I’ll post links or information for things I like here. I’ll only post things that I actually use on a regular basis or believe in. For some things, I might get a referral if you use my link. For some things, you can get a bonus for using my link.
Checking/Savings Account – Capital One 360 (referral link)- For my joint account with my wife, I use Capital One 360 (formerly ING Direct). I like how easy it is to set up new savings accounts for different categories and how you can automatically siphon money to different accounts. Also, it was easy to link our personal accounts (Bank of America and PNC Bank) so we could transfer money between these accounts and Capital One 360. The interest rates offered on the savings accounts are pretty competitive, and there are other cool features like depositing checks using your smartphone camera, setting up savings goals, and mailing checks for free. It also has a great smartphone app. It is mainly an online banking account.
Budgeting App/Website (free!) – Every Dollar – This is a product put out by Dave Ramsey’s company, Ramsey Solutions. We started budgeting and tracking expenses in February/March 2016. I signed up and set up all the categories on the Every Dollar website. Once I set it up, we began tracking all our expenses through the iPhone app. It’s free, but there is a paid version with more features. We use the free version, as it has everything we need.
Where to check current Mortgage Rates – Bankrate.com – As a realtor, I go to Bankrate pretty often to see what mortgage rates are doing. They also post rates for refinancing, which are usually very similar to mortgage rates. They aren’t exact, but I would say it is very close to what a lender will quote you. Just be careful. It’s not all about the rate. Check the fees as well when you decide to work with a lender. They also have some other interesting articles on there that I check out once in a while.
Automated Savings App – Digit – Digit is a free app that siphons small amounts of money from your checking account to an FDIC-insured Digit account based on an algorithm that analyzes your checking account balance, upcoming income, upcoming bills, and recent spending. They currently have an iPhone app and are working on an Android app (as of 3/17/16).
GETTING RID OF STUFF / DECLUTTERING
Where I sell books – Half.com – For me, this is the easiest way to sell books. Once you have an account, all you have to do is enter the ISBN of the book and some other info, and your book enters a marketplace visible to millions of people. If you have a bunch of books that you’ve read or aren’t reading, I would encourage you to give it a try.
Where to sell CDs/DVDs/Games/Blu-Rays (free app) – Decluttr.com – I’ve only used this once because I don’t really buy many DVDs or Blu-Rays. However, I know some people have hundreds or even thousands of these. If you don’t need them anymore, they have a great app that uses your camera to scan the barcode on the back of the item, and they tell you exactly how much they’ll give you for it. It probably won’t be much, but if you want to get rid of a lot (they require at least 10), it’s a great way to get a little bit of money for it.
Where I sell almost anything else – craigslist.org – Most people that know me know I sell a ton of stuff on craigslist. People will buy anything (almost)! I’ve sold some pretty random things because they have a category for everything. It’s also a great place to buy things at a discount if you don’t need the item to be new.
Another place to sell – Amazon – Ok, I know almost everyone buys stuff on Amazon. But did you know you can sell stuff there too? It’s even easier if the product is already on Amazon. Just look up the item and click “Sell on Amazon” and follow the instructions. They do take a commission, but it gives you access to a huge marketplace.
Ridesharing – Uber/Lyft – As I mentioned in a previous post, I started driving for Uber and Lyft. It’s a great way to meet people and earn extra money on your own schedule. I’m applying any income from driving straight to extra principal on the mortgage. Here are my referral links for Uber and Lyft.