My Spare Change Stories
Coins, coffee, and curious thoughts on life.
Hi, I’m Angie — a twenty-something figuring out how to make sense of money, travel, and all things adulting. My Spare Change Stories is where I share little lessons, honest thoughts, and the small joys that come with learning as I go.
I want to compute for my...
Zero-Based Budget
Assign your income to bills, savings, debt, and fun before the month begins so nothing is left unplanned.
Savings Goal Calculator
Figure out how much to save each month to reach your financial goal by your target date
50/30/20 Budget
Split your after-tax income into 50% needs, 30% wants, and 20% savings and debt repayment.
I want to learn how to save money...
How Much Should I Save Before Moving Out?
Moving out feels like starting a new chapter—your own space,...
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Rainy Day vs Emergency Fund: When to Use Each
It’s easy to get confused between a rainy day fund...
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Rainy Day Fund: What It Is, How Much to Save, Where to Keep
A rainy day fund is simply money you keep on...
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High Gas Prices? Here’s How to Save Money on Fuel
Gas prices feel high when filling up starts to sting...
Read MoreI want to learn how to budget my money...
How to Budget with Multiple Bank Accounts
Budgeting with multiple bank accounts is simpler than it sounds...
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Budgeting on a Fixed Income When Money Feels Too Tight
Living on a fixed income means your money comes in...
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How to Budget With Credit Cards (Without Losing Control)
I was hesitant about credit cards for a long time...
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Budgeting for Young Adults: A Real-World Guide That Actually Makes Sense
Nobody hands you a financial manual when you turn 18....
Read MoreThe Blog
How to Budget with Multiple Bank Accounts
Budgeting on a Fixed Income When Money Feels Too Tight
How to Budget With Credit Cards (Without Losing Control)
Planning a big purchase?
My Experience Buying a Brand-New Car in the Philippines
Buying a new car in the Philippines isn’t just about...
Read MoreHow to Save for a House While Renting
Saving for a house while paying rent every month? Yeah,...
Read MoreHow to Save for a Car
Buying a car is a big milestone. It gives you...
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