You earn your own money from your salary, small business, or side hustle. You pay your bills, save a little, treat yourself now and then… yet the bigger picture still feels unclear. Should you be investing? Saving more? Paying off debt first? No one really taught us what to do with our money once we […]
Every January, I used to write down the same resolutions: “Save more. Spend less. Invest consistently.” And every March, the notebook sat in a drawer while my spending slipped back into old patterns. Sound familiar? If you’ve ever promised yourself that next month will be different—but it never sticks—you don’t need more motivation. You need […]
Many people today are living paycheck to paycheck — and not just those on low incomes. Even people with six-figure salaries often find themselves broke by the end of the month. Why? Because income alone doesn’t solve the problem. There’s a story about a man who won the lottery, spent it all within a year, […]
I’ve listened to so many influencers who say that saving $100 or $500 each month and putting it into ETFs will make you rich. Let me tell you — this is not true. Even if you look at their math, you’ll realize you cannot get rich this way. I know this because I’ve spent over […]
Forget “Don’t buy anything!” My go-to rule is: “Don’t buy anything yet.” And that one word makes all the difference. Discovering the “delaying purchases” money hack has been the most transformative thing I’ve done for my budget in the past two years. I’ve saved thousands of dollars, developed healthier spending habits, and built up an […]
I want to share exactly what I do every month to save over $5000 a year, or $435 every month without sacrificing anything I enjoy. I got rid of things I didn’t need (or care about in the first place), and I swapped others for smarter alternatives. As a result, I’m richer, happier, and I’ve […]
What is the 50/30/20 Budgeting Rule? The 50/30/20 budgeting rule is one of the most well-known budgeting frameworks. According to this method, your after-tax income should be divided into: This budgeting rule is praised for its simplicity—but it might not be the best fit for your financial situation. The aim of this article is to […]
In this article, we go beyond the basics. I’ll show you three important money truths that are rarely explained clearly—and how understanding them can make a big difference in your financial future. Whether you’re budgeting, investing, or buying property, this post is designed to help you think differently and act smarter. If you’ve been reading […]
What is a Budget and Budgeting? How Income, Savings, and Expenditures Are Calculated Dear SmartyPurse reader, do you know how much you spend each month on average?Most of us know what our salary was last month, but do you know exactly how much you spent — and on what? Did you manage to save anything, […]
