Clever Girl Finance

JANUARY 17, 2023

Many of us associate budgets with being an annoying part of managing our financial lives. At worst, some of us think of budgets as a major constraint on how we would like to live our life. But a deeper understanding of the purpose of budgets might make sticking to it a bit more palatable. What is the purpose of budgets?

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Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

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Clever Girl Finance

DECEMBER 13, 2023

Saving money is an important task at any age, but as you hit your 40s, the need to save for retirement grows. While savers in their 40s and 50s typically have a decade or two left to save for retirement given the traditional age of 65, emphasizing saving now can set you up for a dream-worthy retirement.

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Good Financial Cents

JANUARY 26, 2023

Early retirement has become a popular financial goal. Even if you never retire early, just knowing that you can is liberating! Can You Really Retire at 50? Can You Really Retire at 50? Table of Contents Can You Really Retire at 50? FAQs on Retiring Early at 50 It’s a big bold claim – retire at 50?

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Clever Girl Finance

AUGUST 4, 2022

Budgeting isn’t just about making sure you have enough to pay for the bills each month. In this article, you'll learn about the different types of sinking funds categories to help you build out your budget and live debt-free. This is to ensure you’re not going over your budget when a big event like a wedding or a birthday comes up.

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Clever Girl Finance

JULY 10, 2023

Perhaps you’re craving some fun stay at-home date night ideas but need them to be budget-friendly as you work on your financial goals. 43 Fun at-home date night ideas to try with your partner It can be challenging to stick with a budget while dating because the average date night costs a whopping $159 —ouch! Need inspiration?

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Clever Girl Finance

OCTOBER 24, 2022

And maybe you're craving some fun stay at home date night ideas but need them to be budget-friendly as you work on your financial goals. Some may find it difficult to stick with a budget while dating because the average date costs roughly $100; this equals two dinners, a bottle of wine, and movie tickets—ouch! Plan a board game night.

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Zoe Financial

MARCH 22, 2023

What comes to mind when thinking about retirement? By understanding the inner workings of retirement income, you can enjoy retirement without worrying about finances. The starting point is understanding your retirement needs and how you’ll pay for them. The last thing you should do is worry about your finances.

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Clever Girl Finance

APRIL 29, 2024

The recommended amount for your emergency savings is to have 3 to 6 months of basic living expenses i.e. for food, housing, transportation, core utilities, etc. There are a variety of different budgeting methods , so you should pick the one that appeals to you most. Haven’t started a retirement account yet?

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Clever Girl Finance

SEPTEMBER 19, 2023

A lack of planning or failing to budget is one of the big budget challenges. Even with the best intentions, creating and sticking to a budget is not always easy, so people may spend more than they intended simply by not planning or forgetting about their budget. There is also the tendency to buy things on impulse.

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Nationwide Financial

JUNE 8, 2023

The Rule of 25 for retirement strategy suggests saving 25x the annual amount needed for spending in the first year of retirement, but it doesn’t account for the age when someone might retire. The 80% Rule states that you’ll need to replace 80% of your pre-retirement income. Saving requires a certain level of commitment.

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Clever Girl Finance

SEPTEMBER 4, 2022

Save more by making your own food. One option is to make your own food. Eating in restaurants and fast-casual places, as well as buying drinks and snacks on the go, can wreak havoc on the budget. A road trip food stop may be fun, but what if you could save more—and live better—by changing it up?

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Clever Girl Finance

JANUARY 22, 2024

Instead, we need to resort to living on an extreme budget and finding extreme ways to save money. I couldn’t eat chicken for years after that, but my mom’s ingenuity helped keep food on the table even when money was tight. And you’ll need to make sure you are getting enough protein through foods like nuts and chickpeas.

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Clever Girl Finance

JUNE 12, 2023

New month, new budget Create a new budget for each new month as one of the creative ways to save money. No two months are quite the same, so adjust your budget accordingly. Not a fan of budgeting? You probably need to try out a few different methods to find better budgeting that works for you.

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Clever Girl Finance

JULY 3, 2023

Love it or hate it, if you want to be financially successful, you need to budget your money and understand budget categories. Getting your finances in order and building wealth takes planning, and your budget can help you do just that. Determine which budgeting methods will work for you 2. Table of contents 1.

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Clever Girl Finance

JANUARY 25, 2023

You have money to build an emergency fund, contribute to a retirement fund , or go on a dream vacation. It’s a great starting point to help you create a realistic budget for yourself. Create a budget Staying out of debt takes more than tracking your income and spending. You have to be proactive, that’s why you need a budget.

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Clever Girl Finance

SEPTEMBER 12, 2022

Budgeting is an important tool that lets you guide where you want to spend your money. But it can sometimes be overwhelming because there are so many different ways to budget. That said, the 60-20-20 rule is a simple budget you can follow to help you save more and spend less. The 60-20-20 method is a percentage-based budget.

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Clever Girl Finance

JANUARY 26, 2023

For example, someone who is financially stable might have the willpower to stick to their budget. It's about stability with money Importantly, you don't need to become a millionaire or have the funds to retire immediately to consider yourself financially sound. You can break down your budget based on different spending categories.

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Nationwide Financial

MARCH 18, 2023

Setting goals, creating a budget, and saving automatically can be great ways to budget for a big trip. Be sure to help them include things like transportation, food, lodging, and excursions in their estimate. Create a budget: Once they have a specific goal in mind, create a budget.

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Clever Girl Finance

AUGUST 10, 2023

Budgeting is one of the most important financial habits to develop. There are so many budgeting methods out there to choose from, but it’s not just creating a budget that will set you up for financial success. How do I plan for variable vs fixed expenses in my budget? What are average expenses for a household?

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Envision Wealth Planning

SEPTEMBER 14, 2022

These women will tell you to maintain a habit of creating and sticking to a budget now. Whether you use envelopes filled with cash, earmarked for food, an Excel spreadsheet, or an app like Mint. The point is to start on the right foot by tracking what you save and spend to stay within your budget. Pick a style and use it!

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Clever Girl Finance

OCTOBER 16, 2023

Create a budget to prioritize spending One of my favorite examples of living frugally is creating a budget by paycheck to follow. Budgets get a negative reputation at times, but they don’t have to be restrictive. When you use a budget, you’re telling your money where to go each and every month.

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Clever Girl Finance

OCTOBER 29, 2022

Undeniably, it can feel really debilitating to be on a bare-bones budget. Instead, invite friends over for a BYOB and BYO-food game night. From animal shelters to your local food bank to Big Brother/Big Sister programs , you can do something you love and give back to your community. Dream of retiring early? for everyone.

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Clever Girl Finance

OCTOBER 9, 2023

Whether you’re working for yourself or have an irregular job schedule, budgeting on an irregular income can be tough. But creating a budget for this type of income is easy to learn! Table of contents Budgeting when you have an irregular income 1. Create your baseline budget 2. Can you budget with an irregular income?

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Clever Girl Finance

APRIL 24, 2023

Money worries can happen to anyone at any time, but you’re more likely to feel anxious about money if you have: Raised with deprivation If you’ve ever had to go without food because money is tight, you will naturally be cautious about your spending habits to protect your resources. And to do this, you need to budget.

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Clever Girl Finance

FEBRUARY 6, 2023

You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to retirement and more. Then, create or refer to your spending journal or a budgeting tool to see how much you’re spending every month. You might be cutting out some of your “fun” budgets for this one.

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Clever Girl Finance

DECEMBER 13, 2023

Budgeting isn’t just about making sure you have enough to pay the bills each month. These can help you build out your budget and live debt-free. According to PR Newswire, 80% of Americans have a budget. Then aim to save that sum every month in your “wedding budget breakdown” fund. Why do sinking funds categories matter?

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Budgeting Medical Accounting Transportation 75

eMoney Advisor

DECEMBER 21, 2022

Goal-based planning is a good option when you don’t have all the client’s financial details, but they’re asking for help reaching specific individual goals, such as setting a budget, saving for an emergency fund, or paying off a student loan. Their budget? Rising food prices? Rising food prices?

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Clever Girl Finance

DECEMBER 26, 2022

Well, it’s not just what you do; it's what you DON’T do that can make or break your house budget. Your retirement savings goals are impacted. Some retirement funds, such as a Roth IRA, allow you to loan yourself funds from your retirement account to buy your first home. Try to budget with one income. Maintenance.

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Budgeting Retirement Taxes Numbers 85

Clever Girl Finance

APRIL 24, 2023

Money worries can happen to anyone at any time, but you’re more likely to feel anxious about money if you have: Raised with deprivation If you’ve ever had to go without food because money is tight, you will naturally be cautious about your spending habits to protect your resources. And to do this, you need to budget.

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Budgeting Planning Accounting Banking 52

Clever Girl Finance

APRIL 24, 2023

Money worries can happen to anyone at any time, but you’re more likely to feel anxious about money if you have: Raised with deprivation If you’ve ever had to go without food because money is tight, you will naturally be cautious about your spending habits to protect your resources. And to do this, you need to budget.

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Budgeting Planning Accounting Banking 52

Clever Girl Finance

JANUARY 16, 2024

Set up a budget Learning to budget before leaving home is an essential life skill. Setting up a budget will help you take control of your finances and understand what you make, spend, and can afford. Additionally, having a budget will help prevent you from going into debt in the future.

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Random Roger's Retirement Planning

SEPTEMBER 22, 2022

A couple of different posts related to retirement from Humble Dollar to look at today. We talk about padding retirement budgets for unbudgetable expenses by $1000/mo or some other number relevant to your circumstance and history with unexpected one-offs. The last thing I would hope anyone would cut back on is healthy food.

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Clever Girl Finance

SEPTEMBER 11, 2023

Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!

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Gen Y Planning

NOVEMBER 2, 2023

It allows them to plan and build a better budget for their expenses. It also allows you to even out your giving throughout the year and work it into your monthly budget. It’s truly whatever is best for you and feels suitable for your budget. Charities are especially appreciative of recurring giving. Energy or skills.

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Your Richest Life

JUNE 15, 2022

Here are some strategies you can use to stay on track, even as prices continue to rise: Go Back to Your Budget. Spending more on food, gas and just about everything else can add up fast. You will probably have to revisit your budget regularly as prices continue to fluctuate, but that’s a good habit to get into anyway.

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Clever Girl Finance

OCTOBER 4, 2022

Food and drinks, groceries. Food and beverage. Food and beverage are also recession proof industries. While people may cut back on splurges like eating out at restaurants, they will still splurge on core food staples. Demand is likely to continue as more and more people in the Boomer generation reach retirement.

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