Here’s How to Budget Using the Half Payment Method

elcasanelles/Getty Images In a perfect world, bills would be evenly distributed so you wouldn’t pay so much at the beginning of the month and be left eating ramen until the next payday rolls around. But...

How to Set Financial Goals: A Simple, Step-By-Step Guide

Saving money is all well and good in theory. It’s pretty hard to argue having more cash in your pocket could ever be a bad thing. But what are you saving for? After all, money is...

Build a Financial Life Raft by Setting Up a Sinking Fund

When Nora Martin was expecting her first child, she wasn’t going to let all the many baby costs bring her down. She had a plan. “I pretty much wrote up everything that we needed …...

11 Budgeting Tips for Recent College Grads to Master Adulting

College graduation marks the beginning of what adulting truly looks like. Bye bye, student discounts. Hello, full-priced everything. You had guidance from professors, support from your parents and the camaraderie of your fellow students in...

13 Tips to Crack Down on Impulse Shopping. Your Budget Will Thank You

Your day starts innocently enough. You normally brew a cup of coffee at home, but you’re running late. So you swing by Starbucks for a $5 morning pick-me-up. After a tiresome day at work, you stop...

13 Tips to Stop Impulse Buying and Keep More Money in Your Wallet

Your day starts innocently enough. You normally brew a cup of coffee at home, but you’re running late. So you swing by Starbucks for a $5 morning pick-me-up. After a tiresome day at work, you stop...

3 Women Shared Their Best Bullet Journal Budget Ideas With Us

Keep it simple. That’s the consensus when it comes to starting a bullet journal for your budget. Forget the flowers, skip the swirls and just track your expenses and goals in a format that is easy...

4 Ways to Successfully Budget for Variable Expenses

Every month when I go to pay my electric bill, I’m hit with a surprise. Sometimes it’s a pleasant one, like this month when I only had to pay $57. But last August my bill...

Affordable Summer Camp Can Be a Reality With These Tips and Tricks

If the thought of summer makes you imagine fun, carefree living, then you must not be a parent faced with finding — and paying for — supervised care for children who are out of...

Save Hundreds on Your Big Day with a Wedding Dress Rental

Chelsea Cone-Suarez tries on a wedding dress for fun at Lending Luxuries while searching for a dress to wear to a wedding in Tampa, Fla. Lending Luxuries does wedding dress rentals as well as...

Our Guide to Budgeting for College Students

As if writing papers and studying for exams weren’t enough, there’s one more thing college students should  add to their workloads: budgeting. A budget is the system that tracks what money comes in and what...

The Dobot Savings Account Helps You Save Without Thinking About It

Ahhh. The sweet, sweet relief of payday. You pay rent, take care of your utility bills and stock up on groceries — maybe even splurge on takeout. Now, it’s time to save. But wait… where’d your money...

Financial Literacy is Lacking in the U.S. Here’s How to Raise Your Grade

Almost one quarter of Americans have no savings and nearly half — 40% — don’t keep a budget. One driving factor: a lack of financial literacy in the U.S., according to a new survey...

The 8 Best Money-Saving Apps in 2019

Saving money is oftentimes filed under personal finance 101. It’s easy, they say. You’ve just got to do it! Stay focused! Quell spending temptations! Honestly, that’s just not the case. In the United States, only 15% of...

My Wife Spends Too Much Money, but I Prefer to Save

Dear Penny, I don’t know the best way to get my wife and me on the same page about our finances. I come from a conservative background where we mostly saved and would only spend...

5 Simple Ways to Use a Bullet Journal to Manage Your Money

Instead of choosing from the dizzying array of online budgeting tools, here’s a novel thought: The best solution to keeping track of your money may be writing everything down with pen and paper.   The...

5 Easy Ways to Set Up Your Own Bullet Journal Budget Tracker

Instead of choosing from the dizzying array of online budgeting tools, here’s a novel thought: The best solution to keeping track of your money may be writing everything down with pen and paper.   The...

4 Budgeting Methods That Will Help You Manage Your Money

It sucks to wonder where all your money went at the end of the month. Even worse is wondering how all your money is gone when you still have a week left until payday. If...

Expecting? Prepare With These Money Tips From Parents Who’ve Been There

For many, raising a child is an invaluable experience, one they wouldn’t trade. But there is a price tag — a hefty one — that comes with being responsible for caring for a tiny human. Whether...

An Ultimate Guide for New Parents

Having a baby is exciting. And overwhelming. And expensive. Your life will change, and so will your bank account. But while your precious little one won’t come with an instruction manual, there’s plenty you can do...

We Weigh the Pros and Cons of Each

For years, we’ve been on a quest to find the best budgeting app. You see, budgeting is an essential foundation of personal finance, so it’s a journey you can’t take lightly. But while there are great...

Should I Buy a Scooter to Save on Transportation?

Neustockimages/Getty Images Dear Penny, After our car broke down, friends advised us to get an electric scooter as a cheap, fuel-efficient alternative. I know we’ll be moving in a year, and we’ll sell the scooter...

Understanding the 50/30/20 Rule: Our Easy-to-Follow Guide

Budgets are terrifying. There. I said it. If you’re anything like me, when someone says the word “budget,” you instantly want to wrap all your favorite splurge items in a big mental bear hug. “Don’t worry, beer...

How to Save for an Apartment if You’ve Never Rented Before

Living on your own is blissful. Paying to live on your own? Not so much. Renting your first place is a huge step on the path toward adulting, but if you don’t know how to...

How to Save Up for a Car on Any Budget

I knew my old Nissan Altima was failing when I couldn’t turn on the air conditioning. And again when it shut off at a red light. After patching each problem only to be stranded...

How Much House Can I Afford?

It seems like everyone has a rental horror story. Maybe it’s about a landlord whose idea of repair consists solely of duct tape. Maybe it’s the stress of rising rent. Or maybe you’ve just...

9 Simple Money Tips for Single Moms on a Budget

As far as I’m concerned, all you single parents are heroes without capes. Well, you’ll swoosh on a cape when your kids want to play dress-up. But that’s beside the point. Single parents have to...

These 5 Steps Will Help You Get Started

Setting up a budget is about as exciting as going to the dentist. It’s challenging. You’re forced to face your spending habits and then work to change them. But creating a budget will set...

Rely on Cash Tips? Here’s How to Save Money as a Server

When you rely on tips for your income, it can be hard to save money. For years, I’ve worked as a bartender, like about 611,000 other people in the U.S., according to the Bureau of...
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