Joel Sereno

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Free Budget Calculator

It can be a challenge to stick to a budget. NerdWallet wants to set you up for success by helping you create a realistic budget that accounts for all …

How to Choose the Right Budget System

Budgeting systems are designed to help you understand and evaluate your relationship with money. While all share a common goal, they often use …

How the 50/20/30 Rule Can Help You Budget

A monthly budget is one of those financial necessities that no one wants to think about, but everyone should. But figuring out how to allocate your …

Personal Finance

3 Reasons to Have a Budget

Think you don't need to follow a budget? Here's why you're wrong.<p>If you're not following a budget, you're not managing your money correctly. Without …

Personal Finance

How to Save Money: 101 Easy Tricks

“Beware of little expenses. A small leak will sink a great ship.” So said Founding Father Benjamin Franklin, a man who knew a thing or two about …

5 Reasons Your Budget May Not Be Working

You created a budget, but you’re still struggling. Wasn’t a budget supposed to fix your financial problems? Why isn’t it working?There are a number …

Personal Finance

I Tried 5 Days Of Meal Prep — & Here's How Much It Cost

The new year always seems to bring a newfound desire to get our lives in order and start "adulting" once and for all. A major goal of mine for 2018: …

5 Ways To Stop Blowing So Much Of Your Budget On Food

To start, quit spending for convenience.<p>So, how did that “50/30/20 rule of budgeting” work out for you in 2017? You know, the one that says we should all spend no more than 50 percent of our income on necessities, allow 30 percent for discretionary items and sock away at least 20 percent for …

Book Review: You Need a Budget

<b>In a nutshell:</b> <i>By diligently applying four simple rules, you can move from being at the mercy of money to being a master of money.</i><p>In 2004, Jesse and …

Budgeting Basics {for Beginners}

It’s a new year and you’ve decided to get serious about your finances. One area you want to work on is budgeting. But what is a budget and how can …

Personal Finance

How to create a household budget: a physician's simple approach

281 Shares<p>Learning to budget is scary. After all, it means you have to say NO to unnecessary purchases and keep your eye on long-term goals at the …

Personal Finance

How To Make A Budget: Our Step-By-Step Guide To Managing Your Money

You’ve probably noticed that any financial site, book, or professional you’ve ever read or spoken to offers the same piece of advice for anyone …

Personal Finance

11 Ways You're Tricked Into Spending More Money

If you've ever shopped at a store with dollar bins, then you're probably aware of that sinking feeling in your gut, when you know you're about to buy …

Monthly expenses: 60 minutes to better budgeting in 2018

A new year means a new approach to staying on top of your finances. Here's how to put a budget together in a mere hour or less.<p>If you don't currently follow a monthly budget, you're not alone. Nearly 60% of U.S. adults make the mistake of not having a budget in place. But without one, you're likely …

Personal Finance

Do I Need a Budget?

The short answer: Absolutely.<p>You're coasting along, paying your bills, and sticking a little bit of money into savings on the side. At face value, it …

Eating out might be devouring your food budget

<b>(AP Photo/Gene J. Puskar, File)</b><p>And you probably have no idea<p>Amit Sharma<p>December 12, 2017 2:33am (UTC)<p>This piece originally appeared on The Conversation.<p>If you were to guess how much you spend on eating out per month, chances are you’ll miss the mark by a quite a bit.<p>In a recent study, I found that …

Self Control

How to Quickly Figure Out How Much Spending Money You'll Have for the Year

A lot of us budget month-to-month, which means we often spend a little extra one month and tell ourselves that we’ll make it up the next month. (Then …

Personal Finance

Think Budgeting Seems Impossible? Here’s 1 Simple Strategy for Spending Smarter

The thing about budgets that turns people off is that they can seem complicated. But in reality, the whole point of having a budget is to make your life easier. Maybe that’s why a LearnVest survey found that budgeting was the top financial goal for 32 percent of people: Because we just haven’t …

How I Ditched Debt: ‘Born Spender’ Goes on a Spending Fast

<i>In this series, NerdWallet interviews people who have triumphed over debt using a combination of commitment, budgeting and smart financial choices. Responses have been edited for length and clarity.</i><p>Anna Newell Jones considers herself a “born spender” whose desire for the latest fashions and gadgets …