The recommendations below are products and services that we have personally used or have vetted and endorse.  If you sign up or purchase some of these products we may be compensated at no additional cost to you. These referrals help to keep this site running. We only endorse products and services that we would recommend to friends and family.  If you have any questions about any of them, feel free to contact us. You can see our full disclosure  on advertising and affiliate links.

Money Management Tools

Personal Capital

We have recently started using Personal Capital and we really like this tool for tracking all our financial accounts.  It is easy to use and link your accounts and provided great graphics and analytical tools including a retirement planner.  Personal Capital also offer advanced services such as investment management options.  The application is free even if you don’t choose to use the additional services.   If you are viewing our blog you probably already use Personal Capital, but if not we highly recommend you try it out.

You Need A Budget

We use You Need A Budget (YNAB) every day to keep track of our budgets and spending.  Mrs. FoF is an avid proponent of YNAB and is writing a series of blog posts on how we use this tool in our daily lives.  It really has changed our relationship with spending and savings and we highly recommend this tool.

Click on the link or image below for 34 day free trial and if you choose to subscribe through this link you will get an additional 30 days free.


The following are books we have used and recommended.  We have read each of these and refer to them often.  Some of these have been used as reference material for our blog posts.  If you click on the image it will take you to Amazon if you would like to purchase your own copy.