Resources for Financial Success
Welcome to the Resources page at We All Need Money! As a 50-year-old dad of four who earned a computer science degree at 41 in Cape Town while running an IT support business, I’ve learned the hard way how to save, gain, and grow money. Whether you’re a busy parent, entrepreneur, or beginner in the US, UK, Canada, or Australia, these carefully selected tools and guides will help you take control of your finances. From budgeting apps to side hustle ideas, I’ve chosen resources that reflect my tech-savvy perspective and family-focused journey. Note: Some links may become affiliate links in the future, meaning I may earn a commission at no extra cost to you. I’ll update this page when that happens.
Budgeting Tools
Start managing your money with these budgeting tools, perfect for families and entrepreneurs. In Cape Town, I stretched a tight budget for my four kids—these tools can help US and UK users do the same.
- YNAB (You Need A Budget)
A powerful app for zero-based budgeting, ideal for tracking every dollar. I’d have used YNAB to manage school fees for my twins. Syncs with US banks like Chase: $14.99/month or $99/year, with a free 34-day trial. - Mint
A free app for US users, with auto-categorization and credit score tracking. Perfect for beginners, it’s like the expense alerts I needed in Cape Town. No cost, ad-supported. - PocketGuard
Shows “in my pocket” funds after bills, great for avoiding overspending. As a parent of four, I’d have loved this for family budgeting—free basic plan, plus $7.99 per month. - Goodbudget
Envelope budgeting for couples or families. In Cape Town, my family used envelopes—this app digitizes that, offering a free plan plus an $8/month option.
Guide: Best Budgeting Apps for Entrepreneurs and Parents (Tested by a Coder) – My tech-driven review, with tips from balancing my Cape Town IT business and family.
Side Hustle Platforms
Earn extra income with these platforms, ideal for tech-savvy parents or entrepreneurs. My Cape Town IT business started with small gigs—here’s how you can begin in the US or UK.
- Fiverr
Freelance marketplace for tech gigs, such as coding or IT support. I’d have used it in Cape Town for quick projects. Earn $50-$1,000 per month with skills like mine. - Upwork
Connects freelancers with US/UK clients for coding or consulting. Flexible for parents like me, juggling four kids. Start for free and earn $500-$5,000 per month. - Bluehost
Hosting to start a blog or online business, like weallneedmoney.com. I used similar tools for my Cape Town IT clients. Plans from $2.95/month.
Guide: 5 Side Hustles for Busy Parents from My Cape Town IT Days – Learn how I’d hustle today with these platforms.
Investing Apps
Grow your wealth with beginner-friendly apps, perfect for saving for your family’s future. I wished for these during my time in Cape Town—here’s what US users can use.
- Acorns
Round up purchases to invest spare change. Great for parents saving for kids’ college, like my twins. $3-$5/month, easy for US bank accounts. - Wealthfront
Robo-advisor for automated investing. As a coder, I love its algorithm. Ideal for US professionals building wealth. Free for the first $5,000.
Guide: Best Investment Apps for Beginners: Lessons from a Cape Town IT Entrepreneur—My Review with Insights from My IT Business.
Money-Saving Tools
Save on everyday expenses with these cashback and savings apps for US families. In Cape Town, I haggled for deals—these apps do it for you.
- Rakuten
Earn cashback on US online shopping (e.g., Amazon, Walmart). My twins could use it for college supplies, saving $50-$100 per year. Free to join. - Ibotta
Cashback on groceries and retail, perfect for large families like mine. Saved my family $50 in a month. Free app.
Guide: Best Cashback Apps to Save $100/Year for US Families—Tips from my Cape Town haggling experience.
Money Lessons for Kids
Teach your kids financial literacy with these tools, inspired by my Cape Town parenting. My 13-year-old son has learned about savings using similar apps.
- Greenlight
Debit card and app for kids, with parental controls. US-focused, great for teaching budgeting. $4.99/month.
Guide: How I Taught My Kids About Money While Studying in Cape Town—My Story of Raising Money-Smart Kids.
Free Guides and Downloads
Kickstart your financial journey with these free resources, designed for busy parents and entrepreneurs. I used similar strategies in Cape Town to recover from a $5,000 business loss.
- Free Budget Planner PDF: A simple spreadsheet to track income and expenses, inspired by my family budgeting in Cape Town. Sign up for our newsletter to download.
- Side Hustle Checklist: A 10-step guide to earn $500/month online, based on my Cape Town IT gigs. Available via newsletter signup.
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Why Trust These Resources?
I’m a 50-year-old dad of four from Uganda, with a computer science degree earned at 41 in Cape Town while running an IT support business for 23 years. After losing $5,000 in a business venture, I learned to rigorously test tools, such as code, to save and earn money. These resources are selected for users in the US, UK, and Canada, ensuring they’re practical and effective for your financial goals.
Questions about a tool? Contact me at [info@weallneedmoney.com] or visit our Contact Page.
Disclaimer: Some links may become affiliate links in the future, helping support We All Need Money at no extra cost to you. Always review the terms of third-party services before signing up.