Are you ready to get your personal budget under control, but are overwhelmed when you think of where to start? When I first started budgeting, one of the hardest things for me to do was come up with personal budget categories that all of my spending fit into. Sure I thought of the main categories of rent, utilities, food, etc. But when it came to all of the small expenses, … [Read more...] about 80+ Personal Budget Categories – Get Your Finances Under Control!
If you are a federal employee, you are probably wondering how you can calculate your pension upon retirement. Well I am NOT a federal employee, but a reader asked that question and I am here to tell you that the answer is...complicated (come on - it's the government, of course it's complicated). But never fear! I have waded through dozens of documents and antiquated and … [Read more...] about FERS Retirement Calculator – 6 Simple Steps to Calculate Your Pension
There is a lot of confusion around retirement, and particularly recommended retirement savings by age. How much should you have saved by age? And how much do you need in retirement? A lot of words have been written to try to answer these questions, but the real answer is...it's complicated. It's not complicated because the math is hard, or there is some secret the … [Read more...] about Recommended Retirement Savings by Age – Are You Saving Enough?
Dave Ramsey has a lot to say about ideal household budget percentage guidelines. And it's hard to argue with the success he's had in inspiring millions to get out of debt and live within their means. One of the first steps to budgeting is actually making a budget. Obvious? Yes. But it's also where a lot of people seem to get stuck. In order to make a budget, you have … [Read more...] about Dave Ramsey Budget Percentages – 2019 Updated Guidelines
The landscape of personal finance apps is constantly changing. There are so many choices it is hard to figure out which are the best money apps out there. In my quest for the absolute best money apps, I have downloaded dozens and only a few have made the cut to stay on my phone. I'm always looking for the next best app to try - whether it be related to budgeting, … [Read more...] about The Absolute Best Money Apps (According to These Financial Bloggers)