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These days, there are so many fantastic financial tools you can make use of to help you with the day to day task of managing your finances correctly.

With the right help from the right tools, you will be on track to achieving a healthy money mindset and achieving your money goals. Here are the financial tools that you should definitely be using right now.

5 Financial Tools You Should Be Using #budgeting #onlinebanking #moneymanagement #creditscores

Know Your Credit Score

Your credit score determines how easy it is for you to borrow money when you need to. Your credit score takes into account things like:

  • Your credit history, how much you have available and how much of your credit you’re using
  • Your payment history – have you had any defaults
  • The number of credit lines you have

You can stay on top of your credit score at the touch of a button for free using these tools:

Budgeting Software

Budgeting from month to month is really valuable because it allows you to focus on spending less money than you earn, and only what you can afford to. 

There are plenty of good budgeting software tools out there for you to explore, so be sure to find the one that works for you. I love Money Dashboard because it connects to your banks and credit cards, and analyses your spending in to categories. It’s a great way to see what you spend now and help to see where you can make changes going forward. 

Using a budgeting app makes the task of budgeting much easier than it would otherwise be.

On the subject of budgeting, don’t forget to factor in ALL expenses when you are preparing your budget. 


Online Banking

These days, it’s very rare that people don’t use online banking to monitor their accounts. It’s the most basic, and maybe the most important tool, on this list because it helps you see what’s happening in your various bank accounts and loans quickly and easily. 

I now have a personal and self-employed business account with Starling Bank because I love the functionality it brings. It gives me alerts when my account has been debited or credited with money, which means I can always be on top of any potential fraudulent activity.

Investment Tracking Software

If you have investments, and you probably should if you want to secure your financial future, it’s important to track them in the most effective way.

The easiest way to do this is to use the app for your investment provider. This will allow you to track your investments from wherever you are or whatever time of the day it is. 

Price Comparison Websites

When you’re about to buy something, you should hold back for a second and take a moment to head to a price comparison website.

By doing this, you’ll be able to find out where you should buy from if you want to get the best possible deal and save some money. Sites like moneypug, comparethemarket and uswitch allow you to avoid spending less than you need to, and that’s always good for your finances.


You’ll get so much better at looking after your money and staying on track with all of your financial goals if you make use of all the best financial tools at your disposal. These tools are out there waiting to be used. Make the most of them and start using them today. 


This is a collaborative post.