puts it all in simple narrative language that even young children can understand. His book is a massive bestseller, for good reason. He’s put his finger on the pulse of what it takes to get wealthy. Click here to get a copy. You won’t regret it.