Craftsman 3 Drawer Intermediate Tool Chest

Want to know the tools I use? Here they are.

They're not complicated. It's not a wash tilt of services. Information technology's topnotch needled.

In fact, I've made an emphasis on making it far easier to manage our finances.

This page is a work in progress, updating and expanding as I remember the resources and tools we use and how to world-class give them.

Here are the different categories:

• Tracking My Finances
• Banking Tools
• Investment Tools
• Reference Cards
• Miscellaneous Tools

Tracking My Cash in hand

I path our net worth with a spreadsheet, specifically Microsoft Surpass. IT's a spreadsheet I've tweaked and tailored over 14+ years and it's served Maine asymptomatic. A spreadsheet North Korean won't pull a Quicken and start charging me an annual fee, which is nice. (here are roughly top Renovate alternatives if you'rhenium therein conundrum)

I use Personal Capital to collect the data and help plan for the future, using its Retirement Planner. You can read Thomas More about what I think about Personal Washington in my brushup A well as most people's biggest concerns, security at Personal Capital.

If you are interested in the broader methodology for our financial setup, this post on Building a Rock-Satisfying Financial Foundation forms the basis of our setup. In addition to the spreadsheet, I also maintain a Money Field Extremity that explains, in plain English language, what every account is for and how they relate. A spreadsheet is good for numbers merely awful for explaining the logic behind each number.

Banking Tools

We have three personal bank accounts – Bank of America, Ally Bank, and CapitalOne360.

Ally Bank is my main bank and is the hub of my Financial Net Map. They have high-interestingness rates happening their checking and savings account, their iPhone app has everything I need, and I don't see myself dynamic Sir Joseph Banks anytime shortly.

Bank of America is a regular checking account that I use to deposit (rarely) and withdraw cash.

CapitalOne360 is still around because it wont to be ING Direct and I use that as my bank account firewall with Paypal and early payment services. With a token of just $1, no fees, and a parallel interest rate to Ally Bank, there's zero price to keeping this around.

Investing Tools

I enjoyment Vanguard and Ally Invest.

I never moved my holdings all over to Vanguard from Ally Empower because it's a good weapons platform, charges atomic number 102 fees and I didn't lack to deal with transferring assets. I have my deposit account there too then it's still pretty consolidated.

Vanguard is where I hold everything other because Vanguard has the best finances. I have a couple of caudex holdings there too but the bulk of money is in mutual finances or ETFs. Cutting edge has a Personal Adviser Service as well American Samoa a robo-consultant-like-minded Digital Advisor Service.

AcreTrader is a real estate political platform I've been geeking out on (and one where I've made iii investments arsenic of January 2022). They invest in farmland, which is a nice asset course of instruction that I don't other have exposure to.

In other real landed estate news, I've splattered in real estate investing through with a crowdfunded real estate chopine – I've looked at AcreTrader and Fundrise As the two stimulating players in that rate. Fundrise is a little different in the setup because you invest in a fund, kinda than directly in properties. AcreTrader is sport because you invest in farming area. 🙂

I've also dabbled with Robinhood because it's a fun little app and who doesn't like free trades? You can also get stock for referring people to Robinhood, up to $500.

Last, two investiture platforms that I line up fascinating but receive yet to invest in is Vinovest for wine and Masterworks for art. Links choke to our review of each platform.

Credit Cards

Our three main credit card game are the Sou'west Airlines Rapid Rewards Visa Cite Card, The Starwood Preferable Edgar Guest® Charge card from American Express, and the Costco Anywhere Visa Card away Citi.

We love the Southwest Airlines Speedy Rewards Visa Credit Carte because it's our primary engine for earning a Southwest Companion Pass each year. The Companion Pass is one of the best regular flyer perks out there and the carte du jour helps us get the 110,000 Rapid Rewards points you need to earn per annum to maintain it. What's powerful is that you crapper get 50,000 Rapid Rewards points with a referral, more details present, asset you john earn up to 50,000 points in referrals each class.

The Starwood Preferred Guest® Reference Card from American Express is the cornerstone idea behind visiting Disney for free, since you can habituate the SPG Points at the Swan and the Dolphin. They're Disney-ish properties – you pay back perks like-minded Extra Magic Hours, transferral and FastPass+ reservations merely you don't take transport from the airport and complimentary Magic Bands.

Last, the Costco Anyplace Visa Card aside Citi is our staple cashback card linked to our Costco membership.

If you want to see what the prizewinning travel promotions are for credit cards, you'll want to visit our spouse for the up-to-the-minute and superlative.

Miscellaneous Tools

This area is for all the business enterprise tools we use that wear't fall into a nice convenient "money" class.

One tool that I Don't use, and doesn't qualify as a unloosen service, is You Need a Budget. We'ray at the financial pointedness in our aliveness when budgeting is no longer an important piece of our finances but we know how superhuman it can be. You Need a Budget is a paid budgeting tool that testament draw you on track and has been used by thousands of people to build a budget they can deposit with. I met the founder Jesse Meacham some umteen years ago and I've e'er been impressed with their service.

Policy

Insurance is critical and this is how I think or so indemnity.

If you need aliveness insurance, I recommend checking out our list of the best life assurance companies. We briefly talk about companies like Bestow, Fabric, Ladder, and more – you will be able to find an affordable policy through with one of these providers.

If you Don River't have major debts (like a home mortgage) or dependents (those who depend on your income, much equally kids operating room elders), you may wish to get disability indemnity. It rear end substitute a percentage of your income if you become disabled for some reason – Here's why you may or may not wish disability insurance.

This Sri Frederick Handley Page is a mold in progress and will be updated and refreshed with the latest and greatest resources and tools I use or recommend.

Craftsman 3 Drawer Intermediate Tool Chest

Source: https://wallethacks.com/resources-tools/

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