While grocery costs can gnaw at your monthly budget, the meal prep takes a powerful strategy to reduce food costs even more. By planning and preparing in advance, I don’t need to think at the last minute about what to do with the food I have. I eat a lot of the same things, or […]
Meal Prep to Save Money: Cut $200/Month from Your Grocery Bill Read More »
Of all the important numbers in your financial life, your credit score has to be near the top. It governs not only your access to loans and credit cards but also your ability to obtain housing and, in some cases, jobs. Still, in my experience, or maybe better to say, in our experience, because many
Beginner’s Guide to Understanding Credit Scores and How to Fix Yours Fast Read More »
Achieving the goal of not working for money before 50 takes dedication, disciplined financial habits, and smart decision-making. Unfortunately, too many folks who think they’re on the path to early retirement actually slow their plans by engaging in certain behaviors. They don’t realize it, of course, because these habits are very common and seem harmless.
Budgeting is a foundation of personal finance, yet most budgets fail within the initial few months. Despite the best of intentions, many people can’t seem to stick to their budgets, and even those who achieve some form of compliance often report feelings of frustration and stress. I was one of the many who couldn’t seem
Why Most Budgets Fail — And the Flexible Budgeting System That Finally Worked for Me Read More »
Paying off 40,000 dollars in debt seems like an overwhelming task, especially when one resort to taking on extra work or labor cannot be contemplated or considered a viable, sustainable option. Whole we maintaining a pane of opportunities to earn more in exchange for our time, the principal component of our income is quite limited
How I Paid Off $40K in Debt Without a Side Hustle | Pay Off Debt Smarter Read More »
Money Habits Not just income levels but also daily financial habits affect how people fare financially. Many individuals maintain certain habits that are detrimental to their financial health. They might not even realize they are doing it. These are some of the money habits that keep people in a scarcity mindset and that could easily
10 Money Habits That Keep You Broke and How to Fix Them for Good Read More »
Effectively managing your money often requires more than just one bank account. Financially smart people use multiple bank accounts—and for very good reasons. Bank accounts can be used, as we shall see, to organize and make clear the several different aspects of your financial life. This is a life that has a past, a present,
7 Bank Accounts Financially Smart People Use to Master Their Money Read More »
It can be easy to feel that restricting a budget is overwhelming. Spreadsheets, long lists of categories, and crazy, ever-changing expenses can make a person’s financial picture look really scary. This is why the 50/30/20 rule really stands out as a simple, flexible, and effective way of managing finances. And when I first came across
The 50/30/20 Rule: Budgeting Made So Simple Even I Stuck With It Read More »
Accumulating $10,000 in only six months can feel overwhelming, with all the costs of regular life and the usual demands on one’s money. But with some research-backed strategies from behavioral finance, a bit of old-fashioned discipline, some necessary lifestyle changes, and a new way to think about income and expenses, it is possible. This article
How I Saved $10000 in 6 Months: Budgeting, Side Hustles & Smart Habits Read More »