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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
how much to budget for car maintenance

How Much Should You Budget for Car Maintenance? 

Personal Finance / Angie

Most people budget for the car payment, insurance, and gas — then cross their fingers and hope the car cooperates. […]

How Much Should You Budget for Car Maintenance?  Read More »

Budget & Money Management
money is tight what should i do

Money Is Tight: What Should I Do?

Personal Finance / Angie

You’re probably not here because things are going great. Maybe you’re living paycheck to paycheck, or an unexpected bill just

Money Is Tight: What Should I Do? Read More »

Budget & Money Management
Budgeting Strategies: 7 Methods That Actually Work (And How to Pick the Right One)

Budgeting Strategies: Which One Is Actually Right for You?

Personal Finance / Angie

So you’ve decided to finally get serious about budgeting — good. That decision alone puts you ahead of most people.

Budgeting Strategies: Which One Is Actually Right for You? Read More »

Budget & Money Management
budgeting for teens

Budgeting for Teenagers: A Step-by-Step Guide with Examples

Personal Finance / Angie

Nobody hands you a money manual when you turn 13. You’re suddenly expected to know what to do with your

Budgeting for Teenagers: A Step-by-Step Guide with Examples Read More »

Budget & Money Management
How to Budget as a College Student A Beginner's Guide

How to Budget as a College Student

Personal Finance / Angie

College is the first time a lot of people are truly in charge of their own money — no parent

How to Budget as a College Student Read More »

Budget & Money Management
How to Budget as a Digital Nomad

Managing Money as a Digital Nomad: A Simple Budgeting Guide

Personal Finance / Angie

Living as a digital nomad sounds exciting—new cities, flexible work, and the freedom to move anytime. But money is always

Managing Money as a Digital Nomad: A Simple Budgeting Guide Read More »

Budget & Money Management
How much money do you need to move out

How Much Should I Save Before Moving Out?

Personal Finance / Angie

Moving out feels like starting a new chapter—your own space, your own routines, and that mix of excitement and reality

How Much Should I Save Before Moving Out? Read More »

Budget & Money Management, Saving & Building an Emergency Fund
creating a family budget - my spare change stories

Creating a Family Budget

Personal Finance / Angie

A family budget helps bring clarity to shared household money. It shows how income is used, what needs to be

Creating a Family Budget Read More »

Budget & Money Management
How Much Should I Budget for Eating Out?

How Much Should I Budget for Eating Out?

Personal Finance / Angie

When you read most budgeting tips, there’s always that advice to cut back on eating out. But let’s be real—sometimes,

How Much Should I Budget for Eating Out? Read More »

Budget & Money Management

Rainy Day vs Emergency Fund: When to Use Each

Personal Finance / Angie

It’s easy to get confused between a rainy day fund and an emergency fund. Many people look at their savings

Rainy Day vs Emergency Fund: When to Use Each Read More »

Saving & Building an Emergency Fund

Rainy Day Fund: What It Is, How Much to Save, Where to Keep

Personal Finance / Angie

A rainy day fund is simply money you keep on the side for those smaller, unexpected expenses. When people talk

Rainy Day Fund: What It Is, How Much to Save, Where to Keep Read More »

Saving & Building an Emergency Fund
Typical Household Expenses

Typical Household Expenses to Include in Your Monthly Budget

Personal Finance / Angie

When creating a budget, one of the hardest parts is figuring out what expenses to include. Some costs are obvious,

Typical Household Expenses to Include in Your Monthly Budget Read More »

Budget & Money Management
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