Saving a thousand "extra" dollars you wouldn't have otherwise saved is not nothing. Especially if you do it with small changes that don't really affect your life much. If you're trying to make massive sweeping financial changes, sure this will help too, but you'll...
Why Budget? Let's start with the why before we get into the how. The most common reason to have a budget (and actually follow it) is to pay off debt and save more money. This is why we budget. We've got big goals and want to make sure we're moving towards them and not...
What Is A High-Yield Savings Account? Very simply, a high-yield savings account is a bank account that earns a much higher interest rate than a traditional savings or checking account. Loosely translated: more free money for you. Why Do Banks Pay Interest? Banks use...
This post may contain affiliate links. For more information, see my disclosure policy here.What Is A Savings Rate? Very simply, your savings rate is how much money you save instead of spend, as a percentage of your income. Your savings rate tells you the percentage...
I know about the ultimate college hack Really, it's a life hack. Let me paint you a picture. What if you could go to college and get a great education for zero dollars. Then, after you graduate (without mountains of student loan debt) you're guaranteed a well-paying...
This post may contain affiliate links. For more information, see my disclosure policy here.Why Budget? Let me start by saying this: Budgeting is not about deprivation or extreme frugality. It's about knowing where your money is going, allowing you to align your...
It's true my friends, it can be done. This whole process was done slowly but surely in pieces over about a year. Not because it was particularly hard or time-consuming, but because life happens and that's just how long it took us to finally be done. In The Beginning...
This post may contain affiliate links. For more information, see my disclosure policy here.Previously, I wrote about You Need A Budget (YNAB) and EveryDollar. Today, we take a look at Mint and Personal Capital. I originally was going to put all four in one post....
This post may contain affiliate links. For more information, see my disclosure policy here.Today I'm going to take a closer look at two popular budgeting apps, You Need A Budget (YNAB), and EveryDollar. There are plenty more, but we'll start with these two for now....
Yes. There is a difference. Tracking your spending and budgeting are not the same. They're similar, and both very helpful for your financial health, but alas, not the same. Tracking your cash money Tracking your spending is just that. Tracking it....