Be Money Smart - Learn Financial Literacy

Keeping track of your expenses can be complicated, but it’s an essential aspect of saving money. Thankfully, there are plenty of apps and tools designed to take some of the stress out of managing your finances. A survey by The Penny Hoarder found that 40% of people who follow a budget manage their money with spreadsheets. This guide provides a list of the best personal finance apps, tools, websites, and books that can help you stick to a budget and grow your savings.

360 Degrees of Financial Literacy is a FREE PROGRAM of the nation's certified public accountants to help Americans understand their personal finances through every stage of life. The 360 Degrees of Financial Literacy Web site offers general information for managing personal finances and does not recommend specific financial actions.

We can help you free up and keep more of your hard-earned money, even on the tightest of budgets. Show you ways to spend less on “needs” so you have more for “wants.” No matter how you want or need to save, – feeding your family better, redecorating your home, buying a newer car, traveling, or just making ends meet a little easier – we can show you how do it for less.

Provides guidance for planning future spending

By setting a budget, you will not only keep on top of your spending and see opportunities for savings, but you will also enjoy greater financial freedom by making a plan and sticking to it. It’s an important step in your financial plan, and with the help of this guide, it can be an easy one.