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Budget Pulse
Features
- Manual input, or file importing, of financial data (nothing automated)
- Assuages security concerns
- Allows users to share savings goals with friends who can then donate
- Immediate net worth calculations
BudgetPulse offers personal finance software to help users manage money. If you are worried about security this site is one to consider because it does not link directly to bank accounts. This is ideal for the type of user who isn’t comfortable with linking up all accounts to a third-party site. It’s also good for users who prefer to be more proactive and vigilant. Manual input of data naturally plays into this.
This site allows you to make your savings goals social. Not only can you share your savings goals with friends. You can allow them access to track how you’re doing and even contribute through Amazon or PayPal.
Otherwise, the site’s software lets you make all sorts of graphs and charts to show cash flow and net worth — helpful to keep your savings on the right track. This is one of the few sites we’ve seen that does a good job of allowing users to track assets and liabilities.
In addition to the graphics, the site produces reports about your money behavior giving you the full picture. This will help you adjust your spending and savings patterns. The downside, of course, is having to enter all the data manually. This is not a site for the lazy.
Mint.com
Features
- Automatic tracking of your savings and investments
- iPhone App
- Budget setting for specific goals
- Alerts for bills, small balances, and going over-budget
This money management site tracks your spending so you can see where your money is going, understand how your investments are doing, and build budgets for your specific savings goals. Mint also offers you ways to save you money based on your current spending habits. The site provides a quick yet full primer on savings, CDs and money market accounts, complete with plenty of definitions.
Federal Reserve Bank of New York's Interest Rates: An Introduction
The Federal Reserve Bank of New York provides an excellent personal finance primer, with a helpful section dedicated to explaining interest rates.
FDIC’s Bank Find
This Web site lets you find Federal Deposit Insurance Corporation-insured institutions by geographic location. The site will also answer such questions as “Is my bank insured?” and “Does my bank have a new name?”
NCUA’s Find a Credit Union
This Web site from the National Credit Union Association has a tool to help users find the right credit union for them.
MoneyRates.com
This Web site provides the visitors with the highest rates on CDs, money market accounts and high-yield savings accounts.
Monster’s Creating an Investment Strategy
Job site Monster.com features a money management section with particularly helpful guidance on investment strategies to help prepare for retirement.
YouCanDealWithIt.com
This personal finance Web site from American Education Services (AES) and FedLoan Servicing is aimed at college students to give them practical information on such things as savings strategies.
Fidelity’s Guidance and Retirement
Features
- Easy-to-understand advice for saving at different life stages and life event
- Tools and calculators
- Budget setting for specific goals
- Proximity to accounts for immediacy
This site is one of the best we’ve seen for offering saving advice for users at different life stages and going through different life events. The advice is specific, even though it’s not personalized. Of course, if you want to use Fidelity’s products this makes it all too easy, as everything is just a click away.
Project Money Savings Accounts Tip Sheet (Word Doc)
This Web site, “Project Money,” by adult learners out of the San Francisco Public Library, makes financial literacy accessible and attainable. Of particular note is their savings account tip sheet.
Deposit Accounts
This Web site features sortable tables showcasing the best rates culled from more than 25,000 sources. It also offers reviews of the banks and their offerings, both from editors and users.
About NYSE Money Sense
A credible resource for basic financial education to help people better understand and manage their personal finances.