Best for Managing Subscriptions: Clarity Money. Clarity Money. Courtesy of Clarity Money. More and more companies are moving to subscription models. In the process, it’s easy to lose track of subscriptions you’ve signed up for. Clarity Money aims to help you stop throwing away on unused subscriptions by helping you uncover and cancel subscriptions you’re not using. On top of getting rid of extra subscriptions, the app analyzes your spending behavior and gives you recommendations to improve your financial health. Clarity Money allows you to make regular savings deposits and attach a goal to your savings. You can even create several savings funds with different goals. Your savings deposits are helped at an FDIC-insured bank and are insured up to $250,000. Stay on track with your monthly budget by showing how much you’ve already spent – provided you’ve linked your debit and credit cards. You’ll also get access to your free VantageScore credit score by Experian.
Unfortunately, you may not be able to avoid finance charges on all types of balances. Balance transfers and cash advances don’t have a grace period, so finance charges start accruing as soon as the balance hits your card. When it comes to these types of balances, the best way to avoid a finance charge is to stay away from those transactions completely. The exception is when your credit card has a zero percent interest rate promotion, but these rarely apply to cash advances.
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Moneydance for Linux offers several impressive features, including multiple currency support, currency rate updates, an organized home page, and backup to Dropbox. Easy-to-install extensions are available to enhance many of these features. Like most good personal finance software, Moneydance has online banking capabilities. It features graphs, reports, and a nice summary page to give you a visual feel for where your finances stand. You can use it to set up payment schedules for recurring or one-time transactions. You can also get a Moneydance app for your iPhone if you want to keep your budget with you at all times.
The Best News Magazines That Cover Finance, Business, Markets and the Economy. The Economist: Although not a dedicated finance magazine, this is one of my all time favorite publications. I find the articles help me gain perspective on what is going on here in the United States by framing things in a more global context. The Economist describes itself as an ”authoritative weekly newspaper focusing on international politics and business news and opinion.” This one is a must read.
The Best Finance Magazines That Cover Personal Finance. Kiplinger: I think Kiplinger offers some of the best practical, no-nonsense and objective personal financial advice you can find. For example, they pick their top 25 mutual funds every year, and at the end of the year they objectively compare their picks to an equivalent portfolio of index funds and publish the results, which often show that the index funds outperform. Kiplinger offers monthly magazine subscriptions broken into specific topics as well as the Kiplinger Letter and the Kiplinger Tax Letter which come out weekly. They also have the Kiplinger Retirement Report.