Managing my money is something that I have had some trouble with. Funny how you think more money will solve money problems when really, it doesn’t. Learning how to manage your money properly is key.

I found these great resources that I wanted to share with you, they are very helpful and I use some of them to stay on track. Making more money really doesn’t mean anything, if you can’t manage where your money is going or how its being spent.

Piggy Pal – Your Money Tracker

PiggyPal is a true friend when it comes to managing money. Track your daily spending habits online or through your mobile handset while you’re on the go. Click here.

Piggy Pal Challenger

A fun, interactive game that tests your money management knowledge. Click here.

Benefits of Spending Less

A few reductions in your personal budget can free up money for investments. Here’s a calculator that shows you how to lay a new nest egg. Click here.

Budget Tracker Booklet

A pocket-sized booklet that helps you track monthly spending so you can budget intelligently. Click here to download the booklet.

Buy or Lease Calculator

Is it better to lease or to buy a car? This calculator offers answers that can put you in the driver’s seat to savings. Click here.

Debt Calculator

With this tool, you’ll discover how much interest you’re actually paying a creditor over the life of a loan. Click here.

Home Budget

Get your house in order with a calculator that helps you determine where your money is going. Click here.

Mortgage Rates

A tool that helps you compare mortgage rates from big banks, credit unions, specialty lenders and mortgage brokers in one search. Click here.

Mortgage Comparison Calculator

With this tool you can sort through monthly payments, fees and other costs associated with getting a new mortgage. Click here.

Mortgage Payoff

This calculator shows you how much interest can you save by increasing your mortgage payment. Click here.

Rent or Buy?

Should you rent or should you buy your home? This calculator helps you weed through fees, taxes, and monthly payments. Click here.

Retirement Planner

With this tool, you can lay the groundwork for a retirement plan. Click here.

RRSP Loan Calculator

Use this calculator to see how a RRSP loan could help you with your retirement savings plan. Click here.

Savings Calculator

Learn how even a modest but consistent savings strategy can work wonders. Click here.

Savings Goal

A tool offering you the big picture on the financial results of your savings plan. Click here.

Shopping Quiz

Test yourself with this shopping quiz to see if you have financial blind spots and are in need of credit counselling. Click here.

Student Budget Calculator

A calculator specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution. Click here.

So that’s the kit. Feel free to use any or all of the above items anytime. And please share them with family and friends if need be. After all, the beauty of these tools is that you don’t have to worry about returning them to the box.