How to build an emergency fund, make extra money, save money in shopping, create a budget plan, emergency money
Budget

15 Practical Ways to Start Building an Emergency Fund

August 20, 2017 Francisco Anes 0

A few weeks ago I published the article Why You Should Build an Emergency Fund for your Family. As I mentioned in that article, an emergency fund is cash that you’ve put aside with the intention of helping you keep your normal life when an emergency in life shows up. One of the key points to good financial planning is preparing for the future, whatever is to come. That’s why an essential part of a solid financial plan is an emergency fund. I think that everybody must have an emergency fund Read more […]

Emergency Fund, Financial Planing, How To Save Money, Emergency Savings Account, Saving Money Tips, Emergency Fund Calculator, Personal Finance
Budget

Why You Should Build an Emergency Fund for your Family

July 30, 2017 Francisco Anes 0

I truly believe that you need an emergency fund. Not just you, but everybody! An emergency fund is cash that you’ve put aside with the intention of helping you keep your normal life when an emergency in life shows up. When you have nothing saved, any unexpected expense becomes an emergency that has to be paid with your credit card (and everybody knows what happens with credit card debt!). Don’t get me wrong, credit cards can be great if used in the right way (I get a lot of travel Read more […]

emergency fund, how to create a budget, how to pay off debt, how to save money, make extra money, pay off credit card debt, ways to save money
Budget

How To Pay Off Your Debt In 7 Steps

June 25, 2017 Francisco Anes 0

A few months ago I published the article 9 Reasons Why You Can’t Save Money Every Month. As I mentioned in that article, I believe the first step to paying off your debt is to realize why you’re in debt. Credit card debt, car payments, and student loans are some examples of debts that are costing you money—and are probably causing you unnecessary stress too. The good news is that once you make paying off your debt a priority, it’s often easier to do than you think. If you don’t know Read more […]

create a budget
Budget

How To Make A Budget Plan For Your Family

March 22, 2017 Francisco Anes 2

Do you have a budget already? Is it actually working for you? Having debt is one of the main reasons for stress and anxiety in America. Most people have debts that need to be paid (student loans, mortgages, credit card loans, etc). In order to pay them on time and at a good pace, a budget plan is required. The sooner you pay your debt, the better! According to Bls, the average American saves a 4.7% of income per year and a 76% admit to living paycheck to paycheck. (source:  CNN Money) I think Read more […]

Budget

9 Reasons Why You Can’t Save Money Every Month

February 15, 2017 Francisco Anes 6

It seems logic that the main reason why you can’t save money every month is because you don’t have money, but sometimes it helps to remember it. If your expenses are the same or higher than your monthly income, then you will never save any money. The first step to start saving money is to realise what is the root cause of the problem. Each personal case is different but all of them have the same thing in common, you need to change. If you don’t know what your problem is, then you’ll be stuck and Read more […]

save money every month
Budget

September is back, the saving challenge: 25+ Ways To Save Money

September 4, 2016 Francisco Anes 4

September is back! And with it, all the new season stuff, new school books for the kids, new seasonal clothes and coming back to work after holidays. How scary is that! After the summer, I always struggle. I look back at my accounts and I think… oh my gosh! what did I do? Yeah, plenty of money spent on holidays, fancy dinners and parties. I never regret what I did, but I always try to look forward to finding new ways of saving money. And you know what? It’s challenging and it’s fun. Below are Read more […]