FIRE Tool-kit

Financial Tools are all over the internet now.  There are a lot out there and you should do your due diligence when selecting them.  Here’s a list of my personal financial tools that I use to fix my finances.

Honestly, my favorite app and my newest.  Why?  Because I’ve actually wanted an app like this forever.  Ever since I owned a debit card, I wanted something to round my money up to the nearest dollar and put it into savings.  Better yet, they invest it!  You can read my review of Acorns here.

Previously, I had been using Ally.  At the end of the day they can’t compete with $0 transaction fees.  That being said, Robinhood has had a few hiccups so Ally may hold some additional reliability since they are a little more well established.  The interface is pretty easy to get around, but it’s mostly used through your cell phone.  If you prefer a web application for trading this may not be the one for you.

I’ve been using Betterment for a few years, since reading all of the great recommendations from other personal finance bloggers.  I definitely like the simplistic interface and have no complaints.  Easy to invest and requires very little thinking and they have low fees.  I would recommend this to anyone who just wants to set it and forget it.

American Express savings offers almost best in class interest rates per year.  The transfer funds process is fairly quick on top of it.  Previously, I had a Capital One 360 account, which was great for the sign-up bonus and 2% interest rate, but maintaining a $10k balance to get that rate wasn’t my favorite.  

I was weary to use this tool for a while, just because you have to link all of your account information.  However, after several recommendations from the online community I decided to try it out.  It’s amazing!  It really is a great tool track your finances.  Much easier than on an excel spreadsheet!  Plus, they let you play with retirement scenarios you can save.  Pretty slick.

The holy grail of the personal finance community.  Vanguard goes straight to the source for index funds.  If you’re not afraid to choose your own funds then this is the place.  They offer super low fees on many of their funds and if you have higher amounts invested the fees can be even lower.

I recently joined Mint Mobile, previously known as Mint Sim and am loving it.  If you’ve ever used T-Mobile then you’ll know what to expect for call quality and reliability, which is great in my area.  They start as low as $15 a month for 2gb of data w/unlimited talk & text.  You can read my review and get more information here.