Saving Money
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How to Feel More Confident With Your Money in 2021
This post is sponsored by Credit.com. Here at the ATB we are all about budgeting in a way that works for you and finding realistic ways to feel more confident with your money. Now that 2020 is (finally) over, here are ways that you can start to take hold of your finances and build confidence with your money in 2021. Write down your short, medium and long term financial goals I’m a big believer that you don’t need to stress over how to maximize the value of every dollar you come across. Much of personal finance is behavioral and relies on us finding value in how we navigate our money!…
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Money Lies That Are Keeping You Stuck in the Paycheck to Paycheck Cycle
There are tons of misconceptions that float around in the personal finance space. It’s important to keep in mind that personal finance is, well, personal! Your life and financial situation is unique, therefore what is going to work for you is unique! However, there are some common misconceptions that I have seen in the personal finance space that just aren’t true (most of the time). So here are the top money lies that are keeping you stuck in the paycheck to paycheck cycle. Disclaimer: this page includes affiliate links that help keep content here at the Avocado Toast Budget free and frequent! If you choose to use these links, I…
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How To Save Money In College
I’ve been that broke college student before, and I know how important it can be to find ways to save money in college. Here are my top 8 tips for saving money in college while still making the most out of your time at university! Schedule Classes on Same Days If you are a commuter, this is huge! But it can also save you money if you live on campus too. When I commuted, I saved tons of gas, coffee, and food when I went to class 3 days a week as opposed to 5-6. Obviously that is less in gas, but it’s also less days that I’m heading to…
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How to Stay Motivated When Paying Off Debt
Paying off debt can be super exciting, especially at first! But what do you do if you just feel like you a in a rut with your finances and debt payoff journey? Here are some tips to help you stay motivated while paying off debt! Disclaimer: this page includes affiliate links that help keep content here at the Avocado Toast Budget free and frequent! If you choose to use these links, I may receive a small commission. Thank you for your support! Give Yourself Fun Money One of the most important parts of paying off debt is making it sustainable. You’ll get burnt out very quickly if you don’t allow…
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Things to Cut From Your Budget (When There’s Nothing Left to Cut)
Are you at a point where you feel like there is NOTHING left to cut from your budget to make ends meet? It can be so frustrating when you hear people talking about giving up Starbucks to save money, when you’ve been making coffee from home for years and STILL live paycheck to paycheck. Now, I want to preface this post with some things. Everyone’s situation is different. Your paycheck to paycheck living may look completely different from someone else’s. And there is a chance that you’ve already done all of these things. If so, it may be better for you to look at ways to increase your income. Unfortunately,…
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5 Quick Ways to Save Money Today!
Are you looking for a quick and easy way to start saving some money? There are tons of resources that you can use and changes you can make that will save you money with little to no effort! This is free money that you are missing out on that could be going toward your savings goals or debt! So let’s talk about things you can do right now to save you money today. Disclaimer: this page includes affiliate links that help keep content here at the Avocado Toast Budget free and frequent! If you choose to use these links, I may receive a small commission. Thank you for your support!…
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How to Increase Your Credit Score
Did you know that credit scores are actually unique to the U.S. (and a few other countries)? Typically, in the U.S., your credit score is a number between 300-850 that is meant to show your creditworthiness. So you might be wondering, what the hell is creditworthiness?? It’s basically a way for creditors to see how likely you are to actually pay back your loans and bills in full and on time. Unfortunately, it doesn’t always reflect that, as outside influences can affect people’s credit score that they have little or no control over. With that being said, there are ways for you to increase your credit score (or build credit…
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Universal Basic Income
What is a Universal Basic Income (UBI)? A Universal Basic Income (UBI) is a government investment in its society and citizens. Through the presence of a UBI, everyone (usually over the age of 18) gets a set amount of money meant to cover basic costs of living. This money is completely conditional and consistent. Everyone gets the same much, no matter your circumstances. In general, a UBI tries to guarantee a living wage to all citizens, taking less pressure off of people who were in poverty and aims to increase the quality of life for everyone. This income covers things like the cost of housing, food, basic clothes, etc. that…
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20 Money Mistakes I Made in My 20s
I have made more than my fair share of mistakes when it comes to money in my life. I tend to repeat the same mistakes a few times to REALLY make sure that they are mistakes. If you’re curious about my worst money mistakes I made in my 20s, and want to learn from them, I have plenty to share with you.
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The Ultimate Guide on How to Use YNAB
If you’ve read my blog before, then you might know that I spent most of my life not budgeting, and really having no idea what budgeting even was. In 2019 I racked up over $20,000 in credit card debt, and found myself starting off 2020 completely in the hole. It hit me like a ton of bricks that something needed to change. I experimented with many different budgeting methods. You can read more about the top methods I tried here. Ultimately, I stumbled across YNAB’s youtube page and found myself clicking with their system. Since then, I have learned the ins and outs of YNAB, and want to share what…
