Tools & Resources to Master Your Mindset So You Can Master Your Money
Here are some products, services, and companies that I’ve used to help me on bettering my money mindset and ultimately, live a richer life. I would never recommend something I didn’t believe in.
Disclosure: Some of the links I provide are affiliate links. Again, I only recommend them because I’ve personally used them to help me better my money. If you decide to make a purchase from my links, I may receive a small commission, which won’t cost you anything.
- money mindset
- save money
- debt/manage money
- earn more money
Here are the products and services I use to better my money mindset
Brain.fm – I use this app to help me focus and when I need to recharge. Basically, you choose what you want to do (focus on a task, relax or sleep) and the app will analyze your brainwaves and pick sounds and music that will help you with whatever task you’re doing. I use this to focus on work and it really clears my brain. I’ve tried it when analyzing purchases too and believe it or not, I feel better after sorting out my bills . If you sign up, you can get 7 free listens before you commit. Tip: Do an online search for coupon codes. I managed to snag a lifetime deal for $25.
Tapping Into Wealth – When I first started working on my mindset, I came across EFT, or emotional freedom techniques. It’s a bit of a cross between meditation and acupuncture. This book shows you how to release your emotional blocks around your debt, earning money and other issues you have. It’s a bit of an intense book to get through, but you can easily do the exercises in 15 minutes a day. It’s really helped me clear my mind and release blocks I didn’t think I had.
Five Minute Journal – I’m a big advocate of cultivating a gratitude practice. It’s seriously one of the simplest tools to help you stress out less about your money. No lie, I was freaking out a few months ago about my income and noticed I stopped my gratitude practice. I now use this simple journal so it’s something I do first thing in the morning and during my nighttime routine. You can certainly create your own, but I find that the less I have to think about it, the better.
CHA-CHING! A Money Coloring Book – Ok, I created this myself, but I actually use it. There are some cool money mantras I use on a weekly basis to remind myself money is indeed fun. I also made up some fun characters like a cool piggy bank, Mr. Moneybags and a dollar bills superhero. You can check out the entire book via a video walkthrough.
Your Money or Your Life – I’ve read this book over and over again it’s just that good. It really changed by perspective on what it means to spend and save money. It gives you a simple 9 step program to help you gain financial independence (basically enough money to take care of your expenses without the need to work). The biggest I learned is that money should be seen as time and energy, so don’t spend money on things that don’t give you a return on that.
Living Leaf Tea – I always advocate to people that they they should have a positive way to relax and recharge if they start to freak out about money. Ever since my friend Russell sent me these organic and minimally processed teas from the mountains in China, I was hooked. I drink a cup daily and helps me unwind from crazy days. You can sign up for his tea club where members get a chance to win teas every month, get a 10% discount off their first order and other fun stuff. Best of all, it’s free.
Here are the tools I use to help me save money
Ibotta – I’m not a big fan of couponing, but this app makes it super easy. All I do is take five minutes to look up grocery stores I’m headed to, browse any relevant coupons, tap to unlock them, and I get the rebates within 48 hours after I make those purchases. They have generic rebates, like buying tomatoes or any brand of milk, so don’t think these are only for brand name products. Depending on the store, you either scan the receipt (takes 30 seconds) or link it to your store rewards card. They do have other stores like Groupon and Jet.com (which I’ve used to get cash back). Sign up with this link and you get $10 if you redeem your first rebate within 2 weeks.
Ebates.com – I’m pretty much obsessed with this site. I do quite a bit of online shopping for gifts, so any chance I can save money is fine in my books. You log into this website, do your online shopping as you normally do, and earn CASH BACK for your purchases. Ebates gets money for referring you, so they give you some of their commission. If you sign up via my link you get $10 free!
Here are the tools I recommend to help you pay down debt and manage your money (aka budget).
Personal Capital – This is an awesome free tool that helps gather all your accounts together so you can see your net-worth all in once place. You can also track how much you spend every month. It also has neat tools like a retirement calculator (where it pulls your spending data and savings to see if you’re on track) and assess how much fees you’re paying for your retirement accounts, and even a free 30 minute consultation to help you with your investments. I used this and discovered I had more money than I thought!
Credit Sesame – Knowing what your credit score is important, particularly if you’re interested in renting/buying a house, getting a credit card or other things where you’ll need credit (they checked mine when I was applying for water access in my town!). This is a free service and it gets updated pretty often. You also get recommendations for services based on your credit score, which has saved me time search the internet.
The Authentic Budget – I wrote this book because so many people were curious how I was able to spend so much money on travel while earning a middle-class income. I outline why traditional budgeting sucks, why values matter,and how to use it to create a money management system that actually works.
Pay Down My Debt – This service helps you negotiate your loan payments (so far only student loans and mortgages) so you pay then twice a month. This will help you pay it down faster and pay less interest in the long run. You pay $10 bucks for this service, but it can be worth it since they help you automatically pay down your debt (hence the name).
EvoShare – This is a neat online savings portal. Before doing any online shopping, head over and log into their website. Click on the retailer you want to purchase from (it doesn’t cost you any money to do this) and do your normal shopping. The cool thing is you earn money to go towards your student debt or investment account of your choice. Check it out and see what they have to offer.
Qoins – I’ve been debt-free for over seven years now, but I totally wished I had this when I was paying off my credit cards! The app links up your bank accounts and whenever you spend money, it “rounds up” your purchases and uses that money to pay off your debt! Hey, every little bit counts right? Right now they only focus on credit card and student loans.
Here are the tools I recommend to help you earn more money, whether it be a side hustle or online business.
Earn More Writing – I seriously wish I had this course when I started my content marketing business! No lie, Holly Johnson has earned over $200,000 just from freelance writing alone. This course is super approachable and even beginners or seasoned writers can learn something. She talks about picking a niche, setting up a portfolio, to finding high paying clients. Check out the different tiers, which includes a self-paced version or more guidance from Holly herself.
10K VA – Kayla Sloan is a virtual assistant (VA) has been earning a minimum of $10,000 a month through her VA business. No, that is not a typo. This course outlines the exact process she used to grow her business. She’ll show you how to get your first client, what to charge, create systems to maximize your time and more. There are different tiers (the most expensive one giving you personalized advice from Kayla) starting for less than $200.