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
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From snacks to cooking essentials, razor blades to makeup, clothing apparel to children’s toys, you name it, you can subscribe to it.
The Subscription Box industry has taken the world by storm and if you haven’t heard about it yet, then where have you been?
The concept is relatively simple – you sign up for a subscription that will deliver a box containing curated products according to a theme of your choice, straight to your doorstep, every month for three or six months, or even
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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 through magazine
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A lot of you may want to start eating healthy but is hesitant to do so due to a tight budget. But who says cleaning up your diet means cleaning up your wallet too?
Eating healthy doesn’t have to be expensive. With these helpful strategies, you can maintain a healthy diet without breaking the bank.
1. Plan your meals.
Meal planning is the key to a healthy and thrifty diet. First, check your pantry and fridge to see what’s on hand to know what you already have before you create your
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In between traveling, back to back parties and shopping for gifts, the holiday season can get pretty overwhelming. Sadly, gift-giving can sometimes become time-consuming, financially stressful and can easily turn into an obligation, rather than being a heartfelt gesture.
Don’t let society pressure you into spending tons of money on lavish gifts because gift-giving doesn’t mean luxurious and expensive. It’s all about showing appreciation to the people who’ve touched your life.
At
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The BIGGEST shopping day is upon us and with tons of deals, special sale hours and door busters, it can get pretty overwhelming. Yes, even for the seasoned shoppers.
If you really want to make the most out of your shopping experience, you need to have a goal and a plan.
To help you plan for this much-awaited shopping day, follow these helpful strategies and increase your savings.
Get notified.
Get the first dibs on sales and special promotions by following your favorite retailers on
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I’m pretty sure you’re all aware that the key to financial freedom is having a budget system that works for you. Okay, so every month, you diligently make your budget using different spreadsheets, tools or smartphone apps. You’ve put in all your income, expenses, financial goals, etc. Yet, by the 30th or 31st, you still end up spending more than what you’ve planned for at the beginning of that month.
So what’s the problem? The lack of accountability.
For you to avoid overspending,
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Having an organized financial life does wonders to your budget and savings. This also makes your financial goals much easier to achieve. Do you want to be debt-free? Build your dream home? Begin with organizing your finances.
Well, it sounds easy but let’s admit it, that’s a huge commitment and a tedious task to keep up with. But with the help of these easy-to-follow ways, you can stay organized and always on top with our finances.
1. Have a designated place to do all your financial
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Having a ready supply of cash for unexpected circumstances such as hospitalizations, job loss, car repairs or even a simple leaky faucet that needs to get fixed as soon as possible, would come handy.
Although this critical advice isn’t really new to us, most of us still have a hard time building our savings for the “rainy days. If you haven’t started with your Emergency Fund, it’s about time you should.
It’s never too late to build one and you don’t need to have a massive
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Did you know that 80% of New Year’s resolutions fail by February? We still have less than three months before we welcome another year but we don’t have to wait for New Year’s Eve to give our finances a makeover.
Whatever you are waiting to begin, do it now.
That said, here are 8 practices that will significantly improve and refresh your finances.
1. Get organized.
If you want to start anew, you need to have an organized financial life. Here are some tips for you to achieve that:
Have
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