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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 if you go over budget

What I Do When I Go Over Budget Every Month

Personal Finance / Angie

You planned the month and the budget ran out anyway. If it was dining out or groceries, you’re in good […]

What I Do When I Go Over Budget Every Month Read More »

Budget & Money Management
how to budget as a freelancer

How to Budget as a Freelancer on an Irregular Income

Personal Finance / Angie

I once had a great month, celebrated a little too hard, told myself I’d “figure out the budget next month,”

How to Budget as a Freelancer on an Irregular Income Read More »

Budget & Money Management
how to afford stay at home mom

How Do People Afford to Be Stay-at-Home Mom?

Personal Finance / Angie

You’re probably here because you’re staring at your budget, dreading daycare invoices, and wondering if staying home is actually doable

How Do People Afford to Be Stay-at-Home Mom? Read More »

Budget & Money Management
budgeting as a new resident (1)

New Resident Doctor? Here’s How to Budget Your First Year

Personal Finance / Angie

You just matched. You’ve spent years getting here, and now you’re about to earn a real paycheck for the first

New Resident Doctor? Here’s How to Budget Your First Year Read More »

Budget & Money Management
How to Budget for a Vacation (with Example & Free Calculator)

How to Budget for a Vacation (with Example & Free Calculator)

Personal Finance / Angie

My first international trip was Thailand with friends, and let’s just say none of us knew what we were doing.

How to Budget for a Vacation (with Example & Free Calculator) Read More »

Budget & Money Management
grocery monthly budget for two

How Much Should 2 People Spend on Groceries? (2026 Breakdown)

Personal Finance / Angie

I grabbed my usual bag of chips last week, flipped it over, and just stood there. Same price. Way fewer

How Much Should 2 People Spend on Groceries? (2026 Breakdown) Read More »

Budget & Money Management
Tips for Splitting Bills with Roommates (Without Losing the Friendship)

How to Split Bills With Roommates: Methods, Apps & Money Talks

Personal Finance / Angie

There’s a specific kind of awkward that happens when you have to remind your roommate, for the third time, that

How to Split Bills With Roommates: Methods, Apps & Money Talks Read More »

Budget & Money Management
managing money as a single mom or parent

Managing Money as a Single Mom

Personal Finance / Angie

You’re the breadwinner, the budget planner, the one who decides whether this month you can fix the car or if

Managing Money as a Single Mom Read More »

Budget & Money Management
how to budget for maternity leave

How to Budget for Maternity Leave

Personal Finance / Angie

To budget for maternity leave: calculate your income gap, build a dedicated savings buffer three to six months before your

How to Budget for Maternity Leave Read More »

Budget & Money Management
Inflation Is Hitting Hard. Here’s How to Adjust Your Budget

Inflation Is Hitting Hard. Here’s How to Adjust Your Budget

Personal Finance / Angie

It started at the grocery store. I was reaching for my usual items, the ones I’ve been buying for years

Inflation Is Hitting Hard. Here’s How to Adjust Your Budget Read More »

Budget & Money Management
how to budget as a couple

How to Budget as a Couple: The Complete System Guide

Personal Finance / Angie

Budgeting as a couple means creating a shared plan for how you and your partner earn, spend, save, and grow

How to Budget as a Couple: The Complete System Guide Read More »

Budget & Money Management
how to budget with multiple bank accounts

How to Budget with Multiple Bank Accounts

Personal Finance / Angie

Budgeting with multiple bank accounts is simpler than it sounds — and more effective than most people expect. The idea

How to Budget with Multiple Bank Accounts Read More »

Budget & Money Management
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