Tagged With budgeting

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How many subscriptions do you pay for each month? Your money zips away via autopay, and you grow accustom to the benefits of such memberships: The trial-size makeup box. The monthly video-game t-shirt subscription. That app that lets you customise at-home yoga routines. The $20 or $30 per month may seem like small potatoes in the greater scheme of your monthly budget. But what if you started thinking beyond the monthly cost? Would you still want that subscription if you had to pay up front for it?

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According to You Need a Budget (YNAB), my total net worth is currently $108,940. That’s $27,213 higher than it was six months ago, when I switched my budgeting app from Mint to YNAB and began focusing on growing my net worth as quickly as possible.

I wasn’t expecting the numbers to grow quite this fast, honestly. So let’s look at how they did.

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A lot of us think about our money in terms of what it can get us. When we’re earning X (or when we’ve saved X), we can purchase Y. But if you’re working towards long-term wealth — whether for financial security, financial independence or retirement — it’s just as important to think about what you aren’t buying.

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Whether you finally landed that big client or you finally won the lottery, an influx of surprise cash is always a good thing. And it also requires some planning. Here are my thoughts on the best ways to allocate that extra money, in order.

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Automating your finances fixes everything, right? Well, only if you’re still monitoring your money on a regular basis, it turns out. The Wall Street Journal interviewed a handful of money experts about the biggest ways people waste money. And we won’t talk about what they said about that, because this Lifehacker vertical is a latte shame-free zone.

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Budgeting apps are plentiful, but it can take some trial and error to find one you love. And if you’re someone who’s trying to spend less time in front of a screen, sometimes the last thing you want to do is open your budgeting app for a checkup.

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When I stumbled into adulthood a couple of decades ago, money was an absolute mystery to me—or at least, the management of it was. Expenses like car maintenance, water, trash, health insurance and taxes came as a huge shock, stunning me with how quickly they could consume my pay. And who knew food was so expensive?

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It seems that while many people are embracing new payment systems that help to extricate finds from their wallets and bank accounts, they aren't quite as good at managing their finances as they should be. While banking apps and online payments are popular, tools for managing expenses are far less popular.

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There are lots of arguments for the respective benefits to freelancing versus full-time employment. It still seems like there are more freelancers every year, and fewer people get to choose. And in any case, one of the notable downsides of freelancing is the marked lack of stability.

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After a year or two of increasingly frivolous spending, one of my goals going into the New Year is to save as much money as possible. In some areas of my life, like eating out or buying clothes, it’s obvious what I need to cut, and there are plenty of easy ways to save money.