Category: Making Ends Meet

be happy on a low income

How to Be Happy on a Low Income

It’s easy to think that the rich life is the happier life, but it’s sometimes easier to be happy on a low income. Fact of the matter is, opulence can be an impediment to happiness. For instance, my friends still talk about a certain buffet...

the 50-20-30 budget is stupid

The 50-30-20 Budget is Stupid; Here’s What to Do Instead

The 50-20-30 budget is one of the most popular budgets according to personal finance “experts.” In it, you spend 50% on needs, 20% on savings/debt reduction and 30% on “wants.” This is a terrible plan for almost every income and lifestyle. The 50-30-20 budget is...

benefits of saving even small amounts

The Benefits of Saving Even Small Amounts

The savings rate for middle-class Americans is low. The rate jumped to 7.6% in 2019, but that’s still far below what it needs to be to put Americans on solid footing. Now that we are in unprecedented times and unemployment rates are up, savings will...

change relationship with money

How Money Mantras Can Improve Your Finances

It’s common knowledge that one must control one’s thoughts because thoughts lead to actions. The same is true with money – how you think about money directly leads to how one spends money. So it goes that improving your relationship with money is an important...