Best free personal finance and budget program
If you’ve never budgeted before, this can seem like a Herculean task. It’s a place where the right software can make all the difference.
Instead of creating spreadsheets or relying on pen and paper, you can use a tool developed with someone like you in mind: someone who wants to be on top of their finances without all the pain of hard-to-use software and endless Excel documents.
So how do you start the journey to financial well-being? For your personal life, we recommend you to use the free software mint app and website. When it comes to your business, we recommend NetSuite, a sponsor of Kim’s National Radio Show. Read on for the reasons we love them both, and you’ll love it, too.
What is mint?
Intuit’s Mint is a web-based personal budgeting program available for desktop use or as an app for Android and iOS. In addition to letting you view all of your accounts including banks, credit cards, loans, and investments in one place, Mint has several other features:
- Budget maker with alerts
- Track bill payments
- Track financial goals
- Ways to save money
- Free credit score
During setup, you will need to enter the details of each account you want to include in your Mint records. Concerned about the security of your information? Mint uses two-factor authentication in addition to password protection, keeping your financial data protected.
Budgeting with Mint
When it comes to creating a budget and keeping track of expenses, Mint outperforms its competition. Once you’ve downloaded and synced your transactions and entered your expenses, Mint will place them into predefined categories.
If necessary, you can create subcategories. Using Mint’s Budget Tracker will help you keep tabs on your income and expenses to avoid going over budget.
Budget alerts – With Mint’s Budget Alerts, you can avoid unnecessary charges. In addition to letting you know when your balances are low or large or suspicious transactions occur, Mint will let you know how much you are spending on ATM fees, send you bill reminders, and let you know if you go over budget.
Track bill payments– Managing and paying your monthly bills through a variety of sites and apps can be time consuming. You can eliminate this hassle by scheduling payment for all your expenses through Mint. Payment Tracker will alert you when your invoices are due to avoid late fees or penalties.
Want to see a graphical breakdown of categories including expenses, assets or net worth among others? Mint can produce charts with optional filters to help you visualize your finances.
Achieve goals with mint
Whether you’re looking to pay off debt, buy a home, save for your dream retirement, education, or vacation, Mint will make it easier to achieve your financial goals. After choosing your desired goal, Mint will ask you a few questions specific to that goal and show you how much you need to contribute monthly to reach your goal.
Ways to save money with Mint
Are you looking for ways to save money? No need to scour the Internet for the right banking, investing, insurance, or loan options when Mint connects you with providers of these services. Additionally, you can check your credit score and read tips on how to improve it through the Mint website or app.
From the convenience of managing all of your finances in one program to the wide selection of features Mint offers, taking control of your finances has never been easier. I have no doubts that once you use Mint you will understand why it is rated as the best by its over 15 million users.
The best option for your business
If you are running a business, you need the right software. Tired of QuickBooks?
It’s there that NetSuite It’s the # 1 cloud enterprise system in the world for good reason. If you get bogged down in spreadsheets stored locally on your computer, you’ll love that you can access all of your data in one place, whenever you want.
It is much more than just accounting software. NetSuite gives you visibility and control over your finances, human resources, inventory, e-commerce and more, all in one place, instantly. Whether you make a million or hundreds of millions in income, you can save time and money with NetSuite.
Stop paying for multiple systems that don’t give you the information you need when you need it. Ditch spreadsheets and all the old software that you outdated. Now is the time to switch to NetSuite.
See it in action for yourself -> See you on Netsuite.com/kim and get a free guided tour of the product.