Practical Ways To Live Below (or Within) Your Means

Lately, there has been a lot of uncertainty in terms of economies and unemployment worldwide. We’re seeing many people - maybe even ourselves, or someone we know - who are feeling the difficulty of making ends meet. Money is the number 1 cause of stress for Americans, and that was even before this whole pandemic situation. It is more important, now more than ever, to try and live below (or within) your means. It doesn’t matter how much (or how little) you earn, if you cannot manage your spending. Below are some practical ways to do this. It may not be for everyone, and you don’t have to do everything on the list. But hopefully, a couple of the tips below can help you if you are in a challenging financial situation.

Having An Emergency Fund Has Kept My Peace Of Mind

I was recently made redundant at work. It’s not uncommon nowadays, with unemployment rates rising all over the world due to Covid-19. Of course, it initially caused me to feel stressed and overwhelmed, but that’s also mainly because I am dealing with other stuff aside from (actually, bigger than) work.

Sneaky Ways To Save Without Feeling Deprived

Saving money may not come naturally for some people. Just the conscious effort of saving can make a person feel cheap and deprived. Thinking of saving long term can make it seem even more challenging! However, saving money doesn’t have to feel miserable. Here are some sneaky, little ways to save a couple of bucks without making you feel deprived.

Frugal Tips For Your Home

As far as I can remember, I have always lived frugally, and I am proud of it. I make it a point to save some of my income (or allowance, when I was still a student), even if it’s just a tiny bit. Some might think that I am depriving myself by living frugally, and … Continue reading Frugal Tips For Your Home

Saving Money for Beginners

If you can barely pay your bills and are just scraping by every month, saving money will probably be last thing on your mind. It’s true that it is much easier to spend than to save. Unfortunately, life is very unpredictable and unforeseen things happen that can put a huge dent on your finances - sometimes prompting you to get a loan. And with a loan comes interest, and you get caught in a vicious cycle of burying yourself in debt. Having a good amount of savings can lessen the financial effect of having these emergencies.