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The Best Tools to Manage Your Money, Life, & Hustle

There are so many great tools and apps out there to help with your finances and your life. Here are the ones that I use, love, and highly recommend.

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These are the tools I used to help manage my money.

1

Chime - for saving

Chime works by starting a spending account (takes 5 minutes) and opting into the automatic savings plan. (Learn more about getting started with Chime).  Every time I use the Chime Debit Card it rounds up my purchase to the nearest dollar and puts in in savings. Right now they also offer a double round-up bonus on those savings. All those withdrawals add up over time. Chime is free to use, with no monthly fees. With Chime, you end up saving money without having to think about it.

2

Qapital -for setting and reaching money goals

If you don't want to open up a new bank account, then Qapital can help you reach savings goals. Once you have the Qapital App installed and a bank account (or in my case three) connected you set up a goal or goals. I currently have two, one to save for taxes #selfemployed and one to save for spending money when I travel hack my way to Paris. Then you set savings rules for each of your goals.

For example, I have a round up to the nearest $2 rule, a guilty spending rule -when I buy Dominos, and a savings rule for every time I hit my step goal with FitBit. There are tons of different savings rules you can set up and the best part is Qapital is free to use. Bonus, when you use my link you'll get $5 after your first savings.

3

Qoins - for paying down debt

One way I'm making extra debt payments is with Qoins. When you sign up for Qoins, you connect your bank account and then spend as you normally would. Qoins will round up your purchases to the nearest dollar and put that change towards an extra debt payment.

Basically, Qoins will help you pay down debt faster by applying an extra payment for you by using your spare change. There is a $1.99 charge each month. However, they take it out of the spare change they set aside for you so you never see a charge in your bank account. If there isn’t at least $10 in your Qoins account they will roll that amount into the next month free of charge.

Learn more on How Qoins Can Help You Pay Off Debt Faster

4

SoFi - for refinancing

If you have private loans or your debt to income ratio allows, consider refinancing with a company like SoFi. Learn more about what it's like to refinance with Sofi. Refinancing my bar loan with SoFi ended up saving me over $1,000. Use my link to refinance your student loan and you'll get a $100 bonus. 

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