Budgeting & Spending

Budgeting, especially for the future can be tricky. Find articles below to help you reduce your spending, save more, understand inflation, know how much you can spend, strategize for emergencies and more.

Your household budget is a foundation of your financial wellness. When working, ideally you are spending less than you are earning and are able to save the balance. When you are retired, you need to be able to plan to spend less over your lifetime than your retirement income and savings withdrawals allow.

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best financial planning tools

The 5 Best Financial Planning Tools Online: Go Beyond Budgeting

Whether you are interested in budgeting, monitoring your finances, or making better financial decisions, find a financial planning tool that fits your goals.

November 12, 2023
audit expenses

Audit Your Spending: 5 Ways to Review Your Expenses to Ensure Your Desired Financial Outcomes

Explore 5 categories of expenses and get get tips for auditing your spending to better achieve your near- and long-term goals.

October 12, 2023
is college worth the cost

Economic Viewpoint: Is College Still Worth the Cost of Tuition?

Are college costs worth it? A degree promises higher earnings, but not always more lifetime wealth.

September 14, 2023
compound interest

Compound Interest and Saving as Much as You Can as Early as You Can: Magical Secrets to Building Real Wealth

Building wealth can seem like it will take a miracle. Compound interest (especially if you start early) might just be the magic you seek.

July 5, 2023
good debt and bad debt

Good Debt and Bad Debt: A Quick Guide to Wise Use of Borrowing for Financial Success

Debt isn’t necessarily terrible. Good debt helps you get ahead. Bad debt puts you in a hole. Understand the differences for better financial outcomes.

July 4, 2023
financial basics

Financial Basics: A Guide to the Habits and Strategies of Spending, Saving, and Investing for a Secure Future

Mastering the financial basics is doable by anyone at any age. Here is a simple guide. Steps to take at 20, 25, 45, or even 55 to get and stay on track to a secure future.

June 1, 2023
how to get out of debt

How to Get Out of Debt: 12 Ways to Reduce this Expense for a More Secure Future

Debt levels have climbed to an all time high. Reducing this financial burden is a very worthy goal. Not sure how to get out of debt? You have options. Use this article to get motivated and find a way to approach your debt that feels right for you and your priorities. Mortgages aside, the average…

May 23, 2023
gain financial control

Trying to Gain Financial Control? Here are 4 Straightforward Steps to Feeling Better About Your Money

You don’t need to feel overwhelmed by financial stress. Here are 4 straightforward steps to help you gain financial control.

May 20, 2023
ways to budget

14 Ways to Budget: Find the Best Method for Your Personality and Goals

Budgeting doesn’t have to be awful. We’ll help you find a way to budget that helps you with your financial goals and suits your personality.

May 18, 2023
why budget

Why Budgeting Matters: 8 Reasons to Adopt This Foundational Financial Habit

Why budget? Budgeting can improve your short-term and long-term finances as well as your emotional well being.

May 18, 2023
what is a recession

What is a Recession?

What is a recession? The good news? Well, recession isn’t always so bad and you probably won’t know are in one until after it’s over.

April 13, 2023

18 of the Most Important Lessons from Financial Independence Retire Early (FIRE) Influencers

Some people retire in their 20s and 30s. What’s the secret? Here are top lessons from the most popular financial independence influencers.

March 30, 2023

The “Inflation Reduction Act of 2022” and What it Means for Your Retirement

Learn how the “Inflation Reduction Act of 2022” may improve your retirement? (Reduced healthcare costs and inflation reduction.)

July 28, 2022
Managing Money in Retirement

10 Great Tips for Managing Money in Retirement

In some ways managing money in retirement will be easier and in other ways it will be harder. Here are 10 tips for getting it right.

July 7, 2022
personal inflation rate

What’s Your Personal Inflation Rate?: Inflation is Not an Equal Opportunity Phenomenon

Average inflation is high. But, what is your personal inflation rate? Find out how to calculate and what it means.

May 26, 2022
medicare advantage denies coverage

Medicare Advantage Plans Too Often Deny Care and Claims: What to Do About It

A government report finds that Medicare Advantage plans are denying coverage and claims. Find out what to do about it.

May 19, 2022
emergency money

The Best (and Worst) Sources of Emergency Money

If you find yourself needing emergency money or income, here is a guide to 11 different sources of funding. Explore the pros and cons.

March 10, 2022
What to do about inflation

What to Do About Inflation? How Are People Adjusting Retirement Plans in the Face of Rising Costs?

Is doing nothing a sane response to inflation today? For some, absolutely. Others need to take action. Explore your options.

February 10, 2022

12 Surprising Ways to Save on Retirement Health Care Costs

Out of pocket retirement health care costs can be outrageous. Use these 12 surprising tips for a healthier and wealthier retirement.

November 24, 2021

Pursue Dental Care Before You Retire

There’s one important task that you may be forgetting before you retire: pursuing dental care. Learn why and access a full retirement checklist.

November 3, 2021
reduce 401k fees

401(k) Fees: Get to Know What You Pay and Reduce the Expense

Many of us are oblivious to the fees, but almost everyone with a 401(k) pays them. Get 7 ideas for reducing costs to greatly increase wealth.

September 23, 2021

Is a Tiny House the Big Solution for Your Retirement Plan?

Six reasons tiny homes are increasingly popular for retirement and how to see if it is a good option for you.

August 25, 2021
Retire early

7 Ways to Boost Savings, Retire Early

Saving for retirement sometimes takes a bit of creativity. This is especially true if you’ve spent some time with a devil-may-care attitude and are just now getting down to business. You’re not alone, if that’s the case. More often than not, you’ll look for ways to boost savings rather than sit comfortably with what you’ve…

August 13, 2021

Is it Time to Sell Your Home? Will it Help You Get the Retirement You Want?

Your home is an important part of your retirement lifestyle and finances. With housing prices at record highs, is it time to sell?

August 4, 2021

Boldin Planner

Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.