If you want to be in control of your money and make the most of what you have, maintaining a monthly budget is critical. The idea of creating and living by a budget may seem intimidating if you haven’t done it before, but it really doesn’t have to be that complicated. I have an article,…
If you’re like me, you are always looking for ways to save money. When you can reduce an on-going monthly bill, even small changes can have a big impact over the course of a year and beyond. Over the past few years, one of my biggest savings wins for my wife and me was on…
Creating a budget is one of the first steps you should take for getting your finances in order. The process can seem overwhelming, but it isn’t difficult. One of the biggest challenges is knowing how to categorize your expenses to keep everything organized. In this article, you’ll find a list of more than 90 budget categories…
If you’re evaluating your budget and looking for ways to cut back, one of the first options you should consider is changing your TV service. Millions of Americans have been ditching cable and satellite TV services in favor of some of the best cable alternatives. You can easily spend over $100 per month on TV,…
Managing money is one of the most important tasks in life. It doesn’t matter if you make a little or a lot, you can still go broke if you’re not respecting and taking care of your money. Want to retire comfortably? Now is the time to start planning and saving. Fortunately, there are many helpful…
A mortgage is one of the largest expenses every month for most families. For many of us, the feeling of having a large debt for 30 years is unnerving. Of course, owning a home is preferable to renting in most situations, so having a mortgage is pretty much just a fact of life in our…
Most Americans consider retirement age to be 65, or somewhere in that ballpark. Early retirement might be considered 55 – 60. Yet, there are plenty of people in their 30’s and 40’s (and sometimes even younger) who are able to achieve financial independence. Reaching financial independence doesn’t necessarily mean that these people are completely retired…
In order to manage your money effectively, you’ll need to make wise decisions and spend your money on the right things. We talk a lot about ways to save money and reduce spending, but sometimes spending a little bit of money will actually allow you to save more in the long run. This article features…
If you’re serious about improving your financial situation, the first step is to create a budget. The budget is the foundation of effective money management, and without a budget you’re practically guaranteeing that you’ll make costly mistakes in how you use your money. Although budgeting isn’t complicated, most of us don’t actually bother to do…