Categotry Archives: Budgeting

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

The Best Budget Planners for 2018

BUDGET – a five letter word that we all need in our financial lives.  Yes, we know that Budgeting is the number one key to financial freedom.  However, it has earned a reputation for being tedious, challenging and time consuming, which can be discouraging for others. Well, it doesn’t have to be.  With the right budgeting tool, money management becomes more effective, efficient and enjoyable. There’s a variety of budgeting tools to choose from – smartphone applications, Excel Read more […]

The Best Coupon Sites to Save you Money

Couponing is one of the many ways to save on shopping, whether you’re buying groceries, clothing items, electronics, luxury brands, services, and so much more. Now that the holiday shopping season is already here, it’s time to put those couponing skills to good use.  But for those who have zero idea on where to get them, you can get coupons from a variety of sources – magazines, newspapers, online, a product’s packaging, etc.  But aint nobody got time for searching […]