Personal Capital’s Personal Finance Software: Personal Capital by Empower offers personal finance tools and software to see your financial accounts in one template.Department of Education offers this estimator to help you set a budget on the financial aid you may receive. Federal Student Aid Estimator: If you’re a student, Federal Student Aid of the Office of the U.S.Mint Free Personal Finance Software: Mint offers a budgeting app that links all your financial accounts and transactions.MoneyGeek’s Cost-of-Living Calculator: Get an idea of how much you’ll pay depending on your city using this cost-of-living calculator.Several are even free to download and use, while others are paid options. Many resources, including templates, calculators and apps, can help you reach your budgeting goals. Get creative, and you’ll be able to have the things you enjoy without breaking your budget. Instead of shopping for high-priced new clothes, host a swap with friends or search for unique finds on a secondhand site like Poshmark.

Set yourself up for success: You can resist the temptation to order takeout on a weeknight by meal prepping and stocking your freezer with tasty meals.Allocating some money for treats or fun stuff can keep you motivated to stay on track because you won’t feel like you’re missing out on anything. Be flexible: While you want financial discipline, you don’t want to go overboard.You may find you can trim your expenses using this method. It seems like a psychological trick, but seeing the money being deducted can be more effective than using credit. Give the credit cards a break: If you tend to carry a balance on your credit card each month, it can be helpful to start using your debit card or cash to pay while adjusting to your budget.Need a little extra help sticking to your budget? Try these tactics to stay on track.

Examples of personal finance software