Problems of living paycheck to paycheck I’ve never heard of anyone saying I want to be a part of the working poor class. Living hand to mouth, barely getting by, is challenging situation.  Most individuals aspire to financial stability… Continue Reading →

Why use sinking funds What are sinking funds? Sinking funds is an easy way to save money on specific things. This will help you budget your money for your future expenses, but first things first, you have to decide what… Continue Reading →

WHO IS LIVING PAYCHECK TO PAYCHECK   The question Who is living paycheck to paycheck? Recent statistics reveal that 63 percent of Americans are in the precarious position of relying on each paycheck to meet their financial obligations. This underscores the… Continue Reading →

Keeping a spending journal Keeping a spending journal involves more than simply jotting down numbers and expenses. It is a dynamic, running record of your financial transactions and decisions. By documenting your spending regularly, you create a comprehensive picture of… Continue Reading →

Living Paycheck To Paycheck Is A Lifestyle According to a LendingClub report, more than 60% of Americans live paycheck to paycheck as of September 2023. This survey confirms that many Americans live paycheck to paycheck, including those who earn $100,000… Continue Reading →

Smart Goal Setting for Savings Have you ever wondered if there’s a secret to boosting your savings? It starts with one compelling idea: What if setting S.M.A.R.T. goals is the key to real financial progress? Smart goal setting for savings… Continue Reading →

Zero waste at home  In a world marked by consumerism and excess, the concept of “zero waste at home” emerges as a beacon of sustainability, simplicity, and conscientious living. As we navigate the labyrinth of modern life, it becomes increasingly… Continue Reading →

Create a lifestyle of abundance “Create a lifestyle of abundance.” Do you find yourself tired of the perpetual struggle of living paycheck to paycheck, especially in those few daunting days before payday? It’s a common scenario, and you’ve noticed others… Continue Reading →

  What budget is best for you Any successful financial journey requires a reliable road map, and that’s precisely where the budget comes into play. A budget isn’t just a ledger; it’s a meticulous record of your financial inflows and… Continue Reading →

  Keep your needs and wants in perspective “Keeping your needs and wants in perspective” is a fundamental aspect of personal finance. In financial planning, defining the boundary between these two categories is crucial. Needs, the essentials for survival and… Continue Reading →