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PERSONAL CAPITAL

Best Free Tool for all Your Financial Management Needs

Personal Capital is a free web based application that allows users to sync all existing financial accounts (credit card, school loan, banking, retirement accounts, college plans etc) to track spending, net worth, portfolio performance and fees in a simple dashboard.

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CHASE FREEDOM UNLIMITED CARD

The Chase Freedom Unlimited Card is true to its name offering unlimited 1.5% cash back on all purchases and your rewards never expire as long as the account is open. Spend $500 within the first 3 months of opening the account to receive a $150 sign up bonus and enjoy 0% intro APR on all purchases and balance transfers for the first 15 months. 

You can earn even more cash back with the Shop Through Chase program to earn 1-15% extra cash back at over 260 online retailers like Saks Fifth Avenue, Bloomingdales, Sephora, Tire Rack, Charles Thyrwitt, Carter's etc. Be sure to browse the store listings before you make your next online purchase to optimize your rewards. Chase will send you an email about a week after your purchase to confirm the number of extra points you've gained. Cash back rewards can be redeemed for cash, travel or gift cards.

To optimize every spending I set up auto-pay for my cell phone, school loan and car insurance directly to my Freedom card.

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FIVERR

Fiverr is a massive freelance service marketplace for almost anything and prices start at just $5. You can hire someone to design a logo, create a design for a poster or for proofreading services. Go ahead, give them a try. I've already recommended them to a friend who received a winning logo for just $5 for her business.