With a hard-hitting credit crunch beginning to take its toll on the masses, and rising fuel and food costs already causing distress, more and more people are turning to the web in order to cut costs and to make use of the valuable financial tools that exist online. We hope this list comes in handy, and let us know if you feel there are anymore that deserve a place below!
Budgeting & Money Management
There’s an always increasing number of tools and websites devoted to helping you manage your money. Each of these will be unique, but many have similar functions for budgeting and tracking expenses, and some will integrate with your bank accounts. The list includes both free and paid tools:
1. Quicken Online - Manage your personal finances and online banking accounts.
2. Mint - Free personal finance software to assist you.
3. Yodlee - The most comprehensive online banking solution on the market.
4. Expensr - A solid solution for a young adult’s simple finances.
5. Wesabe - Save Money, Spend Wisely and Reach Your Goals.
6. Walletproof - Search for money saving deals recommended by other Walletproof users.
7. SpendView - Analyze your spending in a simple, automated and efficient web based personal finance tool.
8. billQ - An easy way to keep track of your bills.
9. Buxfer - Free online personal finance software for budgeting and expense management.
10. Pear Budget - Start an easy budget for free.
11. Geezeo - Free online personal finance managment service.
12. Mvelopes - Lets you create a household or personal budget.
13. iOWEYOU - Expenses sharing calculator.
14. Billster - Helps people organise their personal and shared expenses.
15. BudgetTracker - An online finance manager.
16. Budget Pulse - An interactive, web-based budgeting utility.
17. Dimewise - Financial management you’ll actually use.
18. Spicy Digits - Managing your recurring expenses is a breeze.
Online Savings Accounts
Online savings accounts offer much higher interest rates than you can get from traditional bank savings accounts, and they can be pretty convenient too. Of course, these banks will not be available to all parts of the world. The list is separated by the US and UK.
US:
1. ING Direct - High interest savings account from ING Direct.
2. HSBC - Provides a wide range of financial services to consumers and businesses.
3. Capital One - Get information on Capital One credit cards, auto loans, home loans and mortgages, savings.
4. FNBO Direct - Offers high interest saving accounts with the convenience of banking on the web.
5. E*Trade Bank - Banking and lending products and services supported by high yields.
6. Savings Square - It takes money to make money, but it only takes 10-15 minutes to open a new Square Savings Account.
7. GMAC Bank - High Interest Rates for CDs and Money Market Accounts.
8. Countrywide Bank - Institution focused on keeping costs down in order to provide higher interest rates to depositors.
9. EmigrantDirect - High rate, no fee, no minimum savings accounts and certificates of deposit.
10. CitiBank - Get rewards for your everyday banking.
11. Provident Direct - Provident-direct has great online savings rates.
UK:
1. Barclays - Find personal banking services with Barclays personal banking.
2. Cahoot - Access to your accounts 24 hours a day or use our mobile banking and automated telephone services.
3. Egg - UK-based Internet bank gives customers online access to their accounts.
4. ICICI Bank - ICICI Bank provides personal banking, NRI banking and corporate banking.
5. ING Direct - Offering one of the highest savings rates with no fees and no minimums.
6. HSBC - For all your personal and business banking needs.
7. CitiBank - Provides a range of personal banking services, credit cards, insurance, and investments.
Invoicing Tools
For those of us who bill clients, online invoicing tools are a big time-saver, and they can help you to stay organized by knowing what invoices have been paid. Many of the options listed here include both a free and a paid version, or a free trial period. Some of the items on this list strictly handle invoices, and others provide additional money management functions:
1. FreshBooks - Online invoicing and time tracking service.
2. Billing Manager - Free online invoicing software.
3. Invoice Place - Tax Invoices, quotes and receipts - fast and easy.
4. Pay Simple - ACH, eCheck, and Merchant Account Processing.
5. Less Accounting - Small business accounting software.
6. Blinksale - The easiest way to send invoices online.
7. Invotrak - Keep track of your invoices and time sheets quickly and easily with invotrak.
8. Invoices Made Easy - Create, manage, customize, print, and email your invoices completely free.
9. Bill My Clients - Easy way to create and send invoices and bills to your clients.
10. Billing Orchard - Online electronic billing software application.
11. WORKetc - Includes CRM, time tracking, documents and billing.
12. Simply Invoices - Easiest way to create invoices from the time you’ve logged in your Basecamp project.
13. SimplyBill - User friendly online invoice management tool.
14. Time:59 - Web-based client billing and online invoicing software.
15. Invoice Creator for Excel - Create invoices with Professional Reports.
16. Free Invoice Templates for Excel - Create invoices with Professional Reports.
17. Bill4Time - Web based time tracking and time billing software.
18. Cashboard - Estimate, Invoice, and Time Tracking Software for your business.
19. Invoice2Go - Software for creating invoices, purchase orders, quotes and all types of business documents.
Online Payment Processing
If you’re selling products online or providing freelance services, these tools can make it easier and convenient for you to get paid. Of course, they can also be convenient if you’re doing the paying:
1. PayPal - World renowned.
2. Google Checkout - Google’s way to send and receive money.
3. Neteller - Online payment solutions.
4. iKobo - Pick up your money at over 1000000 Visa ATMs.
5. Moneybookers - Cheaper way to send and receive money worldwide.
6. Payoneer - Payoneer uses MasterCard prepaid cards to enable payouts from websites to individuals worldwide.
7. Citibank - Simple, Secure and Convenient way to pay.
Websites and Blogs
Want to learn more about managing your money? There are a number of excellent websites and blogs that you can follow to enhance your financial knowledge:
1. Yahoo! Finance - Free stock quotes, up to date news, portfolio management resources, international market data.
2. MSN Money - Comprehensive source for your money and personal finance needs.
3. CNN Money - Business news and financial market coverage updated throughout the day.
4. The Wall Street Journal - International and national news with a business and financial perspective.
5. Google Finance - Broad range of information about stocks, mutual funds, public and private companies.
6. BankRate - Online publication that provides consumers with financial data, research and editorial information.
7. GStock - GStock is a supercomputer for daily hot stock picks and best stock pick signals with a high degree of certainty.
8. Get Rich Slowly - Weblog covers frugality, saving and investing, and other aspects of money management.
9. Wise Bread - Personal finance and frugal living forums.
10. The Motley Fool - Provides premium investing advice and market-beating stock research.
11. The Simple Dollar - A personal finance blog focusing on ordinary people dealing with unprecedented levels of debt.
12. Blogging Stocks - Blog about the stock market.
13. My Money Blog - Chronicles author’s journey and his goal of becoming a millionaire.
Articles
The articles below are excellent starting points for learning more about finances:
Stock Trading
Online trading can provide cheaper transactions than traditional trading. Here are some of the leading options:
1. Scottrade - Online discount brokerage firm.
2. E*Trade - Offers online trading & investing.
3. TD Ameritrade - Online trading services: Broker services.
4. ING Sharebuilder - Buy stocks online.
5. UpDown
6. FirstTrade - Online discount brokerage that offers investments such as stocks, options, mutual funds, bonds…
7. Zecco - Commission free stock trading.
8. SogoTrade - Online stock broker SogoTrade offers the best in discount brokerage investing.
9. Online Stock Trading Reviews - Information about trading stocks online.
Calculators and Tools
If you want to see how much a mortgage will cost you or how much you need to save for retirement, online calculators are a great resource. This is just a sampling of what you can find online, but these are some of the most useful ones:
Image by Daniel Starrason
译文:
在线理财的101个工具和资源
由于巨大的信贷危机开始损害了大众的利益，持续上涨的油价和食品价格已经使人们感到担忧， 越来越多的人寻求使用互联网来削减支出和使用在线金融工具。我们希望这个列表会很方便，如果你知道有更好的值得列在这里的，也请告诉我们。
(译者注：这篇文章介绍都是国外的网站，对国内用户可能参考意义不大 lol。)
预算 & 现金管理
致力于帮你理财的网站和工具一直在持续增长。虽然每一个都是不同的，但他们大多数都有相似的预算管理和支出管理，其中有一些还能和你的银行账户集成。这里列出的有免费的也有付费的：
在线储蓄账户
在线储蓄账户提供比传统银行储蓄账户高的多的利率，而且它们非常方便。当然，这些银行并不是在哪都有。这里按美国的英国分别列出：
发票工具
如果我们要给客户寄账单，则在线开票工具可以节省很多时间，它还可以帮助你有序维护它们以便知道那些是已经付过的。这里列出的有收费的，免费的和试用的。其中一些只处理发票业务，其他一些还提供附加的理财功能：
在线支付
如果你在线销售物品或提供自由投稿服务，这些工具可以让收费变得更加容易和方便。当然，同样也让支付变得容易：
网站和博客
想知道更多理财的知识？这里是很多可以提高你的金融知识的优秀网站和博客：
文章
下面这些是学习更多金融知识的极好的起点：
股票交易
在线交易要比传统交易费率更低。这里列出了一些主要的：
计算器和工具
如果你想知道抵押贷款怎么消耗你的资产或者退休还需要存多少钱，在线计算工具会很有用处。这里只是你可以在线找到的一部分，但都是些很有用：
图片 Daniel Starrason