Looking for ways to save on your monthly expenses? Avoid overspending by cutting these 11 things from your budget! Do you have some financial goals that seem unattainable? Are you saving up for a big purchase like a house or a car? To avoid overspending and achieve financial stability, it’s important to cut costs where we can. Here are the 11 expenses I believe you should cut first from your budget to get one step closer to your financial goals.   1. Restaurants and Uber Eats Eating out at restaurants and ordering food through Uber Eats can be convenient, but it’s also extremely expensive. Eating at restaurants often mean you’re…

There are numerous budgeting techniques, and budgeting is an essential tool for managing personal money. Your financial goals and personal preferences will determine which strategy is best for you.  In order to stick to your financial goals, you should figure out which budgeting method will work for your unique circumstance and life situations. Each strategy has benefits and drawbacks. Here are 4 of the most popular forms of budgeting and the pros and cons of each: 1.   Standard budgeting Making a budget based on your income and expenses is the basic idea behind traditional budgeting. Typically, it entails making a list of all of your monthly expenses and allocating a certain sum…

Credit cards can be an extremely powerful tool if you follow these 10 credit card best practices There are a lot of contradicting personal finance these days. Popular “personal finance experts” like Dave Ramsey oppose credit cards and tell people to avoid them at all costs. Although there is some validity to these beliefs, you can eliminate your worries as long as you follow a couple of best practices.  If you follow these 10 simple credit card rules, I promise you you’ll never fall into credit card debt AND you’ll discover excellent benefits you never knew existed.  Understanding the Dangers of Credit Cards IF not used correctly, credit cards indeed…