I’m trying really hard to figure out how to lower my expenses. As I’ve explained before when sharing my budget with you, I typically tend to look at how to reduce my big expenses. For example, I spend a fortune on food, which I have been cutting back on. However, there are smaller treats that […]
Personal Finance
How February’s Budget Went Awry And What I Did to Navigate It
One month ago today, I shared with you my plan for February’s budget. Unfortunately, things went awry. Emergencies happen. That’s why it’s important to have an emergency fund as well as contingency plans for when financial plans don’t go as expected. What Went Right With February’s Budget Not everything went wild when it came to […]
Budgeting: February 2022 Planned Expenses
I’ve taken many different approaches to budgeting over the years. Right now, I start the month by reviewing all of the previous month’s expenses. Then I look at what my planned expenses are for the coming month. I try to find areas where I can cut back on costs. Then I review my income and […]
How To Create a List for Your Guiltless Spending
Let’s face it, most of us don’t like a budget. We feel like it’s a constraint on our money and lives. It can be challenging to follow. It’s also strict, demands our attention, and holds us accountable for our financial decisions. Even though it can be daunting, it’s a very useful tool to have. While […]
Top Tips for Managing Your Pension so You’re Ready for the Future
Having a plan for the future is one of the most important things you can work on during your working life. This is where a pension comes into play, something that almost everyone will tell you to focus on increasing so that one day you no longer need to keep working and can live in […]
How To Set Financial Goals For 2022
It’s a brand new year! What are you doing new? With every new year, you should be sitting back and evaluating what you accomplished or didn’t last year and making plans for the future. Along with all the fun things you want to do, you have to consider serious topics too. One of the more […]
My 5 Frugal Goals for January 2022
Some people make New Year’s Resolutions. Other people choose not to. I tend to land somewhere in between. I choose a word of the year to guide me. Then I move forward with monthly goals in various aspects of my life. I got a bit off track with my financial goals in the past couple […]
Learning to Ask For Financial Help
I’ve never found it easy to talk about money. Most of us have some kind of issues with this in the American culture, although those issues vary widely depending on your personal financial psychology. For myself, I’ve mostly just dealt with all of my money all on my own forever. However, I’m learning how to […]
5 Things Always Worth The Cost to Me (And 5 Things That Aren’t)
As adults with finite resources, we have to make decisions about how we want to spend our money. After all, we only have a certain amount in the budget. Therefore, we have to decide how to spend it. Here are five things that I always think are worth my money. Moreover, here are another five […]