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,...
Read More
Rainy Day vs Emergency Fund: When to Use Each
It’s easy to get confused between a rainy day fund...
Read More
Rainy Day Fund: What It Is, How Much to Save, Where to Keep
A rainy day fund is simply money you keep on...
Read More
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...
New Resident Doctor? Here’s How to Budget Your First Year
You just matched. You’ve spent years getting here, and now...
Read More
How to Budget for a Vacation (with Example & Free Calculator)
My first international trip was Thailand with friends, and let’s...
Read More
How Much Should 2 People Spend on Groceries? (2026 Breakdown)
I grabbed my usual bag of chips last week, flipped...
Read More
How to Split Bills With Roommates: Methods, Apps & Money Talks
There’s a specific kind of awkward that happens when you...
Read MoreThe Blog
New Resident Doctor? Here’s How to Budget Your First Year
How to Budget for a Vacation (with Example & Free Calculator)
How Much Should 2 People Spend on Groceries? (2026 Breakdown)
Planning a big purchase?
How 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...
Read More