I was scrolling through my browser history the other day, as I am sometimes wont to do. As I was scrolling I noticed the time stamps on the different sites I visited: 12:04, 12:06, 12:09, and on and on. I know I spend a lot of time on the computer, but DAMN.
And fair enough. I make my money online as a writer and business owner, and I use the internet to answer every question that pops into my head. (Recently Googled questions: ‘How many people live in Oklahoma?’ ‘2018 planners’, and ‘VSCO filters wtf’.)
Organize Your Finances In The Digital Age
So where do I handle my money? Online, but of course. I’ve talked before about the importance of tracking your money. Knowing your money expenses and tracking what exactly you spend money on is the first and arguably the most important step in getting your money right.
You’re welcome to use anything you want to do this. But why do it by hand if you’re like me and are essentially glued to a computer screen anyway? It’s the 21st century baby. Now, you are a very busy person who probably doesn’t enjoy trying out new money tools and then comparing them to other money tools. I am the money nerd who loves this ish, and wants to distill down the financial tools that you can use to become a money wizard.
I’m going to start reviewing specific tools and programs that will clear some of the smoke around how people handle their money. All in the name of you becoming that money wizard.
One such tool? Cinch Financial.
New Kid On The Block
Cinch is the new kid on the FinTech block and paving the way for financial automation. In their own words, “From knowing just how much money comes in and how much goes out each month, to tackling credit card debt, to eliminating bank fees, to the very best car insurance policy for you – and beyond – Cinch is on it.”
Think of Cinch as an online Chief Financial Officer for your everyday finances (#21stcentury baby). And something that makes my heart sing: Cinch is a fiduciary. Fiduciaries are obligated to act in their client’s interest only – meaning they are totally unbiased. Cinch doesn’t get paid by the companies or products they recommend.
Cinch is designed for you to not only be able to find all your money info in one spot, but to give you the tools to improve your financial health as well.
When you sign up for Cinch’s free trial, you’ll fill in all the required info, including a few simple questions about income, if you share finances with a partner, if you have kids as well as providing information for Cinch to do a soft pull of your credit report, and linking up your primary checking account.
Then Cinch goes to work. Think of Cinch as a personal finance bloodhound. They do the legwork of making sure you’re getting the best rates, deals, and working with the best systems for your goals, and offer you ways to manage your money. If they find a sweet credit card with a lower APR to help pay down your debt, they’ll let you know and soon Cinch can make payments on your behalf through their platform. If Cinch notices you’re continually missing debt payments, they’ll provide a detailed step-by-step plan to get out of the red.
I walked through the steps to set Cinch up, and I’ve been in touch with their team. You know who is super passionate about their work? Cinch. Speaking as a money nerd, I’m genuinely impressed by their dedication to their product and their mission.
Ultimately It’s About You
Now, here are some important things to remember about using any financial platform:
-No platform will change your financial habits. If you’re an overspender or not earning enough money, no app or website is going to entirely change those things for you. You need to put in the time and work to use these tools.
-Financial literacy should be accessible to all, but it might take time to figure out what your needs are. My path to financial literacy was jumpstarted by my student loan debt, but you can be coming from a totally different place.
Managing my money gave me a sense of power like nothing else in my life did. Paying off my debt made me feel like wonder woman. Tracking my finances showed me I could commit to something. Changing my habits month by month showed me that I could *adult* like a real person! Find the financial tools that give you the same sense of superpower that I got and let’s conquer the world.
This post was sponsored by Cinch Financial. All thoughts and opinions are my own.