Simple ways to Create Better Spending Habits and stick to budget

If you’re having a difficult time spending less and saving more, it may take more than sheer will to make that change. Overspending is a widespread problem and one that can seriously wreck your ability to save. When you spend smarter, your money goes further. Read on to discover how you can break bad spending …

How to be more charitable without spending money

As English author John Bunyan once said, “You have not lived until you have done something for someone who can never repay you.” The concept of doing something for someone who cannot repay you goes by a variety of different names. Some call it generosity; others say goodwill and some might call it philanthropy. But …

HOW TO USE THE CASH ENVELOPE BUDGETING SYSTEM + FREE ENVELOPE TEMPLATE

If you have researched how to budget, then you probably have heard of the cash envelope method. This method is not new and has been around for a very long time. Even though it’s been around awhile, many people still don’t know how it works or the benefits. Your first thought is probably, “ugh, what …

What Is the 50/30/20 Budget?

When it comes to budgeting, there’s no one size fits all solution. We all have different incomes, desires, attitudes, and approaches to how we handle our finances. How to Use the 50/30/20 Budget Method The 50/30/20 budget or rule is recommendation to spend no more than 50% of your after-tax income (referred to just income …

How to Create a Business Budget (and FREE Excel Template)

When you think about creating a business budget, you may start thinking, “Oh my God, this is going to get complicated.” But it really doesn’t have to be that complicated at all! As a small business owner, the biggest things you want to track are your income and your expenses. Then determine each month whether …

How to Financially Prepare for Home Ownership

When it comes to financial and life goals, buying a house is probably pretty high up on your list. If you know that owning a home is a goal you want to achieve, put yourself in the best situation to do so, as early as possible. You can financially prepare for home ownership years in …

Cost Per Wear: Saving Money Smartly

When it comes to clothing, shoes, and accessory purchases, I’m a firm believer in cost per wear, which I also refer to as “getting my money’s worth.” It doesn’t matter if it’s a cheap or an expensive purchase. Money spent is still money spent, and I want to be sure that it’s worth it. That …

How to Create a Simple Personal Budget

If you’ve read any personal finance advice, you know there’s one simple rule that comes up time and again: You need a budget. Budgets assign your money a job and establish spending limits for specific expenditures so you can use your money responsibly. Making a budget isn’t as terrible (or boring) as it sounds. It …

How Can a Budget Change Your Habits?

Unless you’re on a budget, changing your money habits can be really hard to do. Willpower and determination will only get you so far. The amazing thing about a budget is that it allows you to see how much money you spend, and what you spend it on. When you know how much you spend …

How to set SMART Financial Goals (+FREE WORKBOOK)

Do you have BIG financial goals?  I’m sure you do! Do you feel like no matter what you try, you’re not making a dent in your debt? Or after years of working your butt off, you don’t have very much to show for it? Maybe your budget never works out the way you hope. Here’s …