Money Smart Guides

And if you don’t have a financial plan, now is a great time to create one since you will have all the information you need to build it. This won’t get rid of your monthly payment, but it will lower the amount of interest you pay, saving you money. If you think you will be going into debt over the short term, pick a card that doesn’t have a balance on it. While you won’t look forward to a financial mess, you won’t stress out about it.

In this Gabi insurance review, I’ll walk you through what Gabi is all about and how to save money by using them. The quoting process only takes a few minutes to get your current policy to Gabi and even faster to get your free quotes. You do not pay any fees to Gabi or to the insurance company for using Gabi and the quote you do receive Gabi makes it easy and fast, which is why there is no good reason not to get free quotes using Gabi.

* Read now: Click here to learn how to build you emergency fund fast If you find that saving $1 a day is easy, you can always increase the difficulty by trying to save $2 a day as well. For this one, you will save 1 quarter on the first day of the month, then 2 quarters on the second day, and 3 quarters on the third day. You keep saving another penny based on the day, so at the end of the year, on day 365, you are saving 365 pennies. * Read now: Learn the best savings accounts to consider By moving it out of your checking account, you won’t see it as often and as a result, won’t justify reasons to spend it.

It’s a new app whose goal is to take the cash envelope budget and turn into a digital system that will help you manage your finances easily. At that time, Ryan Clark founded ProActive Budget which was the first version the Qube digital envelope budgeting method. Today, the app is the only true digital cash envelope budgeting app for consumers. Formerly known as Easy Envelope Budget Aid, GoodBuget is a basic cash envelope app.