If you’re ready to start budgeting, get out of debt, and save more money, you’re in the right place. Start here with these top posts for everything you need to know:
Personal Finance 101
This four-part series will start you on the path to financial independence. It includes everything you need to know to make changes in your financial life today. These steps are the basic principles I teach on Fringe Finance:
How to Create a Budget – Learn how to create a budget so you can get out of debt and save more money for the things you want. This is my personal budgeting method and I’ve used it for many years with success. Don’t put it off any longer. Take back control of your finances!
How to Track Your Spending – After creating a budget, the single most important thing you can do to control your money is track your spending. You should know where every dollar goes to make sure you’re sticking to your budget. Learn three different methods of tracking and choose the one that works best for you.
How to Save Money – Saving money doesn’t come naturally to everyone. My natural inclination is to spend, and I had to teach myself how to save. After quite a few failures, I finally figured out what works. In this post, I’ll show you how to save money for emergencies, retirement, and all the other fun stuff you want.
How to Pay Off Debt – Are you ready to pay off the debt that’s been holding you back? With a good repayment plan and some self-discipline, you can be debt-free faster than you think. Learn how to face your debt, set attainable goals, and create a repayment plan that works with your budget.
How to Use Zero-Based Budgeting to Save More Money – Zero-based budgeting helps you save more money and pay off more debt. With this method, you decide where every dollar goes, and then put your money to work. Learn why this is the best budgeting method for controlling your spending.
How to Use the Cash Envelope System for Budgeting – The cash envelope system will help you stick to your budget and stay out of debt by making it harder to overspend. I’ll show you how it can work for you. (Hint: It’s super easy.) Start using cash envelopes today to finally control your overspending.
5 Reasons You Should Spend Money on Travel – Should you spend money on travel? Here are five reasons why traveling is worth the cost. Not only is it an investment in your personal happiness, travel can also improve your relationships, health, and work performance. Don’t think you can’t save money and still travel – you can have it all.
How to Save an Emergency Fund in Five Simple Steps – An emergency fund can prevent financial disaster when you’re faced with unexpected expenses. Be prepared with a fully funded savings account, and you won’t be caught off guard when the car breaks down or you get sick. You’ll be on your way to financial security in five simple steps.
How to Use the Debt Snowball Method to Pay Off Debt – If you’re a natural spender and you find it hard to make debt payments, try the debt snowball method. It’s the method I personally use to keep paying down debt month after month. Reward comes quickly, and you’ll be debt-free before you know it!
How to Use the Debt Avalanche Method to Pay Off Debt – The debt avalanche method is a debt repayment strategy that targets your highest interest debts first, so you’ll be debt free sooner and pay less in interest. But is it right for you? If you have self-discipline and don’t need the fast victories you’ll get with the snowball method, the avalanche makes more sense in the long run.
Capital One 360 Savings Account Review – This is my experience with the Capital One 360 Savings account. You might want to check it out if you’re looking for a place to put your short-term savings or emergency fund. The savings tracker is the best feature, allowing you to create sub-accounts and track up to 25 different goals.
How to Use My Free Budget Tracker Spreadsheet in Excel – Create a budget and track your spending with my Free Budget Tracker Spreadsheet, an Excel monthly budget template that makes household budgeting easy. In this video tutorial, I’ll show you how it works and how you can get started right away with your own awesome budget.