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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does money buy happiness

11 Ways Money Really Can Buy Happiness

Does money buy happiness? It does if you know how to spend it. Find out how to improve your quality of life with the right kind of spending.

May 9, 2024
stagflation

Stagflation: When Inflation Meets Stagnation and What to Do About It

First, before reading this article, know that there are solutions to every economic problem – at both the personal and macro economic level. So, even though there is renewed talk of the economy hitting stagflation, it doesn’t mean that you’ll never be able to retire or run out of money if you do.  But, being […]

May 9, 2024
high insurance costs

Why is Your Property Insurance So High? 10 Ways to Lower the Cost

Explore the 3 main reasons why your property insurance is so high and discover ways to reduce your expenditure.

May 2, 2024

How the Wealthy Spend Money Differently from Everyone Else

How are the spending habits of the wealthy different from yours? Get insights into wealth accumulation and financial success.

April 25, 2024
consumption smoothing

What is Consumption Smoothing? And, Why Is It Important if You Want Long Term Financial Stability?

While most people do short term consumption smoothing, you really need it for your future financial security.

April 18, 2024
retirement spending

9 Ways to Overcome the Terror of Spending Your Retirement Savings

Uneasy about watching that retirement nest egg get smaller month after month? Don’t worry. Use these 9 tips to overcome your fear of retirement spending.

April 18, 2024
living on social security alone

11 Ideas for Living on Social Security Alone

Living on Social Security alone really is possible. Get the scoop on 11 ways to make it work for your situation. Read now!

April 18, 2024
social security and taxes

What You Need to Know About Social Security and Taxes

Yes. You might pay taxes on Social Security. Learn what to expect (federal, state and work penalties) and explore ways to reduce the expense.

April 4, 2024
cut costs for retirement

24 Ways to Cut Costs for Retirement

Reducing expenses is a good way to deal with inflation. Here are 24 tips to make it a little easier to cut costs.

March 20, 2024
average retirement spending

Average Retirement Spending: Will You Spend More or Less Once You Retire?

Average retirement spending for those over 65 is $48,872 a year. See average spending in specific categories and how to project your own needs.

March 7, 2024
retirement expenses

9 Tips for Estimating Retirement Expenses: You Need to Get this Right!

If you want a secure retirement, you need to go about estimating retirement expenses. Get 9 great tips for succeeding at this difficult task.

January 31, 2024
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
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

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