Now, though, there are dozens of ways where you can track your finances without stressing out and sweating over the details.
We’ve tried a bunch of them, so I wanted to highlight a few of my favorites in case you’re looking at making your finances simpler to manage.
I’m starting this off with the classic, low tech option – spreadsheets.
I love them. We’ve been using a Google Docs spreadsheet that we share with each other for our family budget.
There are plenty of fantastic and free templates that you can use with your finances.
Right now my favorite is J’s family budget one – it can juggle two paychecks, bills, savings, and credit cards.
When I was started to get interested with personal finances, many bloggers at the time were using Quicken.
If you’re not familiar with with it, Quicken is personal management software that not only allows you to import your banking and investment transactions, but it can help you create a plan to pay down debt and give you a highly detailed financial snapshot.
I liked having the option of simply importing my bank information into it, but I discovered that the bank I was using at the time charged a monthly fee. (That was motivation for me to start looking for another bank – I hated the idea that I was getting a fee because I wanted to have an easy way to view MY money.)
One of my current favorites is Mint. I’m going to be honest – I think being free and easy are the biggest reasons we use it to keep tabs on our finances.
It took about 10, maybe 15 minutes to get all of our accounts imported and organized. Now I can log on and get a financial snapshot without any hassle.
With a few clicks we can check our month to month spending habits, getting an idea of where we may want to cut back on.
Two features that I love are goals and budget (no, not the boring kind!).
With goals, I can create a game plan on paying down a debt, building up savings, or investing more in less than 5 minutes.
Mint updates me on a monthly basis on how I’m doing. I can also use their budget feature to help me keep some of my non-essential spending in check (like coffee runs and eating out).
I just set the target and I’ll get a text if I’m getting too close to my goal.
While I know some Couple Money readers are shopping for some deals, I want to highlight some big bonuses this weekend from CapitalOne 360 when you open up a new account with them from November 29th 12:01 AM ET through December 2nd at 11:59 PM ET.
$125 Bonus for 360 checking Account!
Now you can have a great checking account and a nice little buffer to start it off. We’ve had our checking account with them for years and have been happy with their service.
Open a fee-free 360 Checking account between November 29th and December 2nd and grab a $125 bonus.
This has to be your first 360 Checking account.
Make a total of 5 debit card purchases (either signature or PIN-based) or 5 CheckMate deposits (or any combination of the two) within 45 days, and your $125 bonus will be automatically deposited into your account on day 50.
Customers will earn interest on their everyday cash. APYs are effective 11/29/2013.
0.20% Balances under $50,000
0.80% Balances between $50,000 and $99,999.99
0.85% Balances of $100,000 and more
Besides the bonus, there some other great features with their checking account.
No monthly maintenance fee
$0 required minimum balance
Free online billPay service
Conveniently located ATMs
Earn some interest rate if possible
If you want to open a checking account with Capital One 360, simply click here to get started and get a $50 bonus!
$75 Bonus for 360 Savings!
If you want to give your cash reserves a bump, 360 Savings can be a convenient option.
Open a no-fee 360 Savings account between November 29th and December 2nd and snag $75.
This has to be your first 360 Savings (including Orange Savings Accounts) account and it needs a $500 minimum initial deposit or more.
The bonus starts earning interest on day 1, but you can’t take it out for at least 30 days.
The variable Annual Percentage Yield (APY) is 0.75%, effective 11/29/2013.
If you want to open a savings account with Capital One 360, simply click here to get started and get a $75 bonus!