Financial Planning in 2021: Are you ready to take the First Step?

Financial planning is building a roadmap of your financial future. Most people have an idea of what a financial plan is, however they might need help with the planning. If you want to save, for example, education and retirement, financial planning is where I would start. You might not feel confident about your finances but …

How to use the envelope system without cash

Try the cashless budgeting envelope technique! You can budget the cash envelope system without cash! Yes, you heard me, cashless. I wanted to dive into this method because not alot of people like to withdraw cash. There are many reasons why some people prefer not to draw out cash. One, not being able to get …

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! …

Sinking funds categories you MUST have in your Budget

Living Frugal tips from someone that hates spending money

So why do I hate spending money? Let me correct that I hate spending money that does not serve a purpose? Meaning wasting money is a No-No for me. Now don’t get me wrong, I’ve definitely wasted money especially if something is on SALE. I’m begging you, don’t let me go into that store, please! …

Secret tips to save money on your monthly bills

Secret tips to save money on your monthly bills

The routine every month is that you get paid, you budget, and then comes the paying the bills part. It’s hard to think that if you pay your bills every month that you can be wasting money. I mean, your being responsible right. The reality is that you could just be overpaying on your monthly …