6 Steps to Take If You Can’t Pay Your Bills

With so many personal finance blogs out there,  there is no shortage of information about how to build good money habits. You can read countless posts about how to better your budget, how to make extra income, or how to save for a house. I write those posts, too, and I'm not knocking them at all. But why is there so little information out there for people who really need it? If you frequent personal finance blogs, money is probably of interest for you, or you are already committed to figuring out your financial situation. But how do we help...Read More

10 Ways You Should Invest in Yourself (Even While on a Budget)

Admission: Yes, I have a finance blog. Yes, I try to be good with money. But here is the secret…I sometimes hate my budget. I become bitter that I don’t have the money to invest in myself and the things I want or need to do. Whether it be graduate school, a nice car, or a manicure, there are so many times that I have just wanted to give up. What I realized is that I was being TOO tight with my budget. I skipped doctor appointments (to avoid the $20 copay), never bought any new clothes and I beat...Read More

How to Save for Retirement When You’re Young and Broke

Let's talk retirement. Retirement is not a fun topic, but it is necessary, especially for millennials. No one really taught us about retirement before or after graduation, so it's up to us to educate ourselves. Say you graduated college with the average student loan debt of $30,000. You find your first job that pays $32,000 (again…an average). Your student loan payments for a 10-year payment plan are around $400/month. Your salary means you bring home around $2,600 (that isn't including taxes). Assuming 25% of your pay goes to taxes, you bring home right at $2,000 a month. If you're bringing...Read More

50 Ways to Save Money This Month

Are you stuck in a rut with budgeting? Need to make some wiggle room, but not sure how? Sometimes you just need to get a little creative. Here are 50 ways to save money. 1. Cancel subscription box services. Boxes like Ipsy and Birchbox are fun, but they are not sending you products that you actually need. Cancel them and buy products on your own to save money. 2. Make your own cleaning supplies. Did you know you can make your own eco-friendly cleaning supplies for pennies? Head to the dollar store and buy some empty spray bottles to fill...Read More