• budget talk,  Business Talk

    Friday News You Can Use-Savings and Challenges

    Another work week is coming to an end. I hope it’s been a good one for you. Here are three links to money related topics that I thought worth checking out- The first one is latest podcast episode from Market Watch about the best new money ideas for 2023- https://www.marketwatch.com/podcasts/best-new-ideas-in-money/the-year-ahead-in-money/ There’s never been a better time to add to or even open a savings account. Check out this chart at the Motley Fool for a comparison of the best rates- https://www.fool.com/the-ascent/banks/best-savings-accounts/ And if you do want to put away money ready to add that nest egg, check out this challenge from YouTuber, Kelly Anne Smith-

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  • budget talk

    News You Can Use

    Welcome to a brand new feature on Budget Smart Girl for 2023. Every Friday I’ll share with you links to articles and videos that I think are worth checking out. The first one is from Marketwatch and if this is the year you want to start a rainy day fund or have extra money to put into a savings account, check out this article- https://www.marketwatch.com/picks/the-era-of-the-3-4-savings-account-has-finally-returned-so-here-are-7-actually-smart-ways-to-make-2023-the-year-you-save-far-more-01672775439? This next one comes from Yahoo Finance and yes, all these ideas about making your first million dollars are realistic and yes, doable- https://finance.yahoo.com/news/12-realistic-ways-first-1-190041168.html And finally, I love checking out videos on YouTube and one I found this week was from Frugal Fit Mom where…

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  • budget talk

    Money Challenge-Day 9-Savings

    It’s Day 9 and this challenge is all about starting or adding to a savings account. Go check out what is the best account for you. Do you have to keep a certain amount of money in the account for it to be free or do they charge a fee? Also, check out the rate they’ll give you to park your money with them. Here are a few sites to help get you started- https://www.bankrate.com/banking/savings/rates/ https://www.forbes.com/advisor/banking/best-online-savings-accounts/

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  • FIRE Financial Independence, Retire Early

    Money Mindset Makeover Challenge-Day 24- 5 Money Saving Sites

    Continuing with our money saving week. Here are five sites to check out that should help you with most of your money savings goals- This first one is an online calculator you can use to figure out all sorts of budget related things like savings, gas mileage…you name it. https://www.calculator.net/financial-calculator.html This next one is similar to the above but specifically keys in on mortgages. It lets you plug in the numbers and see how much you’ll pay for your mortgage and also how long it will take to pay for your home- https://www.amortization-calc.com/mortgage-calculator/ Ever wonder what’s the difference between accounts at certain banks or who is offering you the best…

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  • Business Talk

    Emergency Funds-Do You Have One?

    Do you have enough money set aside should some major happen like losing your job, or even a everyday thing like needing a new set of tires for your car? My maternal grandmother (one of my money mentors), always had a rainy day fund and she taught me the importance of having one too. I’ve always set money aside for the just in case scenarios that always seem to happen when you least expect it. Take for example something that happened this week. Sunday lunch time I was eating leftover pizza and bit down and knew something wasn’t quite right. I realized I’d lost part of the filling in one…

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  • Business Talk

    Recession Proof Yourself, Your Business and Your Life

    What’s happening in the world reminds me of the old saying about not putting all your eggs into one basket. I work in the creative field and every day I’m hearing about people losing contracts, clients canceling projects, and people generally not knowing how they’re going to make it through the months ahead. Proactive measures are always better than reactive ones so now is the time to think about businesses that are sort of polar opposites of one another. It’s the way successful entrepreneurs have always done it. If one business gets hit during a downturn, you have one or more other ‘different’ businesses to keep you afloat. Say you…

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  • budget talk,  Business Talk

    Compound Interest-Friend or Foe?

    Compound interest… Two words that make me think about my maternal grandmother. I know what you’re probably thinking why would something connected to money make her think about grandma? Let me explain… My grandmother was widowed when she was just 51 years old. She was a very independent lady, didn’t rely on her family, didn’t want to burden my parents so she’d adopted a mindset that made sure she was financially secure to the day she died (at 87). She had two ways of looking at money and debt. First one was, make money work for you and save up for something you want and then buy it. Never buy it and…

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