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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well, that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well, that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

After the last six months, we have come to realize just how important our homes are to us. Our home has become a sanctuary for every part of our lives (it's where we go to school, work, gym) and when you're spending so much time at home, it can be problematic when things go wrong. And if you're a homeowner, it's also a big responsibility to make sure everything in your home is and continues to run smoothly.

For example, if your hot water heater goes out, you have to take care of getting it fixed. As a homeowner, you don't have the convenience of being a renter, where if something breaks all you have to do is call the super or landlord. (Boy, do I miss those days!)

On the other hand, a lot of benefits come with buying your own home – it's a great investment, owning property is good for building equity, and for some can be a nice place to put down roots to raise a family. But as your home ages and experiences normal wear and tear or unexpected damages, being a homeowner can become a real headache. Since now many of us are home more than ever, our home systems and appliances are working overtime. And that could mean more breakdowns.

Homeowners are opting to have home warranty plans in place, to have someone to call when something on their plan breaks. Having a home warranty plan from HomeServe can help protect your finances when you're in need of emergency home repair services covered on the plan. (Because let's be honest, nobody wants to dish out hundreds every time they need to call a repairman or thousands of dollars if replacement of a pipe or appliance is required.)

Want to learn more about how a plan from HomeServe works? Here's what you need to know:

What is a home warranty plan?

A home warranty or home repair plan gives you peace of mind. While basic homeowner's insurance plans typically cover accidental damage to your home caused by events like fires or natural disasters, a home warranty plan helps cover the repairs or replacement costs associated with the normal wear and tear of home systems or appliances in your house.

When your plumbing lines, AC, heat, or appliances fail to work or need to be replaced, it could cost you a lot of money. When you're prepared with a home warranty plan from HomeServe, you will have access to a 24/7 repair hotline that allows you to make an appointment to have a licensed technician come over and handle your covered repair.

What does it cover?

Depending on the type of plan you have, it might cover plumbing, electrical, or heating and cooling systems. That includes things like a boiler breakdown in the middle of winter and locating and replacing a leaky pipe.

Why do I need it?

With a home warranty plan from HomeServe, you will have peace of mind. Since no one plans for the headache and hassle of home repairs, having a plan in place to deal with an emergency repair is a smart move. You'll know that you're ready for unexpected covered repair costs – costs that can easily make a dent in your wallet.

How much does it cost?

The cost of a home warranty plan varies, but you can visit us at homeserve.com to review affordable quotes for the plans that are available in your area. Plans start as low as $7.99 a month.

Nowadays we are using our home systems and appliances possibly more than ever. And while surprise repairs are a normal part of homeownership, you can't always foresee them happening. That's why being prepared with a home warranty plan from HomeServe will help you to not be caught off guard. Sign up for a home warranty plan today.

These last few months have been crazy, with a lot of things still uncertain.

People have been looking for new ways to make their stay at home experience better and cut down on unnecessary costs.

If you're anything like us, the last few months you've been spending way too much time and money at the grocery store. Too many frozen unhealthy meals and snacks! And, when we do find actual fresh produce, figuring out what to cook with it can be challenging. The last thing we want to do is spend money on produce that will go to waste.

Our editors are always on the hunt for anything that will save money and make people's lives a little easier, and one thing there has been a lot of buzz around over the last few months is meal kits.

Trying a meal kit service that delivers ingredients and recipes to your doorstep sounded like the perfect solution, and with so many out there, we decided to find the best. After trying the main contenders, our verdict was HelloFresh. They deliver pre-portioned ingredients so you can easily cook delicious meals at home.

To our surprise, it's much more affordable than we thought.

Here are a few reasons why we're loving HelloFresh:

Skip the grocery store and save money

Not only is HelloFresh super convenient because it's delivered right to your doorstep, but it's a lot more affordable than the grocery store. They do this through their direct relationships with suppliers, cutting out the middlemen, so the price of ingredients isn't marked up. HelloFresh's direct relationships with these farmers also helps guarantee freshness. And when we start comparing takeout to HelloFresh--with takeout's delivery fees and tipping--there's no comparison that HelloFresh saves you money.

It's better for the environment

HelloFresh sends the exact amount of every ingredient you need, so you won't be left with large amounts of leftover. This will save you money and it means fewer greenhouse gases being produced.

HelloFresh is the first global carbon-neutral meal kit company, and they are committed to offsetting 100% of their direct CO₂ emissions. They cut down on their CO₂ emissions by cutting back on transport time and extra storage by ordering fresh produce directly from their regional suppliers. They're continuously innovating to find more sustainable packaging options.

Try a variety of cuisines without having to buy expensive ingredients

HelloFresh is a great way to sharpen your cooking skills at home and try new cuisines you might have been previously too intimidated to attempt. Every week there are over 20 recipes to choose from, from a variety of different cuisines including Thai, Italian, Mexican, and even American Craft Burgers.

HelloFresh sends you the exact amount of sauces and seasoning, so you won't be left with a jar of fig jam or teriyaki sauce you'll never use again.

With new recipes to choose from every week, you'll never get bored. Their top-rated recipes get inducted into their "Hall Of Fame," which means they're on a regular rotation. So if you fall in love with a recipe, you'll certainly be able to order it again!

Save time on cooking

The great thing about HelloFresh's recipes is that most of them take only 30 minutes or less to prepare. After a long day working from home or at an essential workplace, the last thing we want to do is spend hours on dinner, so we're loving this. All of the ingredients are pre-portioned, so there's minimal prep and chopping required.

Their detailed recipe cards show you step-by-step how to make all of the meals. If you want something quick, try a 20-minute recipe like Pulled Pork Fiesta Bowls. There are calorie smart options if you want something lighter, as well as Gourmet options like Maple Mustard Chicken Legs with Spiced Sweet Potato Mash & Nutty Green Beans--so good!

HelloFresh has not only reduced our trips to the grocery store but saved us time, money, and stress. We love how flexible their plans are too, so you're not stuck in a subscription that you can't get out of. You can tweak, pause, or cancel at any time.

Thanks to HelloFresh, cooking from home with HelloFresh has become the part of our day we look forward to the most.

HelloFresh is extending an exclusive offer to our readers! Follow this link to get $80 off including free shipping!