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My Spare Change Stories
  • Home
  • Budgeting
  • Blogs
  • About
  • Tools
    • Savings Target Calculator
    • Emergency Fund Calculator
    • 70/20/10 Budget Calculator
    • Zero-Based Budget Calculator
    • 50/30/20 Budget Calculator
    • 60/20/20 Budget Calculator with Pie Chart
    • Vacation Budget Calculator
    • Net Worth Calculator
    • Car Affordability Calculator
    • Grocery Budget Calculator
what to do with pay raise

What to Do With a Pay Raise (Without the Guilt)

Personal Finance / Angie

I still remember that Slack call. It’s probably one of my favorite calls I’ve ever had at work. The message […]

What to Do With a Pay Raise (Without the Guilt) Read More »

Budget & Money Management
unhinged ways to save money

60+ Unhinged (But Legal) Ways to Actually Save Money

Personal Finance / Angie

If the usual advice, cutting subscriptions, making coffee at home, bringing lunch to work, has not really worked for you,

60+ Unhinged (But Legal) Ways to Actually Save Money Read More »

Saving & Building an Emergency Fund
financial tips after graduating

9 Financial Tips Every Fresh Graduate Needs

Personal Finance / Angie

Nobody hands you a finance syllabus at graduation, which is why so many fresh grads end up winging it. Your

9 Financial Tips Every Fresh Graduate Needs Read More »

Budget & Money Management
How to Budget for One-Time Expenses

How to Budget for One-Time Expenses (Step-by-Step)

Personal Finance / Angie

You’re managing your regular monthly bills just fine — then your car registration shows up, or a dental bill, or

How to Budget for One-Time Expenses (Step-by-Step) Read More »

Budget & Money Management
how to budget for recurring expenses

How to Budget for Recurring Expenses

Personal Finance / Angie

Budgeting for recurring expenses means knowing exactly what you’re committed to paying every month — and making sure none of

How to Budget for Recurring Expenses Read More »

Budget & Money Management
managing money after job loss

Managing Money After Job Loss: What to Do in the First 30 Days

Personal Finance / Angie

Job loss is one of those financial situations where everything needs attention at once — the bills, the savings, the

Managing Money After Job Loss: What to Do in the First 30 Days Read More »

Budget & Money Management
getting paid once a month

Getting Paid Once a Month? Here’s How to Make It Work

Personal Finance / Angie

Getting paid once a month means one paycheck, one payday, and a whole 30 days until the next one. If

Getting Paid Once a Month? Here’s How to Make It Work Read More »

Budget & Money Management
what is budget billing

What Is Budget Billing and Is It Actually Worth It?

Personal Finance / Angie

Budget billing lets you pay the same amount every month for your electricity or gas instead of a bill that

What Is Budget Billing and Is It Actually Worth It? Read More »

Budget & Money Management
why is budgeting important and is it necessary

Why Is Budgeting Important? (And What Happens If You Skip It)

Personal Finance / Angie

Budgeting is important because it shows you exactly where your money is going — and gives you a way to

Why Is Budgeting Important? (And What Happens If You Skip It) Read More »

Budget & Money Management
how much to budget for discretionary spending

How Much Should You Budget for Discretionary Spending?

Personal Finance / Angie

A widely used starting point is 30% of your take-home pay for discretionary spending, which comes from the 50/30/20 rule

How Much Should You Budget for Discretionary Spending? Read More »

Budget & Money Management
budgeting for a baby

Budgeting for a Baby: What It Actually Costs and How to Afford It

Personal Finance / Angie

Having a baby is one of the biggest financial events of your life, and most people go into it with

Budgeting for a Baby: What It Actually Costs and How to Afford It Read More »

Budget & Money Management
bare bones budget

Bare Bones Budget: How to Survive on the Bare Minimum

Personal Finance / Angie

There are times when the usual budgeting strategies just don’t fit the situation. When your income takes a serious hit

Bare Bones Budget: How to Survive on the Bare Minimum Read More »

Budget & Money Management
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