“Pay Yourself First” to Save More Money

When it comes to formulating a budget, a line-item budgeting model is what we often see, where one focuses on the expenses rather than the savings. This type of budgeting style details a precise amount of money for different spending categories, and just end up saving whatever amount they have left before the month ends.  Unfortunately, not everyone is lucky enough to still have remaining money at the end of each month. If you are one of the “unlucky ones,” I guess it’s time to reevaluate Read more [...]

Organize Your Holiday Budget with these Mobile Apps

You might think that it’s a little too early to start setting up your Christmas budget but FYI, we’re only a little over a month till the 25th of December. Year after year, Santa’s sleigh becomes heavier and heavier, or should I say, more expensive. According to the National Retail Federation’s annual holiday forecast for 2018, consumers will be spending an average of $1,007.24 which is 4.1% more than last year’s $967.13.  So yeah, it just shows that Santa’s sleigh is indeed Read more [...]

6 Free Apps to Maximize Savings on Grocery Shopping

According to a report from the United States Department of Agriculture, the average four-person American household spends around $140 to $300 on groceries per week. If you are one of the families who spend more than the national average, here 6 apps that will help increase your savings on your weekly grocery shopping – from apps that offer cash back rewards and coupons, to apps that will find you the lowest prices and best deals. And the best part? They are all FREE! Some even offer sign-up Read more [...]

How a Money Journal Can Improve Your Finances

The practice of daily journaling has been proven to improve many aspects of a person’s life – from physical to spiritual health, quality of life and even finances. Keeping a “money journal” is not just a way to track your spending, but a very helpful practice to improve your relationship with money.  Because when you have a healthy and happy relationship with money, you are definitely bound to prosper. So how does a money journal really improve the quality of your financial life? It Read more [...]

How to Start Saving for the Holidays (in October)

With back to back Christmas parties, traveling, food, decor and gift shopping, the holidays surely bring you a long list of expenses. And without a holiday budget ready, you’ll be faced with a big amount of debt come January. If you are one of the many Americans who sink into holiday debt year after year, it’s time to make a change and start saving up this October. Here’s how to get started: Create your holiday gift list. One of the things that you can decide on as early as now, Read more [...]

How to Increase Your Savings this Fall

We are only a short time away from the holiday season, which means that you need to prepare yourself for some back-to-back spending. Fortunately, in the season between summer and winter is the time of the year when we can find numerous ways to save more money. Fall is such a beautiful time of the year and today, I will share with you how you can take advantage of this season to spend less and save more. Put your gym membership on hold. Okay, so the last few months of the year will surely Read more [...]

7 Helpful Ways to Curb Overspending

We’ve all been there before - making unnecessary purchases that we know are out of our budget. Going over budget from to time is quite inevitable but for some people, this happens every. single. month, which brings their finances into a downward spiral. Overspending is a serious problem.  If you find yourself in this situation, it’s time to make a conscious decision to change these bad spending habits before they destroy your life. Here are 7 ways to help you get through it: Set Read more [...]

How to Determine Which Debt to Pay First

Between credit card debt, car loans and student loans, deciding which one to pay off first can be a challenge. But you got to start somewhere, right? There are no strict rules when it comes to setting up a debt payment plan but there are certain strategies to help you save more money over time and get out of debt as quickly as possible. Today, let’s talk about the different debt payment strategies to consider depending on your goals. Paying off debt in order of interest rate. From a Read more [...]

How to Manage Your Subscriptions to Save Cash

Today, it seems like every type of business have subscription-based services. Aside from the staples such as Mobile phone service, Wi-Fi, home security, people these days have subscriptions to streaming entertainment, weekly meal plans, grocery deliveries, random subscription boxes, digital libraries, dating and photography apps, online storage and so much more.  Just imagine how much Americans spend on all of these? An article on USA Today, states that most Millennials spend at least $200 Read more [...]

5 Ways to Save On Your Kids’ School Lunches

The amount of money you spend on your kids’ lunches can easily add up if you’re not being smart and careful, especially if you are sending more than one child to school. I understand that some of you might just want to buy pre-packaged snacks or have your kids buy their lunch at school for convenience, but this can easily blow up your budget and let’s not forget that these types of meals aren’t really that healthy. Don’t worry, we can still do something about that.  With careful Read more [...]
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