Paying Off Debt
-
Budgeting Basics: What is the BEST Budgeting Method For You?
If you are new to the world of budgeting, it can be completely overwhelming. There are so many different options to choose from! And who even knows what half of those words mean? How can anyone expect you to start budgeting if you don’t even know where to start? That is where this Budget Basics Course comes in.
-
Budgeting Basics: Building an Emergency Fund
We’ve all been in that position before where something completely unexpected happens and we are not prepared financially (or mentally) for it. Unfortunately, that is often how life works, and there will always be unexpected expenses. But wouldn’t it be nice to decrease the stress a bit by being financially prepared? That way you can just worry about the task at hand, not how you are going to afford it. That is where an emergency fund comes in, and it is CRUCIAL in your budget. If you are new to budgeting, and wondering what steps you need to take to get out of debt and save money, an emergency fund…
-
8 Tips to Start Living Below Your Means
Due to everything happening right now, I am in complete savings mode. And it seems like most of the world is right there with me. According to Business Insider, 64% of Americans are changing the way they spend and save their money due to the pandemic. Now more than ever, we want to find ways to spend less, so that we can build up our emergency fund and have less anxiety around money. We’re already all cooped up and stressed out, why not try to eliminate some of the financial stress? Here are ways that you can increase the gap between your income and your expenses and live below your…
-
How to Get A Month Ahead in Your Finances
Did you know that 78% of people in the U.S. live paycheck to paycheck according to Forbes? But what does that even mean? Living paycheck to paycheck is when the money you earned from TODAY’S paycheck goes toward the bills that are due before you get paid again. So if something were to happen, and you didn’t get that paycheck, you don’t have a buffer. You are constantly in that cycle of making money then immediately spending it. Guess what?? There’s another way to live…and it’s awesome!
-
Why I DON’T Follow Dave Ramsey’s Baby Steps
The one personal finance class offered at my high school centered HEAVILY around Dave Ramsey. To be completely honest, I didn’t click with him at the time, and years later, I still don’t. I completely recognize that thousands (maybe even more than that) have found success using Dave Ramsey’s methods. And if it works for you, that’s great! Keep going. There are just aspects of his plan that don’t work for me and my lifestyle. Below are some of the reasons I don’t follow Dave Ramsey’s Baby Steps.
-
18 Ways to Save More Money and Pay off Debt Faster
Budgeting is all about making your money work for you, your goals, and the life that you want to live. Most of us want to save more and put more toward paying off our debt. Below are 18 ideas to help you cut out expenses and save money so that you can reach your goals!
