Products That Kick A$$
What up, what up, finance nerds! I figured it was about time I created a page with all the products & services I love and use on a daily basis in hopes that it helps y’all out. I always get asked what kind of books I recommend, or services I use for banking or insurance, or even blogging, so now all your burning questions shall be answered in one awesomely updated spot :) Hope it’s useful!
Favorite Financial Stuff:
We’ll start out with my favorite bank and books, and then work our way down to other sexy products like blogging and making money from blogging… If there’s an area I missed, lemme know!
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USAA Bank — My favorite financial institution ever. I love their products, I love their customer service (always highly rated), and I love how they provide anything financial I need. With over 10 accounts signed up to them myself, it’s a safe bet I’m never leaving :) |
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Digit (FREE) — This is a new company exploding on the scene that automatically helps people save money without lifting a finger. I was hooked from the second I tried them and have since been saving about $200/month using ‘em. I highly recommend if you suck at saving! [You can see my full review on Digit here] |
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Mint.com (FREE) — If you’re new to tracking your money, Mint is a great place to start. They automate all your accounts so you can see where your money is at all times, and they help you to budget and track your net worth as well. |
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Personal Capital (FREE) — If you’re looking for a more robust financial tracker, Personal Capital is the way to go. They’re like Mint but on steroids, and have much better tools for investment and net worth tracking. Most personal finance bloggers love and use them since they automatically give you a snapshot of where all your money is along with super helpful graphs. [Check out our review here] |
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Credit Sesame (FREE) — The best place to check and monitor your credit score. They’ll even email you when it goes up or down which is pretty cool. Check ‘em out and see if you can beat my 788 score! |
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I Will Teach You To Be Rich — Hands down the BEST book out there for the younger generation. It’s funny, educational, and just downright FUN to read. And a super easy one at that – which anyone with A.D.D. like me can appreciate ;) If I were to write a book, I’d imagine it would look a lot like this. (Ramit’s also a PF blogger) |
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The Millionaire Next Door — One of my all-time favorite books. A bit dry & statistical at times, but the first book that really opened my eyes and got the “lifestyle” part to sink in. The average millionaire isn’t what you typically expect (in fact, they’re quite the opposite), so if you like that kinda stuff, I def. recommend paging through it. Ya gotta have the mindset if you want millions! |
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The Automatic Millionaire — This is my 3rd favorite financial book, and one I refused to read for quite some time. Just seemed too fluffy and so “look how easy it is to do!” kinda thing. But after being bored one day and sucking it up, I was VERY glad I did :) It’s kinda basic and on the lighter side, but if you’re one who needs someone to tell you in detail what to do – and you listen! – you’d be on the fast track to wealth in no time. Great book for any beginner. |
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The Richest Man in Babylon — Oh baby, a classic! This thing was written in like the 1920′s or so, and have sold in the MILLIONS so far – pretty crazy. Well, not crazy cuz it’s a GREAT book, but you know what I’m saying… This is another quick read and really differentiates itself by teaching financial principals through story telling (like fable stuff). Takes place thousands of years ago way before the World Wide Web and/or Mr. Dave Ramsey ;) |
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Kiplinger and Money — My two favorite financial magazines! If you’re one to learn a lot better in shorter spurts of information like I am, any of these guys will do the trick. I’m honestly subscribed to both of them PLUS 8 others (I’m a magazine addict) and they’re great reminders to stay on track and get motivated! |
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Outright ($9.99/mo)– This is the service I use to track all my *business* money. Similar to Mint and Personal Capital, they make accounting for income and expenses super easy and simple. I really can’t tell you how much time (and stress) they’ve saved me over the years – I’m even on their testimonial page! :) |
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eHealth Insurance — Many of you probably get health insurance through your employer, but if you’re ridin’ solo like yours truly, I’d recommend giving eHealth a shot first when looking to pick some up on your own. When I blogged about needing to get some (and not knowing *where* the heck to start), a handful of people raved about them and said it’s where they got their insurance too. So I gave them a try and 30 mins later I was all set! They’re like an insurance aggregator, and I ended up choosing BCBS through them – cool stuff. |
Blogging Products I Swear By:
I use all of these guys for BudgetsAreSexy, as well as other online projects I work on. Big fan of them and have never had a problem yet…
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WordPress — The ultimate (and free!) blogging platform. It’s the best in usability, the best for tweaking and updating designs and templates, and the best in SEO and other related back-end stuff that you’ll come to learn and like as your blog gets bigger :) I left Blogger.com for WordPress and have never looked back! (PS: There’s also a WordPress.com, instead of .org, which is perfect for beginners too) |
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Thesis Theme — This is the template I use for the look and feel of BudgetsAreSexy. It’s a bit more costlier ($200ish?) than other templates out there – esp the free ones WordPress offers! Haha… – but it’s CRAZY tweakable and you’d be amazed at the sites you visit that also use Thesis in the back end :) Another thing I love about it is how well it’s set up for SEO – very important when your blog becomes your business. |
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Go Daddy — I’ve been using these guys for over 15 years now and have yet to experience a problem with them. I know some people hate their CEO, but it’s hard to deny how reliable and awesome their services are – esp. when it comes to domain names (I have all 20+ of my urls with them). I’ve also used their hosting for most of my sites too – a super easy company to get your blog or site up and running. |
The 2nd Best Money Blog Out There ;)
Being in the blogging game for over 7 years, I come across a LOT of articles about money. Most of them are alright, but “alright” isn’t that exciting or motivational at the end of the day. So the goal of this site is simple: I only feature the AWESOME articles on it :) Every day I scan 100-200 articles and feature the best ones I find in hopes they motivate and inspire you. The “rockstar” content, if you will. It’s also a great place to find other kick-ass blogs to read after you’re done with mine ;)
You can check out the site here: RockstarFinance.com.
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*Some of the products above I get paid for if you sign up, and others I don’t. But know I only promote those I truly believe in, so I have no problem pimping ‘em out!
Budgets Are Sexy has been lovingly prepared by me, 
{ 30 comments… read them below or add one }
Excellent Directory.
I will dare to add a securities broker, I guess you use USAA for that?
I’m also a fan of Dave Ramsey’s Total Money Makeover and YNAB budget software.
@Irving – Ooooh, good call! Yes, I do use USAA cuz I love having everything in one spot like that, BUT if I weren’t with them then I’d totally be with E*Trade. I have a soft spot for them having worked there many many years ago, and even then their stuff was top of the line. I can’t even imagine how awesome it is now! So thanks for the tip – I’ll go and add them up now :)
@Christina Owen – Yes, both very awesome products too! I’ve never peaked into either of them, but I know they both have some pretty hardcore fans :) Maybe I’ll add a “Products other people recommend” section at the end? Thanks for the tips.
Awesome set of resources here, J$. I recently found Outright and I agree, it’s excellent software for business accounting.
I love Mint, my only vice is that I can’t integrate my Ontario student loan with it–the work around is super lame!
Since conquering my student debt is like the magnum opus of my financial life, this is a deal breaker!
I’ll second YNAB. We’ve only been using it a month, but it’s totally changed the way we budget.
@Carrie – Careful Cents – Glad you like it too! It’s my new best friend right now, I can’t even say how much happiness it’s brought in my life so far, haha…
@Frugal Fries – Ahhh, good to know! I wonder if it’s just a matter of time until that one’s approved like the rest too? Or if it’s a lost cause? Either way sorry to hear :(
@Ryan – Yeah? I think they have some hardcore fans… maybe I’ll poke around it more and consider adding it up if I fall for them. Thx for the info :)
Surprised you didn’t add Rich Dad/Poor Dad — that and the Millionaire Next Door seem to be the only two poles that all personal finance orbit around (the world boils down to either “save a lot and amass decent wealth by the time you die” or “develop other income streams that don’t require your time and effort”).
More practically, I just did a 401k rollover through a site I read about on another blog — FiPath.com. I thought that their comparison tool was awesome, and I ended up moving my 401k to Zecco and saving a ton–a firm I didn’t even know about until using the FiPath tool. Worth taking a look at if you haven’t done so already.
I think YNAB has a 30 or more day free trial if you want to check it out.
@J – Yeah, indeed! Before, we didn’t have a budget (fo’ shame), unless you consider flying by the seat of your pants and hopefully the timing of paychecks works out well “a budget”.
So after researching, (I actually found the YNAB link here on B.A.$.) the one month buffer idea is what really sold me. How cool is it to have all the money you need to pay your bills the month before they are due?
You truly don’t need the software to do this method (it does make it much easier to track), but the YNAB folks have a free pdf book on their site that explains how the process works. So if you’re good at excel you could probably whip out your own template.
@Rick – HAH! Rich Dad Poor Dad was actually the very first book I read on business/money yearrrrrrs ago before I even knew what blogging was :) I actually did enjoy it, but I remember not knowing exactly what to do next? And then of course it was all on real estate and we know what happened there, so it would be interesting to go back and read it again with a fresh perspective… but prob. still won’t add it up here ;)
RE: FiPath — Yeah! Great team over there too – I actually talked w/ one of their biz guys a couple of weeks ago, very friendly and seem to really have a good product there. They’re pretty unique in what they’re doing, and they’ve spent a TON of time researching and making sure they have a quality product. I bet they’re very successful and help a lot of people – glad you got something out of it!
@Christina Owen – For sure, I’ll have to do that :) Probably got a lot better since I first heard of them 3+ years ago too.
@Ryan – Hah! Isn’t that funny – I do remember linking to them a while back (maybe in my budget spreadsheets page?) so that’s awesome you found them and even better you like ‘em! Glad you’re up and rollin’ now bro!
Great list…thanks! I agree with the list completely but with extra emphasis on how amazing USAA is. The customer service is stupid awesome and I try to find excuses to call them to talk about my finances. Its like a financial therapy session and its hard not to feel great afterward. The only thing they don’t absolutely kick butt at is there stock trading setup. It’s gotten better over the last couple years but I bet they could really rock like etrade if they wanted to.
Thanks again for the list and keep the great posts comin’!
These are great recommendations and a great idea to show us a glimpse behind the BudgetsAreSexy curtain how you make the empire run. Thanks to you….I tried out Outright. Awesome service! I’m definitely digging it! Thanks!
@Captain Mike – Glad you enjoy them! Loving your use of adjectives too, haha… USAA *is* pretty stupid awesome ;) Damn glad they’re around for us.
@Hank – AWESOME!! I’m so glad, bro! I check Outright like twice a week now and it’s soooo easy to stay on top of and just SEE where all your money is coming and going. Which is great when you have all kinds of expenses and revenues streaming in from online projects – it was getting hard as hell for me to track, haha… let me know what you think about their weekly reports they email too – I love ‘em. They’ll tell tell you how much you’ve earned (or gone down!) on a weekly basis – pretty motivating either way ;)
Hmmm I’ve been thinking about some kind of PF book to get started with.. I Will Teach You to Be Rich #1 eh? Might have to get it a shot.
hey quick question on wordpress, what offline software do you use that’s compatible with wordpress, if any? You know, if the internet is down for 2 seconds, I melt if I can’t work on my blog.
Thx JM
@Tyler S. – Go for it! It’s pretty entertaining too :)
@Kathryn C – Haha… I actually don’t use any offline software w/ Wordpress that I know of anyways. If my internet is down, I just write everything up in Word or do my 1001 emails/etc until it’s back up again. Or I hit up my iPhone ;) If you wanna shoot over specific stuff you think would be helpful, I can ask around and see if I can find and answer for you? And you hitting up FINCON 2 in Denver by chance? Hope so! :)
50+ URLs!? What do you use all of those for?
Some of them are other sites I own and manage, others are 50% completed and waiting for me to do something on, and then the rest are ideas I have brewing 24/7 ;) It’s an expensive hobby to stay on top of, but ya never know which will take off an more than make up for it all, eh?
I read the millionaire next door and I will teach you to be rich. Thank you for the recommendations!
I loved the millionaire next door it is truly an eye opener. I loved that it was a 20 year study.
I was not greatly impressed with I will teach you to be rich. The author does not practice what he preaches (he is an entrepreneur but he recommends others having salary jobs).
Thanks again! Another great one is The Truth About Money 4th Edition by Ric Edelman.
Glad you liked (most) of them! :) Not gonna put words in Ramit’s mouth, but I’d imagine it’s because most people can’t succeed being entrepreneurs nor do they want to be which is why he’s talking to the general masses in my opinion… I could be wrong though. Either way the book really stood out to me. I’ll have to check out The Truth About Money – haven’t heard of it yet, so thanks!
He who has the highest credit bureau score does not win. 788 in your case may be awesome look at the FICO chart on how a score is tabulated. It is kinda NOT something to be proud of. I am in foreclosure area of banking and I can tell you that the score differnce between someone who is fine on their mortgage and another who is about to loose their home can be less than 20 points, like in the 700s and still loosing their home. Also consider that once you are debt free, pay cash for everything and have $1 million in the bank in liquidity….who cares what your credit bureau score is?
True indeed, my friend. It’s only important when you want to borrow a crap ton of money ;) You should check out this post we recently did if you like the whole credit score debate – I bet you’ll fit right in there: Does Your Credit Score Matter If You Don’t Do Debt?
Thanks for feeding this year’s reading list with some good picks. Read ‘em. Loved ‘em.
Thanks for the kind words – glad you’re enjoying them!
I like the Outright (now GoDaddy) interface, but without the ability to reconcile, I can’t rely on it for my bookkeeping. Unfortunately, I’ll have to continue using Quickbooks. Any thoughts?
Sorry, I just use outright mainly :(
A comment on Outright.. I don’t know how you get it for free but the site states that it costs $9.99 per month. I’ve had it in the past and Yes, that is what they charged me. I feel their service went down hill since they sold out to Go Daddy. that’s been a couple of years ago and that’s when they started charging for the service.
Good catch! I hadn’t updated this page in a while so I made the adjustment… I still love and use them personally, but I agree I haven’t seen any new improvements or anything these past cple of years… Though I just use the bare bones of what they offer anyways – my business stuff is pretty clear cut :)
USAA is for veterans and eligible family members. Anyone else you’d recommend for checking/savings, etc.?