Tips to Improve Credit Score Even on a Smaller Income

Whether you make a million dollars per year or are living off of minimum wage, you are still responsible for your debt obligations.  Credit score is a huge factor in securing not only the best interest rates on the market, but can make or break even getting a mortgage, apartment rental, leasing a car, or could even cost you a potential job.  Even having a small income can’t be an excuse for lacking credit, so you should strive to have the highest score possible.

Make Payments On-Time

First and foremost, if you have monthly bills, pay them on time.  If you don’t, not only will you get late fees, but if you are thirty days late, they will show up on your credit report and severely damage your score, taking years to come off.  A large portion of your credit score is based off of history, so you want to show lenders that you are a responsible borrower when it comes time to application time, where any dip could cost getting you the best rate, which in turn will add significant amount of interest to your payments.

Come Up with Extra Money to Pay Down Balance

It is important to make sure you are out of debt, and I understand that making huge payments to pay down that balance can be tough on limited income, but in order to boost your credit score as your debt decreases and your available credit increases, you may have to come up with extra money somehow.  Now that it is summer, there are always opportunities to pick up a second job, but beyond that, you can have a garage sale, sell items lying around the house on Craigslist or eBay, or even donate items to get a tax break at the end of the year.

Keep Accounts Open, Even with Zero Balance

As you start to pay down and finally pay off credit card balances, your first instinct may be to close the account once it’s at zero balance, but that actually could be a mistake.  By paying the balance down to zero, you now have more available credit and no debt, which will boost your score, but if you close the account you are essentially taking away all of that available credit, so your score could actually decrease as a result.  If you are worried you may still use the card once it’s at zero, you can always cut up the card and still keep the account open.

Don’t Apply for New Credit

When you apply for loans, cards, etc., having your credit pulled is known as an inquiry, and while it may only reduce your score by a few points, having too many credit inquiries on record could give lenders the impression that you are looking to charge up your accounts, so it is best to only have your credit pulled when you are certain you are going to go through with the account, and that you don’t plan on continuing to open accounts afterwards.

Tips to Stay Out of Credit Card Debt

It is so easy these days just to either hand your card over for a purchase, or even worse, shop online, where you can buy with a few clicks, or even faster if using Amazon and you can make a one-click purchase.  It can be easy to fall into credit card debt, so much in fact that according to a recent study by NerdWallet, the average American household has more than $16,000 in credit card debt, and $779 billion for all U.S. consumers.  In order to prepare to be financially free by the time you hit retirement age, although it may seem like too far away to worry about now, you want to ensure you stay out of credit card debt today.

Spend Within Your Means

Sure, it can be easier said than done, but you should only spend what you can afford.  If you don’t have the money in your bank account now, don’t buy it, plain and simple, and if you want it, save up for it.  Either having a budget, or at least tracking your purchases will help in seeing exactly where your money is going, even taking a step further in analyzing purchases line by line and seeing if they were necessary.

Use Cash Instead of Plastic

With the ease of using your credit card everywhere you go, you can continue to run up charges over the next month until you receive the statement in the mail, and it’s from there you have to figure out how you are going to pay that balance by the statement due date.  A good way to avoid the credit card is to give yourself a cash allowance, sort of like what your parents gave you as kids, only being able to spend what you have until the next paycheck, and maybe seeing that cash transaction leaving your hand and into the register will be enough to give an impulse purchase a second thought.

Cut Up and Leave Account Open

If you just can’t seem to break the habit of using your credit card and you find yourself having one too many shopping sprees, you can cut up the credit card (and throw away the pieces so you can’t piece together to still shop online).  If you do lose the card, it is important to leave the account open, no matter the balance, even if it is at zero, otherwise closing the account would reduce your available credit and actually ruin your credit score when you think you are doing yourself a favor.

Remember What It’s Like

I used to have trouble with credit cards, and my motivation to stay on track is that I remember what it was like before, with the weight on your shoulders, wondering how you will ever get out of debt.  Fortunately, I was able to come out ok, but I never want to be in that position again, so if you had the same experience, or even if you have not, listen to us, and stay on course.

A Few Easy Tricks to Help Reduce Monthly Expenses

If you are looking to cut expenses down you are on the right track when it comes to saving a few extra dollars a month, in addition to just taking a look at unnecessary expenses.  Sometimes items that you use (or don’t use) could be cut as well, so it might be a good idea to take a look at what might have thought were normal expenses, and see if you can tweak a little.

Cancel Your Gym Membership

So as soon as January rolls around, maybe even December if you want to get a jump on the deals, you write down your New Year’s resolution that you want to start going to the gym to lose a few pounds.  You get into a rhythm, start going regularly and you see the weight start to come off.  Well something happens where you have to miss a day, and then another, and it’s the whole week you haven’t gone.  Well it gets harder and harder to go back once you missed, and pretty soon you are paying every month and not even going.  Save yourself the $25-50 a month you are spending and start to run, or at least walk, cut the grass, and work on your landscaping outside now that it is nice.

Cut the Cable Cord

Speaking of the weather and being outside, what are you doing inside watching TV anyways?  What better time to cut the cable cord then now.  With all of the streaming like Netflix, Hulu, and Amazon Prime, cable is becoming less and less like a priority with the rise of DVR and binge-watching, showing little need to watch live, and therefore increasing the need to cancel the always rising cable bill.  Without the need to pick specific channels to watch, it is less realistic to pay for all of the channels that are going to waste along with the money in your wallet.

Use Cash Instead of Credit

When you make a purchase and hand over your debit card there can be little thought about the money you have in your account and where you will be after the purchase, let alone use a credit card with virtually an endless amount of spending that could occur before you hit your limit.  In an effort to reduce purchases and at least give thought before handing over your card, try using cash instead of plastic.  You can then physically see the money leaving your hand, and only leaving you a certain amount until your next paycheck.

Skip the Bottle and Drink Out of the Tap

Yes, if you buy a case of bottled water from Costco it can only be a few dollars.  If you’re grabbing a couple for work, having after dinner, and taking one upstairs when you go to bed, you could be going through a case every few days, which if you add up over the course of a month or even a year, it could be huge savings if you could just take a water jug and fill up with the tap water as needed.

Now is the Time to Get Personal Finance on Track

I feel that I had a solid education growing up and into college.  I probably could have paid more attention and applied myself a little better instead of having priorities elsewhere, but when it comes to personal finance I feel like it was not that I was ignoring these life lessons; it’s that I was not taught.  This is not to blame my parents at all, I made my own spending and saving decisions, or lack thereof, but as I even studied business in college, I think there was a gap in what really should have been explained; how to set yourself up for financial success.  Whether you are already into your career or just beginning, it is never too late for a little financial improvement.

Create a Budget

If you do not allocate where your income goes, you could be on a spending free for all each month, so not only creating, but maintaining a successful budget is improvement for a little financial structure in your life.  While noting every dollar that is coming in, first take a look at what comes out first; your necessary monthly expenses such as rent/mortgage, utilities, car lease, and student loan payments.  Next comes items that you will need to set aside enough money for, such as food, gas, and spending money.  This is the tricky part, as you will need to figure out how much how much you should, and can, spend without being excessive.

Reduce Unnecessary Spending

This is where the excessive spending comes in, such as going out to bars and restaurants, shopping, and entertainment funds.  If you take a look at your last credit card/bank statement, go over line by line for purchases that were not necessary monthly bills, and circle each, adding up the total spending.  It will probably shock you, so the next step would be to see which items could have been avoided and work towards reducing unnecessary spending going forward.

Create an Emergency Account

While on a strict budget, any sort of unexpected expense can throw your successful planning out of whack, so you want to give yourself a little cushion.  You never know when you might have an auto repair come up, an unexpected home repair needed, or even worse, an unfortunate job loss.  For purchases, it would be nice to have the money readily available so that you do not have to put it on a credit card to try and figure out how to pay for it later.  Experts say you try and have three to six months’ worth of expenses available, though some will say six months may be too much and could have been better spend investing.

Contribute to Retirement as Soon as Possible

Although it may be the furthest from your mind, start saving for retirement as early as possible; you will thank yourself later.  Even if money is tight, if your employer offers a matching 401(k) program, at least put in the maximum company match, otherwise it could just be leaving free money on the table.

The Nuts And Bolts Of Day Trading

If you have just started learning how to trade, there are a few things that you need to take in to account before really getting into day trading. To start with, you will need to understand both basic terminology and concepts in order to build your foundation. These are however, just the first steps. After that, it is important for you to study the market, to learn how to analyze charts and familiarize yourself with the trading strategies used by professional traders on a daily basis.

Trading comprises of buying shares and trading it for profit in a matter of minutes or even hours. What traders usually look for are volatile stocks, which are those of companies that have either recently reported earnings or released news. Usually, day traders focus on stocks that are very different than those of a long term investor, when they make their trading strategy. Trading techniques need to be adapted as day traders’ decisions imply much more risk, than those of long term ones. This is why, day traders sell stock very fast after buying it.

Warrior Trading has a different strategy than other online trading schools. It first teaches the basics of trading on the online platform and then, it uses its online trading chat room in order to provide live examples to the traders. What Warrior Trading usually looks for are stocks that seem to quickly increase in value and continue to rise in it. In order for this trading technique to be successful, it is important to use the online trading chat, because one might spot a stock that is increasing in value, while others might not even notice it. This way, the whole group will be able to benefit from the raising value of the stock.

Learning trading strategies on your own might not be easy, this is why this online platform uses its courses for you to learn the basics in the field, such as the necessary terminology and concepts. Then, the online chat is the perfect place to continue your formation in the trading world as it provides examples to help you have a better understanding of the theoretical concepts that you have learned during the online classes. The third and final step, is you trading on your own. However, if you have problems or are uncertain about buying a stock, then an expert will always be available on the online chat.

If you need to get further information about day trading, then you can always find Warrior Trading on StockTwits, where our experts will kindly address any problem or uncertainty that you might have regarding online trading. Best of luck and remember to never stop trading!

Which Student Loans Should You Pay Off First?

For many college graduates, student loans are a fact of life. With rising tuition costs and fees, getting a degree often requires taking on at least some debt. After graduation, student loans can become quite a burden (among other forms of debt), requiring high monthly payments for ten, twenty, or even thirty years. It can be a daunting task to figure out how you will pay off these loans, particularly if you have multiple lenders or significant debt.

Student loans can prevent you from making major decisions like buying a home, switching jobs, or even getting married. Having a high level of student loan debt can also negatively impact your ability to save for retirement. That is why it is critical to come up with a plan for repaying your student loans.

Types of Student Loans

To begin to a repayment plan, you must first know what loans you have, and what their terms and rates are. There are two primary types of student loans: federal and private. Understanding the difference between these two types of loans is critical to formulating a strong plan for repaying them.

Federal student loans can either be subsidized or unsubsidized, and tend to have lower interest rates and better options for repayment, including forgiveness programs and income-based repayment. Subsidized loans are approved based on financial need. For this type of loan, the federal government pays interest on the loan while you are enrolled at least half-time at an accredited institution as well as during grace periods and deferrals. In contrast, unsubsidized loans are not based on financial need, and the government does not pay the interest on these loans at any time. Both subsidized and unsubsidized federal student loans have far more protections for borrowers.

In contrast, private student loans are issued by private lenders. The interest rates can be quite high, particularly if the borrower does not have a high credit score. Many private lenders require a credit check to qualify for a private student loan, and many borrowers under the age of 25 will need a creditworthy co-signer to obtain these loans. The borrower will still have primary responsibility for repaying the loan, but if the loan goes into default, then the co-signer will be obligated to repay it.

Now that you understand the basic differences between federal and private student loans, make a list of the loans that you have. Group them by category — federal or private — and write down the interest rates and terms for each loan. Using this information, you can make a repayment plan that takes the advantages and disadvantages of each type of loan into consideration.

Pay Off Private Loans First

In many cases, private student loans will have higher interest rates than federal loans. However, even if your federal student loans have slightly higher or equal interest rates than your private loans, you should still pay off your private student loans first.

The reason is simple: you have far more protections with federal student loans than with private loans. This includes repayment options that are based on your income, or the ability to defer loans in the event that you are unemployed or face a crisis. Private loans tend to be inflexible, with a set minimum payment due regardless of your individual situation. They also do not offer loan forgiveness, unlike some federal student loans. That is why it makes the most sense to prioritize paying off private student loans first.

However, just because you are focused on paying off private loans does not mean that you should overlook your federal student loans. They are still debt, and you have to stay current on them to avoid serious financial repercussions. While you are paying off private loans, you could choose to pay the minimum amount towards your federal loans. Then once you have paid off your private loans, you can work on your federal loans. Maintaining your bank account might get confusing, but there is plenty of help to make it simple and easy!

When it comes to paying off student loans, remember that the longer you have the debt, the more it will cost you. That is why it makes sense to pay off your loans as quickly as possible by choosing shorter repayment terms and/or paying above the minimum amount due each month. By setting a game plan and dedicating yourself to becoming debt-free, you can achieve your goals and build your financial future free of the burden of student loan debt.

Corporate Gains Boost the Dow

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While there has not been any new information from the Federal Reserve office concerning the stock index figures, investors have braced themselves for yet another cash in of corporate gains. This higher opening future can be attributed to the fact that market indexes are gaining points; Dow gained 100 points and S&P gained 10.5 points. NASDAQ also rose after it gained 34.5 point

As of this moment, the stock market’s biggest influence is the upcoming U.S. election, but investors’ decisions are also swayed by the Central Bank. There is an ongoing debate on the question of when the Fed will decide to increase the interest rates in the market. This discussion was mainly stirred after a comment from the St. Louis president of the Fed stating that low interest rates will most probably be the dominating figures in the market over the course of the next two, maybe three years.

The U.S. stock market is at a point where the productivity growth rate is low. This, as expected, puts a lot of pressure on investors to withdraw their money from risk ventures and put it into investments that will guarantee safe returns. The only problem is that these safe ventures are limited at the moment. Even worse, safe return rates on investments are low, expected to stay the same for a considerable amount of time in the future. With low safe return rates and low interest rates, both of which are not expected to rise anytime soon, the U.S. stock market is looking very bleak, something that will automatically turn away potential investors.

James Bullard, the St. Louis Fed’s president, made his comment not more than a month after he has cast a vote to maintain the interest rates of the market on the low. Hiking the interest rates may work in favour of the many investors out there, but it will not work in the favour of the Fed and the U.S. Central Bank.

William Dudley, the Fed President in the state of New York is scheduled to comment on the state of the U.S. Treasury market. Many investors are looking forward to this speech so as to get a good prediction angle on the expected returns of their ventures. The Governor of the Fed, Jerome Powell, is also scheduled to speak at the same meeting as Dudley, also commenting on the issue of the Treasury market. Apart from these two, the Fed President of Chicago will also give a speech.

The market is silent. It seems to be crashed between the interest rates situation and the upcoming elections; two factors that have caused an unbelievably huge shift in stocks. There is no new economic data as investors focus their time and energy on the PMI data of the Markit flash U.S.

Moving away from the U.S. market, we find that oil prices have also dropped. The brand WTI sold at $50.23 for one barrel, while the brand Brent went for $51.35 for one barrel. For a market that is usually at the top of the price list, this might be the lowest record for oil yet.

Thanks to the rise registered in the dollar, stocks from Europe traded for higher than usual. The Asia-Pacific market also recorded high trades. U.S. stocks traded on a flat line with no apparent increases or decreases.

Worldwide, stocks are showing weak outlooks. There are several inspired markets, but most of them are predicted to fall within the next few months. CMC markets for instance, showed promising outcomes due to corporate gains given their widespread influence in the market. Investors are fearful of the future of their investments, but brokers use the few good markets to convince them that stocks will recover from the fall in interest rates. The basic problem is the presence of a weak corporate guidance. Different currencies, like the euro and the yen, rated low against the dollar which had risen after a global hike in stocks for the first time in four weeks, but with a predicted rise in U.S. interest rates come December, not to mention the ever-rising tension in the elections, the dollar is sure to lose out as quickly as it rose.

 

5 End of Year Tips for Broke Millennials

The end of the year can be a hectic time with Thanksgiving and Christmas approaching as millions of Americans spend on travel and gifts. As most Millennials juggle student loan payments, this time of year can appear especially daunting in terms of financial health. Despite all the hustle and bustle at the end of the year, a solid financial plan is the best way to ensure you aren’t suffering from a financial hungover after the holiday season ends.

1.     Make a Budget

While most people understand the importance of a budget, many people neglect their budget during the holiday season. The end of the year can be quite the trial for your budgeting skills and commitment. There are plenty of free budgeting resources out there; for instance, one free budgeting app to consider is Mint. This app will allow you to create a budget, set spending goals, and track expenses. For those who need help maintaining a budget during the holidays, this is a great way to keep your cash in check. Of course, you can also do it the old-fashioned way with pen and paper, however, the computer programs make it more difficult to overlook certain budget expenses like saving for vacation or auto repairs.

2.     Refinance Student Loans

Many graduates leave college with an average debt of over $30,000, it takes more than several years to pay that kind of balance off. For new graduates on a tight budget, a few years may seem more like a few decades. Factoring all this into the holiday season makes the situation even worse. To help make the monthly payments more affordable, one option to consider is refinancing your federal and private student loans. There are multiple benefits to refinancing and consolidation. The largest benefit of refinancing is a smaller monthly payment which helps make budgeting more manageable. Another benefit of refinancing is a potentially lower interest rate for the student loan balance. Many borrowers save over 40% on total interest over the life of a loan, so student loan refinancing is definitely one of the premier ways to tackle student loans. After refinancing, the holiday season becomes much more financially manageable, and you can set a new year resolution for paying off your loans the next year.

3.       Increase 401k and Automated Investing

If you work for an employer with a 401k retirement plan, increasing your contribution amount by 1% is a good way to start off the new year. While retirement for a recent 21-year old graduate is 40+ years away, the best time to save for retirement is during your 20s. A twenty-year-old investing 10% of his or her income for the first ten years of their working career has more earning potential than a 40-year old investing 50% of his or her income for 10 years. For every extra year a dollar is invested, the more value it has down the road, so it is best to get the ball rolling early. Compound interest is the key term to remember here which is the reason why investing in retirement early is ideal.

If you do not have a company retirement plan, applying for an IRA is the next best move. Roth retirement accounts are funded with post-tax earnings meaning no tax is paid on the appreciated earnings in retirement. You do not need a lot of money to open an account, and you can start saving for retirement by automatically investing $100 per month. Since you do not want your contributions to be diminished with high fees, investing in an index fund is a low-cost way to track the market.

If investing sounds a little advanced for right now, another option is to start with the mobile apps Digit or Acorns. Both apps deduct a few dollars from your linked checking account each month and put it into a savings account. You may not get rich from either app, but they help encourage and foster the habit of routine saving. At any rate, they may serve as a beneficial new year resolution “stepping stone” towards retirement investing.

4.       Review your insurance plans

After rent and student loan payments, insurance is probably the next largest expense for most Millennials. Open enrollment for many individual health plans and companies is during late October and November which is conveniently right before the holiday season. Health insurance is the most expensive insurance product for many and open enrollment is a time to change your deductible or enroll in a health savings account. If you let the open enrollment period slip by, you will have to wait until next year to make any changes. Getting these squared away before the holidays is important because you may be able to save money with a new plan.

5.     Find a side job

If you have the free time, you can use your skills to increase your income. You can do so by freelancing in many different ways. For instance, you can find work on the side with local clients, start your own website, write for a company, and much more. There are plenty of job websites, one of which is Upwork, that provide hundreds if not thousands of opportunities for extra work. All of these opportunities can be found online which makes them readily available 24/7. If the online labor market is not your thing, then there are plenty of opportunities to find in person. Since it is shopping season, many seasonal jobs open up during the Christmas rush at retail stores. You should look for these jobs early in October because most employers hire for the season early. If you are really in trouble, then there are always part-time listings on Craigslist for random tasks like house cleaning or relocation help.

Guide to Being Financially Happy When You Reach Age 30!

Today’s post is a guest feature from Hannah Harvey! Please enjoy! 

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Still relying on the bank of mom and dad to get you by each month? Many young people are, but we encourage you to cut the reigns and be financially independent before you hit the big 3-0.

Relying on parents for money has been all too easy – they don’t want to see you go without, and so it can often be easy to win them round, getting them to give you a little extra cash each month. Perhaps you’re lucky enough for your parents to even pay your rent or cover some of your bills, but how long can this go on for? Your 20s is the decade to get yourself on your feet, but by the time you reach 30, you really don’t want to be knocking on mom and dad’s door anymore. So, this quick guide gives you some tips to being financially literate, financially settled, and ultimately financially happy by the time you’re 30.

Look at your salary

You don’t want to jump from job to job because this can look bad on your CV, but if you believe you don’t get paid enough for what you do, you might want to address this with your manager. Perhaps you could take on more responsibility at work. You could also commit to more overtime if you’re able to. If it really looks dead-end, why not look elsewhere, rather than get stuck in a pit?

Stop bad spending habits

Getting the latest gadget is, incredibly, a commonly cited reason for the younger generation taking out an online loan. It’s important to appreciate the differing perspectives on debt, specifically what makes it ‘good’ or ‘bad’. In short, I encourage you to stop creating debts on these ‘bad’ items, and invest in yourself instead. If you need to draw on a loan, do so wisely, we’re talking mortgages and student loans here for instance.

Partner up

If you want to make a big move and get on the property ladder, but can’t afford so on your own, maybe you want to partner up with some reliable friends and invest in a property together (look at this guide on how to make that work out!) Get some solid financial advice before making your move, and draw clear terms and conditions out with your pals.

Save, save, save

Remember how important it is to save money. Even a little each month can mount up over time. You never know when you’ll need to draw on that money, and much better a savings fall-back than a loan with high interest rates. Consider your employer pension too. It can be easy to dismiss this when offered it, because retirement feels like ages away – but by paying in now, you invest in your future. It will cost you a little each month out of your pay packet, and your employer pays in too.

What else do you think should be in this guide? Anything else that might help with financial happiness before one hits the BIG 3-0??

About Hannah: Hannah Harvey is an Irish born technical financial blogger! Follow her on Twitter!

Banking, you ask? I keep it Simple

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NOTE: This post contains affiliate links. Please see my disclosure page for more information. 

I prefer to keep everything in my financial life as simple and transparent as possible and Simple has definitely made that more possible for me this year! At the start of this year, I wanted to transition into all online banking as I really have no need for a brick & mortar bank location. I researched many different possibilities, plus I considered online banks where I hold savings and retirement accounts. I was even denied for an online checking account at one popular online bank (huh?), but the best free account for me was definitely the one offered by Simple.

I’m always looking for convenience and NO FEES when it comes to managing my money. My Simple account offers both. As someone who often runs the balance on my bank account down to a minimal amount, I always have to know my balance. With a typical bank account, written checks don’t always appear out of your online balance in a timely manner and if you forget you wrote one, say hello to overdraft fees! That doesn’t happen with my Simple account. First, Simple doesn’t offer paper checks with their accounts, so you don’t have to worry about forgetting to record a check and keeping a balance in check! Second, the Simple mobile app (available for iPhone and Android) shows an up-to-date balance that reflects your scheduled payments and any savings goals so that you have set up so that you don’t overspend.

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Speaking of fees, Simple is serious about no fees. There are no monthly fees, maintenance fees, and no minimal balance is required. It’s so much easier to keep more of my money this way. Once you sign up with Simple, you will receive a Visa Debit card so you can spend your money almost anywhere. If you need to withdraw from an ATM, there are 50,000 network ATMs nationwide that you can use without being charged a fee!! WHAT!? Without any physical branches, this makes it super easy for you to grab cash when you need it! However, if you have to use an ATM outside of the network, you might be charged a fee. I’ve never had an instance where I’ve been too far from a network ATM, even in my not-so-populated Midwest city.

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Simple accepts direct deposit and mobile check deposits up to a certain amount. However, if you should need to deposit a larger check, you can mail it in to be processed. The mobile check deposit system is very easy to use and you have your money within 2 days at most.

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My favorite part of the Simple platform is the way it lets you plan for expenses and goals. I plan for my rent each month and all I have to do is set the date and the amount I need and Simple automatically puts a little aside each day to meet that set goal. It would be so easy to set up special savings goals (events, travel, weddings, etc.) and set a bit aside each day without any extra thought. After planning for expenses, my next favorite part is being able to track my income and spending over periods of time. For each charge or deposit on your account, you can add notes, photos, and categories to help you remember and track purchases. Another thing I really enjoy about Simple is when I go to a restaurant or use an Uber, for example, the app automatically assumes I’m going to leave a 20% tip, which means my available balance includes that amount so that I’m not setting myself up to overspend! Obviously, I have many praises to sing about Simple.

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I only have one downside that I’ve ever experienced with Simple. ONE. It has to do with depositing cash. Since they have no branches, there’s no place to deposit cash. As someone who often gets cash as income, this can be tricky, but it has never been impossible to deal with.

If you’re in the market for a new and SIMPLE (see what I did there?) account to manage your money, I certainly hope you’ll consider Simple. It’s been an amazing tool for me when tracking my money, paying bills, and saving for goals.

Have you heard of Simple? Do you use it? How was/is your experience?

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All photos courtesy of Simple.