Full disclosure: they call me once in a while to offer to manage my money, but I sent the calls to voicemail - I’m managing my money myself these days! If you join with my referral link, we both get $20. I started using Personal Capital in late 2021 as an alternative to Mint, but with slightly different capabilities: for example, I love the investment checkup that indicates my portfolio is over-concentrated in certain sectors and lets me know which holdings have high expense ratios (read: they take a bigger cut of your money). It syncs with all my credit cards and bank accounts. I’ve used Mint for almost 10 years to budget, categorize my spending, and track trends. »If you want to sign up for the Chase Sapphire Preferred credit card, use my referral link to make my day - I get bonus points! Budget tracking As someone who’s had more than 20 credit cards in her lifetime… this one has the richest awards yet! The annual fee is $95 a year and it more than pays for itself! The Chase Sapphire Preferred card has no foreign transaction fees and has a truly exhausting list of other travel and dining benefits. There are other cards that do this, but I opted for Fidelity’s no-fee ATM card because I already have existing retirement and brokerage accounts with Fidelity. The Fidelity Cash Card refunds your ATM fees around the world. Since you guys often ask me, “What do you use for _?”… here you go! Favorite ATM card Over the last few years, through much research, trial, and error, I’ve found my must-have apps and favorite things for nomads and frequent travelers/expats. Hi, I’m Julie! I’m a full-time solo nomad international traveler turned semi-retired expat (that’s a mouthful!).
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