Budgeting

If you’ve ever tried to follow a complicated budget and gave up after a week, you’re not alone. It’s easy to feel blackpilled about your budget. When housing, food and student loans eat away at your income, it’s not unreasonable to feel like a budget won’t do much for your finances.  But here’s the thing: […]

Your Social Security check is almost always the same, month over month. But life, unfortunately, is not that consistent — with seasonal changes in utilities, fluctuating fuel prices and variable grocery bills, planning life on a fixed income can be difficult. This guide is about optimizing how much you spend on the basics, so you […]

You’d think it would get easier. The packing, the goodbyes, the scramble to line up housing before the boxes even leave the driveway. But every military move finds new ways to test you — and your budget. It’s not just the cost of moving trucks or plane tickets. It’s the weeks of in-between when your […]

Burnout is practically built into nursing. Between 12-hour shifts, overnight rotations and a constant stream of patients, there’s minimal time to breathe — let alone cook or manage a spending budget. It’s no wonder that when hunger hits, lots of nurses grab whatever’s closest: vending machine snacks, delivery apps or overpriced hospital cafeteria meals. But […]

Sometimes, the siren song of retail therapy can be too enticing. Maybe it was a stressful week, a persuasive friend or a really, really good deal that kicked off your shopping spree — but now that the bags are empty, how are you going to rebound from the debt? Here’s where to begin.  Step 1: […]

Most budgeting advice has you following a rule like 50/30/20, for essentials, wants, and savings. But what if that doesn’t work for you?

You’ve probably heard the rule that rent should take up no more than 30% of your income. But for millions of people, that math doesn’t work anymore.

Some bills are basically universal: housing costs, car payments, insurance and utilities feel non-negotiable, so most people never think to try and lower them.  But here’s the problem: When your biggest bills never get a second look, they can quietly slow down your financial progress. You might be cutting takeout or canceling subscriptions, but those […]

If your budget app feels more like a guilt trip than a tool, you’re not alone. Budget burnout can be a major hurdle to cross — especially because it can be difficult to get back on the wagon when you’re exhausted by the tracking and saving.  But this isn’t a mark against you. Budgeting — […]

Managing to pay your rent each month is not the same as being able to afford it. The warning signs that your rent is too high for your income can be subtle, from skipping putting money into your emergency fund to feeling stressed.  This quick check is here to help you figure out if you […]