Top 10 Best (and Free) Online Budgeting Tools

In these tough economic times, many recognize the importance of financial planning.

You want to ensure that your resources are directed to best effect, and that means creating a spending plan that works well for your situation, and helps you prepare for the future.

online budgeting tools

Good budgeting software can help you take charge of your finances.

Happily, a large number of free online budget tools exists. You can get help for nearly any budgetary need you have.

Here are some of the best free online budget tools that can help you chart a course to financial freedom:
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Home Sweet Home: What is the True Cost of Having Your Own Home?

Waking up in a place of your own with the birds chirping right outside your window is a great feeling.

You go outside and enjoy your coffee on the back porch, simply enjoying the quiet that comes with not living in an apartment.

Your neighbors are friendly, the sun is shining, and you know it is going to be another great day of owning a home.

true costs of owning a home

Everything is going great… until the peaceful morning is ruined by the sound of your air conditioner going out.
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The 11 Best Personal Finance Software to Get Your Money Swag On

Long gone are the days of grabbing a legal pad, a calculator, and a pen to handle big personal finance tasks.

You can now manage your budget, monitor your investments, execute your debt payoff plan, and build for a better future with technology.

We’re highlighting some of the best personal finance software available whether you need to manage your money on your smartphone or at a computer.

Most of these personal software options are free (yeah baby!) and are compatible for most Mac’s and PC’s.

Are you ready to get your personal finance swag on?

best free personal finance software

Let’s take a look at some of the best (and mostly free) personal finance software to help manage your money.
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4 High Rate of Return Investments to Add to Your Portfolio Today

high rate of return investmentsBefore you focus on high return investments, or investing of any kind, you should make sure you are not paying high interest on debts.

If you’re paying more in interest on debt you owe than you can earn through investments, you’re going to immediately lower your return on investment.

In other words – the interest you save by reducing debt is higher than what you are likely to earn through investing.

For example, if you’re paying 18% interest on credit card balances and will only receive 9% return on your best investment – it’s costing you 9%.

The first step to any investment plan should be to pay off all high interest debts.

If you are debt-free, or have only low-interest debt, you have some options for easy to manage high return investments, including high interest savings accounts, peer to peer lending services, starting a business, and low cost index funds.

Whichever methods you choose, you’re best results will come from setting up automatic deposits for both saving and investing, according to a schedule you can comfortably afford.
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Don’t Pay Late! Different Ways to Set Up a Bill Reminder

Ways to Set Up a Bill ReminderWhen it comes to paying bills, I’m horrible!

Luckily, I’ve found a way to outsource it….to my wife. :)

My wife is the queen of paying our bills on time and refuses to let a bill go unpaid or pay a silly late fee.

To my amazement, she doesn’t need an app on her iPhone to reminder her when a bill needs to be paid like I would.

She just uses a simple single sheet of paper pinned up next to our home computer (see pic to the right). She definitely completes me.

For those that need more than a single sheet a paper, I’ve asked Miranda to share some neat ways to setup a bill reminders so that you never pay another late bill again.
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