Clever Girl Finance

JULY 16, 2023

Budgeting as a couple is critical in managing your household finances. Your budget not only allows you to plan and track where the money will be spent, but it enables you to direct the course of your finances together. Table of contents 5 Steps to get started budgeting as a couple Expert tip What is the best way to budget as a couple?

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Clever Girl Finance

OCTOBER 9, 2023

Whether you’re working for yourself or have an irregular job schedule, budgeting on an irregular income can be tough. But creating a budget for this type of income is easy to learn! Table of contents Budgeting when you have an irregular income 1. Create your baseline budget 2. Can you budget with an irregular income?

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Clever Girl Finance

AUGUST 10, 2023

Budgeting is one of the most important financial habits to develop. There are so many budgeting methods out there to choose from, but it’s not just creating a budget that will set you up for financial success. How do I plan for variable vs fixed expenses in my budget? What are average expenses for a household?

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Nationwide Financial

AUGUST 24, 2022

Key Takeaways: Preparing for retirement is important. Knowing their monthly expenses, social security plans, long term tax implications, and more can be important steps in helping clients prepare for retirement. Like a lot of people my age, I find myself thinking more and more often about retirement these days. We all know that.

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Good Financial Cents

MARCH 17, 2023

This information is critical if you want to create a budget and manage your money correctly. I’ll also share some budgeting and side hustle tips so you can get the most out of the money you earn. In your budget, you should plan to set aside money to cover future expenses, such as a vacation, a house downpayment, retirement , etc.

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Clever Girl Finance

SEPTEMBER 7, 2023

In personal finance, where income, expenses, dreams, and aspirations converge, the budget emerges as a crucial tool. And when you have a family, creating a family budget becomes even more important. Table of contents What is a family budget? How does a typical family budget look? What is the average family monthly budget?

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Clever Girl Finance

SEPTEMBER 11, 2023

Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!

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Carson Wealth

OCTOBER 3, 2024

Retirement is an exciting milestone—a time to leave behind the hustle and bustle of work and embrace a new chapter filled with more freedom and opportunities to enjoy life. Planning well in advance ensures that your retirement years will be financially secure, fulfilling, and less stressful than your working years.

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Clever Girl Finance

AUGUST 8, 2022

According to the data from the US Census Bureau , 50% of women aged 55-66 have no personal retirement savings. So, how much should you save before you retire? Can you retire with 500k, or do you need more? Keep reading to find out if it’s possible to retire with 500k — and how to do it. The good news? Cost of living.

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Good Financial Cents

JANUARY 26, 2023

Early retirement has become a popular financial goal. Even if you never retire early, just knowing that you can is liberating! Can You Really Retire at 50? Can You Really Retire at 50? Table of Contents Can You Really Retire at 50? FAQs on Retiring Early at 50 It’s a big bold claim – retire at 50?

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Clever Girl Finance

DECEMBER 13, 2023

Budgeting isn’t just about making sure you have enough to pay the bills each month. These can help you build out your budget and live debt-free. According to PR Newswire, 80% of Americans have a budget. Then aim to save that sum every month in your “wedding budget breakdown” fund. Why do sinking funds categories matter?

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Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

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Clever Girl Finance

SEPTEMBER 28, 2022

There are many different ways to come up with your perfect budgeting strategy. Alongside your monthly budget, you should also have a bare bones budget waiting in the wings. What is a bare bones budget? It's a budget that only covers the necessities. That's why this is not a sustainable long-term budget.

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Clever Girl Finance

JANUARY 17, 2023

Many of us associate budgets with being an annoying part of managing our financial lives. At worst, some of us think of budgets as a major constraint on how we would like to live our life. But a deeper understanding of the purpose of budgets might make sticking to it a bit more palatable. What is the purpose of budgets?

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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.

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Clever Girl Finance

OCTOBER 24, 2022

And maybe you're craving some fun stay at home date night ideas but need them to be budget-friendly as you work on your financial goals. Some may find it difficult to stick with a budget while dating because the average date costs roughly $100; this equals two dinners, a bottle of wine, and movie tickets—ouch! Plan a board game night.

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Clever Girl Finance

AUGUST 4, 2022

Budgeting isn’t just about making sure you have enough to pay for the bills each month. In this article, you'll learn about the different types of sinking funds categories to help you build out your budget and live debt-free. This is to ensure you’re not going over your budget when a big event like a wedding or a birthday comes up.

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Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. You will likely want to retire in the next decade, so it's important to save and invest as much as possible while also not being too risky. Rowe Price.

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Clever Girl Finance

FEBRUARY 11, 2025

The basic no spend month rules Spend only on essentials : Rent/mortgage, food, insurance, transportation, and bills are allowed. Follow your existing budget : Stick to your pre-planned necessities and nothing extra. Look ahead and stay motivated Saving money for the future isn’t just about retirement.

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Clever Girl Finance

SEPTEMBER 4, 2022

Save more by making your own food. One option is to make your own food. Eating in restaurants and fast-casual places, as well as buying drinks and snacks on the go, can wreak havoc on the budget. A road trip food stop may be fun, but what if you could save more—and live better—by changing it up?

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Clever Girl Finance

SEPTEMBER 19, 2023

A lack of planning or failing to budget is one of the big budget challenges. Even with the best intentions, creating and sticking to a budget is not always easy, so people may spend more than they intended simply by not planning or forgetting about their budget. There is also the tendency to buy things on impulse.

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Clever Girl Finance

JULY 16, 2022

Whether you need to find inexpensive activities for the summer break, are saving for a family vacation , or need to make a Christmas budget , these money saving blogs for moms contain all the tips and tricks you need. And that's not all because her articles also focus on family budgeting and motherhood tips. Life and a Budget.

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WiserAdvisor

SEPTEMBER 13, 2022

The average retirement age in America is 63. However, it may still be advised to start planning your retirement as soon as you can. Retirement planning is a long process. It can take several years to understand your future needs and accumulate enough savings to prepare for a financially secure retirement.

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Clever Girl Finance

JANUARY 16, 2024

I’m a huge fan of this approach to living because I can prioritize spending money on those things that matter the most to me and cut back on my budget in other areas. You decide where you will be living stingy with certain aspects of your budget and where you will live largely. Learn more about creating a budget that works here.

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Clever Girl Finance

JANUARY 25, 2023

You have money to build an emergency fund, contribute to a retirement fund , or go on a dream vacation. It’s a great starting point to help you create a realistic budget for yourself. Create a budget Staying out of debt takes more than tracking your income and spending. You have to be proactive, that’s why you need a budget.

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Clever Girl Finance

JUNE 12, 2023

New month, new budget Create a new budget for each new month as one of the creative ways to save money. No two months are quite the same, so adjust your budget accordingly. Not a fan of budgeting? You probably need to try out a few different methods to find better budgeting that works for you.

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WiserAdvisor

SEPTEMBER 14, 2022

The average retirement age in America is 63. However, it may still be advised to start planning your retirement as soon as you can. Retirement planning is a long process. It can take several years to understand your future needs and accumulate enough savings to prepare for a financially secure retirement.

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Nationwide Financial

MARCH 13, 2023

Help clients develop a realistic budget Effective debt management requires more than just paying down outstanding balances—it also requires clients to develop healthy financial habits that can help them avoid future debt issues.

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Envision Wealth Planning

SEPTEMBER 14, 2022

These women will tell you to maintain a habit of creating and sticking to a budget now. Whether you use envelopes filled with cash, earmarked for food, an Excel spreadsheet, or an app like Mint. The point is to start on the right foot by tracking what you save and spend to stay within your budget. Pick a style and use it!

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Clever Girl Finance

JUNE 15, 2023

You need to understand if they actually spend responsibly or on a whim—without regard to a budget. Whether it’s a written-down budget, an app that you use, or even one of the best budget templates , you should have something that allows you to plan where your money is going. Are you saving for retirement?

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Good Financial Cents

APRIL 17, 2023

Although $20 per hour is not a generous hourly rate, it is still feasible to maintain a comfortable lifestyle on this income through careful financial management and budgeting. Understanding your take-home salary after taxes is important, and budgeting can help with that. To begin, search online for a sample monthly budget.

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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. Then, create or refer to your spending journal or a budgeting tool to see how much you’re spending every month. You might be cutting out some of your “fun” budgets for this one.

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Clever Girl Finance

JANUARY 22, 2024

Instead, we need to resort to living on an extreme budget and finding extreme ways to save money. I couldn’t eat chicken for years after that, but my mom’s ingenuity helped keep food on the table even when money was tight. And you’ll need to make sure you are getting enough protein through foods like nuts and chickpeas.

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Ballast Advisors

MAY 8, 2023

I grew up on my grandparent’s farm in Kentucky, and we never went without food like so many others did.” The “Boomer” mom focused on retirement and caretaking. She worked for 3M for 38 years, retiring in the healthcare division. They were determined to retire before age 60 without needing a second job after retirement.

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Clever Girl Finance

DECEMBER 26, 2022

Well, it’s not just what you do; it's what you DON’T do that can make or break your house budget. Your retirement savings goals are impacted. Some retirement funds, such as a Roth IRA, allow you to loan yourself funds from your retirement account to buy your first home. Try to budget with one income. Maintenance.

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Mr. Money Mustache

SEPTEMBER 7, 2022

Aren’t I supposed to be retired? Then dread at the idea of actually signing myself up for a bunch of “work” when I’m already way too busy doing fun, meaningful stuff as a retired person. I taught my couple, John and Kim, how to streamline their initial $12,000+ per month spending budget (!!), Why did I agree to this? The Origin.

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Good Financial Cents

JULY 3, 2023

Just be a budget whiz, stay on top of those finances, and you’ll find that $30 an hour can go a long way. With a solid budget, you’ll pave the way for a bright financial future by saving for the essentials, like retirement, emergencies, and other endeavors. Retirement/Savings $832.00 Retirement/Savings $832.00

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