Couples That Budget Together, Stay Together

Personal finances are one of the leading causes of stress in relationships. In fact, it is estimated that 70% of married couples argue about their money, or lack thereof[1]. Unfortunately, couples often feel at odds with one another rather than a sense of partnership when it comes to addressing financial problems. “You need to get… Read More

Break the paycheck to paycheck cycle and find financial stablity with bettr money habits,

Three steps I took to break the paycheck to paycheck cycle

Toto, we’re not in Kansas anymore! Getting to financial stability these days is nothing like it was 50 years ago. Recently I was reading an article concerned with the rising levels of debt in all age groups ¹. It noted how the times have changed when it comes to employment and benefits, cost of living,… Read More

envelope budgeting using high yield savings accounts

Making the Most of a High Interest Savings Account With Your Envelope Budget

I’m a huge advocate of envelope budgeting. It’s a time-tested method at making sure you don’t spend more than you have. But envelope budgeting is more than that; it’s also a practical and philosophical money management strategy. It forces you to look at the money you have right now and decide how you should spend it,… Read More

How to Budget for Inflation

Exactly what is inflation? It’s a word we hear often and usually in a negative economical context. Simply put, inflation is an increase in the cost of goods and services. While no one likes to pay more for something, a low inflation rate (about 2%) is generally a sign of a healthy economy. While it’s… Read More

3 Easy Steps to a Smarter Financial Management Mindset

How can a different mindset actually make me smarter financially? By observation. Yes, that’s right, it’s that simple. By observing your mindset, you create the potential for change. Maybe you’ve heard this before in Quantum Theory. If you haven’t, here it is in a nutshell: electrons behave differently when they are observed (Observation Affects Reality)!… Read More

Ways to Save Money

Whether you’re saving for retirement, a wedding or even just a holiday, saving can be difficult. Half the time we’re fighting with the temptation to spend our hard earned cash on new clothes, tech or going out, and the other half the time we’re spending money fixing things that have gone wrong; the car, the… Read More

New Year, New Budget – When, Why and How To Start Fresh

Starting a budget, paying off debt and building savings are some of the most common New Year’s resolutions. According to a study by Fidelity(1), more than a third of Americans had a financial New Year’s resolution in 2017. They also found that the majority of people were able to stick to their resolution and save… Read More

How Zero-Based Budgeting Works and Why You Need It

What is the advantage of zero based budgeting? When it comes to budgeting, most of us have a pretty general idea as to what that means. In fact you might have a simple traditional budget where you set spending targets on certain categories, like groceries. When you’re over budget, well, you might remedy that by… Read More

You need more than a budget

Yes, budgets are important – I won’t argue otherwise here. They can be crucial to getting out of debt, planning for upcoming expenses and more. But if the secret to getting your financial house in order stopped at budgets, we would be selling our customers short. In reality, really understanding your finances and getting on… Read More

Holding yourself accountable with envelope budgeting

For many people, a budget is the driving force for taking control of their finances. It literally tells you how much you expect to earn, where you expect to spend it and where you’ve over- or under-spent. But in the world of budgets, are all budgets created equal? Why do some people try budgeting over… Read More

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