Table of Contents Going GreenDid You KnowWays to SaveReusable BagsStrawsPlastic To-Go ContainersPaper TowelsWater BottlesBulk FoodsProcessed FoodsBooksAnimal AgricultureSouvenirsReceiptsRelated ArticlesTakeaways Going Green A person who lives a zero waste lifestyle makes a conscious decision to reduce their carbon footprint by recycling, and limiting the use of plastics and one-time-use products. As you may have guessed, going green…
Cash Envelope Method: The Ultimate Guide
Table of Contents What is the Cash Envelope Method?Who is the Best Person to Use the Cash Envelope Method?How it WorksHow to Start the Cash Envelope SystemStep 1: Decide Your MethodExample:Step 1: Make a List of Expense CategoriesStep 2: Allocate FundsExampleStep 3: Create a Plan for the HouseholdStep 4: Make the Envelopes & Allocate FundsCommon…
Struggling Financially: The Do Not Buy List
Table of Contents The Struggle is RealSubscriptionsEating OutToysSalonSneakersPetsVacationsCigarettes/AlcoholHome RenovationsFull Priced ClothesPre-Cut Food From Grocery StoresUnused Gym MembershipRelated ArticlesTakeaways The Struggle is Real If you are living paycheck-to-paycheck, having difficulty making ends meet, and/or buried up to your eyeballs in debt, this one’s for you. However you ended up in your current financial situation, there are…
How to Save Money On a Low Income
Table of Contents Ways To Save on a Low IncomeSavings MindsetCreate a BudgetIdentify Your Essential SpendingHousingFoodInsuranceCarIdentify Your Non-Essential SpendingSneakersMakeupEverything ElseFind AlternativesHousingGrocery ShoppingRestaurantsGoodwillBe ResourcefulChange Your HabitsSubscriptionsWait 24 HoursNegotiateWhat Makes You HappyNo Spend ChallengeTakeaways Ways To Save on a Low Income Savings Mindset Learning how to save money on a low income is possible but you need…
How to Create a Budget You Can Actually Stick To
Table of Contents Budgeting for BeginnersScary StatisticsWhere is All the Money Going?HousingFoodNon EssentialsA Step-by-Step Guide for Creating A Budget1. Define Your Why2. Gather Your Financial Information3. Categorize4. Add5. Find Areas Where You Can Reduce Your Spending6. Create Your Budget7. Stay MotivatedTakeaways Budgeting for Beginners In a world of consumption, learning how to budget has never…
How Long Will it Take to Reach Financial Independence with Nothing Saved
Table of Contents Starting from NothingWhy is Knowing Your Savings Rate Important?What is a Savings Rate?Savings Rate Calculation?How to Calculate Net IncomeHow to Calculate Savings401(k) ContributionsIRA ContributionsMortgage PrincipalOther SavingsWhat is Your Personal Savings Rate?This is When You Can RetireTakeaways Starting from Nothing If you are here, you are probably wondering how long will it take…