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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
High Gas Prices Here’s How to Save Money on Fuel

High Gas Prices? Here’s How to Save Money on Fuel

Personal Finance / Angie

Gas prices feel high when filling up starts to sting every time. With the current war and tension between the […]

High Gas Prices? Here’s How to Save Money on Fuel Read More »

Saving & Building an Emergency Fund
How Much Should You Budget for Home Maintenance

How Much Should You Budget for Home Maintenance?

Personal Finance / Angie

Every homeowner experiences this moment when something breaks and costs far more than expected. Maybe the water heater stops working,

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

Budget & Money Management

How to Save Money on Books and Find the Best Book Deals

Personal Finance / Angie

There’s something nice about buying books. It feels like you’re collecting stories you can visit anytime, like saving small adventures

How to Save Money on Books and Find the Best Book Deals Read More »

Financial Wellness & Mindset, Saving & Building an Emergency Fund

My Experience Buying a Brand-New Car in the Philippines

Lifestyle / Angie

Buying a new car in the Philippines isn’t just about choosing a model you like. It involves budgeting, loan applications,

My Experience Buying a Brand-New Car in the Philippines Read More »

Transportation & Mobility

The Three Jar Method: Budgeting for Kids

Personal Finance / Angie

I’ve always felt lucky to grow up in a family that talked openly about money. We weren’t rich. We were

The Three Jar Method: Budgeting for Kids Read More »

Budget & Money Management, Financial Wellness & Mindset

26 Things to Save For

Personal Finance / Angie

Saving only works when you know what you’re saving for. Without a target, it’s just restriction with no payoff—and nobody

26 Things to Save For Read More »

Saving & Building an Emergency Fund
How to Budget for Fixed and Variable Expenses

How to Budget for Fixed and Variable Expenses

Personal Finance / Angie

Budgeting doesn’t have to feel like a chore. Some expenses, like rent or subscriptions, are predictable—steady and easy to plan

How to Budget for Fixed and Variable Expenses Read More »

Budget & Money Management
How to Travel Cheap Budget Travel Guide

How to Travel Cheap: Budget Travel Guide

Personal Finance / Angie

Is it just me, or whenever I’m scrolling through social media, does it feel like everyone else somehow has the

How to Travel Cheap: Budget Travel Guide Read More »

Budget & Money Management, Financial Wellness & Mindset
What Is Loud Budgeting A Guide to Financial Honesty

What Is Loud Budgeting? A Guide to Financial Honesty

Personal Finance / Angie

Let’s be real—saying no to plans because you’re broke is awkward. Loud budgeting fixes that. No more pretending—just tell them,

What Is Loud Budgeting? A Guide to Financial Honesty Read More »

Budget & Money Management

What is the 70-20-10 budget rule? How does it work?

Personal Finance / Angie

So you’ve done 50-30-20, checked it off the list, and thought, “Is there something… different?” Meet the 70-20-10 rule. It’s

What is the 70-20-10 budget rule? How does it work? Read More »

Budget & Money Management
Kakeibo budgeting

Kakeibo Method: The Japanese Budgeting Method (with Example)

Personal Finance / Angie

You’ve probably tried at least three budgeting apps by now, haven’t you? They all promise to change your financial life

Kakeibo Method: The Japanese Budgeting Method (with Example) Read More »

Budget & Money Management

What Is Reverse Budgeting? The Pay Yourself First Method Explained

Personal Finance / Angie

Reverse budgeting is a way of managing money where savings happen first and spending comes afterward. Often called pay yourself

What Is Reverse Budgeting? The Pay Yourself First Method Explained Read More »

Budget & Money Management
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