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20 Smart Tips For Grocery Shopping On A Budget

Clever Girl Finance

Let’s talk about grocery shopping on a budget. You can cut lattes and your cable bill, but the one thing you can’t cut from your budget? Whether you’re a student on a low budget or a parent trying to keep the food bills at bay, we could all use some tips on managing our grocery budget properly so we can save more money.

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10 Most Useful Personal Finance Ratios And How To Apply Them

Clever Girl Finance

The term personal finance ratios might be giving you flashbacks to math class. In mathematical terms, a ratio is essentially a way to compare two numbers to each other. Since personal finance is all about numbers, that can come in handy in many ways! You might be cutting out some of your “fun” budgets for this one.

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Sinking Funds: Why You Need Them. How To Set Up Yours!

Clever Girl Finance

Do you cut down on the rest of your budget? Without a doubt, in the coming months, an expense will likely come up that is outside of your usual budget. Surely it's a no-brainer to use your savings to cover some of your off-budget expenses , right? Divide the amount needed by the number of months. How will you pay for it?

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What Is The 70-20-10 Budget?

Clever Girl Finance

If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.

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In the Market for a Big Purchase? Why You Might Want to Hold Off

Your Richest Life

That number fell to 1.6 Additionally, keep an eye on your budget and consider refinancing when rates fall again. You should also do the math to make sure you have a clear idea of what you can afford. Until then, just be mindful of your budget and what you can truly afford, and try to hold off on major purchases if you’re able.

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How To Use Money Journaling: Improve Your Mindset And Your Finances

Clever Girl Finance

It's more than just math. To make it a money journal, you also need to write down how you feel about all your spending in addition to the numbers. For example, you might have a monthly budget but are you sticking to it? And isn't a good mood something worth budgeting for? This is the secret ingredient.

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The 50-30-20 Budget: How It Works + A 50-30-20 Budget Template

Clever Girl Finance

Like many, you might shudder at the word budget. But the 50-30-20 budget and the 50-30-20 budget template prove it doesn't have to be difficult. A budget plans out exactly how you'll use your money and this can be tailored to suit your specific lifestyle and situation. What is a 50-30-20 budget?