Best non-U.S. personal finance sites?
People are the same all around the world. Everyone struggles with the same things — including money. Because of this, financial advice from one country is generally applicable to other countries, as well. Sort of.
While general advice is easy to transfer from one culture to another, the specifics are often lost in translation. In the U.S., we have a Roth IRA. But in Canada, they have an RRSP. And in the U.K.? Well, I’m not sure.
Nicola lives in the U.K., and she recently wrote to express her frustration, and to ask for advice. She says:
I need some kind of finances tracker to figure out what is going on long term, so I went to check out Mint. It looks perfect for what I need, but is unfortunately US only. I’m in the UK and can’t find anything similar here that is well regarded. I was just wondering whether you have any idea of a simple, safe UK alternative that I could try?
The sites I list below are primarily personal finance blogs. I’d love to hear about other personal finance sites from around the world, whether blog or not.
United Kingdom (and Ireland)
- Lovemoney — This site seems to be a comprehensive personal finance resource for folks in the U.K. Lovemoney has sections for sharing knowledge (with how-to guides, videos, blogs, and forums), comparing financial products (such as savings accounts and credit cards), and tracking spending. I can’t be sure, but that last link looks like it leads to a piece of software that Lovemoney has designed. If you’re in the U.K., check this place out and let me know what you think.
- Monevator — “Monevator is a personal blog about money: making, saving, growing, and sometimes even spending it. It’s all written by me, a UK-based private investor and spare room entrepreneur, for people like me, wherever you are in the world. It aims to inspire, not tell you exactly what to do in your life.”
- Notes From the Frugal Trenches — “When desperate times call for desperate measures – British woman in her 20’s who used to love handbags, shoes, days spend @ the shops & nights @ restaurants and bars – instead now I’m on a journey in eco, frugal living while living in London and somehow getting in control of my finances instead of letting them control me; it’s about time!” This blog makes me long to return to England.
- This is Money — A sort of U.K.-based MSN Money. “This is Money’s simple aim is to help you save money and make money in all aspects of your life. We do this through our award-winning news and advice-packed features which can help you fight back against profit-hungry financial companies.”
- Rob Thomas Blog — A U.K.-based property blog. “If my blog stimulates you to action, makes you a more savvy investor, opens up ideas for new approaches I will have achieved my goal.”
- Moneywise — I picked up a copy of Moneywise at Victoria Station &mash; I thought it was great. This magazine (and website) offer a great balance of information for people at all levels of money management.
- You and Your Money — This is the official website for an Irish money magazine. I think this is a great choice if you’re looking for Irish personal finance advice.
- Money Saving Expert — “The aim is to help you save money on anything and everything by finding the best deals and beating the system…UK’s most popular independent money site with over two million visits per month.”
- Simple Savings UK — Recommended by a GRS reader. Most (all?) of the content is “for-pay”, but it looks like there’s a lot here.
- Moneywell.co.uk — more personal finance advice from a U.K. perspective.
Europe
- Kontoblick — This appears to be a web-based personal finance tool for Germans. Or Swiss. It allows you to view your accounts at various banks (including cash and credit cards), manage your finances, and keep track of your spending.
- Der Weg zur finanziellen Unabhängigkeit — A German blog about striving for financial independence and living simply. (I think.)
- Come Diventare Ricco — “How to Get Rich” is an Italian blog written by Giovanni, who says: “Come diventarericco is an Italian blog about personal finance topics like budgeting, savings, debts repaying, alternative income.”
- Plus Riches — A French money blog, and a good one from the looks of it. I can’t actually read French (despite my best efforts to learn), so I’m going of the look and feel of the place.
- Espirit Riche — “Changez votre point de vue sur largent.” In English: “Change your point of view on money.” This blog recently reviewed a book I’m reading now: The Magic of Thinking Big. Unfortunately, I cannot read the review, and the free translation sites aren’t really useful for big articles like this.
- Banche, risparmio, investimenti & trading — An Italian personal finance blog! I love the free translation of the blog’s about line: “Opinions, you comment on and reflections on economy and finances, confront and tables of synthesis of the offers of the banks and of the online accounts of depot, discussions on the investments for the small savers.” Right. Enjoy!
- A fin de mes — A Spanish money blog. “A Fin de mes es un blog sobre economê familiar, donde ofrecemos trucos, guês y recursos para ahorrar mes a mes. También hablamos de buenas ofertas que podemos encontrar para que nuestras compras salgan más económicas.” Or: “A fin de mes is a blog about family economy, where we offer tricks, guides, and resources to save from month-to-month. We also discuss good deals so that we can make more economic purchases.”
- Finanzas — Another personal finance blog from Spain.
- Milionarul Mioritic — In 2007, Luca shared his Romanian personal finance blog, which he says is about learning to make money. It seems to be still going strong.
- El Blog Salmón — “El Blog Salmón es un weblog colectivo dedicado a la economê, las finanzas y el mundo de la empresa, sin olvidar la economê doméstica.” Or, according to Free Translation: “The Blog Salmon is a collective weblog dedicated to the economy, the finances and the world of the business, without forgetting the home economics.” I thought this site was from Latin America, but a reader corrected me last time — it’s from Spain!
Canada
- Gail Vaz-Oxlade — Personal finance guru Gail Vaz-Oxlade doesn’t just write books and host a TV show about getting out of debt. She also has a website, which features a blog, a collection of older articles, a handful of financial resources, and more.
- MapleMoney — Formerly known as Canadian Finance Blog, Tom Drake’s excellent site has been around for years now. Tom is a financial analyst and well-known blogger, and MapleMoney contains sections devoted to Canadian credit cards and discount brokerages.
- The Canadian Personal Finance Blog — This comes highly recommended by a GRS reader: “The advice from [this blog] helped me to negotiate no-fee banking with the large, national bank where I have my account. This is surprisingly rare in Canada. In fact, before I read about it there I didn’t even know it was possible, so I’m grateful for his help in saving me about $120 per year in bank fees.”
- Retire Happy — Named Canada’s best personal finance blog by the Globe and Mail, Jim Yih focused on retirement topics like the Canada Pension Plan and Registered Retirement Income Fund.
- Canadian Dream: Free at 45 — “Saving to retire by the age of 45. I started this blog because I thought the world could use a bit more coverage on retirement planning than it normally gets in the media.”
- Million Dollar Journey — “I hope to grow my net worth to at least $1 million by the time I’m 35. Is the goal too high? Am I naive? I don’t think so but only time will tell and this blog will be here to keep track along the way.”
- A Dawn Journal — “A blog on personal finance, investing, entrepreneurship, and more.”
- Canadian Financial DIY — “Personal experiences, analysis and assessments of a mid-50s Canadian. I take a do-it-yourself approach, covering taxes, investing, ETFs, portfolio and asset allocation, insurance, annuities and related book reviews in Canada and the UK.”
- Michael James on Money — This blog bills itself as “an amateur’s clear explanations of personal finance and investing.”
- The Dividend Guy Blog — “One guy’s journey to passive income through dividend investing.” I’ve been reading this blog a little lately — I’m fascinated by dividends, and am weighing them vs. index funds.
Australia/New Zealand
- Understanding Money — Understanding Money is a financial literacy site from the Australian government. It includes budget-planning templates and more.
- Super Guide — This site offers “simple, independent superannuation information” from Trish Power, author of Superannuation for Dummies.
- Sorted — This is a New Zealand government-sponsored site about saving, budgeting, and other finance topics. Great stuff.
- Simple Savings Australia — Recommended by a GRS reader. Most (all?) of the content is “for-pay”, but it looks like there’s a lot here.
- Money Minded — “MoneyMinded consists of two adult financial education programs developed to help people build their financial skills, knowledge and confidence. The development of the MoneyMinded programs was initiated and funded by ANZ with contributions from community sector and education experts, including the Australian Financial Counseling and Credit Reform Association.”
- Enough Wealth — “How much is wealth is enough? How do you get it and keep it? How can you pass it on to future generations? An Aussie’s thoughts on all these topics and more.”
- My Journey to Eliminate Debt — “My goal is to pay my $152,377 mortgage in 5 years: 30th June 2012. I started this blog to stay motivated and I would love to hear from other pf bloggers out there!”
- Good Returns — A finance blog out of New Zealand.
Asia
- Kraynov.com — The Cyrillic alphabet is like Greek to me (ha! that’s funny), but Max Kraynov claims his Russian-language blog “is probably the most popular Russian-speaking blog about personal finance and life in uneasy times.”
- Financial & Legal Matters — This blog offers a mixture of financial, insurance, and legal-related tips and advice. It’s written from an Asian (Malaysian) perspective. Dormant?
- Wonder, Wealth & Wisdom — A Malaysian blog that focuses on three topics: developing purpose, building wealth, and striving for personal development. Dormant?
- MoneyLIFE — Published in India, but written in English, MoneyLIFE is “is a fortnightly magazine with unique features and powerful pedigree. It empowers the individual to invest and spend wisely by offering hard facts, insightful opinions, wider options, useful tips from the world of money.”
- Personal Finance 201 — “Welcome to India’s first online weekly on personal finance. The purpose of this site is to increase our Financial IQ. This site aims at organizing information on personal finance.” This site started as a blog, but the folks behind it are now developing some personal finance software called Rupee Manager.
- GalaTime — GalaTime is a little more specialized than most pfblogs I link to. It’s specifically about Indian capital markets.
- Moneylando.com — This site is written in Chinese. (It may be based out of Taiwan.) I have no idea the nature of its content, but somebody e-mailed it to me when I asked for foreign-language personal finance sites.
Latin America
- Dinheirama — Dinheirama is one of the biggest personal finance blogs in Brazil. Here, “authors debate local economics, finance, types of investment and personal finance.”
- Ahorro diario — “Ahorrodiario es un weblog colectivo dedicado al ahorro: compras y hábitos inteligentes para gastar menos y sacarle más partido a nuestros recursos.” Which, in J.D.’s translation, means roughly: “Savings Diary is a group weblog dedicated to savings: shopping and smart habits for spending less and removing the things that part us from our resources.”
- Dinero.com — Based in Colombia, this is a companion site to a Spanish-language personal finance magazine.
While compiling this list, I also stumbled across Gumtree, which is like craigslist for the rest of the world. Finally, for Americans serving in the armed forces, Money for Military is a daily blog about personal finance, investing, taxes, etc. as they apply to military members.” Except that it seems to be dormant now.
As usual, if you have a favorite non-U.S. personal finance site, please let us know in the comments. (I still haven’t found any African personal finance websites.)
Note: PT Money has put together a fun world map of personal finance bloggers. When I have time, I’ll compare the list of bloggers there to the one here to be sure I have everyone.
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There are 54 comments to "Best non-U.S. personal finance sites?".
For Canada I like The Canadian Couch Potato, which is also part of the Money Sense website. He focuses on index investing, and sometimes it can get a bit technical, but I’ve found it useful in terms of deciding what ETFs to buy. Also Gail Vaz-Oxlade’s blog is good. I’ve also been thinking about enrolling in some DRIPs (dividend re-investement program) and so the Canadian Drip Primer is a fantastic site on how to get started in that from a Canadian perspective.
In terms of finance tracking software, I’ve been thinking about trying Koku, which is only for Mac. http://www.fadingred.com/koku/
I wonder if anyone has tried this. I think you can link it directly to your accounts if you are in the States, but you can also import Quicken files from your bank. I haven’t tried Mint because I don’t like to idea of providing my bank passwords, and I thought this might be a good alternative.
In the UK Money Dashboard is very new (just coming out of beta) but the most Mint-like product available. It requires Silverlight (or something like that) installed on your browser, but it will connect with most UK banks to pull through balances and transactions, and let you tag those transactions.
You can then budget specific amounts for each tag or category of tags, and compare planned versus actual spend and see live balances.
It’s web only at the moment, no iphone or android apps yet.
http://www.moneydashboard.com/
Ah, Meghan beat me to it! I was going to mention Gail’s blog as well. Otherwise, the list for Canada is great 🙂
Thanks for tackling this, J.D.! I enjoy reading U.S. sites, but sometime they just don’t have the right information.
Mint is now available in Canada. I’ve been using it for the past month or so, and it’s really good. It’s still missing a lot of credit cards and a lot of options to categorize bank accounts.
For example, I have all of my bank accounts with one bank, this includes a TFSA (tax free savings account: i don’t pay income tax on the interest earned)A TFSA is usually considered an investment account, as only $5000 can be deposited annually, and we are subject to a penalty if we go over.
I don’t have the option to change my TFSA from a regular account to an investment account. I contacted Mint a few times asking them if they could do that. They said the only thing they could do was change it from Investment to a regular account, not the way I wanted them to do it.
I just found it somewhat odd.
They also don’t have a lot of credit cards, especially if it is from a credit union.
Thanks a lot for doing this list!
Mike
Hi JD,
I wrote about personal finance topic since 2006 Dec.
My articles are mostly for Malaysian readers.
I hope you can include my blog in your list here.
Thanks
I’m with Meghan and Elizabeth in recommending Gail Vaz-Oxlade’s website. I was surprised it wasn’t in the main article since she has contributed posts to GRS.
This is a great idea for a post. I’m bookmarking it now.
`
These days all the personal finance blogs seem to be repeating the same things over and over offering nothing fresh and exciting.
Some time ago I used to read 5 PF blogs everyday. But then realized that most of them were just repeating themselves and I was not learning anything new from them at all. So now I narrowed them to just 2. I just have a philosophy that when some thing better comes along, something I read now should be out.
That keeps things simple.
Thanks for th emention! Wow, I am honoured to be in such a list.
Gail’s blog is spectacular- a combination of lifestyle posts and back-to-basics primers on Canadian investment tools.
A nice moneytracking website usable in the Netherlands is http://www.yunoo.nl/
It comes in a free version that let’s you track all the money you spent, gives some basic charts and info. There is also a paid version, with more features. I use the free version and it works great.
Thanks for this! Can’t find much for my little part of the world though 🙂 But that’s ok, GRS is more than enough!
I can’t use a Mint.com type of site either since everything here is mostly cash.
I have been starting to ask into retirement savings. There are some options available, but it sounds like it’s commission-based for the companies so I’ll have to be careful.
In The Netherlands you’ve got a Mint.com like website called http//www.yunoo.nl (not sure what that means ) which won first prize in the Website of the Year competition last year.
Hey JD,
If you ever want a blog etnry or article translated from the French, just drop me a line by email – I’m happy to run you a translation. (Call it my way of giving back. . .).
I also wasn’t impressed by Esprit Riche. . .it seems to be mostly a vehicle for promoting a book which he bills as a combination translation of ‘The Millionaire Next Door’ and the site ‘I will teach you to be rich’. Now it’s just my personal opinion, but I’m not sure that anyone who advocates a guy who thinks some people are lost causes for financial management (Mr. I will teach you to be rich) exactly fits with the ethos of your site. . .
Thanks for mentioning us J.D!
“the U.S., we have a Roth IRA. But in Canada, they have an RRSP.”
JD – Just FYI, a Roth is equivalent to the Canadian TFSA (Tax Free Savings Account). We can put in $5000 a year of after tax dollars and any income from those accounts are never taxed. Similar to a Roth.
An RRSP (Registered Retirement Savings Plan) is like an IRA..we get a tax credit for contributing to it and it grows tax free but we are taxed on withdrawal.
Sqawkfox from Vancouver recently won the best PF blog in Canada from the Globe and Mail. Odd you didn’t mention her excellent blog!
I believe a Roth IRA in the UK would be called an ISA. You can add up to £5,100 per year, and it’s guaranteed tax free. These £’s must be net of tax, if I recall correctly.
Thanks for the Canadian links – really appreciate it as a complement to what I learn on this site.
Adam is not correct re: TFSA vs Roth.
Althought the terms of taxation are similar, the Canadian TFSA is not *equivalent* to the US Roth IRA. The TFSA is much more flexible. TFSA funds may be used for pretty much anything and almost any time. Roth accounts (IRA and 401K) are strictly retirement accounts. Savings and earnings cannot be withdrawn without penalties until retirement age.
FYI JD: In Canada our Roth IRA equivalent is called a TFSA (Tax-Free Savings Account). The RRSP (Registered Retirement Savings Plan) is the equivalent to your 401k.
Cheers!
This is timely – I have been searching for sites here in Australia that my 19yo son would be willing to read, and your list will be good reference points. I have also found the Barefoot investor, which looks like it might be good, http://www.barefootinvestor.com/
but I haven’t got deeply into it yet.
Cheers
Elaine in Canberra
Thanks for these links, but after having a look at the two German entries I have to say the (somewhat sad) true seems to be there is no financial blog/site over here in Germany that is worth reading.
That is why I came across GRS about four years ago and have been subscribed ever since, even though not everything that might work in the U.S. might work the same in Germany. But then, like you wrote, the core principles are the same, regardless if you’re dealing with dollars, pounds, rupees or euros.
WoW! I am impressed… its not very often that I see mentions of outside US websites in pf blogs. Let alone outside Europe, Australia and North America.
I have a Latino heritage, so I am further impressed. Kudos for thinking globally… very few do!
Now, as for your Dinero.com pick. I must say that your are off. Dinero is a business and finance magazine in Colombia with a very limited personal finance section (probably 2 or 3 pages at most in each publication.) Sadly, there is nothing even comparable in Latin America to the other websites mentioned in the pots (that I am aware off). But, there is not a huge market for it either 😉
Hi JD thanks for the links. What i realise is that there is alot of frustration reading US based sites like get rich slowly because there are tons of great articles but their context really differs locally.
This post is great because it aggregates for the readers pertaining to their local finance context.
I personally run http://www.investmentmoats.com which is a Singapore (Asia) based money blog focusing on making sense of money problems daily and growing a passive dividend income.
Even some of the visitors comment that it does not work for them because they are from india and Us!
J.D. you have many more than my map shows. But I’ve only been adding them in as the report to me. Your post will do a lot to even things out as I’m already starting to receive submissions from these guys and gals. Thanks.
JD,
Mint.com works for Canadians now, they introduced it may be a couple of months ago. Yodlee works with a lot of Australian and UK banks too.
Some other site are [Disclaimer : I have not personally used any of these :)]
http://www.moneydashboard.com/
https://www.whostolemymoney.co.uk/
If you have an account with egg bank, there is egg money manager
http://new.egg.com/eggmoneymanager?refer=EMMQL&version=EGHP
http://www.anz.com/ANZ-MoneyManager/ (Australia, but it is built upon Yodlee)
If you don’t mind uploading your transactions (some users don’t like to give username/pswds anyway with mint) then there are a lot more options like http://www.buxfer.com/, http://www.moneytrackin.com/ etc.
One thing I noticed… ahorrodiario means “Daily Saving,” not savings dairy.
Thanks for putting together this list! Lots of great info.
I have been trying out Perfios.com in India… its a pretty basic web based tool that has allowed me to consolidate my holdings across various bank accounts, brokerage accounts and insurance policies. I would rate it as amongst the very few and good financial tools available for us here in India at this point. It has a long way to go before it compares with Mint, but it is better than nothing.
Love this post, kind of acknowledges how widespread the readership of GetRichSlowly really is !
Thanks for the mention. I run another Canadian personal finance blog http://www.canadapersonalfinancewebsite.com Cheers.
@ Nicola -there isn’t a Mint alternative in the UK…..unfortunately. I’ve always wanted something like that myself and in the end created my own excel sheet.
@JD some great UK sites although Frugal Trenches now lives in Canada 🙂
Also for the UK: http://www.pennygolightly.com/
http://www.miss-thrifty.co.uk/
Thanks so much for posting this! It’s super helpful.
A couple of Swedish blogs:
http://onsdagsfonden.wordpress.com/
http://40procent20ar.blogspot.com/
http://cornucopia.cornubot.se/
just use http://translate.google.com to translate to english!
J.D.,
thanks for listing my blog 🙂
yes, I am still “on the barricades”. last year a I have published e personal finance and investment book, “Get Out Of The Maze” and this year I am working on two books, one about paying your debt and the other one about paying less taxes, using legal strategies 😉
I also have a site about automated Forex Trading and a non-for-profit project for teenagers (An Advantage From the Start), which includes personal finance education 😉
all the sites are in Romanian.
thanks again and all the best for you 🙂
Luca Dezmir
You mean to tell me that there is nothing on the African continent that deserves a mention…
I have to agree with SG from Germany (comment # 22) – the German sites did not impress me. That’s why I keep coming back to GRS 🙂
Hey JD,
Thanks for the mention 🙂
I recently adapted Ramit Sethi’s book for the french market http://esprit-riche.com/devenezriche. That was awesome !
Michael
Hi JD!
Thanks a lot for mentioning us. Just a little point: Ahorro Diario is from Spain, as El Blog Salmón. Both belong to the same company. You might like Actibva, which is a personal finance site and belongs to BBVA.
J.D.,
Many thanks for including Monevator in your list. I do humbly submit that we’re filling a niche here in the UK (I have been lucky enough to have a co-blogger for the past few months, after 3.5 years solo! He covers passive investing topics mainly) and it’s always lovely to appear in lists like this.
I’m afraid I haven’t found a Mint equivalent in the UK. I don’t believe there is one, currently.
LoveMoney is a personal finance focused spin-off from The Motley Fool UK, which is itself a sister of the Motley Fool US.
I’m not sure exactly how a Roth IRA works, but from what I understand our ISAs are similar but more flexible. You pay taxed income in, but growth / income within the ISA is not taxed. There’s no tax when money is withdrawn, either.
The ISA itself is really a wrapper. You can put £10,200 in this year, with a maximum of £5,100 into cash, and £0-10,200 into Stock and Shares (funds, equities etc).
ISAs are different I think to Roths in that you can withdraw ISA money whenever you like — it’s not for retirement only. Once withdrawn, however, money cannot be put back in.
Anyway, cheers again for including Monevator!
best
The list of Canadian PF blogs is awesome!
Also, it’s nice to see so many ppl from Canada in the comments. I, too, am in Canada and GRS is about the only PF blog I read/have time for, but I will definitely check out the others.
My friend has signed up for Mint and says it’s great, but I just can’t get over giving my passwords to them — and I’m in the IT industry. They’ve had a few issues in the US with security which leaves me weary.
Thanks a lot. This list is what I’ve been looking for.
Belgian personal finance and investing site (in English):
http://moneymasters.eu/
Belgian site about savings accounts, with a forum where you can get personal finance tips:
http://www.spaargids.be (in Dutch)
http://www.guide-epargne.be (in French)
Just a note about moneylando.com:
The site is based in Taiwan. Main topics include Taiwanese bank ratings, financial news, insurance, credit cards, savings, and loans.
Here are a couple from Finland in Finnish. Google Translate will give you a pretty good picture.
http://www.tarkkamarkka.com/blogi My own personal finance blog that got 300 000 visitors last year. My ideology is one of frugality and low-risk investing through index funds. You will not find me talking about any sexy investment opportunities here.
http://www.saituri.org Another Finnish money-saving blog. This year Saituri has a challenge for the readers to save one million euros total. Very motivating reading.
http://www.taloudellinenriippumattomuus.com/ A famous Finnish blog about financial independence. The focus of this one is on investing.
I live in the UK and use a product called YNAB (You Need a Budget)
It is a US Based product but works 100% here in the UK including importing your bank transactions. They also have a iPhone app and an android version in the pipeline. I have been using it for a couple of years now, it has been a financial game changer for me.
Hi JD & all,
for France I can give you a quick follow up:
Esprit riche: been reading this for about a year now. Interesting mostly. A high focus on building your own business.
Plus riche: looks really good but haven’t yet had time to read any of it. Will add it to my “to read” list.
Here’s another great Canadian site http://www.wakeupordiepoor.com I have been using their expense tracking system (can’t get over the security issues with Mint either) so I pay $12/month. But it’s worth it – their support is fabulous. I asked them to send me manual excel sheets as well and they responded with a whole loan/mortgage/tracking workbook the same day for free.
Here is another great non-US personal finance management site https://www.inexfinance.com/ that can be used worldwide, since it supports expense tracking and budget planning in multiple currencies. And there is no monthly fee.
For Germany you should add “Meine Million und ich” = “My million and I”.
http://www.mmui.de
This is the most important German pfblog (since 2008).
Great stuff there, many thanks. Hope you have a great wknd
All you need is watching the price action, know support & resistance zones, and how to draw trend lines.
I blog at The Thrifty Magpies Nest and talk about my saving plan, my monthly budget and saving tips
Jenni x
Great resource!
I run (I think) the only English-language personal finance site in Japan. We provide information about local rules and regulations (Japan has a J401k and a NISA account) and have a small and active community that likes answering questions.
I blog a couple of times a week about frugality, saving, and diversified investing.
If I may add one German financial blog: http://www.handelszeit.com
This guy concentrates on trading with options and stock investments. But this site is completely in German language, so maybe it would be useless for someone here. But who knows.
Here is also a Belgian financial blog: https://www.bankshopper.be/nl/