budgeting

Remember What Money Can't Change To Cope With Financial Stress

When you’re in debt or just trying to break the paycheck-to-paycheck cycle, the thought of money can be stressful. Yes, it helps to come up with a financial plan. But if you start to feel down about your finances in the meantime, it might help to think about the ways in which your life is the same with or without money.


Four Signs You're On Top Of Your Finances

No matter how much money you make, it can feel like you never have enough money or (the better alternative) that you’re on track. A study by the Consumer Financial Protection Bureau found four factors that suggest when you’ve achieved financial well-being.


Prioritise Items In Your Budget By Happiness Level

The discretionary items in our budget — the ones we have the most control over — are often the hardest ones to budget. One way to make your budget work better? Prioritise your expenses according to how much happiness they bring you.


Stress-Test Your Budget With A 'Financial Fire Drill'

What would you do if you lost your job? Do you have savings or an emergency fund ready? If you’ve already established a plan for what to do if the worst happens, try stress-testing that plan with a financial fire drill: go a single month without touching your primary income.


Forget What You Deserve, Focus On Your Opportunities

Sometimes, it’s hard to make the responsible money decision. It would be really nice to use your money to enjoy yourself instead of paying off debt. You work hard and you deserve it. But instead of focusing on what you deserve, it might be better to focus on opportunity.


For A Solid Financial Plan, Find Out Why Money Is Important To You

Sure, financial stability is important. But why? Obviously, it’s responsible and it gives you options, but that’s a pretty vague reason. To draft a better financial plan, ask yourself what money really means to you, individually.


Personal Finance Is Simple: We Fail When Our Money Lacks Purpose

The most basic rules of personal finance are simple and constant. Yet it’s really hard for us to save more than we spend, and the reason may be because we lack a “why”.


Avoid 'Keeping Up With The Frugals' To Improve Your Finances

We’ve all heard that we should avoid “keeping up with the Joneses”, which means spending money just because other people buy certain things. Trying too hard to be the most frugal can ruin a budget just the same.


If You're Regularly Exceeding Your Budget, It's Time To Change It

Your monthly budget for things like food, utilities or other variable expenses is more often a guideline than a calculation. If you’re frequently exceeding those budgets, don’t keep lying to yourself and adjusting to fit the narrative. Adjust your budget instead.


Shakeandpay Splits And Converts Expenses While Travelling

Android/iOS: Splitting bills can be a painful experience, even amongst friends, but when there’s currency conversion at play it can be downright exasperating.