Every Thanksgiving, my family sits down and thinks about what we’re thankful for. Instead of sharing a traditional list of things we’re thankful for, this year I thought an interesting twist would be thinking of personal finance products and services that people should be thankful for.

Some of these services didn’t exist just a few years ago. Others have been around for quite a while but have improved over time.

Here are some of the best personal finance products and services people may be thankful for and why you should check them out if you’re not already using them.

High-yield savings accounts

Personal Finance Products To Be Thankful For - High-Yield Savings Accounts

Personal Finance Products To Be Thankful For - High-Yield Savings Accounts

High-yield savings accounts give you the opportunity to actually earn interest on the money you have in the bank.

Here are our personal favorites:

CIT Bank

CIT Bank currently offers the CIT Savings Builder – a unique savings account that offers APY  if you make a $100 deposit every month. This is a great incentive to start saving a little bit of money each month.

Alternatively, if you can keep a balance of $25,000 or more in the account, you’ll automatically qualify for the higher interest rate.

Discover Online Savings

Discover Online Savings is always one of the top high-yield savings accounts to consider. They usually offer some of the best interest rates around.

They focus on offering a great product without playing any games. They don’t charge monthly fees and they compound interest daily, and their customer service is award-winning.

Spare change investing apps

Personal Finance Products To Be Thankful For - Spare Change Investing

Personal Finance Products To Be Thankful For - Spare Change Investing

Spare change investing apps are a great way to start investing for the first time since you don’t have to have a lot of money to get started.

While you may not want to stick with these investing apps long-term due to their cost, getting started is half the battle. Once you’re comfortable investing you can move on to better platforms.

Acorns

Acorns literally allows you to invest your spare change. Acorns invests your spare change in smart portfolios constructed with the help from a Nobel Prize winning economist.

Link your credit or debit card to the app. Then, it will round your purchases up to the nearest dollar and invest the “spare change” from each purchase.

Stash

Stash doesn’t technically allow you to invest your spare change, but it does allow you to make investment purchases starting at just 1 cent.

Rather than invest in predetermined portfolios, Stash lets you pick what you want to invest in based on a questionnaire.

They allow you to invest in both ETFs and fractional shares of stock with approximately 1800 options – making them perfect for younger investors.

Robo-advisors

Personal Finance Products To Be Thankful For - Robo-Advisors

Personal Finance Products To Be Thankful For - Robo-Advisors

If you’re not worried about finding money to invest, you can skip the micro-investing services and move on to robo-advisors.

Robo-advisors help you decide how to invest and perform maintenance tasks like rebalancing your portfolio. This way, you can focus on putting money into your investments rather than worrying about if you’re properly maintaining your portfolio.

Betterment

Betterment is one of the more well-known robo-advisors out there. They currently charge a 0.25% annual fee in addition to any fees you may have to pay to the underlying investments.

Betterment offers tax-efficient investing using asset allocation and tax loss harvesting.

Ally Invest

Ally Invest Managed Portfolios recommends and manages a portfolio based on your goals, time horizon and risk tolerance.

But the best thing about Ally is that they are one of the only managed portfolios that’s completely free of fees! Yes, all fees. All you need is a $100 minimum to invest.

Tax software

Personal Finance Products To Be Thankful - Tax Software

Personal Finance Products To Be Thankful - Tax Software

Paying taxes is never fun, but I’m super thankful for tax software and you should be too. Manually filling out tax forms can take forever, especially if you don’t do it for a living like I used to.

Here are a couple of tax software programs you may want to consider.

TurboTax

TurboTax is one of the most recognizable tax software names out there. They can help you file pretty much any type of income tax return.

Even if you have a complicated return, TurboTax can likely help. While their service is on the expensive end, many other tax software programs don’t offer the same level of help and guidance that TurboTax offers.

TaxAct

If you have a complex tax return that you can’t complete for free, TaxAct is another tax preparation software you can use.

TaxAct typically has lower prices if you don’t want to pay the higher prices usually associated with TurboTax and the other bigger name software providers.

Rewards credit cards

Personal Finance Products To Be Thankful For - Rewards Credit Cards

Personal Finance Products To Be Thankful For - Rewards Credit Cards

I’m also super thankful for rewards credit cards. They help my family pay for our vacations every year.

All you have to do is put your spending on a credit card and pay the balance off in full each month. If you can handle that, you can earn credit card rewards to help pay for whatever you desire.

Here are a couple of my favorite rewards cards: