Clever Girl Finance

JANUARY 16, 2024

Even if you don’t need to cut back completely right now, it’s a good idea to know how to create a minimal-expense budget and have it ready so you are prepared in case of a financial emergency. There are many different ways to come up with your perfect budgeting strategy. Who needs a bare bones budget? What do bare expenses mean?

Budgeting 80

Budgeting Food Retirement Transportation 80

Clever Girl Finance

MARCH 19, 2024

Learning how to make a money vision board can be incredibly helpful for financial management. Using a vision board to achieve your money goals Expert tip: Keep a positive money mindset How do you format a vision board? After all, even though there’s still value in writing your money goals down, seeing is believing!

Retirement 79

Retirement Budgeting Accounting Planning 79

Gen Y Planning

DECEMBER 4, 2023

This season, you may feel overwhelmed with articles and content online about how to level up your finances in the new year – they’re everywhere! Everyone rattles off ideas about different resolutions you can set, how to automate your way to your goals, or different “hacks” to help you double the size of your bank account and retire by 45.

Planning 64

Planning Accounting Retirement Banking 64

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. Ultimately, just think of this as a formula that can help you track your money and how you use it. Keeping a record of your money ratios can also illuminate how these numbers change over time.

Numbers 75

Numbers Assets Retirement Budgeting 75

Clever Girl Finance

APRIL 15, 2023

It's a popular idea that saving 10% of your income is a smart way to start building a healthy savings account. No matter where you are in your savings journey, trying to save is always important. Regardless of how much or little that is. Not being able to save as much as you’d like is common.

Budgeting 76

Budgeting Retirement Accounting Taxes 76

MainStreet Financial Planning

DECEMBER 15, 2023

It is amazing getting a new house! But after scraping together a down payment, there are bound to be other costs. While saving for your house, giving yourself a cash stash for these incidentals (and sometimes not so incidental) will help the transition go smoother and hopefully, you won’t feel like bleeding money.

Planning 52

Planning Financial Planning 52

Clever Girl Finance

MARCH 29, 2024

When you’re budgeting and want to boost your savings, the last thing you might consider doing is spending more money. But there are situations where choosing quality over quantity can actually help you save more in the long run. Well, actually, there are plenty of times when knowing how to spend wisely will help your future finances.

Food 75

Food Budgeting Insurance Banking 75

Clever Girl Finance

MAY 2, 2023

Without short-term savings goals, it can be difficult to move the needle toward a brighter financial future. That said, short-term savings goals can help you to create a plan for your money and help you avoid procrastination. Let’s explore more about what these goals are, why you should set them, and how to reach them.

Budgeting 72

Budgeting Medicine Planning Certification 72

Carson Wealth

AUGUST 25, 2022

How much do I need for retirement?” Among these are your longevity, lifestyle, comfort with market performance, sequence of return risk, current health, housing plan, proportion of fixed to variable expenses, proximity to children and so much more. Housing costs have hit all-time highs. Housing costs have hit all-time highs.

Retirement Planning 98

Retirement Planning Retirement Planning Certified Financial Planner 98

Clever Girl Finance

FEBRUARY 28, 2023

Maybe you overspent on a housing project or didn’t account for a last-minute expense, but your budget got blown again. A budgeting binder also gives you space to save any receipts you may need in the future as well as space to utilize cash envelopes and develop sinking funds. What is a budget binder? What is a budget binder?

Budgeting 90

Budgeting Planning Accounting Management 90

Darrow Wealth Management

OCTOBER 1, 2022

Using extra income or savings to pay down a mortgage faster moves your most liquid asset (cash) into a very illiquid asset (your home). In the most extreme examples, this is referred to as being “house poor.” In the most extreme examples, this is referred to as being “house poor.” Is retiring with a mortgage a good idea?

Retirement 81

Retirement Taxes Math Wealth Management 81

Clever Girl Finance

JANUARY 22, 2024

That said, ideas on money saving challenges could be just what you need, as we could all use some extra money, especially in these trying times. Table of contents What is a money saving challenge? Why is it challenging to save money? How can I save $5,000 in 3 months challenge? What is a money saving challenge?

Accounting 65

Accounting Budgeting Banking Planning 65

Clever Girl Finance

DECEMBER 22, 2022

Adopting a lifestyle of minimalism saves money, simplifies many of life’s logistics, and ultimately gives you more freedom. Before you decide to dive in, it’s worth learning about what minimalism is, all the ways minimalism saves money, and how to implement minimalist principles in your own life. 8 ways minimalism saves money.

Insurance 100

Insurance Sales Assets Investing 100

Clever Girl Finance

NOVEMBER 4, 2023

Everything else Using percentages for your budget categories Expert tip: It’s ok if your budget categories change How do you plan your budget categories if you are focused on paying off debt? How many categories should I have for a budget? What are the four main categories in a budget?

Budgeting 79

Budgeting Insurance Retirement Food 79

Clever Girl Finance

DECEMBER 12, 2023

Most of us have heard of various ways to save cash that can really work. And something like saving can be easier if you make it fun. That’s why so many people love finding weird ways to save money, like funny and crazy money-saving challenges. How can I save $10,000 easily?

Budgeting 80

Budgeting Food Banking Accounting 80

MainStreet Financial Planning

OCTOBER 3, 2023

I recently sat down with a reporter doing an article on single mothers. Here is what we discussed. When did you become a single mother, and how? We stayed together another year as roommates and took turns being home with our daughter until we were able to sell our house. Mentally, it was much sooner.

Estate Planning 86

Estate Planning Financial Planner Insurance Retirement 86

Clever Girl Finance

MARCH 28, 2023

With the cost of living and household debts rising, it’s critical to understand how finances work so you’re in control of your cash. For example, show your kids how to start a side gig or create a fund to support them in saving for a house deposit. There’s never been a better time to learn financial literacy basics.

Budgeting 80

Budgeting Accounting Banking Retirement 80

Clever Girl Finance

APRIL 15, 2023

It's a popular idea that saving 10% of your income is a smart way to start building a healthy savings account. No matter where you are in your savings journey, trying to save is always important. Regardless of how much or little that is. Not being able to save as much as you’d like is common.

Budgeting 52

Budgeting Retirement Accounting Taxes 52

Clever Girl Finance

JULY 16, 2023

How do you split finances as a couple? 5 Steps to get started budgeting as a couple Figuring out how to budget can seem confusing in itself since there are so many ways to approach it. It comes down to six basic steps: 1. Budgeting as a couple is critical in managing your household finances.

Budgeting 74

Budgeting Communication Certified Financial Planner Accounting 74

Clever Girl Finance

MAY 2, 2023

Without short-term savings goals, it can be difficult to move the needle toward a brighter financial future. That said, short-term savings goals can help you to create a plan for your money and help you avoid procrastination. Let’s explore more about what these goals are, why you should set them, and how to reach them.

Budgeting 52

Budgeting Medicine Planning Certification 52

Clever Girl Finance

SEPTEMBER 26, 2023

Whilst it’s hard to admit that you don’t have the funds for a massive house or a brand new car, it’s essential if you want to start living below your means. That said, in this article, you’ll learn how to create a financial plan to set yourself up for financial success and resist living above your means.

Budgeting 85

Budgeting Financial Planning Planning Electronics 85

Good Financial Cents

APRIL 8, 2023

In fact, this choice is often based on a person’s tolerance for risk, and how often they prefer to switch cars. If you want to own a car outright — and to enjoy some time without a dreaded car payment — buying a car is the obvious choice. Leasing a car can also mean a more affordable monthly payment, depending on your scenario.

Insurance 98

Insurance Budgeting Insurance Coverage Taxes 98

Clever Girl Finance

APRIL 11, 2024

Table of contents How to achieve your goals: 5 Key ways Expert tip: Don’t get discouraged Examples of ways to achieve your goals What is stopping you from achieving your goals? Articles related to achieving your bgoals Leverage these tips and examples of how to achieve your goals! What is the first step towards achieving a goal?

Retirement 79

Retirement Planning Accounting Budgeting 79

Clever Girl Finance

JUNE 12, 2023

Finding creative ways to save money can make all the difference when it comes to your personal finances. Saving money whenever possible is important. It can help build your emergency fund, save for a vacation, or even free up money so you can start investing. Table of contents Top 33 creative ways to save money!

Budgeting 76

Budgeting Insurance Accounting Food 76

MainStreet Financial Planning

SEPTEMBER 16, 2022

There was big news earlier this month when the White House administration announced most student loan borrowers could qualify for $10k in forgiveness. The basics of the PSLF program are still the same, you will need to work full time for a qualified employer and make 120 on time payments to an eligible loan.

Education 92

Education Certification Government Planning 92

Clever Girl Finance

AUGUST 30, 2023

If you want to give this tried and true business strategy a spin, keep reading to find out how to buy a laundromat. Table of contents How to buy a laundromat Expert tip: Remember passive income takes time Is buying a laundromat a good idea? How is a laundromat valued? Can I buy a laundromat with no money?

Investing 93

Investing Investments Valuation Management 93

Clever Girl Finance

JANUARY 22, 2024

Are you looking to jumpstart your savings? Does saving money feel too hard or even too boring at times? You can turn saving into a game and complete a 6 month savings challenge! Table of contents What is a 6 month saving challenge and why should you do one? How can I save money quickly in 6 months?

Budgeting 52

Budgeting Accounting Banking Food 52

Clever Girl Finance

SEPTEMBER 7, 2023

8 steps for how to create a family budget that actually works Expert tip: budget for irregular expenses Why should you specifically have a “family budget”? 8 steps for how to create a family budget that actually works Expert tip: budget for irregular expenses Why should you specifically have a “family budget”?

Budgeting 77

Budgeting Transportation Medical Insurance 77

Clever Girl Finance

JANUARY 22, 2023

Whether you're asking "How much should you have saved by 25?" or "How much should you have saved by 40?" you know that saving for your future is always critical. So, learning about the average savings by age can help you size up your finances to see if you are on the right track.

Retirement 84

Retirement Accounting Assets Budgeting 84

Clever Girl Finance

SEPTEMBER 19, 2023

While it’s easy to spend more cash than you mean to, it’s equally difficult to learn how to stop spending money. How to stop spending money: 5 Key focus areas Expert tip: Focus on improving your habits 5 Tips to help you be mindful with spending money I’ve learned how to stop spending money, now what?

Budgeting 79

Budgeting Food Accounting Planning 79

MainStreet Financial Planning

AUGUST 24, 2022

How do we make sure we are not overspending and under-saving? and 20% to financial goals (retirement contributions, saving for a house, debt paydown, college saving, etc.). .); and 20% to financial goals (retirement contributions, saving for a house, debt paydown, college saving, etc.).

Financial Planning 52

Financial Planning Retirement Planning Retirement Planning 52

Clever Girl Finance

SEPTEMBER 15, 2022

The goal is to ensure that the buyer has the means to cover the down payment and any closing costs associated with the loan. You could either buy the house in cash outright or make a down payment to secure a mortgage from a lender. Buying a home is an exciting prospect. But what is proof of funds? Cash buyer.

Banking 90

Banking Accounting Numbers Sales 90

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.

Retirement 63

Retirement Accounting Taxes Insurance 63

Darrow Wealth Management

JUNE 26, 2023

Mortgage cost Some would-be second home buyers might also be surprised at the cost of getting a mortgage on a vacation house. Mortgage cost Some would-be second home buyers might also be surprised at the cost of getting a mortgage on a vacation house. Lenders do differ in this regard, but you’ll need to do some homework.

Insurance 85

Insurance Taxes Wealth Management Planning 85

Random Roger's Retirement Planning

DECEMBER 20, 2023

A lot of people have nothing saved, so says the article and if that is correct, then yes it will be very difficult and they will have to figure a lot of things out but even the oldest in the cohort have quite a bit of time to get to work on a solution. There is not necessarily a wrong answer to this. Onto the comments.

Retirement 60

Retirement Retirement Planning Medical Planning 60

Clever Girl Finance

JUNE 21, 2023

How to become wealthy Is wealthy considered rich? How much money is wealthy? It comes down to how much cash you have in your bank account. People who are rich might drive a fancy car, live in an amazing house in the best part of town, or have a high-paying job, but it comes at a cost.

Assets 88

Assets Investing Investments Accounting 88

Clever Girl Finance

MAY 3, 2023

If you’re finding it challenging to make ends meet, and saving money seems impossible, it’s time to learn how to drastically cut expenses. Table of contents Why you might need to learn how to drastically cut expenses 12 Tips for how to cut expenses to the bone Expert tip Tips to be creative in earning more!

Budgeting 52

Budgeting Insurance Food Planning 52