How To Use The Half Payment Method

Dreading the next paycheck, knowing you have already mentally overspent it on bills?Dreaming of looking at your savings account fully funded? It seems so impossible but trying different ways of managing your money will help. The first thing is budgeting, and this is a must. Ugh, budgeting, I know! Paper, pen, and numbers, how boring! …

The Best Way to Pay your Bills on Time Every Month

The Best Way to Pay your Bills on Time Every Month

Bills, Bills, Bills So you got a ton of bills? Nowadays, who doesn’t!  With every subscription comes a sacrifice. Poor wallet, your diet is looking pretty slim And there are those bills you need to live on like, a mortgage, utilities. The necessary bills, pretty much everything ending in the word “insurance”. Let’s not forget …

How to use the 50/30/20 rule in your budget

What is the 50/30/20 budgeting rule of thumb anyway? And more importantly, How can I try this right now?! The 50/30/20 budgeting technique is one of many giving you an outline to divide up your expenses by percentages. I’ve also discussed my personal method of budgeting (30/30/25/15) which is similar as it is percent based …

How to use the Zero-based budgeting method

When you think of the words zero-based what is most noticeable mention is the word “zero”. Thinking of something being zero in the mind of a saver can create that big question mark above your head. “Is this the best way to manage my money?” First, you would need to understand what is zero-based budgeting …

How to prepare your Budget and stay consistent

Prepping yourself for a budgeting strategy is more than grabbing a piece of paper and writing down your expenses. Budgeting can become more than just a tool that we can use it as a future forecast. The result of prepping your budget gives is like a wealth checkup, a personal reflection of your money habits. …

How much should you REALLY be saving every month?

I’ll give you the straight answer for this and its simply at least 20% of your income. Now, why should you continue to read this? Gotta another answer for ya!: “There is the knowledge of what to do and then there’s the doing”. Most of the time we already know the answer but we need …

Purchases to avoid when you are on a tight budget

We are discussing what purchases to avoid when you are on a tight budget. I’m going to list just a few of them. There are a ton of purchases you can avoid but these made my list solely because I’ve purchased all of them. The best teachers give lessons from experience. I’ve chosen to teach …

Breaking down the Budgeting Basics “What exactly is a Budget?”

In this post, we are starting from the beginning, way way in the beginning. I wanted to go over the basics of a budget and define some terminologies. Let’s start with our main topic “The Budget “ What exactly is a budget? According to Wikipedia, a Budget is a financial plan for a defined period, …

5 Ways to save money without even thinking

Can you really save money without thinking? I mean really not have a day where you are checking your bank account seeing what’s left. The truth is not really, I can’t lie and say you will never look at your bank account. What I can tell you it that you can have at least one …

How to start a Saving Money Challenge and commit (second part)

The No-Spend Challenge I know it might be scary to think about not spending a dime, but that’s why we prepare. Do all of your shopping and pay all of your bills in advance. If paying your bills in advance is not an option to schedule them automatically or on a calendar to keep track. …

How to start a Saving Money Challenge and commit

When you see a money challenge post what do you think of? Something exciting and motivating? I know I feel great starting a challenge especially at the beginning of the year. The let down as most resolutions is the lack of commitment. Everything might be easier in the beginning but soon you realize it takes …