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Ways to Manage, Save & Make Money
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items Money is a tool. People often have a lot of emotion tied up with money and and many have a scarcity mindset. Neither help you get ahead. If you can see it for what it is - just a tool to utilize - then life gets much easier.
Sections
6
Learning
Earning
Budgeting
Spending
Saving
Planning/Investing
Learning
Money problems aren't just money problems. They're mindset problems. If you're willing to sacrifice and delay gratification, you will get much further ahead.
This is a great place to start!
Your Money Or Your Life: Achieve Financial Independence
If every teenager read this and put it into practice, life would be so much easier!
Set for Life: An All-Out Approach to Early Financial Freedom
Mindset is everything! It dictates what you think is possible, decisions you make, and where you eventually end up.
Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth
You can either trade your time for money, or you can find ways to make money in your sleep.
Rich Dad Poor Dad: What the Rich Teach Their Kids about Money That the Poor and Middle Class Do Not!
Earning
When you start looking, opportunities are everywhere!
I'm just getting started with this, but conceptually, it doesn't seem super complicated and it has a TON of potential. The community is very active and helpful.
Community Card Playbook
This guy is insane! He can't stop coming up with business ideas. He's too busy with his own businesses, so he just gives ideas away for free every day! Many you can start with almost $0!
Chris Koerner on The Koerner Office Podcast
This is a really easy way to earn some cash while just living your life! Especially if you work from home, just having someone else's pet stay with you can easily bring in $50/night.
Pet Sit for Cash!
Budgeting
Budgeting is the foundation of your entire financial life. Nothing really happens until that is locked in.
This is a great, simple budgeting app. Every dollar needs to be accounted for. Also, pay yourself first! Allocate money for savings at the beginning of every pay period. Don't wait to see what's left at the end of the month.
Quicken Simplifi
For those wanting a more robust budgeting software, this is great. It's essentially a digital envelope system.
YNAB
This is one of my absolute favorite apps I have ever gotten. It pulls recipes off of websites and stores them on your device. No more pinned recipes that you can no longer access because their blog goes away!
The reason I put it in this folder is because making meal plans and sticking to them can save you TONS of money. This app makes it really easy to do that.
The reason I put it in this folder is because making meal plans and sticking to them can save you TONS of money. This app makes it really easy to do that.
Paprika Recipe Manager
Spending
Spending wisely is really important. Buying things that last, when you can, saves money in the long run. It's often wiser to buy something antique because things used to be made better. Getting proficient in the kitchen can save TONS of money!
Use re-usable kitchen towels instead of paper towels whenever possible! This saves a lot of money.
Waffle Kitchen Towels
Use re-usable napkins instead of paper ones!
Linen Dinner Napkins
Trust me, get into the habit of throwing dinner into the crock pot before work. Your hungry, tired future-self will thank you, and so will your wallet. Save some leftovers for the week and freeze some for another week!
Crock-Pot® 8-Quart Slow Cooker
These are great! They're very hard to break, so they last decades.
Durable Glasses
Whenever possible, always try to buy the highest quality of a given product. Otherwise, you will be replacing it, maybe multiple times.
Buy it for Life: Durable, High Quality BIFL Products built to last.
Here's another company that has compiled high quality products. If at all possible, save up and buy something that will last for generations, rather than replacing the same cheap item over and over again.
Products That Are Built To Last
Saving
All it takes to blow through $10,000 in a year is to spend $27.40 per day. Little things add up.
There's absolutely no reason to pay too much for a cell phone plan anymore! We've been using Mint for years and it's been great!
Cheap Phone Plans
I LOVE this program! It automatically searches for any discount codes anytime you are checking out on a website. It also gives cash back. Once you build up some money in the account, you can use it to shop!
Capital One Shopping
If you can be disciplined enough to pay your credit card off every single month, then you may as well put every bill you can on it and earn cash back. Only do this with money you are going to spend anyway, and that you know can be paid in full every single month.
Citi Double Cash Card: Earn More with Every Purchase
This lets you buy food that would otherwise have been thrown out by restaurants and grocery stores for a discounted rate. There's also a FB group, which is helpful.
Save Good Food From Going To Waste
If you have books you don't need anymore, list them on this site. If someone requests them, you get a credit that you can use to get a book shipped to you for free.
Paperback Swap
This automatically rounds up any purchases you make and puts the difference in savings.
Automatic Savings
A sharing app that lets you get free and/or low-cost food from other people in the community.
Olio
Free books! What more could you want?
Booktrovert: Your Next Great Read is Waiting
Planning/Investing
Once your foundation is set, then you can look at optimization. Fixing your credit and making future plans is next.
This is free access to your credit, plus it gives recommendations to improve it.
Credit Karma