Where Smart Saving Grows
After people tried to explain a zero-based budget to me, I thought I actually had a good understanding of the method, but I had never actually tried it myself before. People told me that figuring out “which dollar goes where” opens a full new understanding of “how your finances work. ” So, I took the … Read more
The 50/30/20 rule states how you should allocate your after-tax income – 50% for needs, 30% for discretionary spending, and 20% for savings. Of course, this rule is super simple, so financial advisors and amateur Reddit users tout this rule as gospel. I gave this rule a fair shot for 6 months and, while I … Read more
I have made attempts to begin a budget about twelve times. Actually, maybe about fifteen times. I lost count during the fourth failed attempt in 2019. Each attempt went the same way. I would download the app and then get excited and track everything for about six days. Then I would forget to log a … Read more