Budget burnout is real y’all! If you’ve ever experienced it, you know sometimes it can be challenging to get back on track. It can happen to the best of us, usually when we are stretched too thin and overwhelmed with our finances. Living paycheck to paycheck, on a bare-bones budget, or too frugally can cause …
How to Avoid Budget Burnout: 11 Tips for Staying Motivated Read More »
Debt and living paycheck to paycheck seem to be the norm these days. According to Bankrate, the average American has $96,371 of consumer debt (this includes credit cards, personal loans, mortgages, and student loan debt). Living like this, beyond your means, can lead to a huge amount of financial stress. Trust me, we’ve been there. At …
Bad financial decisions…we all make them. But if you’re not careful, they can impact the future of your finances in a very bad way. Trust me, we’ve made almost all the mistakes you can make with money. All these financial mistakes turned into an overwhelming amount of consumer debt. We were living paycheck to paycheck …
13 Worst Financial Mistakes and How to Avoid Them Read More »
Staying on budget and overspending can be a huge issue for some people. Cash envelope budgeting can be a great way to keep your budget on track and help you save money. But you may need something to help you to stay organized on your journey. Therefore, a cash budgeting wallet will help you manage …
14 Best Cash Envelope Wallets For Your Money in 2023 Read More »
You may have mastered budgeting, but what about the art of saving? Saving money is just as important as budgeting. It goes hand in hand if you want to live stress-free and debt-free. But you’re not just saving money for a rainy day. You’re creating sinking funds. Sinking funds are a system of saving for …
23 Sinking Fund Categories to Help You Budget Better Read More »
Are you struggling with budgeting? Feeling frustrated because you have no idea what you’re doing. Each month you’re either going over budget or (worse) not sticking to your budget at all! I get it! And you’re not alone! According to The Penny Hoarder, over half of Americans (55% to be exact) don’t budget their money. Most …
Do you ever wonder how people can afford to pay cash for big purchases? Most of us are quick to pull out the credit card when we want or need something. Having the cash to pay for these items is the luxury of a big paycheck, right? But that’s not the case at all. The …
Everything You Need to Know About Sinking Funds for Beginners Read More »
You may have seen the new tik tok trend of cash-stuffing and been left wondering, does it really work? The short answer…yes! It really does work. Although, cash stuffing is not a new thing. In fact, it’s been around forever. How do you think people paid for stuff before the creation of credit cards? Cash stuffing …
How to Start Cash Stuffing for Beginners in 2023 Read More »
With the most favorite time of year right around the corner, it’s time to start planning your Christmas budget (if you haven’t already). According to LendingTree, a third of Americans accumulated an average of $1249 of holiday debt last Christmas 2021. The sad thing is many are probably still paying for those credit cards. With 0% …
Do you want to start budgeting but don’t know how or where to start? Before my husband and I started budgeting, we spent money without any thought or plan. This led to enormous debt and no emergency fund. So, when we were hit with unexpected expenses, we were forced to go deeper into debt. We …
How to Create a Zero-Based Budget to Simplify Your Finances Read More »
