A compilation of recommendations from Lacking Cents. We only recommend products that we have pre-vetted and believe are high quality. Please note that some of the recommendations include affiliate links. There is no cost to our readers for using them, but Lacking Cents may receive a commission from the company. Read more details in the full disclaimer here.
Budgeting & Building Credit
Learn why our family thinks budgeting and building strong credit should be vital to everyone’s personal finance plans. Before you do anything else, make a budget and try your best to stick to it to reach your goals. Excel is a great tool, and there are also terrific online tools available for free that will do all the heavy lifting for you. Here are some of our favorites.
Student Loan Refinancing
We love LendEDU because it’s free, quick and easy. It also connects you with the top student loan refinancers on the market, so you only need to search for rates once. Lowering your rate or customizing the length of your loan(s) can help you reach your goals and save you money in the process. Then you can start writing about how you paid off all your student loan debt like we did!
It is never too early to start investing, and compound interest will make you glad you started early no matter how small the deposits. We have both a Roth IRA and taxable investment account with Betterment and absolutely love it for its simplicity and advanced features like tax-loss harvesting, tax-coordinated portfolios, and graphical growth projections of our money over time.
Build A Website
Building a website was much easier than I thought, and our web hosting service Bluehost has been amazing and made the process extremely easy. They have an easy WordPress install, great support, and a really good monthly price. Our premium theme, Avada, makes the process even more simple and includes amazing features you see on display throughout this website. Learn how LackingCents.com was built here.
Other Products & Services
I love finding deals and I write about them on Lacking Cents. Check out all the blog posts from my Saving Cents series here! Below are some of our favorites.