It is not rude to say no when you don’t have the money. In fact, it’s ruder to say yes when you know that it’s out of your range.
Budgeting and Income
Why Your Budget is So High Maintenance
If your budget is too high maintenance, you may be putting your finances at a disadvantage. Keep reading to see how you can fix it.
Checking Off My Year-End Financial Bucket List
Congrats on surviving the year! Before you start planning for the new year, make sure that the items on your year-end financial bucket list are checked off. It’s the end of the year and I don’t know how it got here so quickly. Thanks to COVID, it feels like the […]
How to Budget When You’re Making Minimum Wage
When you’re a low-income earner, money may not stretch as far as you would like it to. There may be things that you would love to purchase, but funds are allocated to something else. Every extra dollar that you earn already has an expense or a bill lined up. How […]
How to Set Up a Household Budget and Stick to It
Late last year, I spent endless hours on Pinterest trying to find the perfect template to set up a household budget worksheet that I could use to organise my house finances. The reason for this, is that I finally decided to separate my personal budget from my household budget. In […]
Overcoming the Challenge of Surviving on One Income
Sometimes families that are surviving on one income are not doing so by choice. People always seem to think that when others are in certain situations, it was done by choice. Some single income households come about because the sole breadwinner is in a financial position to support the entire […]
I’m Over $10,000 in Debt – How the Hell Did That Happen?
The road to financial prosperity and being debt free can seem quite far away when you’re over $10,000 in debt. Seeing all of those zeroes looking back at you can be scary, if you do not have a plan with a goal. This financial story that I am writing for […]
How I Use Sinking Fund Budgeting to Reduce My Financial Stress
A few years ago, I discovered the sinking fund budgeting method on the Daily Money Shot blog. It was in the early days of blogging on Odd Cents and I was an active reader of several personal finance blogs. At that time, I had a rotation of blogs that I […]
Getting Ready For the Tax Filing Season
It’s that time of the year when the government puts us under pressure to file our taxes and give them all of the money in our pockets. Depending on where you are in the world, filing taxes can be a painstaking process that becomes even more harrowing when you calculate […]
The Mini Missions Challenge: How I Improved My Life in 30 Days!
I think that I’ve written before about the importance of taking baby steps to get to your desired point in life. I firmly believe that when you take a goal and break it down into actionable mini missions, it’s very easy to cross that goal off as accomplished and move […]