109 Free Things for Managing Your Money, Retiring Early, and Getting out of Debt

How free are these resources? .

Saving Money + Budgeting 💰

Blogs

• : Building wealth through frugality and investments
• : General personal finance advice
• : General personal finance advice
• : General personal finance advice

Subreddits

• : Community of personal finance gurus
• : Community focused on living frugally and saving money

Courses

• : Interactive course covering a range of personal finance topics
• : Video only course covering a range of personal finance topics
• : University of New South Wales general education program in Sydney

Wikis

• : Covers common /r/PersonalFinance topics

Tools

• : Free money manager, personal finance, and budgeting software
• : Granular budgeting software

Calculators

• : Estimate the financial impact of raising a child
• : A huge collection of free calculators covering cash-flow, credit, mortgages, college planning, cars, retirement, and more
• : Another huge collection of free calculators covering cash-flow, credit, mortgages, college planning, cars, retirement, and more

High-Interest Savings Accounts

• 1.30% APY
• 1.20% APY
• 1.20% APY
• 1.20% APY
• 1.20% APY

Peer to Peer Payments

• : Peer to peer payments with a social feed
• : Money deposits instantly to your bank account
• : Legacy option for transferring money, user interface is improving
• : Send and receive money through Messenger

Books

• Your Money or Your Life: Change your relationship with money
• The Millionaire Next Door: Learn the difference between having high income and building wealth
• I Will Teach You to be Rich: Automate your finances and learn to make more money
• Total Money Makeover: Get out of debt
• : Evergreen financial advice

Credit 💳

Blogs

• : Credit tools and financial advice
• : General information and advice about credit
• : Consumer finance and credit advice

Credit Score

• : Check your credit reports annually
• : Nerdwallet guide to building better credit
• : Guide to increasing your credit score
• : What is a FICO score?
• : Debt and credit repair advice

Calculators

• : Debt reduction calculator
• : How long will it take to pay your debt

Cashback + Frequent Flyer Miles

• : Earn frequent flier miles and other rewards
• : Covers common /r/churning subreddit topics
• : Travelers, frequent fliers, and credit card churners
• : Consolidated source for frequent flier and churning news

Investing 📈

Blogs

• : Provides a variety of investment viewpoints
• : Independent research, investment information, and news
• : News and articles related to stocks and investing
• : personal finance for professionals

Subreddits

• : Sharing advice about investing

Forums

• : Live frugally, save money, diversify, and stick to your plan
• : Focused on value investing

Courses

• : Bogleheads investment philosophy
• : Learn all about stocks from jlcollinsnh

Wikis

• : Covers common /r/Investing subreddit topics
• : Covers common Bogleheads topics
• : Definitions for most finance and investing terms

Tools

• : Investment management and analytics dashboard
• : Up-to-the-minute stock market pricing and data
• : Asset allocation back-testing program
• : Stock portal with financial analysis, research, and visualization

Historical Data

• : Stock, bond, and cash historical returns
• : Stock price, interest rate, earnings data from 1871
• : Historical returns on stocks dating to the 1920s
• : Federal Reserve data on everything economics-related

Investment Accounts

• (free up to 15k): Automatic investments
• (free trial up to 1 year): Automatic investments
• : Trade stocks for free

Books

• The Bogleheads’ Guide to Investing: Covers the investing philosophy discussed on the Bogleheads website and forum
• A Random Walk Down Wall Street: How to beat the market
• The Four Pillars of Investing: Investment advice
• : Reading list

Taxes 💀

Calculators

• : IRS tax withholding calculator

Filing

• Free online filing software if income was $64,000 or less
• : Do it yourself tax forms provided by the IRS

FAQ

• : /r/PersonalFinance wiki on taxes
• : Defines capital gains tax vocabulary words

Advice

• : Tax help resources
• : Tax help from real humans
• : Advice from /r/PersonalFinance on avoiding tax scams

Forums

• : Tax advice for investors

Early Retirement 🏖️

Blogs

• : Financial freedom through badassity
• : Financial independence/early retirement advanced
• : Early retirement advice from a retired guy

Subreddits

• : Financial independence/early retirement
• : Achieve financial independence by spending less money

Forums

• : The Mr. Money Mustache forums
• : The Early Retirement Extreme forums
• : Living below your means and saving money
• : Early retirement and financial independence

Wikis

• : Covers common topics from the /r/FinancialIndependence subreddit
• : Built and maintained by the readers of the Early Retirement Extreme blog

Calculators

• : Calculate how much money you need to save in order to retire
• : How much money you’ll need in your portfolio to retire early
• : Retirement portfolio calculator

Books

• Early Retirement Extreme: by Jacob Lund Fisker
• : List of books recommended by /r/investing

Buying a House 🏡

Blogs

• : Real estate investing, personal finance, and marketing
• : Targeted at people in their twenties

Tools

• : Free iphone/mac apps for real estate calculations
• : Estimate market value of a home
• : Property valuation tool
• : Investor resource center

Real Estate Search

• : Real estate search and discount-commission brokers. Redfin’s website tends to be the most up to date since they are also a brokerage.
• : Real estate search
• : Real estate search and neighborhood info
• : Real estate search including self-listed properties
• : Search the real estate section for houses for sale
• : Buy and sell self-listed homes

Calculators

• : Decide whether to buy a home or to rent
• : Mortgage calculator

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