We’ve all heard it before. The first step to saving money is budgeting. But how do we start budgeting when we’re bombarded by so many budgeting methods that people swear is the “right” one? I’ll admit it. I don’t keep a strict budget. I use the app Mint to track my spending and my idea of budgeting used to consist of keeping some categories that I can actually control like eating out and shopping down. But as I started diving into…
On my mission to pay off my six-figure debt, I have been actively cutting down on unnecessary expenses. I’ve even written a blog post on 6 Things I No Longer Buy to Save Money so trust me when I say I do not like spending money unnecessarily. While I don’t like to splurge, I do realize that splurging on certain items have allowed me to save money in the long run. So I decided to post a list of 7 purchases…
Ever bought something that you later regretted? I have. So in my efforts to pay off my six-figure debt, I have drastically cut down on my spending. Although I have cut down on many more things, these are the 6 things that I no longer buy that have made the most impact on saving me money. 1. Desktop computer I stopped using my desktop computer when I graduated from high school 8 years ago and moved out to the dorms with…
The saying goes that there are two ways to get more money. You make more or you spend less. It sounds simple enough, but like most things in life, easier said than done right? The good news is, of these two options, there is one that is easier to tackle and that you can easily control. I am talking about spending less. Think about how hard it is to make more money. You either have to work more hours at…
I was late in starting the makeup game. But boy did I start. And once I started I just couldn’t stop. I was obsessed with buying new makeup for years. Thankfully I finally put an end to it. This is how I was able to stop buying makeup for a year to save money. The Start of My Makeup Obsession I was a late starter, I only started wearing makeup my freshman year of college. Yes, I dabbled into the…
Raise your hand if you’ve ever found yourself buying things that you really just don’t need? Do you find yourself asking how to cut spending? You may not be able to see me, but I am definitely raising my hand with you. But I’ve finally found a way to cut spending by asking myself these 3 questions before I make purchases. 1. If I don’t have a job right now, is this something I would buy? This is my…
Some say the first rule in personal finance is to pay off credit card debt fully every month. Well, I disagree. With a caveat, of course. I have one, and only one reason why I don’t fully pay off credit card debt every month. And I do it without incurring credit card debt with ghastly interest rates. Let me tell you my hack on how I do just that. First, let me start off by saying I absolutely hate accruing…