Best free personal finance and budget program

If you’ve never budgeted before, it can feel like a herculean task. This is a place where the right software can make a world of difference.

Instead of making spreadsheets or relying on pen and paper, you can use a tool designed with someone like you in mind: Someone who wants to keep track of their finances without all the pain of using software and endless Excel documents.

So how do you begin your journey to financial well-being? For your personal life, we recommend using it for free Mint app and website. When it comes to your business, we recommend NetSuite, a sponsor of Kim’s national radio program. Keep reading for the reasons we love both and you will too.

What is mint?

Intuit’s Mint is a web-based personal budgeting application available for desktop use or as an app for both Android and iOS. In addition to allowing you to view all your accounts, including bank, credit card, loan and investment in one place, Mint has several other features:

  • Budget cabinets with alerts
  • Tracker for payment of bills
  • Financial goal tracker
  • Ways to save money
  • Free credit score

During setup, enter details for each account you want to be included in your Mint records. Worried about the security of your information? Mint uses two-factor authentication in addition to password protection that keeps your financial data protected.

Budgeting with Mint

When it comes to making a budget and tracking expenses, Mint surpasses its competitors. Once you have downloaded and synchronized your transactions and entered your expenses, Mint places them in preset categories.

If necessary, you can create subcategories. Using the Mints budget tracker will help you keep track of your income and your spending to keep you from going over your set budget.

Budget alerts – With Mint’s budget alerts, you can avoid unnecessary fees. In addition to informing you when your balances are low or large or suspicious transactions occur, Mint will show you how much you spend on ATM fees, send you bill reminders, and notify you if you exceed your budget.

Tracker for payment of bills– Managing and paying your monthly bills through a variety of websites and apps can be time consuming. You can eliminate this hassle by planning to pay all your expenses through Mint. The payment meter will alert you when your bills arrive due to avoiding late fees or fines.

Want to see a graphical breakdown of categories, including expenses, assets or net worth? Mint can produce graphs with optional filters to help you visualize your finances.

Fulfillment of goals with Mint

If you want to pay off debt, buy a home, save up for retirement, education or dream vacation, Mint will make it easier to reach 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 search the internet for the right banking, investment, insurance or loan options when Mint matches you with providers of these services. In addition, you can check your credit score and read tips on how to improve it via the website or the Mint app.

Between the convenience of managing all your finances in one program and the wide range of features Mint offers, taking control of your finances has never been easier. I am convinced that when you first use Mint, you will understand why it is considered to be the best of its 15+ million users.

The Mint app is free for both Android and iOS. Tap or click here for iOS. Tap or click here for Android.

The best option for your business

If you run a business, you need the right software. Are you tired of QuickBooks?

This is where NetSuite comes into the picture. It is the world’s No. 1 cloud business system for good reason. If you are stuck with spreadsheets stored locally on your computer, you will love the fact that you can access all your data in one place whenever you want.

It’s so much more than just accounting software. NetSuite gives you visibility and control over your finances, HR, inventory, e-commerce and more – all in one place, instantly. Whether you have a million or hundreds of millions in revenue, you can save time and money with NetSuite.

Stop paying for multiple systems that do not provide you with the information you need when you need them. Forget the spreadsheets and all the old software you grew up with. Now it’s time to upgrade to NetSuite.

See it in action for yourself -> Go to Netsuite.com/kim and get a free product tour.

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