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Real advice from those who know best

Tag: budgeting

Is It Better to Save or Pay Off Debt?

GallerySeptember 25, 2025 kchristensenLeave a comment

This question is like the financial version of “chicken or the egg.” Should you put your money into a savings account for future-you, or tackle that pile of debt that’s breathing down your neck like a fire-breathing dragon? Let’s break it down with some simple analogies so it’s fun, easy, and makes actual sense. The […]

How Much Should Be in My Emergency Fund?

GallerySeptember 25, 2025 kchristensenLeave a comment

Imagine life is like driving down a highway. Most days, the road is smooth—you’ve got gas in the tank, snacks in the cup holder, and your favorite playlist blasting. But sometimes, out of nowhere, you hit a pothole the size of a crater. That’s when your emergency fund comes in handy—it’s the spare tire (and […]

What Is the Best Way to Pay Off Debt? (Spoiler: It’s Not Winning the Lottery)

GallerySeptember 23, 2025 kchristensenLeave a comment

Debt. The four-letter word that’s actually four letters longer. If you’ve ever felt like debt is that clingy ex who just won’t stop texting you at 2 a.m., you’re not alone. The good news? There are proven strategies to kick debt to the curb once and for all. And no—you don’t need to sell your […]

8 Flexible Ways to Make Money from Home as a Stay-at-Home Mom

GalleryJuly 31, 2025 kchristensenLeave a comment

Being a stay-at-home mom doesn’t mean putting your financial goals on hold. In today’s digital age, there are plenty of ways to earn an income from the comfort of your own home—while still being there for your little one’s biggest moments. Whether you’re looking for a side hustle or a full-time gig, here are eight […]

15 Financial Habits That Will Make You Wealthy

GalleryJuly 28, 2025 kchristensenLeave a comment

Building wealth isn’t about luck — it’s about daily habits. Most millionaires didn’t strike gold overnight; they committed to smart, consistent actions over time. If you’re looking to change your financial future, here are 15 proven financial habits that can lead you to long-term wealth. 1. Live Below Your Means Wealthy people understand that it’s […]

How to Budget for Irregular Income (Freelancers, Side Hustlers, Seasonal Workers)

GalleryJuly 18, 2025 kchristensenLeave a comment

If your income changes from month to month, budgeting can feel like trying to hit a moving target. But just because your paychecks aren’t predictable doesn’t mean your financial life has to be chaotic. With a flexible strategy and a little planning ahead, you can create a stable budget—even on an unstable income. Here’s how. […]

How to Create a Budget Binder That Keeps Your Finances Organized

GalleryJuly 11, 2025 kchristensenLeave a comment

If you’re a visual person who loves putting pen to paper, a budget binder might be your perfect money management tool. It helps you track bills, set savings goals, monitor spending, and stay organized all in one place. Here’s a step-by-step guide to creating a budget binder that actually keeps you on track. Step 1: […]

How to Create a Monthly Budget That Actually Works

GalleryJuly 7, 2025 kchristensenLeave a comment

A budget isn’t just about cutting back—it’s about having a plan for your money that brings you peace of mind and helps you reach your goals. But if your budget never seems to stick, or it falls apart halfway through the month, it might be time to try a new approach. Here’s how to create […]

How to Budget for a Vacation Without Going Into Debt

GalleryJuly 7, 2025 kchristensenLeave a comment

Dreaming of a getaway but worried about the cost? You’re not alone. The good news is you can enjoy a well-deserved vacation without maxing out your credit card. It all comes down to smart planning and budgeting. Here’s how to take a vacation you can actually afford—without the financial stress afterward. Step 1: Set a […]

How to Budget as a Couple Without Fighting About Money

GalleryJuly 2, 2025 kchristensenLeave a comment

Money is one of the top causes of stress in relationships, but it doesn’t have to be. When couples learn how to budget together, they build not only financial security—but also trust, teamwork, and shared vision. Here’s how to budget as a couple (without the arguments) and start working toward your financial goals together. Step […]

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