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10 Tips to Making (Healthy) Groceries Budget-Friendly

January 30, 2023 by Brett Tams

Welcome to the first of a six-part collaboration between Mint and Brewing Happiness. I’m Haley, the girl behind Brewing Happiness – a blog about celebrating the small healthy choices we make in our lives, complete with recipes for everybody! As a food blogger, I know a thing or two about how expensive healthy food can

The post 10 Tips to Making (Healthy) Groceries Budget-Friendly appeared first on MintLife Blog.

Posted in: Budgeting, Food Budgets, Liefstyle Tagged: 2, 2022, All, app, Apps, at home, author, before, best health food, best healthy foods, big, Blog, Budget, budget eating, Budgeting, budgets, building, Choices, collaboration, color, containers, cooking, cost, couple, Credit, data, Deals, Debt, dining, dining out, Easter, eating healthy for cheap, eating out, expense, expenses, expensive, Family, Finance, Financial Freedom, Financial Planning, Financial Wize, FinancialWize, food, food budget, Food Budgets, foodie, foundation, freedom, friendly, frugal, frugal grocery budget, fruit, fun, good, great, groceries, grocery, grocery bill, grocery budget, Grocery Shopping, grocery stores, guide, habits, Halloween, Happiness, healthy, healthy eating, healthy food, healthy recipes, heat, home, household budget, Housing, How To, Income, interview, inventory, items, kids, kitchen, layout, Learn, Life, list, Live, low, Main, Make, making, meal planning, meal prep, Mint, mint.com, mobile, money, More, net worth, new, new year, Other, parents, party, Personal, personal finance, plan, Planning, prep, Recipes, resolutions, restaurants, sales, save, Saving, Saving 101, second, shopping, shopping list, shopping tips, single, skill, Spending, stock, stress, Style, survey, time, tips, title, Transportation, united, vacations, white, work

Visualize your budget flows with a Sankey diagram

January 30, 2023 by Brett Tams

There’s a new fad in the financial independence subreddit, one that might be fun for Get Rich Slowly readers to play around with. People have discovered Sankey diagrams, a type of chart that makes it easy to visualize data flows. That sounds sort of geeky, I know, so it’s probably best to show an example. Or four.

Perhaps the most famous example of a Sankey diagram (certainly the example I’ve seen most often) is Charles Minard’s map of Napoleon’s disastrous invasion of Russia:

Minard's famous map of Napoleon's invasion of Russia

Posted in: Budgeting, Personal Finance Tagged: All, architect, Budget, Budgeting, budgets, build, data, earning, expense, expense tracking, expenses, financial independence, Financial Wize, FinancialWize, fun, fund, graph, Graphic, home, household, Income, Life, Make, Money Hacks, More, new, plan, Popular, Purchase, resume, rich, sankey diagrams, Spending, student, Style, time, title, tracking, visualizations

The end of the road: Preparing to buy a new car

January 29, 2023 by Brett Tams

Yesterday, Kim and I joined my cousins for an afternoon trip to the Oregon Coast. Our aim was to harvest a bounty of clams. We came home with zero. We managed, however, to harvest a bounty of mussels. Plus, the dog had fun.

Duane, Kim, and Tally at Cannon Beach

My cousin Duane carpooled with us to and from the beach. We rode in Kim’s car: a 1997 Honda Accord that’s showing signs of its age.

“It’s a little warm in here,” Duane said about ten minutes into our drive. “Would you mind turning down the heat?”

“Well, I can’t turn down the air,” Kim said. “It’s stuck on high. But I can turn down the temperature.” She laughed as she demonstrated that the knob for the air volume has broken off at the post. The vents now permanently blow at full force.

“This car is falling to pieces,” I said. “Literally.” As if to prove my point, a bit of molding fell from a roof handle. I picked it up and wedged it back into place.

“I like my car,” Kim said. “I have an emotional attachment to it. But I’ve come to the realization that it’s time to start searching for something else.”

More and more, it looks like our vehicles have reached the end of the road.

Posted in: Budgeting, VA Loans Tagged: adventure, air, All, Arizona, beach, before, big, Budget, Budgeting, budgets, Buy, Buying, buying a new car, california, car, car buying, cars, cents, country, couple, data, Debt, deck, driving, electric, electric car, exercise, Financial Wize, FinancialWize, fun, gap, good, great, heat, hold, home, idaho, Lifestyle, love it, Make, math, miles, Mini Cooper, model, money, More, Move, needs, new, Oregon, Other, party, plan, Planning, priorities, Purchase, ready, rental, Research, rich, RV, Saving, searching, Sell, Spring, summer, Tally, Tesla, time, timeline, title, Transportation, trust, upgrade, value, vehicles, volume, wall, washington, will, winter, women, young, youtube

Dear Penny: My Handyman Says I Should Tip Him $20/Job. Seriously?

January 29, 2023 by Brett Tams

Dear Penny, I had a handyman with two helpers do remodeling in my house over a period of many months. Sometimes, all three came to my house; sometimes, he sent one or the other to work at my house.  The last job he did for me, he said on his way out the door that […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Apartment Decorating, Budgeting Tagged: 2022, advice, All, Appreciate, ask, big, Budgeting, business, clear, company, couple, data, dear penny, decision, earning, evergreen, expectations, Financial Wize, FinancialWize, Freebies, General, gig, habits, house, job, jobs, making, market, money, More, more money, neighbors, new, Original, Other, paycheck, Personal, planner, questions, rate, Rates, ready, remodeling, Research, right, save, Save Money, second, SEO, single, story, time, tipping, tips, title, trust, unique, value, wants, white, will, work, workers

6 tips for getting fit on a budget

January 29, 2023 by Brett Tams

Want to get in shape? Don’t worry—it doesn’t have to cost you half your paycheck.

The post 6 tips for getting fit on a budget appeared first on Discover Bank – Banking Topics Blog.

Posted in: Budgeting, Frugal Living, Money Etiquette Tagged: All, Applications, ask, Bank, Banking, before, biking, Blog, Books, Budget, Budgeting, Buy, Buying, city, classpass, clear, Clothes, Clothing, consignment, cost, coupons, craigslist, creativity, Deals, Discounts, discover, Entertainment, expensive, finances, Financial Goals, Financial Wize, FinancialWize, fitness, Frugal Living, garage, garage sales, goals, good, great, gym, gym membership, hold, home, home gym, How To, items, Learn, Lifestyle, Local, LOWER, money, Money-saving Tips, More, offer, offers, Other, paycheck, Personal, Popular, programs, Quick Tips, Rates, refer a friend, resale, running, sales, save, Save Money, Saving, simple, summer, time, tips, Travel & Leisure, vacation, Websites, work, work out

Best budgeting apps of 2021

January 28, 2023 by Brett Tams

 

YNAB: You Need a Budget Review

If you’re ready to account for where every cent of your money goes, You Need a Budget could work for you. The app is based on the premise of “giving every dollar a job,” meaning you budget for every expense — fixed, discretionary or otherwise. Want to buy a new purse or pair of shoes? If your monthly clothing budget is $100, then you may not be able to afford it this month. Friends want to double date at that trendy new Italian restaurant? It may not be in your $200 dining out budget.
You Need a Budget Logo
The app makes budgeting straightforward, allowing you to see how much over or under you are for a particular line item. But it’s best for people who want to get serious about how much they actual spend and where they may need to make sacrifices to achieve a larger goal.

What I Liked

Zero-based budgeting is tough, but I can see its value. You have to account for every dollar coming in, either using it to cover monthly household expenses, pay off debt, for dining out and for what YNAB calls “quality of life” expenses like vacation. During this process, I realized that I’m not as good a budgeter as I thought. I do a good job of tracking our spending after the fact, but I could improve when it comes to setting aside money for specific purposes — basically being more financially proactive. For example, before using this app, I had no idea how much my husband and I spent each month dining out and we never really set aside a specific amount for this purpose. It was more like “we’ll eat out no more than two times a week.” I also had no gauge of my own discretionary spending, since this money comes out of my personal account. Using the tool allowed me to see that we spend less than $200 a month eating out, but that I need to keep a better eye on my discretionary spending for things like beauty and hair products and anything from Amazon.com (Amazon Prime admittedly has turned me into a shopping junkie). We plan to buy a house within a few years, so YNAB allowed me to see that these are two areas where we (or I) could curb spending and put that additional money toward a down payment. Actually seeing the budget also showed me that we could be saving more. We have more cushion than we need in our account for household expenses, so it might be better to put more of that money toward retirement or paying down my student loans.

Posted in: Budgeting, Personal Finance Tagged: 2, 2016, 2021, aid, All, Amazon, amazon prime, android, app, apple, appliances, Apps, Auto, auto insurance, balance, Bank, bank account, bank accounts, bank of america, Banking, banks, bar, basic, Beauty, before, big, bills, Blog, blue, Budget, Budgeting, budgeting apps, budgeting tools, budgets, building, business, Buy, buy a house, Buying, Buying a house, capital one, car, Car Insurance, charitable donations, Checking Account, Clothing, coffee, College, college student, color, color-coded, company, cost, couple, Credit, credit card, customer service, data, debit cards, Debt, deposit, Digit, dining, dining out, down payment, eating out, Emergency, Entertainment, entry, envelope system, expense, expenses, Fall, Family, FDIC, Fees, Finance, finance app, finances, financial goal, financial habits, Financial Plan, Financial Wize, FinancialWize, Fintech, fixed income, free download, friendly, fun, funds, gas, get started, Getting Out of Debt, Getting Started, Giving, goal, goal setting, goals, good, Google, Graphic, great, grocery, Grocery Shopping, Guides, habits, health, helpful, history, home, house, household, ideas, Income, Insurance, interest, internet, Investing, investment, investments, iPhone, items, job, Life, list, lists, Live, Loans, Local, low, lyft, Make, making, millennials, Mint, mint.com, mistake, mobile, Mobile App, money, monthly expenses, More, Mortgage, multiple income streams, needs, net worth, new, offers, online purchases, Other, patterns, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, personal information, phone numbers, pie, plan, premium, pressure, proactive, products, Purchase, quality, questions, Rates, ready, Rent, restaurant, retirement, Revenue, Review, Reviews, right, running, safe, save, Save Money, Saving, savings, Savings Account, savings goal, scams, School, searching, second, security, self-employed, Sell, selling, shopping, simple, single, Software, Spending, spending report, spouse, starbucks, startups, Strategies, student, Student Loans, Tally, Technology, time, title, tools, tracking, traditional, Transaction, Transportation, trends, Uber, under, Unemployment, updates, utilities, vacation, vacations, value, versus, will, work, young, Zero-Based Budgeting

Frugal foodies: 4 tips to eat out on a budget

January 28, 2023 by Brett Tams

Indulging your love of good eats doesn’t have to mean forgoing your frugal foodie status.

The post Frugal foodies: 4 tips to eat out on a budget appeared first on Discover Bank – Banking Topics Blog.

Posted in: Budgeting, Frugal Living, Money Etiquette Tagged: 2, All, app, Apps, author, Bank, Banking, big, Blog, Budget, Budgeting, california, cash back, Checking Account, Choices, city, cost, coupons, Credit, credit card, data, Deals, Debit Card, dining, dining out, Discounts, discover, earnings, eating out, existing, expensive, FDIC, Financial Wize, FinancialWize, food, foodie, frugal, Frugal Living, gift, good, great, helpful, hole, How To, impact, interest, items, Lifestyle, list, Live, Local, LOWER, Make, millennial, millennials, Millionaire, modern, money, Money-saving Tips, More, Most Expensive, new, new york, new york city, News, offer, offers, office, opportunity, Other, Planning, Quick Tips, restaurant, restaurants, retirement, rewards, rewards checking, Rewards Checking Account, right, routine, sales, san diego, save, Save Money, Saving, savings, searching, Sites, Spending, stress, takeout, time, timing, tips, traditional, Travel & Leisure, wall, Ways to Save, will

3 pro tips to survive festival season on a budget

January 28, 2023 by Brett Tams

Learn how to live it up during the summer festival season without draining your wallet.

The post 3 pro tips to survive festival season on a budget appeared first on Discover Bank – Banking Topics Blog.

Posted in: Budgeting, Frugal Living, Money Etiquette Tagged: 2, advice, All, Bank, Banking, before, big, Blog, Budget, Budgeting, Budgeting Basics, Buying, camping, Cities, company, cooking, cost, country, creativity, dining, discover, Entertainment, expenses, expensive, Fees, Financial Wize, FinancialWize, food, Food and Beverage, foodie, frugal, Frugal Living, fun, General, goal, heat, helpful, home, homeowners, homes, hotels, How To, Insurance, jump, Learn, Lifestyle, list, Live, low, Marketing, money, More, Music, offer, offers, Original, Other, packing, plan, Planning, Quick Tips, rate, Rates, rental, restaurants, save, Save Money, Saving, savings, selling, smart, Social Media, space, Spending, summer, time, tips, Transportation, Travel, Travel & Leisure, travel on a budget, Travel Tips, under, unique, vacation, vacation home, Ways to Save, will, work

6 ways to plan a honeymoon on a budget

January 28, 2023 by Brett Tams

Honeymoon planning doesn’t have to be a source of financial stress.

The post 6 ways to plan a honeymoon on a budget appeared first on Discover Bank – Banking Topics Blog.

Posted in: Budgeting, Money Etiquette Tagged: 2, 2016, adventure, agent, airfare, All, apple, apple pay, apr, ask, ATM, balance, Bank, bank account, Banking, before, Benefits, big, bills, Blog, bonus, book, bucket, bucket list, Budget, Budgeting, build, Buy, calculator, car, cash back, Cash Back Rewards, Checking Account, city, cost, couple, Credit, credit card, Credit Card Debt, credit card payments, data, Deals, Debit Card, Debt, dining, Discounts, discover, expense, expenses, expensive, FDIC, finances, Financial stress, Financial Wize, FinancialWize, flight, fund, gift, gifts, Giving, good, great, guests, helpful, holiday, home, honeyfund, honeymoon registry, hopper, hotels, houston, How To, impact, interest, Learn, Life, Life Events, Lifestyle, list, Live, loan, LOWER, Luxury, Make, making, marriage, married, miles, modern, money, Money-saving Tips, More, most popular, Move, nerdwallet, new, News, offer, Online Savings Account, Other, outdoor, party, payments, paypal, plan, Planning, points, Popular, prep, present, president, priorities, programs, Purchase, Quick Tips, Rates, rental, retirement, Review, rewards, rewards checking, Rewards Checking Account, right, sales, save, Save Money, Saving, savings, Savings Account, seating, shopping, Sites, snow, Social Media, Spending, splurging, stress, the balance, time, Travel, Travel & Leisure, Travel Tips, upgrades, vacation, value, venmo, wants, Websites, Wedding, wedding registry, white, Wi-Fi, will, work

Why Separate Bank Accounts in Marriage Might Make Sense

January 27, 2023 by Brett Tams

Advertising disclosure: Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. If you’re married or living with your significant other, there’s a lot you share. Your home. Your weekend plans. Perhaps even a kid […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Budgeting, Real Estate News Tagged: 2, 2021, Advertising, All, Amount Of Money, app, Apps, Arizona, assets, ATM, balance, Bank, bank account, bank accounts, before, Behavior, bills, Budget, Budgeting, Buy, california, chance, child care, Children, community property, company, couple, Credit, credit card, credit cards, Debt, Debts, disclosure, divorce, envelope system, evergreen, expenses, Family, family budget, finances, Financial Goals, financial independence, Financial Planning, Financial Wize, FinancialWize, Freebies, funds, gift, gifts, goals, groceries, Grow, habits, helpful, home, house, household, household income, idaho, impact, Income, inheritance, investments, job, Joint Account, kids, Learn, Life, living with your significant other, Loans, louisiana, Make, Make Money, Manage Money, marriage, married, merging finances, money, Money Management, More, Mortgage, needs, netflix, Nevada, new, Original, Other, Out of the House, Personal, plan, Planning, property, protect, Purchase, ready, Relationships, Rent, rental, repub, save, Save Money, savings, Savings Account, Savings Goals, second, secrets, separate accounts, single, Spending, spouse, Spring, states, student, Student Loans, subscriptions, survey, texas, the balance, time, tips, trust, unique, venmo, washington, wealth, Wedding, white, Wisconsin, withdrawal, work
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