Top Personal Finance Tools For Lazy People

You will be able to stick with a financial plan if it is very easy to implement. If your plan is very easy to set up you will find that it is also very easy to implement. Set and forget – that’s the key. Once you have set it up, it will start to work, and you can even forget about it and it will still serve its purpose. Here are some financial tools and tips that will help you plan your expenses and save money.

Financial Tools For Personal Savings:

These financial tools will only require small effort on your part, but they will ensure that you will be saving money if you include them in your routine.

401 (k) Contributions:

If you are just starting in your job, ask you HR department how you can save part of your income automatically with your 401 (k) contributions. If the company you are working with is using ADP, it will only take 30 minutes to set it up. After your account is set up, you can choose to change the percentage of your contributions in about 5 minutes. Starting at 1 percent will be very easy, and then add to it as your income increases. Your company will match whatever amount you will give.

Honey Browser Extension:

Honey is an internet browser extension that you can download to a pc or a laptop. This browser extension searches the internet for the best coupons that can be used on the online shopping site that you are using. Honey is more efficient in doing this than searching for coupons applicable for specific shopping sites. It is not very useful on Amazon.com, but is very useful in other shopping sites. This browser only 5 minutes to download and install on your device.

eBates Browser Extension:

eBates is another browser extension that can be downloaded and installed in a matter of ten minutes. It will do all the work of saving money while you are shopping. If a small box appears and asks you if you want to save a certain amount, just say yes by clicking on the box and continue shopping. After a few months you will be given an e check or a notice of the money that you have accumulated through your PayPal account.

Ways To Save On Groceries:

It is quite possible to cut your grocery expenses in half. Here are some easy ways you can do this.

Use a list:

Always use a list when you shop at the grocery store. Even if your trip to the grocery is unplanned, just organize a list of what you need to buy. If you don’t have a list, you will just pack the cart with everything that you think you need. You will not be able to control the total amount of your grocery bill that way.

Pay cash, if possible:

Use cash when paying the grocery store. That will enable you to control your urge to spend more. If you will limit your groceries to the amount of cash in your hand, you will be able to forego the other items that you don’t really need.

Let go of brand loyalty:

If you want to save, you need to let go of brand loyalty. Of course, there are brands that are really better than others. But if you really want to save, buy the brands that are on sale. They are really not that much inferior to the top brands. The important thing is that you are able to save money.

Try the new store:

Try shopping at the new store that just recently opened. New stores usually have introductory sales. To attract consumers, grocery stores that are newly opened usually offer discounted prices on the goods that they are selling. You will be surprised at how much you will save if you shop at a newly inaugurated grocery store.

Travel Tips That Will Save You Money:

If you are going on a road trip, here are some ways to save on your travel expenses.

Rent a car:

Renting a car costs money, but it will save your own car a very costly rate of depreciation, especially if you are still paying monthly installments on your car. If you put your own car on a thousand mile trip, its rate of depreciation will be very high compared to the rental amount that you will pay the car rental company. Renting a car for $200 to $300 dollar is much better than paying for a car’s monthly installment of $240 to $400 a month.

Pack your meals:

Packing your meals and limiting your restaurant stops will save you money. Just a little time of planning your meals is required and packing them will not be very difficult if every member of the family is helping.


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