Budgeting for the rest of us

Blog

  • The Best Budget Planners for 2018

    The Best Budget Planners for 2018

    http://amzn.to/2iDsEGY

    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 spreadsheets, notebooks and planners, to name a few. (more…)

  • Subscription Boxes:  Are They Worth the Money?

    Subscription Boxes:  Are They Worth the Money?

    Pexels

    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 a year.

    Sounds fun, right?  While some subscription boxes don’t come with a cheap price tag, there are several ways that your subscription will save you a few bucks. (more…)

  • The Best Coupon Sites to Save you Money

    The Best Coupon Sites to Save you Money

    Pexels

    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 and newspaper pages. (more…)

  • 5 Ways to Eat Healthy On a Budget

    5 Ways to Eat Healthy On a Budget

    Pexels

    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. (more…)

  • 5 Frugal yet Meaningful Ways to Give Gifts this Holiday Season

    5 Frugal yet Meaningful Ways to Give Gifts this Holiday Season

    Pexels

    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. (more…)

  • How to Get the Most Out of your Black Friday Shopping

    How to Get the Most Out of your Black Friday Shopping

    Pixabay

    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. (more…)

  • How to Budget Using an Envelope System

    How to Budget Using an Envelope System

    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, you need to choose a budget system that will hold you accountable for your spending, such as Dave Ramsey’s Envelope System. (more…)

  • 7 Ways to Help You Organize Your Financial Life Physically & Electronically

    7 Ways to Help You Organize Your Financial Life Physically & Electronically

    Pexels

    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. (more…)

  • 6 Helpful Ways to Quickly Boost your Emergency Fund

    Pixabay

    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.  (more…)

  • 8 Easy Ways to Refresh your Finances Now!

    Pixabay

    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. (more…)