The Basic Rule of Personal Finance: Needs vs. Wants

“You Can’t Always Get What You Want” is a famous song by the Rolling Stones. This song speaks to the difference between desire and need. Sometimes, when you’re chasing something you think you need, life can be tough. But in the end, you often find you get what you actually need. This idea is central … Read more

Transform Your Money Mindset with Smart Financial Actions

Improving your financial mindset is all about taking smart, consistent actions. With the right systems in place, anyone can achieve financial stability and even prosperity. Today, we’ll explore three essential systems to help you get there: budgeting, spending tracking, and net-worth tracking. Let’s dive in! The Power of Budgeting Budgeting is the cornerstone of any … Read more

Money Saving Checklist: Your Sensible Start to the Year

Follow some or all of the ten suggestions below to start your financial new year off right! You’ll be amazed at how much these little ideas can save you in a year. Meal Plan Planning meals not only curbs impromptu pizza deliveries but also cuts down on food waste. Make a list, stick to it, … Read more

8 Tips to Kick Your Overspending Habit Now

Overspending, or under-earning, is a big challenge for many of us. Our eyes get a little big for our wallets, and we give in to impulse. Overspending is a habit like overeating. It’s the result of short-term thinking and not giving the longer term consequences full consideration. Spending money can also be like a drug. … Read more

Four Reasons Why Budgeting Isn’t a Bad Word

For many people, budget is a very bad word! Let me tell you why you shouldn’t be one of them. Budgeting Isn’t a Bad Word Budgeting isn’t a bad word because it can help you to get the things you want. Because, if you are like me, you only have a finite amount of money. … Read more

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