Top Tools To Master Money


There are countless tools available to help you reach your financial objectives faster and more efficiently. But, how can you know which tools are helpful and which ones aren't?

YOU can ask us.

This page is a comprehensive list of all of our preferred resources for assisting you in staying organized, increasing your financial wellbeing, and achieving your objectives.

We'll keep you up-to-date on the latest course and product additions. This page will be updated as service options change and new courses and services are introduced.

Save this page as a favorite so you may always access the resources you require.

It's worth noting that while the majority of these links are affiliate links, which means Herfinance Club may earn a commission if you purchase anything at no additional cost to you, they do not have any bearing on our evaluations or suggestions.


 Money Mindset


Herfinance Club

Inspiring Financial Consciousness Guide

 Daily inspiration for overcoming financial anxiety and developing success, money confidence, and wealthbuilding with the abundance you can afford!

Positive Affirmations help retrain you to stop the negative thinking and self-talk that becomes a destructive pattern in all we do, they can help you achieve goals, such as financial wellness or success in life!

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 Money Management


Herfinance Club

Money Management Basics

Introducing our "Money Management Basics" guide, designed to equip you with the essential skills needed to achieve financial freedom.

Whether you're a recent graduate or a seasoned professional, this guide is tailor-made for anyone looking to improve their financial health.

Click the button below and Download our FREE  Guide!

Download Here


Herfinance Club

Personal Budget Spreadsheet

Free personal spending spreadsheet will help you create a budget. 

The power to change your financial life is in your hands and each journey begins with a first step.  

It’s important to make a plan for your money; otherwise, it typically ends up in someone else’s pockets. 

Click the button below to download your personal budget spreadsheet -- and let’s get down to business and start tracking your money.

Download Here



You Need A Budget.

YNAB is an excellent tool for long-term budgeting and changing your financial mindset. Their philosophy of giving each dollar a purpose makes it simple to break the paycheck-to-paycheck cycle. This tool has made all of the unusual and unexpected expenses that have arisen over the years far less stressful.

People who want a hands-on, detailed budgeting system and frequently use credit cards should consider YNAB. You must set aside time to keep your budget up to date because the system requires you to approve every transaction.

Despite the fact that the service costs $14.99 per month or $98.99 per year, YNAB estimates that the average user saves $600 per month. In addition, they offer a money-back guarantee. So, if you try it and decide it's not for you, you can request a refund at any time.

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Digital Cash Envelope Banking For intentional Spending.

Qube Money is a game-changing mobile banking app that automatically splits your money into separate digital accounts with the self-control of cash envelope budgeting, creating intentionality behind every dollar. You choose which qube you're spending from before each purchase, automatically limiting your spending habits and giving you a real-time snapshot of your spending strategy.

Qubes is free for the first ten, with subscription controls. The Premium plan ($8 per month or $78 per year) includes unlimited Qubes, shared accounts, recurring transfers, and other features. Get started earning money right away.


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Life Insurance & Estate Planning




Affordable Term Life Insurance Without A Medical Exam.

Get low-cost term life insurance, entirely online – without a health exam. Within minutes you can apply and get coverage, if approved.

I love how Bestow are helping the modern consumer apply for life insurance online making it a quick and easy process.

Bestow offers up to $1 million of coverage for 10- or 20-year terms. A 2-year term policy is also available for up to $500,000 of coverage.


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Affordable Legal Access From Estate planning Lawyers.

Estate planning can be confusing and costly. A legal plan from LegalShield provides access to experienced lawyers at an affordable price. Their personal legal plan lets you get consultation and assistance from a provider law firm, and even includes having that firm draft your Last Will & Testament, Living Will and Power of Attorney at no additional cost.

LegalShield offer Individual & Family Plans that also include family law, real estate services, and any legal matter that may happen down the road.


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Investing & Retirement




Have you recently made a career move or launched your own venture?

Instead of losing money, use Capitalize to rollover your previous 401(k) into a new or current Individual Retirement Account (IRA.)

They handle all of your paperwork for free, including calling your 401(k) provider, filling out paperwork, and sending documentation.

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Track Your Net Worth.

If you want to track your net worth and progress toward goals like saving and debt repayment, Personal Capital is a great option.

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Try out this calculator to discover how much you will need for retirement.


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Maximize Your Retirement Savings Through a 401(k), 403(b), or TSP

Blooom is a specialized robo-advisor for retirement accounts. 401(k), 457, 403(b), 401(a), or TSP) analyses are provided free of charge and take no more than five minutes. If you can minimize your fees or lessen your portfolio's risk, you'll be better off.

If you don't want to have to worry about your retirement account again, Blooom also offers low-cost ongoing administration services.


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 Saving Money



Novo, the powerfully simple online banking platform for small businesses

powered by Middlesex Federal Savings F.A.,

In search of low-cost banking options for small businesses. For firms that don't need a physical location, this is a great option.

It's completely free and includes an envelope function, so you can store money for multiple purposes, like taxes or emergency savings, in one bank account and ten sub-accounts!


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Refunds in The Form of Free Cash on Everyday Purchases

In a similar vein to Ebates, Drop offers cash back on a variety of transactions, not only online ones.

To get cash back, simply link your credit or debit card to Drop's service (this is done through a secure system where Drop can only see your transactions, not initiate charges or make modifications) and it will keep an eye out for purchases with partner brands and credit your account with cash back.

For example, Drop has connections with Costco and Trader Joes as well as other major retailers and transportation services like Lyft and Uber. Get started right now with a cash-back program!

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Disclosure: Nothing on my website or affiliated channels should be considered advice or an endorsement, and some content may include affiliate links in which I may earn a commission at no extra cost to you. Please read my disclaimer to learn more.