Complete Idiot’s Guide to Managing Your Money. Don’t be offended by the title. This plainly written book shows that anybody can learn to manage their money effectively, and is full of consumer tips, advice on mortgages, debt, mutual funds, auto loans, bank fees, credit cards, and other money-related matters. The book, written by expert financial columnist Robert K. Heady and financial writer Christine Heady, has already gone through four editions and sold millions of copies.
Consider a Robo-Advisor, One of the latest trends in investing is the use of robo-advisors, in which a company manages your investments with very little human intervention. Money is instead managed through mathematical instructions and algorithms. Some major discount brokerages including Vanguard, E-Trade and Charles Schwab have robo-advisors services, and there are a number of newer companies including Betterment and Personal Capital. The jury is still out on whether robo-advisors offer above-average returns. But in theory, using a robo-advisor will enhance your chances of making optimal and rational investing decisions. Moreover, as more investors turn to this automated approach, we may see the conventional finance models become more accurate as human behavior plays less of a role in how markets perform.
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Deferred interest promotional offers are often promoted similar to zero percent balance transfers, but they’re a little different. A deferred interest offer will backdate interest on your balance – assess the full finance charge from the start of the promotional period – if you don’t pay the balance by the time the promotional period ends. Always read the terms of your promotional offers to know whether you need to pay off the full balance before the end of the promotional period to avoid paying finance charges on the balance. You don’t want to be caught off guard with several months of finance charges added to your balance.
AceMoney from MechCAD Software is easy to use personal finance software that claims to be the best alternative to Quicken or Microsoft Money. AceMoney doesn’t look quite as polished as the other two, but it does the job when it comes to tracking financial accounts and a budget. Setting Up AceMoney: Setting up and installing AceMoney is a very simple process. During the setup procedure, you’re given the opportunity to select a default language and currency along with other options. The list of available languages and currencies is quite long, which undoubtedly contributes to the popularity of this personal finance software worldwide.
Best Visuals: Mobills. Mobills organizes your expenses in categories so you can track your spending is progressing toward your budgeted amount. See the amount you have remaining to spend in each budget category so you can rein in your spending as needed. The budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place. You can add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the app’s features.