When you’re broke you need all the money you can gather. Something that may be stealing your money is luxury apps or subscriptions. What counts as a luxury app or subscription? Luxury means a state of great comfort and extravagant living. Therefore that would be any subscription or app that you enjoy but that is not needed for essential living. If you have a budgeting app I want you to keep that because that is essential for your wellbeing financially. If you have an app that tracks your miles for work reimbursement then I want you to keep that as […]

One of the most common reasons people are broke is because they are eating out. On average Americans are spending between $200 to $300 a month on eating out. That is on top of them buying groceries for an average of $300 to $500 a month. During the pandemic of 2020, we have actually increased eating out with takeout and drive-thru food. That is because everyone is tired of being at home and it is an excuse to get out of the house. In my state, restaurants were shut down for a while and some people actually found themselves saving […]