Manage Money

What is lifestyle creep? Lifestyle creep, or lifestyle inflation, is when your discretionary spending increases along with your income.  Did you notice? When you received a substantial raise or landed a new high-paying job, did you find yourself spending at higher-end dining places? Or buying a new luxury car? Or perhaps replacing and filling your wardrobe […]

Ever feel like you’re stuck in a never-ending cycle, living paycheck to paycheck, barely scraping by and making ends meet?  “Is this all there is to life?” Well, the good news is that breaking free from the living paycheck to paycheck cycle is possible.  So, let’s dive right in and end this never-ending nightmare. 8

Have you ever wondered why, despite your best efforts, you can’t seem to get a firm grip on your finances?  Those money habits we’ve all picked up are the culprits.  From daily spending to credit card swiping online, recognizing these bad money habits is crucial to staying financially healthy. But knowing and recognizing isn’t enough. 

Who hasn’t been there, standing in a store or browsing online, torn between what we want and what we truly need?  We all have numerous such moments, juggling between our needs and wants.  We understand that to reach our goals, we need to save or invest money. However, the appeal of branded shoes, clothes, or

Do you find yourself wondering where all your money went at the end of every month?  Or regretting that impulse buy or the last shopping spree?  It’s time to shift your mindset towards aligning your finances with your passions and priorities through a conscious spending plan. With this mindset shift, you can enjoy guilt-free vacations

Have you ever bought something online when you were feeling down or pissed off, only to experience buyer’s remorse the next day?  What you did is what we call emotional spending.  A study by Qualtrics for Credit Karma found that 39% of Americans admit to being emotional spenders. So, what emotions are driving you towards

We’ve all have felt lost and confused while staring at a stack of bills, wondering what happened. But here’s the good news: Creating a budget will easily resolve such issues. Here, I’ll be going through the basics of budgeting and why it’s vital for everyone, including you.  Whether you’re dealing with a sudden windfall, a

Are you overwhelmed by all the types of personal budgets out there?  Feeling stuck and feeling like you’re going nowhere? I know what it’s like. Finding the right budget fit for your personality and financial situation can be a little tricky. Plus, it can also be frustrating to find out that the budget you’ve been

So, you’ve been feeling like a hamster on a wheel with your savings, huh?  Forever running, but not seeming to get anywhere?  Yeah, we get it.  Saving money can feel like a massive, unending slog, especially when life’s little expenses keep nibbling away at your paycheck. And let’s not even talk about those big unexpected

What are financial goals, and why are they crucial to your future? Having financial goals is a crucial step toward a financially successful future. They help direct your saving and spending habits in a positive direction. For example, you could have goals to eliminate debt, save for an emergency fund, invest for retirement, or even launch a