Tools & Resources
These are the tools, apps, and resources I personally recommend for budgeting, saving, and building wealth. Some links on this page are affiliate links — if you sign up or make a purchase, I may earn a small commission at no extra cost to you. I only list tools I genuinely believe in.
Budgeting Apps
Not sure which app is right for you? See our full budgeting app comparison — YNAB vs Mint vs EveryDollar vs GoodBudget, side by side.
YNAB (You Need a Budget)
The gold standard for zero-based budgeting. Every dollar gets a job. Best for people serious about getting out of debt and changing their money habits for good. Free 34-day trial — no credit card required.
Affiliate link coming soon.
EveryDollar
Dave Ramsey’s zero-based budgeting app. Clean and simple. The free version requires manual entry; the paid version syncs with your bank automatically.
Affiliate link coming soon.
GoodBudget
Envelope budgeting without the physical envelopes. Great for couples managing money together. Free plan available.
Savings & Banking
High-Yield Savings Accounts
Earn 10–20x more interest than a traditional savings account. Rates change frequently — check current top offers before opening one. Use our HYSA real-yield calculator to compare what you’d actually earn after inflation.
Affiliate link coming soon.
Acorns
Invests your spare change automatically. Best for beginners who want hands-off investing with small amounts. Takes five minutes to set up.
Affiliate link coming soon.
Credit & Debt
Credit Karma
Free credit score monitoring, credit card recommendations, and loan comparisons. Completely free, no catch.
Credible
Compare personal loan and refinancing rates without hurting your credit score. Great for consolidating high-interest debt.
Affiliate link coming soon.
Cash Back & Rewards
Rakuten
Get cash back at thousands of online stores. Free to join, and you earn a bonus just for signing up.
Affiliate link coming soon.
Free Templates
Sign up for the newsletter and get my free Monthly Budget Template delivered to your inbox — includes income tracking, expense categories, savings goals, and a running balance.
Books Worth Reading
- The Total Money Makeover — Dave Ramsey
- I Will Teach You to Be Rich — Ramit Sethi
- The Psychology of Money — Morgan Housel
Amazon affiliate links coming soon.
Have a tool you’d like me to review? Get in touch.