Free Money Management Services You’re Not Using

David Sung | April 10, 2012

There are two old sayings that seem to contradict each other on the surface:

  1. The best things in life are free.
  2. It takes money to make money.

But, now there are a ton of websites that give you free services to help you save and manage your money – then you can use that money to make more money! Paid services don’t get much better than these free tools, and you need to take advantage of these money management mash-ups, right away.

If you haven’t read about or used, yet, you’re missing out on what The Wall Street Journal, The New York Times, Money magazine and dozens of other top publications have rated as the best free money management tool. Mint helps you manage all of your bills as well as checking and savings accounts, and it gives you reports about the various categories where you spend your money – groceries, entertainment, coffee shops, etc. Mint is owned by Intuit, which makes business accounting software, and is very trustworthy. It works on iPhone  and Android devices, so you can manage your accounts away from home or the office.

Money Management International is a unique, non-profit credit counseling organization, and it runs It describes itself this way, “We provide professional financial guidance, credit counseling, community-wide educational programs, debt management assistance, bankruptcy counseling and education services, and housing counseling assistance to consumers via phone, Internet and in-person sessions.” A number of its services are completely free, so if you’ve gotten yourself into money trouble, you don’t have to add to it with additional expenses. Money Management has tons of free articles, pod casts, calculators and ebooks that answer common money and budget questions and help people make insightful spending decisions.

Most of us do a lot of banking online now – paying bills, transferring money, etc. However, even the best bank sites don’t have great checkbook registers, so we still carry around paper registers – if you remember to carry it that is. lets you manage your checkbook register online, and it provides a host of other tools to budget and report on your spending.

Everybody knows how important credit scores are, but they forget that the scores are based on extensive reports about your finances, borrowing and payment history. A federal law requires that the three credit reporting agencies allow every consumer access to their own credit reports once every year for free! is the one site where you can go to access all three and be sure you get them for free. Now, you won’t get your actual scores without paying for them, because those are the property of the reporting bureaus – but you will get the information you need to correct anything that is negatively affecting your scores.

More Articles

With Credit Card Rates Rising Fast, Here’s How to Ask for a Better Deal

Learn how to lower credit card interest rates amid rising trends. Negotiate with credit card companies effectively for a better deal. Take control of your finances now!

Read More >

Cash Store’s Top Ideas to Save Money on Home Improvements

Discover cost-effective home improvement ideas! Financing home improvements wisely with cash stores. Save money on renovations today!

Read More >

8 Most Affordable Cities in the US

Discover the 8 most affordable cities in the US! Explore budget-friendly living options, low-cost housing markets, and quality of life in these economic gems.

Read More >

Trusted provider of cash loans since 1996


Connect With Us

*Loan Amount is subject to loan approval. Loan terms and availability may vary by location.  Approval rate based on complete applications received across all Cash Store locations. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times may vary.

Loans / Advances are provided based on approved credit. Cottonwood Financial uses a proprietary model to evaluate the creditworthiness of each applicant for credit. Vehicle is subject to evaluation for title/auto equity loans. Please see the Licenses and Rates page for additional product details.

Cottonwood Financial offers consumer credit products that are generally short-term in nature and not intended for long-term borrowing needs. In Texas, Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender. 

Customer Portal residency restrictions apply. Availability of funds may vary by financial institution.