We commonly get asked for recommendations about what financial resources or apps to use. These can range from money saving tools to online brokerages and everything in between. With that in mind, we created this list of some of the top resources out there to help manage your money.

Think of it as a one-stop shop to find great products and services to save and/or make thousands of dollars. You will notice we’ve broken them into sections to make browsing a little easier.

We’ve used many of these tools and have found them to be quite useful. Some of the links below are affiliate links, which means Frugal Rules will be compensated if you sign up for a service. This does not impact pricing or service. Thank you for your support of the site.

Money Saving Websites


We all like to save money, though aren’t always aware of all the available options. Here are some tools to help you keep more money in your pocket.

ResourcesRepublic Wireless. How much is your monthly cell phone bill? Republic Wireless is a no-contract cell phone provider that has leveled the playing field for cell service. Republic Wireless has cell phone plans as low as $15 per month and they pay you back for unused data.

CIT Bank. Key to saving money is actually saving money and letting it earn interest. Rates have been horrible for years, but having a high-yield savings account is vital to your financial stability. Thankfully, there are some options that pay something decent. Our favorite option is CIT Bank. Their money market pays 0.50 percent, and is FDIC-insured, just like a savings account. You receive a free debit card, so funds are liquid. You can start an account with as little as $100.



Investing in the stock market is vital to building wealth. Many don’t start out of fear or lack of funds – don’t let that be you. Here are some online brokerages I’ve used and recommend.

Personal Capital. Personal Capital is Mint with a twist. Not only can you track spending and budget, but it also helps you with investing. Personal Capital analyzes your portfolio to find lower cost funds and has a killer net worth graph on your home page. If monitoring the entirety of your finances in one place is important, Personal Capital is the tool for you.

BettermentBetterment. If you’re new to investing, or investing with little money Betterment is for you. Betterment is a robo-advisor which means they manage all the facets of investing for you so you can start building your wealth. They also have a no minimum balance requirement so you can open an account for as little as you like.

Debt and Credit Repair


Paying off debt takes a lot of work. We know as Frugal Rules found John Schmoll paid off $50,000 of credit card and student loan debt. If you’re paying off debt, here are some tools to help you get there quicker, or repair your credit.

LightStreamLightStream is a part of SunTrust Bank and offers loans from $5,000 to $100,000 that can be used for almost anything. Whether it is consolidating debt, buying a car or financing a home improvement project, LightStream is a good option to consider. LightStream only lends to consumers with good to excellent credit and offers some of the best rates around, especially if you sign up for AutoPay.

Avant. If you have a lower credit score, as low as 580, and need to kill your debt, Avant is a solid option to consider – with rates as low as 9.95 percent. Avant goes a step beyond other consolidation companies by charging no loan origination fees and has same day funds availability.

Blogging and Small Business


Frugal Rules in eights years old we rely on a lot of tools to help us run the site. Here are some of those tools.

Bluehost. If you’re a new blogger or are starting a business and need a small site, Bluehost is a great option to consider for your hosting needs. They’re also considered one of the top web hosting companies in the space. You can host your site for as low as $2.95 per month when you sign up through our link and they can have you up and running in less than ten minutes

Get online with the world's Best -!GoDaddy. If you run a small business you need to have a web presence. GoDaddy is the place to go to find a domain name. We’ve used GoDaddy for years and they offer terrific service. They commonly run specials – such as your first year for $1, so make sure to watch for those.

Freshbooks. Freshbooks is a lifesaver for our small business. It allows us to track income, send invoices, watch who has viewed those invoices and many other things. The beauty of Freshbooks is when you connect it to PayPal, Freshbooks allows you to only be charged a 0.50¢ PayPal fee instead of the typical 2-6% fee they charge. That alone is worth the savings.

eHealthInsuranceEHealthInsurance. Like it or not, we’re responsible for our own health insurance as a small business. Wading through which insurer to choose is a major hassle. EHealthInsurance simplifies a lot of that and you can have a new insurer in less than 30 minutes. They aggregate a variety of insurers so you get to choose the plan that works best for your situation.

Life Insurance


Life insurance plays a major role in wealth planning. The last thing you want is to pass unexpectedly and leave your family unprepared. Here are some options for your life insurance needs.

Frugal-Rules-Underwear-250x250@2xPolicyGenius. helps democratize life insurance by lowering the cost for us as consumers. I used to work in the life insurance industry and know how salespeople are compensated. PolicyGenius gets rid of all that and works on your behalf to get the best rate available – often at a significant savings.


Make Extra Money


Who doesn’t like to make extra money? Extra money can help pay off debt quicker, invest sooner or fill your pockets with a little extra spending money. Here are some resources to make extra money.

UberPostmates. The on-demand delivery space has exploded in recent years, offering a legit way to earn extra money. Postmates is a leader in the space. You can deliver anything from restaurant meals to items from an office supply store to people. You can work on your own schedule and earn $20+ per hour. Click here to learn more.

Swagbucks. Do you spend a lot of time online? Do you shop online? Swagbucks allows you to monetize that time. Swagbucks lets you earn cash back for a variety of things from using their search portal to shopping through their online portal. You can either cash out your earnings or redeem your cash as Amazon gift cards. If you sign up through our link, you receive a $10 new account bonus.

Pinecone Research. You’ll never get rich making money on surveys, though it can provide a little spending money each month. One such survey site is Pinecone Research. You can take surveys through Pinecone research and cash out as money or different gift cards and prizes. They also send out free products to review from time to time. Click here to sign up for Pinecone Research.