Monthly Archives: November 2018

“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,” […]

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 […]

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 […]

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 […]