The news is in, your going to be a parent! This can be both exciting and a little scary. Scary because there is a lot of unknown, especially as a new parent you are overwhelmed with information. I wanted to write this article because I too was scared as a new parent. I didn’t have …
It might be easy to be hypnotized by the lifestyle of the rich. There are plenty media of them in lavish cars and living in large scale homes. Why it could be all too true if we admit to having those same dreams. Quite honestly, to see the words “Rich”, Famous and Wealth are like …
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 …
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 …
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. …
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 …
If you clicked to read this, you’re like me and others are looking for Free budgeting apps to manage money. With so many out there now, how do you make the decision to pick one? One thing to mention again is that they are free to use. Some might require a subscription for more perks, …
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 …
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, …
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 …
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. …
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 …
Have you ever consider if getting paid a salary might make you want to take that job? Any even if you are already on salary, do you feel like it’s easier to save money? If this is true we might have not even need to write about this. The truth of the matter is that …
When budgets are tight, I mean really tight! It almost seems impossible to save any kind of money. Just looking at your expenses and wondering “How can I possibly even have savings?”. I want you to look at your budget again, tell yourself “its possible!”. You are going to perform surgery on that budget right …
You might be wondering why I’ve decided to do this? Why did I decide to put my budget out there? I want everyone to realize that I’m in the same boat as you. I’m trying to get my finances together and I believe showing my reality will accomplish that. This way of putting myself on …
