If you’re new to budgeting, you may have never heard of the term sinking funds or you may have heard it, but had no clue what it meant. Sinking funds are an extremely helpful budgeting tool that helps you plan for future expenses whether known or unknown. Essentially, it’s a mini savings goal ... READ the POST
HOW TO BUDGET FOR BEGINNERS – A STEP-BY-STEP GUIDE
No matter what source you seek to learn personal finance advice, there is one thing that every budget for beginners’ guides all have in common: you need a budget. A budget is a spending plan for your money. It helps you ensure that the amount of money spent on necessities and wants doesn’t exceed ... READ the POST
How to manage money with your spouse
Not even 24 hours after my husband and I were married in April 2018, I had an ah-ha moment that we made way too much money to have poor money management skills. We had just exchanged vows and promised to commit to each forever “for better or for worse” and “for richer or for poorer.” The ... READ the POST
5 SMART WAYS TO USE YOUR TAX REFUND
It’s everyone’s favorite time of year again – tax time. LOL, just kidding. I know that many Americans dread tax season. Even with do-it-yourself websites such as TaxSlayer, H&R Block, or Tax Act, you still must gather all your documents and sit down to fill out the complex tax forms. ... READ the POST
8 Simple Ways to Have a Debt Free Christmas
Can you believe that Christmas will be here in just a few months!?! This year has gone by so fast. While the most magical time of year is nearly upon us, there’s nothing magical about budgeting for Christmas. I love the holiday season, but it can be a very stressful time financially if you aren’t ... READ the POST
HOW TO CREATE A GROCERY BUDGET (& STICK TO IT)
I don’t know about you, but I love going grocery shopping. I like to walk down every aisle and explore what’s new. Don’t let the item’s package be aesthetically pleasing. That item will for sure end up in my basket and come with me regardless of the price. What grocery budget? Before you ... READ the POST
