Un presupuesto práctico y viable es una de las herramientas más importantes de su arsenal de bienestar financiero. Puntos de partida Su presupuesto es su plano maestro para mantener un flujo de dinero positivo y para ceñirse a sus objetivos de ahorro. Si tiene pareja, es fundamental que tengan un presupuesto familiar general. Ese panorama
La regla 50/30/20 es una regla básica, simple y práctica para las personas que desean un presupuesto sencillo y eficaz. Ofrece una guía para disfrutar de sus ingresos, mientras ahorra en piloto automático. Los seres humanos somos falibles; por eso, a veces necesitamos una guía. Si tiene dificultades para entender un mar de sistemas y
Ganar y gastar dinero es parte de la vida financiera cotidiana. Administrar su dinero exitosamente requiere que sepa cuáles son sus ingresos y sus gastos. Esto se reduce a la cantidad de dinero que ingresa y el modo en que gasta el dinero que tiene. Con esos dos factores, puede comparar sus recursos con la
Sometimes the ideal job comes with a less-than-ideal commute. From money spent on gas to lost time to the mental toll of sitting in traffic, commuting costs a lot. Luckily, there are a few things you can do to save. Avoid Rush Hour Time spent in the stop-and-start of rush hour traffic burns a lot
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal.Starting PointsYour budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals.If you have a partner, it's essential to have one overall household budget. That big picture is indispensable for having a good sense, based
The traditional envelope budgeting system uses a budget binder or a box with envelopes to store paper bills. Each envelope is designated for a specific expense or savings goal—rent, entertainment, vacation, bills, etc. How Does the Cash Envelope System Work? Envelope budgeting helps you keep track of both income and expenses. The idea behind an envelope
The difference between what you expect to get paid and what actually lands in your bank account can be, well, surprising. A chunk of this difference goes toward payroll taxes. Like the name implies, payroll taxes are taxes taken out of your wages and paid to the government. What’s Taken Out Unlike health insurance or
Not all card swipes are created equal. A debit card may look like a credit card, but instead of borrowing money to make purchases, debited funds come directly from your checking account balance. You don’t pay interest with a debit card, and you don’t build your credit history, either. How Debit Cards Work Like cash,
Just like the name implies, a savings account helps you reach your savings goals. Saving Made Easy A savings account is one of the most common and useful accounts at a financial institution. That’s because you can withdraw from it at any time, and the money in the account earns interest (we’ll get into that
One of the many mysteries of college, especially freshman year, is what college actually costs. Sure, you know there’s tuition. But how much will you need to make it through the first semester? The first year? It’ll probably be a pretty big chunk of change. Here are a few tips to help make that price
It’s exciting to dream about how you’ll spend your money (when you have some). Brainstorming a list of savings goals is typically less inspiring. But really, the two go hand-in-hand. Without money in savings, it’s hard to make your wish-list expenses come true.Plan with a PurposePeople save money for many different purposes, including big-ticket purchases like
Changes to the economy, your situation, or your goals may prompt you to take a look at your budget for opportunities to save. But where do you start? These lists will help you make changes, both big and small, to your budget. Entertainment and Hobbies This category can be the easiest to cut from (they
