Category: budgeting

The Ultimate Guide To Save Money 3: Track Your Spending

In order to save for any goal—short, medium, or long-term—you’re going to need data. You need to know how much money you have coming in, and how much money you have going out. You’re also going to need to know where that money’s going. Tracking Your Income If you’re salaried, tracking your income should be…


The Ultimate Guide To Save Money 2: How to Save Money

If saving money was easy, everyone would be doing it. It isn’t easy. When you’re earning a low wage, it’s hard enough to make ends meet. You’ll always have to make rent and buy food, and there’s no shortage of other things to buy if only you had the money to buy them. As your…


The Ultimate Guide To Save Money 1: Why You Should Save Money

Your work pays your bills. That’s its first job you need to earn enough to pay the rent, put food on the table, and keep the lights on. After you’ve met those essential obligations come other, near-essential expenses: a car, insurance, and entertainment. As earnings increase the first change is in the quality that those…


Lessons From a No-spend Month

As January drew to an end, Mike and I realized that the month had subtly allowed our spending to creep to a surprising amount. Our grocery bills, eating out budget, and medical expenditure categories all were among the highest in a while. Since we’ve been married, we’ve been mindful to adapt to a frugal lifestyle…


Credit Is a Privilege, Not a Human Right

Dear Mary: I’ve just discovered that my parents are being discriminated against because they don’t have a credit card. It’s a huge injustice if you discriminate due to color, race or religion, and this is totally unacceptable in our society. If you don’t own a credit card, you are not allowed to get a rental…


Best Practices to Make a Successful Career Change in a Tech-Driven World

Anchoring yourself to a secure job that you can depend on for the rest of your professional life used to be a popular option. While times have changed — that doesn’t mean that people are too keen on making any radical career changes nowadays. During the COVID-19 crisis, people will do whatever it takes to…


How To Deal With Late Employees

Circumstances may justify causing an employee’s delay. However, if tardiness persists, management must act to guarantee and promote timeliness across the team. What happens if workers are late? However, unexpected circumstances, blunders, or personal difficulties might lead a staff member to be late. These are usually isolated instances that don’t affect colleagues or management. For example, an…


Are We Living the Dream?

When we were paying off our debts it felt like forever. We went as deeply frugal as it was possible to go and it still took us two and a half years to pay off the consumer debt that we had. At that time, we only had an interest only mortgage and then we had…


The High Cost of Procrastination

Recently, another tale of woe landed in my inbox reminding that it’s a story old as time still being repeated more often you might believe. The scene: A weekend in the dead of winter. The family walks into the house expecting it to be warm and cozy, but one look at the thermostat tells them…


Stronger and in Good Financial Shape

Dear Dave, My husband and I are getting a divorce, and everything will be final in less than a month. I haven’t worked outside the home in a few years, but according to the terms of the divorce, I’ll receive $75,000 in cash on the day the divorce is finalized. I also have about $5,000…