Saving – The Broke Budget

How To Solve Money Problems In Marriage

If you clicked on this article you most likely have money problems that are coming between you and your spouse. Today I will provide some practical steps to help you stop money fights, get on the same page, gain traction towards financial goals, and be content with where you are at now. According to market watch the number one predictor that you may end up divorced is if you are having arguments with your partner about money. 48% of couples living together argue about money. Of those who argue about money 41% of Gen-Xers and 29% of Boomers end up […]

Living A Frugal Lifestyle

Living a frugal lifestyle is really about your mindset. You have to decide to save money where normal people will waste their money. It isn’t always easy to do so you have to decide ahead of time that you want to live as a frugal person. Living a frugal lifestyle does not look the exact same for everyone. Some people are more frugal than others and that is okay because it is about finding the balance that is right for you. To save money you sometimes have to get creative. That may mean reusing something most people throw away. Such […]

How Much Emergency Fund Should You Have Saved?

If this pandemic has taught us anything it is that we need to have an emergency fund. Some people learned this the hard way which resulted in unpaid bills, eviction, and getting deeper into debt. However, we need to stop focusing on the negativity of what has happened. What matters most now is that we have had a wake up call and now it is time to look forward towards our financial future. We now know having an emergency fund is necessary. So then how much do we need to be saving for it? A three to six month emergency […]

It Is Tax Refund Time!

Around this time of year everyone gets excited for their tax refund. When you receive a refund it is because you were charged too much for your taxes. Thus it is like receiving your own money back at a later time. However, most people do not see it or treat it like that. People tend to treat it as a bonus that they can use to buy the extra things they have wanted all year long. That is the recipe that brings them right back where they started financially. Sure, maybe they have one or two things that brought them […]

Develop A Budget & Stick To It

If you want to stop living paycheck to paycheck, find debt freedom, build wealth, and give generously without worrying about your finances then you need a budget. Really everyone needs to make a budget but it sounds like such a scary thing to do. Not only does it seem overwhelming to do but if you actually look at your finances you might find negative balances, massive amounts of debt, and overall poorly planned financial decisions. However, I don’t want you to think of it as something that is negative. I want you to think of this as your starting point […]

Valentine’s Day Date Ideas For 2021 That Won’t Break Your Budget

Valentine’s Day can be an expensive day. Just thinking about all the flowers, chocolates, cards, stuffed animals, puppies, kittens, and going out to eat at fancy restaurants makes my wallet hurt. Where all these things are fun and even expected, there are things you can do that won’t hurt your wallet but will still be special and memorable. Do something fun together at home that doesn’t involve technology. Like cooking together. Make cookies shaped as hearts and start decorating! You can buy premade kits but those can be expensive. Try a new recipe and make the cookies from scratch. The […]

Get Extra Cash For Selling Items You Don’t Need Anymore

If you are looking for some extra cash, selling items you don’t need or don’t use is a great way to get some. It may seem like an obvious way to get some extra money but it is worth mentioning. Not everyone does it for fear that they may need something in the future. As if you’re just holding onto something in case the need ever arises. Let me just tell you it is not worth holding onto it! If your house or apartment is full of unused items you have plenty of items you could sell. When you hold […]

How To Make More Money Fast!

Sometimes if you’re broke or living on more than you’re actually making in income you need extra money. There is no way around it that you need to get extra money by working harder. That could mean picking up extra shifts at work or getting a part time job. There are also all kinds of different side hustles you can do. However, many side hustles are a waste of your time and energy. This may not be the answer you want to hear but it is the truth. Most side hustles will not earn you money quickly. You may think […]

Cancel Your Gym Membership

The culture tells us to be healthy by eating better and getting fit through exercise. The gym is advertised to us as the best way to lose weight, gain strength, and be healthy. It can be a great resource to those that use it. I repeat… to those who use it! There are many people that have a gym membership because they have a distant dream of being healthy. Yet they do not utilize the membership. They may even start strong going every day or even every other day. The fact is that they soon fall away from going because […]

Ways To Save On Vacations & Date Nights

If you are living paycheck to paycheck or deeply in debt I suggest cutting all unnecessary costs from your budget. This includes the costs of going on dates with your significant other. It also includes reducing the costs involved in the vacation that you take each year. How much money you save really depends on how focused you are on putting savings in your bank account or paying off your debt. I understand that we all need to have some time with our partner or to get away from the stress of life by going on a vacation. If you […]