Top recommended products and tools for making, saving and managing money. Hey there! Welcome to my “Tools” page!

Here you will find a list of products and services that I personally use and recommend. These brands have earned the Personal Finance Junkie Seal of Approval! 

Every recommendation is added with the goal to help you make money, get out of debt, or get one step closer to financial freedom and a life you love!

I have divided my recommendations in six sections for your convenience; saving money, managing money, self-publishing, blogging, learning and productivity, and top personal finance books.

Table Of Contents:
Save Money
Manage Money
General Education
Top PF Books

Note: This post contains affiliate links. Please read my full disclosure for more information.

These Tools WILL Save You Money

Grocery Budget Makeover.

Image result for grocery budget makeover logoConfession…I chronically overspend on groceries. I know you don’t because you are better than me. Seriously, I don’t know what it is about food but I believe it is my one and only weakness. I just love delicious food and I have almost zero self-control when it comes to limiting my food budget. That is why money saving apps (like Ibotta) and courses like the Grocery Budget Makeover are a God-send for me!

I know that unless I’m doing a Zero Day Challenge or something I will be spending money at Starbucks, and several other drive-thrus each and every month so I must WIN at the grocery store. The Grocery Budget Makeover course will teach you tips about grocery shopping that I swear you have never heard of in your life. It is only open a few days of the year so if you think you might be interested in the future then get on the waiting list now.

Amazon Prime Shipping (Free 30 Day Trial).

Image result for amazon prime logoUnless you live under a rock you have heard about Amazon. If you are an introvert like me then you probably even do most of your shopping there to avoid…um…people. When you shop on Amazon for most things then a Prime Membership is a MUST HAVE. With Amazon Prime you get free, unlimited two day shipping (with no minimum purchase amount).

Other perks of the membership include thousands of free movies and TV shows at your disposal. I have to tell you, that is a dream for a girl who refuses to pay for cable. But that’s not all…a Prime membership also allows you to borrow Kindle books (that are apart of the Kindle unlimited program) for FREE! You can even download and read my book, Financial Fitness on your Kindle, iPad or computer today. Need I say more? Oh yeah, if you click my link you get a 30 day free trial. #winning.


A friend from work taught me about Ibotta. Since I’m always talking about money, I think I randomly mentioned that I wish there was a way I could save on groceries without clipping coupons. Right after I said that she immediately whipped out her iPhone and gave me her Ibotta referral code.

I signed up right away and have been saving on food and other items at places like Target, Walmart, Amazon and Albertson’s grocery store. Now I am passing my referral code on to you so you can start saving so sign up today…it’s too easy! 

Budgeting For Budget Haters.

budgeting for budget hatersOnly a true Personal Finance Junkie would take a course to learn how to budget better.  If your finances are as important to you as they are to me then you have to take the Budgeting For Budget Haters course. I know you probably have everything under control but I am a firm believer in “you can never learn too much”.

I signed up for this course after over a decade of reading every single personal finance book on the face of this Earth. Guess what? I still learned some things! The course was created by Certified Financial Planner (CFP), Adam Hagerman and the man knows his stuff. When I enrolled the course was $97 and Adam had a payment plan option as well. If you hate budgeting then definitely check out the course, Adam makes it suck a little less.


Image result for lendedu logoRefinance your student loan (or group of loans) into one loan with a lower interest rate and lower monthly payment. Save money on your student loan debt. If you have private student loans I highly recommend you check out LendEdu’s rates and see if you can get a better deal. LendEdu can offer you the best rate because they work with all of the top student loan refinance companies. Get a quote without hurting your credit at LendEdu today.

Top 3 Tools To Manage Your Money


Image result for myfico logoManage your credit score and credit report for FREE at MyFico. Knowing what is on your credit report is the first step to improving your credit and maintaining your good credit rating. Get alerts sent to your phone whenever there are changes made to your credit report. No more worrying about identity theft. Sign up at today to get the protection you need.

Capital One 360.

Image result for capital one 360 logoI LOVE Capital One 360 for a few different reasons. The number one reason why I have been a loyal Capital One 360 customer (since way back when they were ING Direct) is because this bank makes it incredibly easy to separate your savings into multiple accounts and to automate your finances.

This bank also has a really cool refer a friend program where if you open an account you can receive a Cash Money BONUS (cha-ching!). What’s even better is your friend who hooked you up will get a few dollars as well if you meet the terms when opening your account. Check it out and use my Capital One 360 referral link if you decide to open an account so we both get a little bonus. 🙂 You know your girl has student loans to pay!

Personal Capital. 

personal capitalWatch your net-worth grow for FREE with Personal Capital. The money management software I use to track my income, spending, student loan balance and investments. Receive email updates telling you how your investments are performing and how your spending compares to previous months. A valuable resource if you are looking to grow your net-worth.

My Go To Self-Publishing Materials And Resources

Self-Publishing School.  

self publishing schoolRead: My Self-Publishing School full review. Would you like to write your book and see it published on Amazon in the next 90 days?  Self-Publishing School can make it happen. I took the course and it worked for me so I highly recommend it to anyone who is serious about learning how to go from dreamer to published author! Check it out. Sign up for the free Self-Publishing School resources and see if it feels right for you.

Happy Self-Publishing (Free Resources). 

Happy Self-PublishingTake the FREE Self-Publishing Video Course at Happy Self-Publishing. Learn the ins and outs of the self-publishing business from an expert who has published well over a dozen books and is making a full time living off of her self-publishing empire. I have not personally used any of the paid courses or services over at Happy Self-Publishing so I can’t vouch for the quality of those. I can say that the owner of the site, Jyotsna was in my Self-Publishing School cohort and she stood out as one of the most knowledgeable and helpful students from the start. I’m sure her paid program and services are just as awesome.

Scrivener Word Processing Software. 

Scrivener The best word processing software I have encountered to date! If you have ever written a document over 100 pages then you know that you can become lost and disorganized QUICK! Scrivener Software solves that problem. With so many different ways to organize your writing using this software you will never feel overwhelmed by your large writing projects. Scrivener was the key to me actually being able to successfully complete my first book. They usually have a free trail going on so check it out. Fair warning, the learning curve on this program is steep but if you stick to it, it will be worth it!

Learn Scrivener Fast. 

Learn Scrivener FastSo I can’t recommend Scrivener without letting you know about the course that teaches you how to use the software. The developer, Joseph Micheal actually did a special webinar for my self-publishing school cohort and I pretty much learned everything I know about Scrivener during that training. With this course you will learn how to make Scrivener do exactly what you want it to do. Scrivener is like my iPhone, I discover a new feature on it every day. This course is not necessary to learn how to use the software but it will cut your learning curve dramatically giving you more time to focus on your writing.

Books To Get You Started On Your Author Journey.

If you want to become a published author but don’t have the financial resources to invest in a course like Self-Publishing School right now, don’t worry…you have options! I have read all four of the books below and I can assure you that all of the information that you need to successfully publish your first book can be found in these books. You will learn a whole lot for the fraction of the price of a course. Once you start making money off of your first book however, I do recommend that you save some to take a course in order to get to the next level. Happy reading and good luck!

Tools I Use To Blog

Making Sense Of Affiliate Marketing.

Making Sense of Affiliate Marketing is a step-by-step guide to making money with affiliate marketing. The course explains everything you need to know to get started making money online. If you are a blogger or want to start a blog, the Making Sense of Affiliate Marketing course will teach you how to begin making money online.

How I Made $40k My First Year Of Blogging.

Image result for chelseasmessyapron logoBlogger Chelsea Lords of Chelsea’s Messy Apron made over $40,000 by the end of her first year blogging. Luckily for us she documented her journey every step of the way and put all of her hard earned lessons into an eBook. She shares her tips and secrets to building a successful blog. Learn more about her eBook and read testimonials here. When I downloaded the Ebook it was around $20.  Not bad considering I’ve made that money back and some by using her tips.


Image result for bluehost logoBluehost is the most highly recommended host in the blogging world and it is the host I use and trust. They are always running promotions where you can get hosting services from $3 – $4 a month. Sign up with Bluehost for your hosting needs if you think you will eventually want to grow your blog into a business.


Image result for leadpages logoIf you plan to make money with your blog then you are going to need to way to capture email addresses. Leadpages provides proven templates for you to use to capture email addresses from your audience. It may be a little expensive if you are just starting out but if you have the money to invest then I definitely think LeadPages is a must have and it is worth every penny.

The Very Best Books I’ve Found On Blogging.

I have to be honest, I haven’t found very many good books on blogging. The four books I recommend here are excellent however. I have learned enough to get me me started on the path to earning income through my blog. I highly recommend these books if you are thinking about starting a blog.

Tools I Use To Learn, Be Productive & Find Peace

Amazon Audible.

Image result for audible logoAudible, an Amazon company, offers the world’s largest selection of digital audiobooks. Just because you are busy doesn’t mean you can’t learn. Amazon’s Audible is a busy person’s dream come true! With Audible, you can listen anytime and anywhere to narrated audiobooks. I love to listen to books while driving. Sign up today to get two FREE audiobooks.

Amazing Books That Every Human Should Read.

Seriously, all of these have had a major impact on my life. I have read each of these several times and I continue to learn new lessons each time.

4 MUST Read Books For All Personal Finance Junkies