The 50/30/20 Budgeting Rule Will Change Your Life

How do you budget? There are apps and various systems that can help you take control of your finances. The 50/30/20 budgeting rule is very sensible and can be started at anytime.

A budget is having a plan for every dollar that you have. It makes you more conscientious of your spending habits.

Article By Aura Bea Carter

8 Income Streams For People Who Are Serious About Building Wealth

Passive income is one of the best wealth-generating tools, and it can serve as a safety net if you lose your job and are left without an active income source.

This doesn’t mean that there’s no effort used at all, in some cases, you’ll need to put down an initial investment and wait for it to generate income.

Remember that this is not a way to earn a fortune overnight. Instead, this type of income can grow over long periods.

Having access to various types of passive income will make you less reliant on your primary source of income and allow you to achieve financial independence.

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How To Improve Credit Score 100 Points

📊 Is Boosting Your Credit Score 100 Points Really Possible?

If your credit score is lower than you’d like, there may be fast ways to bring it up.

Scores in the “fair” and “bad” areas of the credit score ranges could see dramatic results.

Here are 9 strategies to quickly improve your credit:

  1. Pay credit card balances strategically
  2. Ask for higher credit limits
  3. Become an authorized user
  4. Pay bills on time
  5. Dispute credit report errors
  6. Deal with collections accounts
  7. Use a secured credit card
  8. Get credit for rent and utility payments
  9. Add to your credit mix

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The Easiest Budget Planner For Beginners

Take control of your finances & live a happier life.

Great for beginners & those who have been struggling with how to balance their money.

Start planning vacations and other expenses with ease and track where your money is going each month.

Find it here:

3 Ways To Start A Savings No Matter How Much You Make

When it comes to saving money many people assume that they don’t earn enough money for any extra to go to the side. But the thing is even if you are living paycheck to paycheck it is still possible to put some money to the side. Chances are no matter how frugal you are, you still end up making purchase of some kind that isn’t necessary.

You can be the type who only buys what they need, but out of those needs are you only purchasing the least expensive store brand version? Do you bring your lunch everyday and never eat out 365 days out the year? Are you creating a budget and sticking to it monthly no matter what?

Odds are there are things that you buy that you don’t have to. They aren’t needed but in the moment of pleasure or convenience you buy them without hesitation. I am not here to tell you how to spend your money, but I am here to tell you that it is possible for you to start a savings.

Here are three clear ways to start putting money away for a rainy day or even retirement.

1. Set Up Automatic Transfers Through Online Banking

Many people have both a checking account and a savings account but they only use their checking. No matter if you bank with a retail bank or credit union, online access to your accounts is available. If you haven’t already activate your online banking and setup an amount you can afford to transfer automatically from checking to savings.

What I mean by can afford is start with a small amount monthly. Say, $5-$20 on the first. As time goes on increase the original amount with another $5-10. If you are not in the position to save and your account goes negative from time to time, this I not recommended.

Earn $50 When You Open A Chase Account

2. Start A Money Jar

Back in the day piggy banks were popularized with that final day of it being completely full arriving and the owner breaking it with a hammer. No one I know owns a piggy bank and there was much emphasis on putting leftover change in them. Nowadays most people don’t have change especially since the peculiar national coin shortage that came and went a year ago.

With a money jar you can see how your money is adding up and if needed you can simply twist the top off and take what you need. Not everyone feels completely comfortable with keeping all of their money in the bank and as long as your home is safe this can be a good alternative.

3. Put Money In Envelopes

Many people like the idea of saving for multiple purposes. It may be that you don’t want one savings and you have different goals that you need money put aside for. Write on the envelope what you are saving towards. As previously suggested add to it, or them, when you can.

This method is so popular that you can go online and find clear money pouches with savings goals already on them to get you started.


Limiting your beliefs to saying what you can’t do will keep you from moving forward in your life. Personal finance is personal. Meaning, it’s up to the individual to learn how to make the best decisions money wise.

Article By Aura Bea Carter

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Need help with learning how to budget? Order the Budget Planner For Beginners for just $12.97.